23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had recently put in a complaint via your website because of some injustices that I feel had been going with my loan servicer, Caliber Home Loans. Previously my file was not being reviewed properly or was getting dropped out of review because Caliber claimed that I was not sending in documents, when in fact I had been. In addition, Caliber has been running a duel process of having my file in review along with active foreclosure sale dates, which I have been told in California is not legal to do. I recently was declined again XX/XX/XXXX, due to low income, so I resent a new application showing over a 40 % increase in income ( I am self employed so my income can increase significantly ) XX/XX/XXXX and last week I was told that my sale date was on hold and that my file was in review. Today, XXXX/XXXX/15, I call for another update and have been told that my file was declined on XXXX/XXXX/15, only XXXX days after I emailed my documents and that my sale date is now on for XXXX/XXXX/15. I spoke to the rep and they told me that they used an income of over {$7400.00} against only {$5500.00} in debts. How is it that my debts are excessive if this is the case. I have also expressed that I am willing to take a higher payment than my previous payment because I just want to get back on track. I do not have enough to bring my loan current and I keep getting told that they can not modify my loan because I already have 2 %.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ).

Specifically, cash app failed to take timely an effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting several debts on my credit file on my account as well as my wife 's and I would like them removed. I have settled these debts with you and ask that you please remove these accounts from my credit file. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this account. 
I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I have settled the debt with you and am now asking for you to provide a letter to the bureaus stating this account should be removed from my credit file. 
Please provide a letter from your company agreeing to the terms. This letter should be signed by an authorized agent of Express Recovery. If I do not receive a deletion letter in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under to the law to enforce the removal, including but not limited to institution of legal proceedings against you.
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, Account name : XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX, Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  ) # XXXX, Account name XXXX XXXX # XXXX XXXX Account name : Bank of XXXX # XXXX Account name : Upgrade XXXX # XXXX All have 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, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This is a follow up to my first complaint that is taking forever to be resolved. Someone named XXXX ( ext. XXXX ) Chase 's Executive Office has the audacity to leave me a message to call her back in the evening. I left her two voicemails and she has NOT called me back!!!!! I have been calling her since XXXX my time and she has not gotten back to me. She keeps on telling the rep she 's on a phone call and she will be calling me back in the afternoon. It 's getting late on side of the U.S. and she now tells me that she does n't have time to talk to me! Chase is so unprofessional that I do n't have the words to describe the pain and stress they have caused me for the last two weeks! How can someone be on a phone call for the last 5 hours!!! They are not willing to help me and I can see that already.
Product: Debt or credit management

Someone has access to my bank account information. An auto loan was opened in XXXX along with another loan with Capital One in XXXX.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated. 


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 XXXX  days before the payment due date. 


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


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


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


Update the late payments from my consumer reports
Product: Student loan

Navientwas the loan servicer for my federal student loans between XX/XX/XXXX- XX/XX/XXXX. During which time I was employed in an education based non-profit residency training program. At the timeNavientrepresentatives instructed me to complete forms for deferment/forbearance for my private loans and disregarded the income based loan repayment option for my federal loans. Pursuant to their recommendation I submitted those documents. 

After reviewing my PSLF qualifying payments I recognized there is a gap for the XX/XX/XXXX- XX/XX/XXXX period. I was under the impression my federal loans were in an income based {$0.00} ( XXXX dollar payment ) as it was in XXXX based on my low income. However it is my belief Navient placed both federal and private loans if deferment status which detrimentally impacted my eligibility for qualifying payments under the PSLF program. Had this deferment not been applied to my federal loans I would be closer to federal loan forgiveness under PSLF. 

