23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1 closed account/Discover opened in XX/XX/2013 that is 9 years old and 8 years old from last past due payment. Closed account is past the statute of limitations of the state. Closed account still reporting late and negative balance on credit report. XXXX has approved my dispute of this closed account and currently waiting for results from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDXXXX, XXXX, and XXXX Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ). 
For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ). 
For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX  2017 I transferred funds ( est 1030 ) from my dash wallet in XXXX to my bth wallet in Coinbase, funds still not showing up in my Coinbase Wallet neither pending or in process, there is more then 5000 confirmations on XXXX and I can see transaction is credited to Coinbase address on my XXXX  statement. Over the month I was writing emails on opening ticket, to Coinbase support but nobody answers and there is basically completely ignored, they not answering on socials ( XXXX etc ) I have send more then 10 emails on my open ticket during this month but there is complet silence.
Product: Mortgage

I have become extremely behind on my mortgage due to loss of employment. I was finally able to regain employment ( although still making a considerable amount less than what the mortgage was originally based upon ) and have applied for a loan modification which they have denied and are pushing to foreclosure. They stated that I did not have enough income but would not provide me with any actual numbers supporting the denial. I received a promotion at one of the 2 jobs that I hold which boosted the income. I sent in the documentation to support that new income yet they have not reviewed to see if that will allow for a modification. I call and if I am able to speak to anyone, I am just told that " there are no updates ''. Meanwhile, I am left with the assumption that my family will end up on the street.
Product: Credit reporting or other personal consumer reports

Reached out to credit bureaus to clear report on misused information. Also, the debt amount was wrong. XXXX XXXX XXXX b. States that its unlawful to use my personal information on my report without my consent, and to use correct information.
Product: Credit reporting or other personal consumer reports

I sent a dispute to all 3 credit companies and 35 days later I have not received any update in regards to any of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I am sendig this complaint to Bonneville Collections. Account information : Account number XXXX, opened XX/XX/2014, original creditor : Bonneville Collections has been committing violations to my rights as a consumer. They have : - Reaged account - Reported incomplete information This company is being unfair and negligent. 

I have proof of my words. Please send the attached documents to the company involved. 

Thank you.
Product: Debt collection

I have disputed this account with MONTEREY FINANCIAL SERVICES. They have been reporting the same account twice for almost 3 years! thats a violation of the FDCPA & FCRA. In previous statements they sent letter saying they would be removed from my credit reports. I even sent in the letters. Well this past week they were deleted and re-added back and dropped my core even further making it look like it was a brand new collection. also they are reporting me delinquent monthly and continued to charge me interest on an account that was a charge off/closed 3 years ago. They are trying to be sneaky and purposely holding my credit XXXX and wont let my credit improve. We are going through a pandemic and financial crisis with this COVID-19. I hope they know they are doing alot of illegal stuff! This is their last chance to remove this from my credit reports before I seek legal action. The reviews on the CFPB and XXXX  websites speaks to how awful and how they mistreated consumers.
Product: Money transfer, virtual currency, or money service

PNC bank will not allow linking with XXXX
Product: Credit reporting or other personal consumer reports

GREETING AS I WAS CHECKING MY CREDIT REPORT I NOTICE THAT XXXX HAD A CHARGE OFF ON MY CREDIT REPORT ON XX/XX/year> ACCOUNT NUMBER XXXX AND I SEND A DISPUTE FOR BECAUSE I DONT KNOW WHY IT WAS ON MY CREDIT REPORT BUT THEY DENIED IT. I HAVE KNOW IDEA WHERE THIS COMING FROM AND ALSO XXXX  AS WELL ACCOUNT NUMBER XXXX ONQUIRY DATE WAS XX/XX/year>. I REQUEST THAT THIS BE REMOVE EXPEDITELY ACOORDING PER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( 15 U. S. C. s 1681 c-2 ), THE FOLLOWING FRADULENT ACCOUNTS MUST BE BLOCKED AND PERMENANENTLY REMOVED FROM MY CREDIT REPORT WITHIN ( 4 ) BUSINESS DAYS FROM THE DATE OF RECEIPT OF THIS LETTER PER EACH OF THE ACCOUNT AND INQUIRIES.
Product: Checking or savings account

( 1 ) On XX/XX/21, I was charged a recurring fee of {$6.00} by XXXX, which overdrew my account by {$6.00}. This was paid by the bank. 

( 2 ) On XX/XX/21, US Bank charged me an OD fee of {$32.00}. 

( 3 ) On XX/XX/21, I deposited {$10.00} -- an amount which would have been sufficient to bring my account into positive status had the {$36.00} OD fee not been charged to my account. 

( 4 ) I opted out of Courtesy OD protection upon opening the account. I have always been in opt-out stauts.

( 5 ) On XX/XX/21, I spoke to XXXX at US Bank for a waiver of the {$36.00} OD fee. It was not approved. 

