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

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  n accordance with the fair Credit Reporting act 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 written instructions
Product: Student loan

I took out student loans, in fact, {$90000.00} for a university, and when I was there, students and staff were so mean to me. When I graduated, I came home crying my eyes out. I had a look in my eye before from the staff members that I would never ever get a job and I could look for the rest of my life and no one would hire me. And I have processed that feeling although it comes and it goes. Maybe these banks should add a Human Behavior course that Americans will lie, cheat, and steal to get ahead. They will psychologically damage you and change all of your memories. I needed to be better prepared for human behavior to take out student loans.
Product: Debt collection

Multiple devices were charged to my account without my knowledge. I tried calling to have them removed saying I didnt give permission to the person that added them to my account.
Product: Debt collection

I've tried to communicate to all credit reporting agencies and the original creditor that this debt is unverified and not mine and have not received proof of validation of debt.
Product: Student loan

Since XX/XX/XXXX I have request MOHELA put me on a PSLF approved repayment plan. They never set me up on a plan and have multiple times ( XXXX, XXXX, XXXX ) put me into repayment without processing my request to get on a payment plan or notifying me I am going into repayment. Most recently after they incorrectly resumed my payments, I called them Thursday XX/XX/XXXX, and they put me in a 2 month processing forebearance. Now I just got an email today from my credit agency that I have a late credit report from MOHELA. I logged into MOHELA and it says I have a payment due today ( XX/XX/XXXX ), but there is no record of them communicating a change in my payment vs forebearance status. I've contacted studentaide.gov multiple times to get this corrected and they have not done anything but forward my request to MOHELA who has taken no action. On XX/XX/XXXX I contact my Senators office, XXXX XXXX Virginia, for support but have not heard back yet.
Product: Mortgage

My loan for XXXX XXXX XXXX XXXX XXXX, CO XXXX was transferred from XXXX XXXX XXXX to BSI Financial Services in XXXX of this year ( XXXX or XXXX ). Prior to the loan being transferred I paid {$57.00} in PMI via the escrow account. Also prior to the loan being transferred, I had submitted in writing to have the PMI removed as the loan to value ( original value ) was below 80 % which was accepted. 

In XXXX I received an escrow summary from BSI with a breakdown of the escrow payments. I immediately noticed that 1 ) PMI was still being charged and 2 ) the PMI per month had increased XXXX to {$230.00} per month. 

Upon noticing this I called BSI on XX/XX/XXXX. I was told the issue was sent to their escrow team and I would hear from them within 3-5 days. I never heard back and sent them a message on XX/XX/XXXX or XXXX. On XX/XX/XXXX I received a message from them that " We have submitted your request to the PMI department. Review may take up to 30 days and final determination will be sent to the mailing address on file. '' I have not heard anything back from them via phone, email or paper mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXXXXXXXXXXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being written to be published and notify the CFPB of the stall tactics that Experian is practicing. Attached here in this complaint is a letter from Experian. In the letter they referenced a complaint ID # XXXX thats is not attached on no complaints made to the CFPB. That was done to either cause further confusion for the consumer ( me ) or discourage the consumer from exercising rights by law under CFRA. As the consumer I need no legal documents to indicate authority over my financial matters. I have requested documents on correspondence such as wet signatures, phone calls etc that states me the consumer gave any consent for anything to be disclosed on my credit report. Under 15 USC 1681b permissible purpose. In the letter attached here from Experian they are requesting documentation to verify me the consumer. They are all attached here for their records so there shouldnt be anymore stall tactics. I would like for the complaint to be published to the public.
Product: Debt collection

Text message : XXXX XXXX Harris & Harris is a debt collector for XXXX XXXX XXXX. To Pay : XXXX or call XXXX. STOP to stop, msg & data rates may apply. 

