23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX Chime closed my account with no notice or explanation. After many calls I was told my account would be reopened if I sent a picture of my id, social security card and proof of address. This was emailed to chime immediately. I received a response saying my account could not be reopened but a request had been sent to expedite processing of my closure check with the remaining funds. When I emailed several days later for tbd status of this expedited check I received no response. After 4 days of emailing with no response I called and was told no such process exists and multiple reps hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit that was due to fraudulent information and have sent if over 30 letters to transunion and have not gotten any response.
Product: Mortgage

Wells Fargo reported to XXXX that my mortgage was foreclosed on in 2014, But it was not foreclosed on. I am trying to close on a house and this has stopped my closing as i ca n't get a mortgage with this error on my credit report. They have aknowledged that this is an error and they would send a letter correcting this to me for closing and XXXX to correct the error. The letter never came and they say they are sending it over and it is thier system but it does not come
Product: Credit card

My XXXXXXXX XXXX XXXX was stolen and charges were made on the account i did not make. the address they claim the items were sent to was not my address and the name it was sent to was not my name. my name is not XXXX XXXX and i did not live in the United States in XXXX  Synchrony Bank rudely accused me of the charges and had nothing to back up there claims. They are refusing to remove the fraud charges on my account and want me to pay for something i did not buy.. no one should have to pay for something they did not buy but Synchrony Bank seems to be leave you should even if you didnt make the charges. Synchrony Bank has been making frivolous accusations on customers for years. after doing my own investigation i found out that Synchrony bank had done the same thing to over XXXX card holders. that its so bad they have a 1 star rating.
Product: Checking or savings account

I made a business pay check deposit into my personal account through the Citibank app. I got a notification that due to fraud protection my funds would to be held for more than 24 hours which it would be released from XX/XX/year> to XX/XX/XXXX. 
I contacted Citibank and Citibank was unable to verify funds in the account that the check is drawn from and I am liable to wait for the bank to do their due diligence. As far as I know, it is illegal to issue a bad check and where the check comes from, which is a well and stablished business, for almost a year that I worked for them I had no problem. 

My name is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called ChexSystems multiple times to unlock my account, but representatives have not been able to do this. I am trying to log into my consumer portal and I keep getting the message saying that an administrator has locked my account. I am unable to reset my password and I have tried the " I think my account is locked '' troubleshooting.
Product: Debt collection

I was sued and did not receive notice of trial and other documents because the plaintiff had the address wrong. Did not receive any information about the debt, if so I would have requested validation. The plaintiff had a default judgement entered. I am requesting the plaintiff to removed or vacate the judgement please information was incorrect. 

Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX Case number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/year> does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Timely Payments : I have consistently made on-time payments throughout the life of the loan, and I have documentation that supports this. The late payment reported for XX/XX/year> does not align with my payment history, which indicates no missed or late payments prior to this instance. 
Payment Processing Delay : The payment for XX/XX/year> was submitted within the required timeframe, but there may have been an internal delay in processing, leading to the incorrect reporting of a late payment. 
Dispute Already Filed : I had previously filed a dispute regarding this issue, which was marked as resolved. However, the inaccurate late payment entry remains on my credit report, which has negatively impacted my credit score. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


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

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts : XXXX XXXX XXXX XXXX XXXXXXXX {$430.00}, XXXX XXXX XXXX {$660.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$480.00}, XXXX XXXX XXXX XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXX XXXXXXXX {$2900.00}, XXXXXXXX XXXX XXXXXXXX XXXX {$1500.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXX {$570.00}, XXXX XXXX XXXX $ XXXX.Third-Party Collection Agency is unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtor 's account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Product: Credit card or prepaid card

My wife and I refinanced our home to obtain some of the equity in doing so some of our debts were paid off including BOA, the problem arose when the mortgage company made the check out for more than the balance owed. BOA received the check on XXXX. I called on XXXX and talked to a lady by the asked for a refund of the {$83.00} and also closed the account. I was told it would be mailed and I would receive it within 10 days. After calling five or more times as of today there is still no refund. On the XX/XX/XXXX call they were given a routing # and bank account # to deposit the funds, I was told maximum 10 business days. Still nothing. Today is XX/XX/XXXX. It's easy to see that they keep lying to me or just don't care.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

