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

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX. XXXX Collections Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX, has violated my rights. 

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

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

The debt was taken care of as a result of a consumer credit counseling debt consolidation and the original creditor XXXX XXXX XXXX XXXX was paid over {$4000.00} in which I paid more than the monthly agreed amount. The contract ended in XXXX and the account was closed. XXXX is now billing me for {$2600.00} of which I do not owe. 

When I have asked for verification they have provided me with XXXX statements showing a balance statement of revolving credit. XXXX from XXXX and XXXX from XXXX. Neither of which shows any purchases I have disputed this several times with no resolution. 

I do not owe them any money. I have paid my debt. This has been on my credit report since XXXX and I can not get rid of it. I have been trying to clean up my credit the right way and to have these types of companies who can do this is robbery.
Product: Credit card

I have had an XXXX store credit card for XXXX or XXXX years. During that time Synchrony Bank, the issuer of the credit card, has never sent " me '' notice that a statement had " dropped '' or a copy of my monthly statement. The latter bothers me little as I pay off the total of my credit cards every month, In the case of XXXX, it is twice a month. I used to receive notice that a Synchrony statement had issued when I was a customer of XXXX XXXX XXXX. Why the bank and not me, I do not know. 

I stopped doing business with XXXX XXXX XXXX last year or earlier. Since then I have tried to get Synchrony Bank to send " me '' the notices that a statement had been issued. Because this is a twice a month billing, if I fail to receive notice that something is owed, I could inadvertently fail to pay on time and be charged finance charges. Frankly, I am beginning to believe is why Synchrony Bank has failed to correct this problem. I have complained several times and, was of course, assured that the problem had been fixed. After one of my complaint sessions a month or two ago, I received 4 ( I think ) years worth of paper statements! I didn't ask for that, and I don't know what their purpose was. 

I tried today to " chat '' with the bank about the problem, and basically the representative simply " tap danced. '' around the problem and was told to call Monday. Well I am through talking to these people.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$100000.00} XXXX XXXX XX/XX/XXXX {$100000.00} XXXX XXXX XX/XX/XXXX {$100000.00} XXXX XXXX XX/XX/XXXX {$100000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$63000.00} XXXX XXXX XX/XX/XXXX {$62000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ CAPITAL ONE 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
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 ( 5 ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I recently made a payment on XX/XX/XXXX. Prior to that I made XXXX payments. XXXX in XXXX and had a problem with insufficient funds. Second payment I got the account number wrong so it bounced back. I agree to these payments. Lastly I was told by capital one I made a payment from a XXXX account which is not mines. I let them know this is a fraudulent payment. This has happened to me across all of my cards due to the fact I was not able to use my cards. I had a personal problem thats put me out of life for the last 3 months. I am trying to get myself back together now and made a payment only for my account to be closed. I need access to credit all of this has destroyed my life. I need assistance with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX or XXXX of 2021 I disputed a chapterXXXX bankruptcy reporting on my Experian credit report the dispute came back as validated from a third party source I tried explaining to experian that the chapter XXXX bankruptcy was not mine Experian told me I needed to submit proof that the bankruptcy was not mine I contacted the court house attached to the bankruptcy to ask for proof I was told that they do not release information to the public I called experian back and they stated I could not submit another dispute because I had already submitted a dispute disputing the bankruptcy reporting on my credit I would like the bankruptcy that is reporting on my credit removed and or validated from the direct source not a third party source by experian inaccurately reporting this chapter XXXX bankruptcy inaccurately it is damaging my reputation and character
Product: Credit card

I have the AMEX Delta Skymiles Reserve Card, which provides a companion airline ticket each year on the anniversary of the card renewal and payment of the card fee. This should have occurred in XXXX XXXX XXXX XXXX is my renewal date ; however, after multiple requests from the customer service department they continue to say there are issues in providing the passes to customers because of technical issues between Amex and Delta Airlines. They are in violation of the credit card agreement and there is virtually no recourse for the consumer. You can file a complaint here but it wont actually resolve anything. Amex takes your annual fee, but then withholds your promised benefits.
Product: Mortgage

Pacific Union Financial handles my account. While I have, supposedly, authorized them to make my escrow payments, they failed to notify me that said escrow was paid on XXXX/XXXX/XXXX. 

Today, XXXX/XXXX/XXXX, my wife went an made our escrow payment to the city of XXXX, WI, using our own funds. We were never notified by phone, mail, or email, that payment had been previously made. 

