23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2015 I sent in writing to the apartment manager the request to vacate as the property was not safe and caused my husband to have a XXXX XXXX and went to the hospital We can provide medical bills if needed. We stayed in a hotel to recuperate from the heat and upon returning to the apartment to collect our belongings they had stolen our personal belongings and trashed the rest of our things. Then they sent us to collections for a bill we should not have been charged for in the amount of {$2200.00}. We requested the fix the air conditioner unit in the apartment many times during our lease term and they would only send maintenance up to clean the unit and it still would not cool the apartment. The electric bills doubled and I can provide those as well. Please find attached the email. I tried attempted several times to solve this matter directly with them and they refused. So we now have damaged credit.
Product: Debt collection

Professional Collection Consultants sent my employer via US mail a fake wage garnishment letter. The letter stated false court report numbers. I contacted my local court and there was no evidence of the report number given by XXXX XXXX law offices on file. There were no stamps on the letter stating that judgement was filed. I do not have any debt. I have no collections. I have never heard of XXXX until writ was given to my employer. Never once had XXXX tried to collect money from me. I have no knowledge of this company or any debt that they claim I owe. I have nor never have I had a judgement against me. I do not appreciate these illegal and harassing tactics to collect a debt I do not nor have ever owed.
Product: Credit card or prepaid card

I sent the following letter to HSBC and now I am requesting CFPB further assistance : This letter is to request a Removal of my Negative Standing with HSBC for my credit card ending in XXXX, specifically the returned check status. HSBC negligently flagged my account with a returned check status without performing proper due diligence. In early XXXX, I was offered a promotion of a 0 % APR for 12 months. In order to take advantage of historically low interest rates, I made an attempt to exercise this offer by first paying off my current balance. A customer service representative notified me that my current balance was {$340.00} so I made the respective payment on XX/XX/2019. However, I quickly realized that this amount was incorrect & I immediately called my bank and cancelled this payment and re-issued the correct payment amount of {$380.00} ( see attachment ). I made this correction because I was misinformed by HSBC & as a result, my credit profile shouldnt be affected with a non-payment status. 
I was declined a credit limit increase due to the returned check status but I made significant amount of attempts to resolve this issue with HSBC. However, no one from customer service made efforts to research this mistake and flaw in the system and resolve this matter. 
Enclosures : 1. Copy of letter from HSBC denying me credit due to non-payment. 
I have sent a copy of this letter to the Consumer Financial Protection Bureau & have requested their assistance with this matter as I have exhausted all of my resources as a customer. 
I am requesting that HSBC remove the returned checks status from my account ending XXXX so that we can proceed with a credit limit increase as my XXXX score is significantly high. 
XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing ton my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This Fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX for the amount of {$7300.00}. XXXX XXXX XXXX with a balance of {$22000.00} and also original balance of {$15000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Report Number XXXX as proof from the U.S Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I applied for a Citi Account Package with a {$400.00} bonus today. I received the attached email, including application ID # XXXX. When I called to confirm what additional information was needed for this application, my call was transferred to multiple representatives. Ultimately, I was told that there was no application on file and I had no checking or savings account with Citi. Needless to say, this is very worrisome. First, Citi has lost my personal information by misplacing this application. Second, now I will not be eligible for the {$400.00} bonus associated with my application since the promotion ended today, not that I would want to do business with a bank that loses personal identity information. It is unacceptable for Citi to act in this manner and the CFPB should investigate.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 15 USC 1681. Account XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX, Account XXXX XXXXXXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A states I have the right to privacy. I looked at my Equifax credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to USC 1681 ( e ) ( b ). And according to 15 USC 1681 i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file or the consumer. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 7 late payments but the information is not consistent across all XXXX, Equifax and XXXX which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Last year Ocwen did the same thing and the XXXX contacted them and part of the issue resolved. I have HAMP and my loan goes to 4 % this year. The amount I pay now is XXXX. My amount should not go to XXXX. Effective XXXX/XXXX/XXXX they want me to pay XXXX which is understandable, but as of XXXX/XXXX/XXXX to pay XXXX. Ocwen told me to pay in the amount of XXXX for my Escrow account and I did and they said that would cover everything. The first letter I received in the mail states I will be paying XXXX which is not correct. The XXXX highest amounts are incorrect. My Escrow account has a balance of XXXX, why did I still have to send money to cover Escrow. Ocwen has been cheating home owners for a long time, if I do n't check behind them this will continue. Ocwen raised my monthly amount before the five years was up to XXXX whereas the agreement with HAMP was XXXX monthly for five years. When you call to talk to them they say their going to investigate the situation but nothing is done, only a letter with a higher monthly payment. On their site when I check the principal and interest amounts its not the same reported to me. The amount I should be paying for XX/XX/XXXX is XXXX. How are they calculating wrong amounts with monies still in Escrow from XX/XX/XXXX. This company has been nothing but problems since they bought my loan from XXXX. Why is it they can do what they want and get away with it. I 'm a senior citizen paying bills on time and tired of the headaches Ocwen has caused me. On my credit report Ocwen states they were part of a bankruptcy which is not true they were only sent a notice of filing and they were not included, that 's when they started charging me XXXX, which they were not suppose to. This is an ongoing problem with mortgage companies like them. PLEASE HELP
Product: Credit reporting or other personal consumer reports

1. Im disputing this item because According to the FCRA 605b law this was not Authorize to report on my credit report Transunion need permission to report this on my credit report which I did not give them permission OR Didnt provide them with a written letter to report this on my credit report to do 2.This is a violation of 15 U.S. Code 1681 ( 9 ) Removal of inaccurate/invalidated credit information. Please remove it immediately.

