23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. Payment Errors : - Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the partial payment I made on XXXX XX/XX/2022 in the amount of {$280.00}. I paid this because I was given misinformation on the required payment amount in my statement based on failure to process the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Due to issues with your companys processing of my Mortgage Modification Paperwork referenced in section Section # 2 : Accessing and Providing Timely Information I incurred a fee from my bank in the amount of {$29.00} on XXXX XX/XX/2022. 
- Due to issues with your companys processing of my Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information I incurred a fee from my bank in the amount of {$29.00} on XXXX XX/XX/2022. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$1000.00}. I paid this because I was given misinformation on the required payment amount in my statement based on failure to process the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 

2. Accessing and Providing Timely Information : - Your company failed to provide accurate information and documents regarding rejection of loan mitigation documentation returned on XXXX XX/XX/2022. Tracking still states In Transit. I called and learned later that this was rejected due to Notary error. 
- Your company failed to provide accurate information and documents regarding rejection of loan mitigation documentation returned on XXXX XX/XX/2022. Paperwork was signed for by XXXX XXXX. I have yet to received accurate and timely information and documents to date. 

3. Properly Evaluating Loss Mitigation Applications : - Your company failed to properly evaluate the Loan Mitigation Applications as outlined in Section # 2 : Accessing and Providing Timely Information. 

You have now sent another Mitigation offer that is less favorable where I pay more due to your errors.
Product: Credit reporting or other personal consumer reports

I have disputed through XXXX XXXX since XXXX, XXXX. I have never received anything other than a letter stating the amount owed from RMP Services, LLC. They did not respond to any of my requests for validation of the debt. 

I asked for an investigation. I never received any information as to if it was ongoing or resolved. This account is reporting as open, but it is medical and not revolving. I stated they have never proven to me who they are in regards to collecting this debt. I did ask for more information in XXXX of XXXX. I also stated it had been paid by my insurance, and my explanation of benefits showed I did not owe this as it was paid by insurance at a much later date. I also have stated that the date of the original debt seemed to get revised each time I ask for an investigation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Reported to the credit bureau that I wrote a bad check to a company I NEVER had any dealings with- its is called XXXX and the check is in the amount of {$4400.00}!! I have disputed with XXXX - but they said the collection agency isnt taking it off- EVEN THO the collection agency CAN NOT produce ANY Proof- Because there is NONE- I HAVE NEVER WROTE A CHECK TO XXXX- much less XXXX for $ XXXX THATS A HECK OF ALOT OF SODA- dnt you think?!!!!! This is ridiculous, and these companies can not be allowed to do this WITHOUT PROVING their claims for collections!! this is ruing my credit- and its fraud!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan

I received a loan from Spotloan for {$400.00} on XXXX XXXX, 2015. During the application process it did not mention that the payments it pulled every paycheck would be interest only. My payments have come out on payday without issue since that time for {$66.00} every two weeks, XXXX payments in total since the loan was issued, totalling {$600.00}. I did n't have a payment pulled on Friday when I was paid and thought finally I had paid the loan and it 's outrageous interest back in full. 5 days later on Tuesday XX/XX/XXXX I received a NSF fee from my bank and asked what it was for so that I could ensure I paid whoever it was that was n't paid, they replied that it 's Spotloan. Later that day, today, I received an angry email from an employee at Spotloan stating " you promised to pay us back, why are n't you paying us back ''. When I logged into my account with Spotloan for the first time to check the balance and see if I could just pay the remaining balance off and be done with these crooks I saw the remaining balance is {$390.00}, they 've only applied {$6.00} of the {$600.00} I 've paid them to the principal. I can not imagine this is legal or allowed, my understanding is some of the payments were required to go to principal, and I would n't think that a fraction of a percent of each payment would be adequate to meet that requirement. I 've paid this loan back plus 50 % interest over the last 4 months, and apparently I have made no progress toward the balance, this is robbery.
Product: Checking or savings account

" Subject : Unresolved Account Closure and Unfair Fees with Huntington National Bank To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a complaint against Huntington National Bank regarding the prolonged and unsuccessful attempt to close my account. Despite my initial request on XX/XX/XXXX, the account remains open, and I have been charged undisclosed fees. 