I am requesting that the {$36.00} OD fee be waived. {$36.00} is unconscionable for an overdraft of only {$6.00}. OD fees should be progressive and not result in a forfeiture.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchase a ticket thru Chase Rewards for XXXX XXXX. 
On XX/XX/XXXX XXXX and Chase informed me that the flight was cancelled due to covid. After numerous emails and calls with Chase I was told some kind of air credit will be issued to me. I didn't received anything or hear anything back from them since XX/XX/XXXX. 
Recently I tried contacting Chase Rewards again and I was informed that the travel credit was extended till XX/XX/XXXX and it already expired. I wasn't informed about that prior and even if they would've most of XXXX travel outside US was restricted. 
I lost {$1000.00} ( {$84.00} cash and XXXX points ) As of today XX/XX/XXXX I didn't received a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan ( with XXXX XXXX ) disappeared from my credit report- it was being reported previously for the 12 years I've had it. All of a sudden it dropped off my credit report. I contacted my mortgage company and they show my loan and have contacted credit agencies but the loan is still missing from my credit report.
Product: Debt collection

CKS PRIME INVESTMENTS , LLC is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX, & XXXX. CKS PRIME INVESTMENTS , LLC does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX and date of 1st delinquency as XX/XX/XXXX. How can the open date be after the date of delinquency. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Debt collection

CREDIT PROTECTION ASSO is reporting a debt I do not owe. I have never gotten any compensation from this account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had several loans with the US Department of Ed XXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed and there are 4 of them show as closed with the last reported activity of XX/XX/XXXX and XX/XX/XXXX. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxx XXXX Account Number xxxxxx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent accounts and information off my Credit File. I sent a letter on XX/XX/XXXX, to remove the accounts, inquiries and Personal information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX, XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. If you believe that the dispute items belong to me, please send me the results of your investigation to prove your claims.
Product: Mortgage

Due to Covid 19 we requested information to Flagstar bank about a mortgage forbearance plan In XXXX. We decided not to go that route because we could still make payments with savings. Months later after diligently making all payments we decided it was time to get in a forbearance plan. They informed us that we already were in a forebarance plan and it ended XXXX. We tried to explain we just requested information and told the mortgage loan officer no to the forebarance plan in XXXX. We also did not sign any documents. However they said that there was nothing they could do and that we agreed to it. However, they have no proof besides us just asking for information. I spoke with XXXX supervisor of the west coast ( XX/XX/12 ) XXXX XXXX and she said there was nothing I can do besides calling back tomorrow. She gave me no corporate number or place to file a complaint. We are so sad and devastated that in such hard times Flagstar is refusing to help its customers. We never agreed to a forebarance plan. What can we do to fight this?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 's XXXX, XXXX, XXXX has violated my r

ights.

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

15 USC 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 ofinformation, 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 reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a fake collection letter in the mail. I do not owe this debt and suspect this is not a legitimate collection company. I 've only had 3 dealings with XXXX in my entire life. ( fios, landline phone, and cell phone XXXX All 3 accounts were closed with a 0 balance. They do n't even have the correct name on the letter and are just fishing for someone to pay this to them.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX i was on the phone with capital one for 46 mins. i received numerous offers via email about doing a balance transfer with a 2 % fee and i will have no interest fot 12 months. I notice that i was being charged interest anyways. i called in and they told me they say my offers and they assure me they will fix the issue and that it was a glitch. i was giving a case number and was told i will be getting a call and the issue will resolve. on XXXX XXXX i called at XXXX and i was on the phone for XXXX mins. i spoke with someone and they put me on hold for a while than came back to the phone and told me i selected the balance transfer with no balance transfer fee i told them i ddint and show me that i made that election online. i told him that doesnt make sense why would i do a balance transfer with my original credit card with lower interest and come to you all with higher interest. no where in my letter did it say or did a free balance transfer it said no interest for 12 months. i am not being honored my offer im still being charged interest they claim i made a different selection when i accept the offer it prompt me to select no interest for 12 months and put in my card number to do the balance transfer and i explain to the man if that was the case why wasnt i told this the last time why no one ever called me. show me this is what i selected. why would u even have another offer to me if the numerous letters i received didnt even have that option. why would anyone not choose no interest for XXXX. they misled me and is not trying to help me. all he said was there was nothing he can do. i ask to speak to his boss and he stated i cant. i am very diasppointed with capital one. also they have me at an interest rate for 28 % when i was offer 25 % AND 26 %
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : JEFFERSON CAPITAL SYST Balance {$300.00} Date opened XXXX XXXX, 2021
Product: Prepaid card

I recently was denied my claim of Unemployment Insurance fraud concerning the use and spending of the amount of {$2900.00}. This amount was to be paid to me during the XXXX outbreak where citizens were ordered to stay home and and no non essential travels in the state of Nevada. My Unemployment check was hacked by an unknown user and my funds were never received. Their claim is that I activated the card, so therefore I'm responsible for the charges to this card, of which was never used! The Fraud department hung up on me when trying to dispute their findings!
Product: Mortgage

In XXXX of last year, I switched from paying monthly to bi-weekly with XXXX extra payments to be paid each year. I was told by a Wells Fargo customer service representative on XXXX XXXX that the extra payment of {$970.00} I made in XXXX ( Please see attached copies of my bank statements ) would be applied directly to principal ; however, when I called in XXXX of last year to ask why the extra payment had not been applied, I was told that the first payment toward principal would not occur until XXXX and the second in XXXX. 

My questions are : Why was the extra payment I made in XXXX, which is clearly shown in the attached bank statement, not applied to the principal immediately? Especially since I was told that this is what was going to happen? In past experience, as this is not the first mortgage I have had, each time I made an extra payment toward principal, it was applied immediately and it also affected my long term payment plan. Moreover, what happens to the extra payment I paid in XXXX? How on earth can they get away with this?