Since early XX/XX/year>, I have complained to Mohela about their auto pay system. I called in to inform Mohela that {$610.00} was draft from my credit union for the months of XXXX and XXXX with having two auto drafting occur for {$610.00}. I told the Rep that the payment with to LN # XXXX, but the statement said account # XXXX. The Rep said that was the old account # but he doesnt see the payments. I got the payments credited back to me from my credit union. The same thing occurred in XXXX and XXXX and my spouse called. This time my spouse called and complained to Mohela about their auto pay system. Mohela said they would fix the problem. I received the XX/XX/XXXX statement that said no payments were made. However, Mohela drafted two auto payments of {$610.00} from my account. One payment was XX/XX/XXXX and one on XX/XX/XXXX when in fact Mohela should only be auto drafting {$56.00} on the XXXX and {$550.00} on the XXXX. I told the Rep that the payment with to LN # XXXX again, but the statement said account # XXXX.
Product: Credit card

US bank is marketing and selling its XXXX perks travel rewards credit card with a lot of benefits. However, I have this card for more than 33 days now and I absolutely have no access to their promotion site and the offers they are marketing. I have been lied and cheated muitlple times by the customer care. Sometimes, I have been told that the offers are not for everyone but when I insisted that the credit card benefit booklet I received mentions all these offers and there is no targeted offer clause. Then, I was transferred to different departments and this has been happening for more than a month. They tried to plead me with XXXX points and told me that I will have access to the benefits after my first billing cycle. However, I am still struggling to even find out what my card offers. The customer service says it 's a technical issue and technical team says they never heard of this site before. This site is mentioned on every page of the booklet sent to me by the bank. It 's XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support Team, I am writing this complaint in response to the permanent limitation that was placed on my PayPal account, which has caused significant inconvenience and financial distress. I would like to appeal this decision as I believe it was placed in error. 

Firstly, I would like to emphasize that I have not violated any of PayPal 's policies or terms of service. I have always ensured that my account activities are in compliance with PayPal 's regulations and have never engaged in any fraudulent or suspicious transactions. Therefore, I strongly believe that the limitation placed on my account is unjustified. 

Secondly, I kindly request that PayPal re-investigates my case and provides me with a detailed explanation of the reasons behind this limitation. I am confident that upon further review, you will find that there has been a misunderstanding, and my account can be restored to its original state. 

Lastly, I would like to highlight that my PayPal account is essential for my daily financial transactions, and its limitation has caused significant distress. I kindly request that you expedite the review process and restore my account as soon as possible. 

I appreciate your understanding and prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] PayPal account email address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information has been exposed to Equifax data Breach because I didnt authorize this account neither did I open this account Equifax has failed to provide proof of this account is mines
Product: Payday loan, title loan, or personal loan

I paid the Speedy Cash loan in full almost two years ago and they keep harassing me they put it on my Credit Report and keep threatening me. I 'm sick of it I provided proof of full payments debited out of my bank account through ACH. They insist on harassing me and calling me and threatening me. I 'm tired if it all.
Product: Debt collection

On XX/XX/2021, Select Portfolio Servicing received our written request under RESPA law. SPS failed to acknowledged our request within the statutory time. As of today we have not receive acknowledgment from the servicer. SPS must comply with the RESPA written request and provide copy of the loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was open in my name that I do not have any knowledge of I try to contact the company with the phone number that's listed and you are not able to speak to no one this is a fraudulent account.
Product: Mortgage

XX/XX/2021 refinanced mortgage and LoanCare/Service Link was paid off. I and new mortgage company have tried to get them to release the mortgage, but to no avail. They do not respond. Its been 6 months which is clearly a violation of the fact act. We are getting fed up with non action to take care of this. Hope you can help.
Product: Payday loan, title loan, or personal loan

XXXX loan for {$5500.00} was told that by the end of my loan I would have paid {$17000.00} I had no idea that my APR was 900 % out of never agreed that I have payments of {$300.00} a month I have no income at this time and such company is threatening to send me to collections after being 2 days late I have no regulation of XXXX  XXXX XXXX with that much interest in such a short of time to pay back I have no regulation of XXXX XXXX XXXX with that much interest in such a short of time to pay back and App and affected by XXXX Net credit is a predatory loan which I having to make payments 3 times a month on the XXXX to XXXX in the XXXX of XXXX which is unreasonable and not able
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts that I have inquired about. I have given my name by I.D . and it's not showing correctly on my credit which I think opened these accounts in my name. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper ''Investigation '' according to the FCRA The term ''Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledgeable concerning any such items of information. 

They did not do this, Also they have violated my rights even more In accordance with the fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated by how is that possible if the open date is inaccurate the date last active is inaccurate and date last reported is not accurate this is ground for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A states I have the right to privacy,15 U.S.C 1681 604 A section 2 it also states a customer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

i have two data breaches with XXXX  and have had a heck of a time trying to get them to understand that if they continue to use the XXXX. XXXX or XXXX or any other email attached to my social security number is not helping at all. They are to use the only one that I use now, XXXX not XXXX, as those are a part of numerous fraud alerts with ftc, fXXXX XXXX XXXX, XXXX. My new email again is XXXX. I can not let you know how important this is as I have been XXXX over the internet over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XX/XX/2022, 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

Equifax could not verify my identity when asked, very vague questions regarding my credit history ( which dates back to the XXXX 's ) they asked what my monthly payment was when I named my credit card bank. My answer ; I pay it off monthly it varies. He kept repeatedly asking, in broken english, what my monthly payment was? That was after he ( XXXX ) quizzed me on my SS # my address, Birthdate and various other personal information. I was only calling to inquire if my credit was still frozen, as I believed it should be. I have frozen my credit for years, however the thaw process has changed. They would not answer based on my responses. Now I am to send a copy of my SS Card, Drivers license, utility bill etc. No, I don't want to blindly send or fax those documents particularly given the Equifax Breach. How do I determine if Equifax still has my credit frozen per my instructions from previous dates.
Product: Mortgage

XXXX. Since XXXX, I have applied for an assumption and modification, even loan forgiveness or forbearance, and followed the requests of Select Portfolio Servicing ( SPS ). 

XXXX. SPS has failed to review my applications for loss mitigation within 30 days for nearly 10 years since my divorce and overcharged me with excessive fees for monthly valuations. 

XXXX. They also delayed processing my requests causing me extensive harm with prolonged deliquencises, and late fees causing financial injury now. If they processed and completed my package in XXXX, even in XXXX, I would not face financial injury today. A {$510000.00} loan in XXXX is now nearly with a balance of {$800000.00}. 

XXXX. Like clockwork, and as listed in my previous complaint in XXXX, I received a notice my application was complete, and then XXXX weeks later, they sent a letter asking for more information. I have complied with all requests. 

XXXX. On XX/XX/XXXX, I was sent a notice for Required Information stating the information was insufficient, after yet another completed package notice for review over 30 days. 

XXXX. SPS was unable to determine my pay frequency based on documents uploaded on their system by me in XX/XX/XXXX with a deadline to respond by XXXX XX/XX/XXXX. 

XXXX. On XX/XX/XXXX, I logged in to the SPS system to upload my documents. I noticed another letter dated XXXX XXXX. I was not notified of this document by email or mail. 

XXXX. The letter was a payment plan that included an excess of fees and excess fines for valuations nearly every month. 

XXXX. I called SPS to ask why the payment plan was made during the time of applying for the modification at the same time. Why did they do a payment plan on an incomplete application, according to their records? The customer service rep from SPS was just as confused. When she came back she said it was final, I needed to accept it or my house would be foreclosed ; I had no choice but better comply. Sounds a bit threatening. 

XXXX. I asked for a forbearance, loan forgiveness, or deferral, and she said no that the lean holder does not do that. The loan holder is XXXX XXXX, and the rep did not tell the truth as XXXX XXXX offers these for their customers. https : XXXX  XXXX. I then asked for an itemization of the calculations and how they came to the payment. I was told, " No. '' They would not allow me an itemization of what I was paying for and why it was so high. 

XXXX. SPS continued to send people to my house with notices for collection even though they had my email and contact numbers. 

XXXX. In conclusion, SPS has failed to review my applications for loss mitigation within 30 days for nearly 10 years since my divorce, overcharged me with excessive fees for monthly valuations, denied all levels of assistance under the guidance of XXXX Bank, denied an itemization of all charges, and threatened to pay or else I would lose my home.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX 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 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 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