After relocating outside the bank 's service area, I contacted Huntington National Bank to close my account. However, I was informed that the account was not successfully closed until I made a subsequent request two weeks later. A supervisor, XXXX, assured me that the account would be closed, but I continue to receive notifications of new fees and charges. 

I believe the bank has failed to honor my requests and is unfairly holding me accountable for these fees. I request your assistance in resolving this matter and ensuring that Huntington National Bank takes the necessary steps to close my account and waive the unjustified fees. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I purchased a service through my online banking with my bank of America using a XXXX  method I got a glitch saying it will post 24 hours to review the purchase. Then in 4 hours in got send .during those hours I tried to cancel the transactions an I couldn't cancel it.

Even though I purchase the service I didn't get the service so I automatically file a claim. The bank said to try to ask the services provider to refund me my money back an no answer .so I got scammed an fraud. I also tried file e regulations an they said that they can't file the e regulations because the account does not have funds.
Product: Checking or savings account

I have been wrongfully charged to my chase debit card more than {$2800.00} dollars worth of XXXX and XXXXXXXX XXXX charges that I have not done. On somedays there are more than XXXX XXXX charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number XXXX Fed Student Loan Account 150,000+ XX/XX/2019 and XX/XX/2019 show as 90 days and 120 days delinquent, respectively. I was not delinquent because I was working with them to get a new Income Driven Repayment plan, at their instruction. I spoke with a representative on XX/XX/2019 at approximately XXXX who said that she understood that there had been a mix up and that they would make sure that everything was cleared on my account and that I would be able to continue working towards a resolution for my Income Driven Repayment options. I was unaware of the incorrect reporting of 90 and 120 days until I checked my credit after I was told that XXXX had a breach and my information/SSN was a part of that breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account, dating back to 2018, has been reflecting on my credit report for five years, even though the full payment of {$1100.00} was made. Although XXXX XXXX XXXX assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days.
Product: Debt collection

Recieved a call regarding debt and being sent to collections for a debt I have not received any information on. Debt is apparently 10 days old and was contacted by a collection agency. 

No email, physical invoice, or details were provided in any way to let me know I needed to pay this. 

An auto collection was taken from my account 16 days prior for an invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 40 plus days in have not had a response. Under

the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof so iaccounts should be block and removed. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the
purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you Block and remove the following accounts and send me my updated consumer report.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I checked my credit report and noticed that there are accounts reporting that are inaccurate, incomplete, and unlawful. These accounts are reporting in a manner that violates the Fair Credit Reporting Act 15 usc 1681s-2b and 15 usc 1681b . I do not give XXXX, Equifax, or XXXX to publish any data furnished by 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

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and XXXX XXXX, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX is reporting an item on my credit report that is not mine. I have attached the following notices sent to XXXX, XXXX  and Transunion with regard to this item. I have also sent notice to XXXX XXXX XXXX XXXX and requested that the item they are reporting in my credit file is not mine. I am attaching the notices sent under Section 609 FCRA which REQUIRES XXXX XXXX XXXX XXXX or XXXX XXXX XXXX to provide specific documents under Section 609 FCRA and as of this complaint date XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with Section 609 FCRA. Additionally I submitted a fraudulent account notice to XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, however they continue to erroneously report this item on my credit report. My complaint against XXXX XXXX and Transunion is that although being noticed under Section 609 FCRA, Collectively XXXX XXXX and Transunion are not requiring as part of their investigation XXXX XXXX XXXX XXXX or XXXX XXXX XXXX  to comply with Section 609 FCRA. All of the above named parties are in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. I am asking for the CFPB to investigate my complaints and take the appropriate action under Section 609 FCRA. I am attaching a notice by the FTC regarding a lawsuit filed against XXXX for the exact same type of violations under Section 609 FCRA.
Product: Credit reporting or other personal consumer reports

This is my second complaint with CFPB for XXXX for reporting the incorrect status on a closed unsubsidized student loan. There is ABSOLUTELY NO WAY an account can be current to 90 days late in a month with no prior late payments. The student loan was opened on XX/XX/XXXX, and closed in XX/XX/XXXX by consolidation. XXXX continues to report 90 days late incorrect payment history, payment status, current payment status, and worst payment status for this closed account. The account should show all on-time payments and never late. The account number is XXXX. I have also attached screenshots of XXXX and Experian credit bureaus where the inaccuracies are being reported.
Product: Student loan

XXXX credit reporting service reduced my credit score by more than XXXX points in XX/XX/2015, dropping it from the high XXXX to the XXXX. My credit report states that I was XXXX days late paying a student loan from XXXX University from ACS. The monthly payment was XXXX. I used my XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. 