3. How is this keep coming back verified when none these company can send me proof of a Purchased Agreement, my wet signature and ID verification. So delete this inaccuracy from my report.

DELETE THIS IMMEDIATELY BEEN OVER 30 days OR I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k
Product: Credit card or prepaid card

AMERICAN EXPRESS has discriminated against me under 15 USC 1691 the consumer and original creditor proven under 15 USC 1602f by denying my right to credit under 15 USC 1601. AMERICAN EXPRESS has committed Federal Violations against me under 15 USC 1602p and 15 USC 1644 for unauthorized use my credit card to where I receive no benefit. I have exercised my right under 15 USC 6802abc to opt out of their negative reporting. I fell hurt, embarrassed, neglected, depressed and discriminated for the adverse actions and ill will of AMERICAN EXPRESS.
Product: Debt collection

I receive at least six calls a day from automated number XXXX. Yes I owe the money and yes I told them when I would pay it. this is an automated system and live operators. One call and I let them know I would take care of the bill it is only 2 wks past due - balance is small and will be paid by the end of month. I have asked them to quit calling me all day long and they said it 's in the computer and they ca n't change it. Enough is enough.
Product: Credit reporting or other personal consumer reports

This is the second time chase cards authorized a hard check on my credit without my permission
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach. As a result, fraudulent accounts and unauthorized inquiries have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent items : Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Unauthorized Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in those account 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 XXXX XXXX before the payment due date.

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 XXXX 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

After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to me .These account has missing information there for they are not 100 % accurate reporting, there is no information on who is reporting these account or the allege debtor : ( XXXX ; XXXX ; XXXX ). 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account., I'm requesting these account to be removed from my credit because they are no mine.
Product: Student loan

I am writing with respect to my PLSF waiver. I have worked for an eligible public service institution since XXXX. I have made full payments monthly since XXXX ( with XXXX until consolidation in XXXX for the TPLSF ). When the TPLSF waiver was initiated, I immediately consolidated. It was at this time, after consolidation, that I learned that over 5 years of payments were not included. Those periods of payments were during a time that I returned to school to further my education. Despite my effort to continue my payments and status as normal, I was caught in an automated process between my institution, the department of education, and my servicer ( XXXX ) and I had no way to proactively protect myself and my account from harm of being placed in in-school deferment and that my payments which were made in full, on time, and in good faith. The program that I was in was almost exclusively an asynchronous program meaning we didn't have class/lecture together and was meant to be done around a full time work schedule. The full-time status opens up more opportunity for students to qualify for financial aid, but it also results in automatic in-school deferment. As a result, over 60 payments are not counting towards my waiver, and if they were, my loans would be forgiven. Theoretically, the PLSF waiver was created for this purpose : to waive loans after 120 payments towards their student loans all while working at an eligible Public Service Institution. I did this. I accomplished this.
Product: Credit reporting or other personal consumer reports

I paid off a personal loan with XXXX XXXX XXXX on XX/XX/2023. My balance is now XXXX. I went on line and found out that XXXX XXXX had sold my paid personal loan to SYSTEMS SERVICE TECHNOLOGY ( SST ) XXXX XXXX XXXX SST and a representative of the company XXXX XXXX told me that the reason this paid loan was not reported to the CREDIT BUREAU was because they do not have all the files from XXXX XXXX XXXX to file this and report it paid to the credit bureau. XXXX said it could be weeks/months or longer until they can report this loan paid. 
It is very unfair to a consumer who worked hard to pay off this loan and wants its reported to the credit bureaus so my credit score will reflect this payment. I took out this loan in good faith and lived up to my responsibility and now within a reasonable amount of time want this to be reported to the credit bureaus. 
I spoke with a a representative from the FEDERAL RESERVE CONSUMER HELP LINE and he told me to file a complaint with your agency. The representatives name was XXXX. 
XXXX I would appreciate assistance with getting my paid personal loan reported to the credit Bureaus Thank you for your consideration
Product: Debt collection

This company is harassing saying I owe. This debt which I do not I have not received any proof of debt they are a XXXX XXXX. Debt collector. I've checked my credit and I see no collections owed plus I received no letter or any other form of proof I'm assuming they are frauds
Product: Prepaid card

I put {$500.00} on the XXXX of XXXX. My card has a {$0.00} balance. When I call it says my card has not been activated. I have had this card for 2 years. It 's activated. When I finally did get through to speak to someone, I was told they ca n't access any accounts, and I would be contacted by text message when it was fixed. I 'm still waiting
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown late payment XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$510.00} Balance Updated - Credit Limit {$2100.00} Past Due Amount - High Balance {$1200.00} Monthly Payment {$26.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments
Product: Mortgage

I was with Country Wide home loan and was caught up in the way they were misleading me about the mortgage. They way they set it up l had to try and get them to refinance and didnt understand the way they structured the loan. Now that in older the way the mortgage is structured Im unable to get a reverse mortgage.
Product: Credit card

Yes, I have started a fraud claim with the FNBO credit card company and Once I have called in and reported that my card has been lost and stolen over the phone because I might have drop it or lost it near the airport once I did my XXXX drop off and the FNBO company told me not to worry that I wouldn't be held reliable and not once have they called me or ask me anything about my situation. On top of that they have denied my claim and think i never lost my card??? I even looked at the transaction and it showing it was out of state? I'm not sure what the company is trying to do to me..