It will now take XXXX weeks for me to get refunded for my trouble
Product: Consumer Loan

American Credit Acceptance opened a fraudulent auto loan with my information. After filing a complaint with my local law enforcement, the FTC and reaching out to them to request additional information and remove the fraudulent information, they have not responded. I will be mailing a follow up letter today.
Product: Credit reporting or other personal consumer reports

I was notified by my credit report monitoring service that several hard credit checks occurred using my information that I did not initiate. An unknown individual applied for a credit card using my information from XXXX XXXX and XXXX XXXX XXXX. Both banks have been notified of the fraudulent activity and the applications will be terminated.
Product: Credit card or prepaid card

At XXXX on XX/XX/21 I received a call regarding a discover card. I do not have a discover card or want one. I have had this call multiple times per day. I told them I am on the XXXX do not call list but they keep calling.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. r Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ~ Comments XXXX XXXX XXXXXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -XXXX account ending XXXX ( they are saying late on XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-XXXX ( balance {$62000.00} ) late XX/XX/XXXX : I was not receiving a statement at that time and never late
Product: Vehicle loan or lease

I have gap insurance with XXXX XXXX bridgecrest for XXXX Gap coverage, my car insurance already give to they bridgecrest that my car is total loss amount, the evaluatin of vehicule and sentlement breakdown, and I ask bridgecrest for one letter or email for my gap insurance claim that cover, they dont want any letter or email for that, also don't want give me finance for other car, knowling I dont have fault of the crash and always paid on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

Hello, I have been disputing these collections. Based on the FACTA ACT these accounts should be investigated properly. These accounts are still affecting my score and are not accurate, not my account and not validated. 
I would like these accounts investigated and removed immediately based on law 15 U.S.C 1681 i 7 and to know what steps were taken. 

Accounts : XXXX XXXX XXXX - {$11000.00} XXXX  : {$450.00} XXXX XXXXXXXX : {$580.00} XXXXXXXX XXXX XXXX XXXX  {$1300.00} XXXX XXXX XXXX XXXX {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Complaint Department - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX I am writing to dispute the Credit Score Data on my credit report is inaccurate, and NOT updated correctly as the FCRA detail and the State of Washington Consumer Credit Reporting Acts also details. According to FCRA under Title 15 Commerce and Trade, Section 1681, None of my information is being updated as True, Accurate, or with prompt relevance. Your Agency is in direct violation of the FCRA and the WACCRA. 

SUBCHAPTER IIICREDIT REPORTING AGENCIES 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 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. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) Your Agency has failed to update my Credit Score appropriately and within a reasonable amount of time. Therefore, I am tendering this letter as a FORMAL NOTICE to correct that discrepancy and ERROR within your system. I will be tendering this information to the FTC and other Federal Organization to review your practices and correct this inaccuracy. 

Enclosed are copies of other creditor Score Monitoring Sites, that quite plainly show a more accurate picture of my credit score and worthiness. Why your Bureau is so lack luster on updating information remains a mystery and is an FCRA failure on your part. 

Please reinvestigate this CREDIT SCORE Reporting issue and your INACCURACIES PROMPTLY and correct this information in accordance to the FCRA Federal Rules. I WILL expect a favorable response from your Agency regarding this issue. Tender a Formal letter in response to the address listed above. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report as provided under my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, which establishes civil liability for negligent noncompliance. 

Upon reviewing my credit report dated XX/XX/year> I identified the following inaccurate item ( XXXX ) : XXXX. Midland Credit Managem Account Number : XXXX Inaccuracy : The account has not been validated nor has the supposed credit grantor/ debt buyer provided me or the credit bureau with proper documentation stating I owe this debt. Debt amount is wrong, supposed debt is Being reported as OPEN violating law 15 usc 1692e ( a ). These inaccuracies have caused me financial harm, denial of credit, increased interest rates, emotional distress, etc. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Inaccuracy : The account has not been validated nor has the supposed credit grantor/ debt buyer provided me or the credit bureau with proper documentation stating I owe this debt. Debt amount is wrong, supposed debt is Being reported as OPEN violating law 15 usc 1692e ( a ). These inaccuracies have caused me financial harm, denial of credit, increased interest rates, emotional distress, etc. 


I have asked XXXX to request documentation and have yet to receive adequate and explanation of investigations. Therefore I request removal immediately. As I have been denied a formal and relevant investigation or explanation. 

Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Furthermore, if a CRA negligently fails to comply with its obligations, it may be held liable for any damages sustained, as outlined in 15 U.S.C. 1681o. 

I request that XXXX investigate this matter thoroughly, as required by 15 U.S.C. 1681i, and take the necessary actions to : Correct or remove the inaccurate information, and Provide me with a corrected copy of my credit report. 
Please forward all relevant documentation or communications from the furnisher of the disputed information to verify the accuracy of their reporting. If the disputed information can not be verified, it must be promptly deleted from my report. 

Please respond to this dispute in writing within 30 days of receiving this letter, as required by law. If this matter is not resolved to my satisfaction, I reserve the right to pursue legal action under the FCRA for negligent noncompliance. 

Thank you for your prompt attention to this matter. If you require any additional information, I can be reached at XXXX or at XXXX Sincerely, XXXX XXXX XXXX XXXX.
Product: Mortgage

We placed our mortgage in forebearance back in XXXX, XXXX. Upon the six month forebearance expiry date in XX/XX/XXXX, I contacted the company, HomeLoanServ a.k.a. Idaho Housing to take our loan out of forebearance in order to resume payments. They said they would send paperwork and we were to wait for a call from their traveling Notary Public. The call never came. The HomeLoanServ company sent us paperwork that we filled out and sent back which included a request for past tax returns, and two months of pay stubs, which we provided. Then they sent another letter stating we missed two weeks of pay stubs and we had 4 days only to get the documents to them, or the deal was off. Well, that was XXXX of XXXX. I called them in XXXX and they said that we weren't eligible to exit the forebearance ( which was false ), and that they had sent us paperwork for a loan modification. Well, we were already in process, they said it would be 30-45 days from the XXXX date that they would call and notify us of our options to begin repayment on our mortgage. I called them at the end of XXXX, and 5 times last week, and 2 times earlier this week. Different agents tell us different stories. My favorite one is that we must have been confused because we are eligible to resume payments by placing the forebearance debt onto the end of the loan. Ok, well, we are supposedly near the end of the loan modification process so we thought it would be wise to wait and find out what all the options are before making a decision. According to HomeLoanServ assigned agent, they only have one person authorized to sign off on loan modification applications and she has hundreds of them outstanding. Well, it's the end of XX/XX/XXXX. HomeLoanServ blew past thirty days, forty-five days and now it's more than 60 days and still no information. We are down to one vehicle for the family and we can't apply for a new auto loan to purchase another vehicle until we know what our house payment is supposed to be. We are growing tired of all the excuses and procrastination and false and misleading information coming from HomeLoanServ and desire a speedy resolution.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this is a multi area complaint. at first several years ago. Sullivan and Terranova, Lawyers, ( XXXX XXXX XXXX XXXX, XXXX OR XXXX, XXXX ) contacted me about a student loan that had not been sent to collections yet due to the fact that I could not pay the amount the loan company wanted me to pay. they said i was going to be sued for the amount due and that i had to either start making payments in the full amount or get sued. I at the time was making {$9.00} an hr in a XXXX job and had XXXX other student loans i was paying the minimum on. I just did n't have the money to pay {$400.00} a month. I know that they could not legally take more then 10 % of my pay for loans and told them That i would only be able to give {$150.00}. I paid that amount every month for 4 years never once getting a monthly statement letting me know my balance or my interest paid for tax reasons. I had asked multiple times via phone calls and was told that they will not give me monthly statements and that if i did n't keep paying that i would be sued. in XXXX on XXXX i I was given money from a family member to pay them off and i offered them {$15000.00} to settle the account. they accepted given that i paid with in 2 weeks. i meet their criteria. they stated that i would get a confirmation within 30 days. its now XXXX/XXXX/XXXX and I 'm still fighting for them to give me a confirmation of my settlement being paid in full. it still reflects on my credit as not being paid off. despite repeated request i have still not been given any details of who they are representing or the ability to ask that company for my payoff letter with loan account number on it. my credit still shows that i owe the money even though they accepted my settlement and payment.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I have my loan with Ditech. My monthly payment is {$1000.00}, I pay {$810.00} every two weeks for a total amount of {$1600.00}. Every month I get a phone call from Ditech saying that my payment is late or there is a shortage on my payment. Also, they keep charging me for late fees {$41.00}. Every time I call Ditech they say everything has been corrected and all the late fees had been removed. That is not true. I dont know what else to do. This is so frustrating.