For some unknown reason the payments for XXXX month in XX/XX/2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. I believe there was a either a systemic IT failure in XXXX automatic payment system or a similar failure in ACS 's receipt system. My checking account balance was more than enough to make these payments. 

I was not contacted by XXXX University, XXXX, ACS, or XXXX about the deliquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past XXXX years. These missing payments from ACS are a clear abberation from this trend. 

Moreover, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to ACS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. 

I can only guess why loss any of the XXXX aforementioned organizations could have reported by account delinquent, but I suspect it was due to a systemic IT failure among XXXX of the involved parties. Neither of the XXXX other major credit reporting agencies noted the account as delinquent. 

The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment.
Product: Credit card or prepaid card

I returned two items to the XXXX store and XXXX got refunded onto my card this was on XX/XX/20 since its an unemployment prepaid Bank of America card az unemployment only allow them to load the card so the card got flagged for fraud Ive been calling everyday since XX/XX/20 verifying myself and saying its not fraud even going to a Bank of America branch on XX/XX/20 I was on the phone with the risk department and she didnt want to give the number to the bank manager so the bank mgr said to call her ok she never calls I call back and she noted in the account that she gave her a non working number which is a lie I just want to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a bill from XXXX XXXX XXXX, XXXX ( acct # XXXX ) for ambulance charges I was never billed for, date of service XX/XX/XXXX. I responded to them in writing on XX/XX/XXXX stating that all providers were paid by insurance and that the statute of limitations had expired. A disclosure on their statement : CA license # application pending. I submitted an online complaint to CA XXXX XXXX XXXX and received a response on XX/XX/XXXX that they would contact both XXXX XXXX and Experian, as I filed a dispute with them ( report # XXXX ). In the dispute to Experian, I explained why this was fraudulent and needed to be removed from my report. They closed my dispute with the remark In compliance with FCRA. The XXXX and XXXX to date have not reported, but an attorney advised me yesterday to let them know this week of dispute. My complaint is regarding both XXXX XXXX and Experian. 
Please note that I am XXXX  XXXX on XXXX and still undergoing treatment. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contact all three bureaus and advised that I was victim of identity theft and accounts need to be removed that I didn't apply for or use. Requesting that the remaining accounts need to be blocked and removed. FTC Report # : XXXX
Product: Vehicle loan or lease

Westlake Services repossessed a vehicle financed through there company. However the company is now showing on my credit report that they are owed {$7300.00} that much wasn't owed on the vehicle at the time it was repossessed.

Westlake Services has caused irreparable harm to myself and my family by using these illegal and immoral actions to harm my credit.
Product: Credit card or prepaid card

I recieved an offer to finance an automobile through Capital one. I have received these offers continuously for about 2 years now. In this same time period I have been DENIED a credit line increase multiple times. How can my credit be good enough to finance a car but not good enough to increase my credit line? Is it my age ( XXXX ) or Military status ( Veteran )? I really want to know.
Product: Payday loan, title loan, or personal loan

I did get a loan from the company I lost my job ... I told them I was unable to pay I did not draw any unemployment the company that fired me rehired me and then close the business down and I got to draw unemployment I'm 5 months behind on my house and many other other items such as cars and I told them that I would pay but they'd have to wait instead she served me papers and then kept harassing me with phone calls after the fact that she served me and I have to go to court even calling me and telling me if I would sign this that she would tell the judge but I would do repayment program I really don't know where the laws are but I feel that they have harassed being illegally threatened me with court
Product: Credit reporting, credit repair services, or other personal consumer reports

Your business partner XXXX XXXX credit card is reporting an inaccurate balance on my credit report, violating my rights under the fair credit reporting act. And negatively impacting me getting credit for future needs.