Its always a new number and law group, the phone number used this time is XXXX already reported to FTC.gov, its only been a text message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened the account with XXXX Bank in XXXX, and the account was closed in XXXX. I am asking for this account to be deleted, because it has been seven years.
Product: Debt collection

For a few months, I have been receiving mail stating that I owe money for a few tests that I got done a while ago at a private clinic. The debt amount is {$92.00}. I have already contacted my clinic and they confirmed that I had made my full payment. My bill had come out to around {$700.00} and I paid the full thing in CASH. The total includes the tests for me and my XXXX daughters. One of them is XXXX and is also receiving mail from a whole different company asking for nearly {$400.00}. I have already paid for everything over 6 months ago. I have asked for a Debt Validation Letter from the collection company. Now they are saying that they will report it to the Credit Bureau which is not fair.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inaccurate information is being reported on all three of my credit reports from all three credit reporting companies. Example ; Equifax reports collection amount as {$450.00} and XXXX reports the same account as {$0.00}. I have filed several disputes asking for the information to be removed that is inaccurate. Also there has been no proof of a signed contract for these collections on my credit report. No explanation of how it came back verified. I need to see original documentation from these collection agencies with signed contracts from me or they need to be removed immediately. It is the LAW.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with the bureaus previously and it has not been resolved! There a XXXX XXXX Mortgage late notations reporting on my file that are erroneous. I did a quick sell on my home and ended up moving immediatley and the new owners settled in very shortly after. My title company was supposed to be taking care of the transactions and since it was in XXXX, I assume it would take 30 days to process payment but XXXX only has 28 days in the month. What I wasn't aware of is that XXXX reports late notations on the XXXX of every month and will consider you 30 days late after that period. They knew my house was going up for sale and they would receive their payment in 30 days! They ended up putting late notations on for XXXX because the payment wasn't received by the XXXX and for XXXX?! They had already received the full payment and the account should have been closed. There was no payment due in XXXX so there is no possible way for me to have been late. I disputed this with them and they apologized for the confusion and gave me a XXXX card?!? I can afford my own XXXX, I need them to remove the erroneous lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  XXXX i believe this company violated code 15 USC 1692c B communication act. 
this company is also reporting every month on my credit report in the month notes as collection, which is wrong. once a debt has went to collection it is closed and only supposed to be shown in notes or status.
Product: Checking or savings account

I received a XXXX payment request for {$540.00} for XXXX This was a fraudulent request I logged into XXXX and saw the request There was a note on XXXX that said that if I didn't make the transaction, i should report it to the Fraud investigation team at XXXX I called this number thinking it was the XXXX XXXX investigation team they answered the call saying " XXXX XXXX XXXX ... '' they asked me to download the XXXX app to my phone so that they could see my activity, for the purpose of protecting me from future fraud they proceeded to ask me to log into XXXX, XXXX, XXXX, and XXXX. 
ultimately they asked me to add the recipent " XXXX XXXX '' to XXXX and XXXX for the purpose of verification and also to cover all of the bases for protection I did what they asked and then they asked me to type in XXXX on XXXX and send I ended up being scammed into sending " XXXX XXXX '' {$1000.00} I realized I had been scammed and hung up and called XXXX XXXX XXXX immediately to stop the payment which was still pending. They said there was nothing they could do except file a fraud claim, which I did. They then told me to call XXXX. 
I called XXXX and they said the only thing they can do is to alert the recipient 's bank of the scam. 
I'd like to file a complaints against both Chase and XXXX for not working with me to refund the money that I was scammed out of, especially because I called immediately while the payment was still pending and they didnt act quickly. 
scammers make millions off of the third party payers like XXXX and XXXX because they offer no protection to clients. They have an obligation to protect clients
Product: Credit reporting

I have requested that Experian remove items from my credit report that are included in my Chapter XXXX bankruptcy ; these ( 4 ) accounts are listed separately as " negative accounts '' : XXXX ( $ XXXX- {$710.00} ) ; XXXX ; XXXX XXXX ; XXXX . I have provided copies of my Chapter XXXX Schedules XXXX several times, and separately for each of these items ( as required by Experian ). I 've also requested that Experian investigate and provide proof of a fifth " negative account '' : XXXX ( {$100.00} ), or remove it from my credit report. Experian simply refuses to do so, however, XXXX and XXXX have both removed these accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX.. XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , Equifax and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. ( XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXX.XXXX XXXX XXXX XXXX.XXXX XXXX # XXXXXXXX XXXX # XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I am having to come to you to fix this issue. Money Lion is again reporting that my loan with them was previously outstanding which is NEVER has been ALL payments were made ON TIME! You can not speak with anyone at this company Im management to correct issue only customer service.
Product: Prepaid card

We are filing this complaint regarding XXXX American Express ( Amex ) gift cards that were provided to us as an incentive for signing our apartment lease at XXXX XXXX. Both gift cards, valued at {$1500.00} each ( for a total of {$3000.00} ), have consistently been declined at various merchants despite multiple attempts to use them. 