I understand loan servicers like Navient claim there was a lack of guidance provided by the U.S. Dept of Education during this time and specifics regarding PSLF were not obvious according to them ; fortunately the U.S. Department of Education has provided an opportunity to amend the unintended consequences of this mixup.
Product: Student loan

Repaying the loans is awful. I make nearly weekly payments towards my student loans and it takes far more than the ( 2 business days ) to process my payment, meanwhile they tack on the interest as soon as the clock ticks XXXX. This needs to be resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter requesting that the Credit Bureuas reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, hte Credit Bureaus have failed to respond to my request. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, # XXXX and # XXXX and I'm including it again. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX master card {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$660.00} and {$350.00} XXXX XXXX XXXX XXXX XXXX bank {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} Have two names they use that are not even mine as known as on the page one of them is last name is not even mine and the other the first name is not how I spell it They also have an address that I have no idea whos it is on there as well Can someone help me with these issues??
Product: Consumer Loan

I changed banks and forgot to set up an automatic payment out of the new bank. I paid my payment when I realized the error, but the institution charged me a late fee. 
The next month I sent XXXX payments to make sure I was current but they started calling about the {$20.00} late fee obsessively. 
I paid the late fee and gave them a confirmation number and a date they will be getting the payment. The calls will not cease. 
They have been calling 3 times a day, 3 to 4 days a week since XX/XX/2016. I have called them 4 times and each time they assure me I am off of the call list. I also get massive text messages and e-mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint.

1681e ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681e ( a ) maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and affiant is aware, no consumer reporting agency can furnish a consumer report to any person without the following all the purposes listed in section 1681b of this title 15. 


These accounts are not reporting accurately according to the industry 's own Metro 2 Compliance Guide which is a violation of the FCRA. This is not to dispute ownership of the account, this is to say that the accounts are reporting inaccurate which should result in deletions
Product: Student loan

servicing and paying back a student loan i entered inadvertently when i just arrived the US XX/XX/XXXX/XX/XX/XXXX,  and was notified of it when i arrived with plans to further my education. But i have been unable to get access to my credit score or i dont know if the debt been serviced is preventing me and other companies like phone companies etc from seeing my credit score so as to easily enter into payment plans. I dont know how long one has to be in the country to have usable and effective credit reports since almost all services and purchases as well as automobile and housing deals with credit score systems. 

Please advise me on how to get this settled. Apparently, there are alot i am yet to understand or know fully with regards dealing with consumers and companies generally. Expecting your reply as promptly as possible. I have moved like 4 times since XX/XX/XXXX, stayed in one location in XXXX XXXX. Since arriving XXXX in XX/XX/XXXX, this is my 3rd address. My new Social security card has just been mailed to previous address in XXXX. Please what do i do? 

You can reach me via phone as well XXXX and or email.
Product: Debt or credit management

I had started paying for an old debt that was undisclosed completely. I was alright until I got into a financial crunch and could not pay them. I also decided to look them up on your cite and found they had been cited by you all for previously charging clients for accounts they did not owe. Thats my main complaint on this company and another company that has been charging and the amount of the money doesnt seem to decrease.
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXXXXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



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

XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. The accounts in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the XXXX, XXXX and TransUnion Bureaus to remove these specified accounts below : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX XXXX XXXX  XXXX Account Balance {$0.00} XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} TRANSUNION : XXXX XXXX XXXX Account Balance {$15000.00}
Product: Credit card

I would like to say I have citi card for many years and recently prior to my out of country for being in military. I requested them to dispute my charges on the card that was being in CA. 1. i do not reside there however I mention the charge also with the fact I do not have phone access they insist on telling me to call in when they already prior ask me what charges were they. There was no cancel on my card or offer to close out my card, I do not have the time to call so I have my wife schedule the payment to pay off the card. I am back in state but they do not seems to understand my needs. On top of that I mention being in service member have been troubling my communication and one time I was charge of fee because there 's an annual fee, of course I was not brought to attention until it was recorded into collection, they claim they have made contact with me before it went in collection. I would say there was no email nor any call made until my day marked on XXXX of the month. Their service are horrible I am assuming due to big banking they do not go into understanding of military member service and how it is hard for a contact to be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted the following information to Equifax. 

Equifax XXXX XXXX XXXX , XXXX 
XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX Consumer Center in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Bankruptcy Chapter XXXX in XX/XX/XXXX and Bankruptcy Chapter XXXX in XX/XX/XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX Consumer Center and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identify Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX I received notice from Equifax that the information was verified with XXXX XXXX however I have a current freeze with XXXX XXXX  which would make that not valid information. Therefore request that this be investigated and the bankruptcy be removed from my report. I have attached documentation to support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned that the credit companies have ignored my formal requests to have negative info from my credit report regarding XXXX XXXX Jewelers. I jabe contavted them as well as the ftc amd no one has done anything.