Since receiving these gift cards, we have not been able to access the funds, effectively rendering the cards useless. We have verified that the cards were properly activated, and the issue persists across various vendors and transaction types. 

We have contacted the American Express call center multiple times regarding this issue and have not received any resolution. Despite our repeated efforts to resolve the matter directly with Amex, the cards remain non-functional. 

This situation has caused us considerable frustration and inconvenience as these funds were intended to be a part of the lease agreement incentive, and we have been unable to use them as promised. 

We kindly request that the total amount of {$3000.00} ( representing the value of both cards ) be issued to us via check or another guaranteed payment method. This would allow us to make use of the funds as intended. 


Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against LexisNexis regarding inaccuracies in my credit report. On XX/XX/2023, I submitted a dispute letter to LexisNexis highlighting two significant issues : Incorrect Personal Information : My credit report contains incorrect personal information that does not accurately represent me. 

Inaccurate Public Record : There is a public record listed under the name " XXXX, XXXX. '' This name is not the correct spelling of my name, and the information associated with this record is inaccurate. 

I have made every effort to rectify these issues with LexisNexis, but to date, no action has been taken to correct the inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that credit reporting agencies maintain accurate and up-to-date information. The inaccuracies in my credit report are not only damaging to my financial standing but also a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to the previous disputes and complaints of the unverified negative items on my credit report. I mailed you a letter disputing 6 accounts as inaccurate by certified mail with a return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the receipt as proof Outlining the letter received.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these accounts. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Thank you in advance
Product: Checking or savings account

In XX/XX/2021, I noticed some fraudulent activity on my CitiBank checking account. I reported the fraud to CitiBank in XX/XX/2021 and they said they would investigate. On the account, there was a negative balance of {$4300.00} that was deposited to another account from a fraudulent check. They told me it would take 30-60 days for the investigation which I let them do. I come to find out that Citibank closed my account without my knowledge and then mailed me information to the address on the account that is fraudulent. I never received a call or an email about anything at all. Again the address on file was changed without my consent or knowledge to an Oklahoma address. Now I have a closed account on my credit check and will have debt collectors after me because Citibank did not do an investigation after I sent them letters in regards to it being a fraud.
Product: Mortgage

My home loan was through midland mortgage. I was in the forbearance program for approximately 16 months. I sold XXXX home on XX/XX/XXXX 2021.My outstanding balance on my mortgage was XXXX, in which all my statement reflect this balance. My statements also show that there is no late fees due on the loan as dictated by the government for FHA loans. Midland Mortgage took the {$11000.00} in interest which was due as reflected on my tax statement. Midland Mortgage also took another {$13000.00} in which they keep telling me that it it interest and fees. I have reached out to a live customer service rep on several different occasions and they dont really tell no specifics but just saying I owe it. Back in XXXX when they first took the funds they had in my online file that the money was interest but they have since deleted the statement from my account. I also believe that the interest is calculated wrong at a 7.25 % rate the interest should have been {$7300.00} in interest charges. The buyers of my home sent the check to Midland mortgage first and they just took what they wanted.
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively. I have a collection account from XXXX XXXX  that was sent to XXXX XXXX XXXX and This is a fraudulent account that needs to be removed.
Product: Credit reporting or other personal consumer reports

I am responding to the recent investigation and do not agree with your findings. I believe the creditors were not adequately contacted, and I need more information regarding 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. Under the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Provide the names and addresses of persons contacted. You have fifteen ( 15 ) days to complete these actions, unless otherwise notified. Failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ).