23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I sent a l sent a debt validation letter to XXXX XXXX XXXX   requesting that they validate the alleged debt. I received an itemized billing statement which didn't verify the debt. I have included both the document that I sent and the document that was sent to me.
Product: Credit reporting

The name XXXX XXXX has been on my credit report for a long time and needs to be removed. I do n't know this name and have never used it. thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/2019 This company made a hard inquiry without my permission. I don't even have a loan from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
Accounts : XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX  OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a notice that my account is closing after I deposit a check that is under my Aunts name on XXXX XXXX from chase. I called but couldnt get through and emailed them multiple times and showed proof that my aunt gave me her check with showing her id to them. i finally able to get in contact with their agent and he told me to bring my aunt in to a bank to verify her. I was like okay but my aunt is old and we are in a middle of pandemic and chase lobby isnt open where Im living and its by appointsments only. Im busy so i let it slip and within the next 3 days they just completely shut my account down even though i have XXXX left in my account. Its been a month now and I still have not received my check or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if a collection account is not supposed to have a payment history inaccurate, or a past due amount inaccurate, also it show that the collection accounts are open inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 thirty days to complete my investigation here is my certified mail tracking # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX L XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX 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

After reviewing my credit report recently I dated I noticed that an account named XXXX XXXX has repaired on my report. I sent in a complaint on XX/XX/18 in regards to this company and the result was they agreed to remove. My original complaint stills stands I have submitted a request to have an account investigated and removed from my account from XXXX  XXXX. I have never done business with this company or taken out a student loan with this company. When I contacted the company and requested original loan documentation I never heard back from them. I then requested the account to be investigated and removed by the credit bureau and they responded with account verified. This account has never showed on my credit report as a active account by any creditor and now all of a sudden I have a collection account for now {$37000.00} from a company I never heard of. I would like this account removed from my credit immediately before legal action is taken. I pulled all of my financial college records and have verified that is not a loan that I have ever taken out. This is account is Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB isXX/XX/XXXX my SS# XXXX please update. i HAVE NEVER LIVED IN XXXX OHIO please delete remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX  , XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX , XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. Please forward me a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and transunion all used my information incorrectly
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered fraudlent accounts linked to my profile. These are not affiliated with me, and I never authorized them. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have reached out to XXXX XXXX XXXX XXXX and Mandarich Group and requested information in which I have not gotten a response. XXXX XXXX XXXX XXXX and Mandarich Group is in violation of my rights as a federally protected consumer.
Product: Mortgage

My mortgage payment for so long was $ XXXX. No written explanation. No escrow analysis sent, suddenly on XX/XX/XXXX payment was {$550.00}. Spoke to many Cust. Svc. said due to negative escrow of {$2100.00}. And said, if I pay this amt. my monthly pay would be {$180.00} just for principal and interest. I paid this amt of XXXX on XX/XX/XXXX. No adjustment was made. I faxed a letter and spoke to Escrow Dept said since I paid on XX/XX/XXXX calculations has been done. Reply to my fax came with no straight answers from Bank of America Escrow Dept. Sent them fax again, but did not answer my queries and one month has passed and XXXX is almost gone. I saw my payment this XX/XX/XXXX will be XXXX. Where is their word : that if I pay my negative escrow of {$2100.00}, my monthly mortgage payment will only be based on Principal and Interest in the amount of $ XXXX. 

I am a XXXX XXXX, to better understand them, I was asking them on my previous fax to give me detail escrow payment, detail calculations of payment, but have not receive any. Please help me. Thank you..
Product: Money transfer, virtual currency, or money service

There an issue with a chargeback on a purchase I made around XXXX of XXXX, their system was showing buys as " rejected '' even though the ACH transfer was not rejected. A few days later I came to realize Binance.US submitted about five transfers, I did request each transfer because it kept showing " rejected '', I do have screenshots of this. 

Anyhow, support was slow to respond and their system was unable to take a deposit for about {$950.00} for the chargeback. A couple months later the {$950.00} was paid back with the sale of about XXXX HBAR in virtual currency. 

During this time my account had trading disabled. Being disabled means I can not access my funds, they are being held hostage and I have no recourse because they rarely respond. The moment the {$950.00} was paid back is the moment my account should have been enabled again. 

Months and months of emailing them without a reply. I opened a new ticket on XX/XX/XXXX and did not get a reply until I started posting my experience on XXXX, they have since blocked me because they don't want people aware of what they are doing and how they hold funds hostage. 

On XX/XX/XXXX Binance.US support sent me email stating my account was enabled again on the XXXX and for me to verify this is the case. I checked it out only to learn the same issue remains. 

I also sent them an email because I tried to deposit {$10.00} just to test and I let them know, at this point they kept asking that I send them bank statements and a video even though the issue has nothing to do with making a deposit. I don't care about making deposits, I care about having control over the value of my account which had a value of over {$42000.00} on the XXXX. As of this moment the value dropped to about {$33000.00}. 

Even though they had no need for a video or bank statements I sent them anyhow, seven days ago and I am still locked out of my funds. They have not even replied to the emails that had the requested video and docs attached. Seems like they are stalling and from what I gather there are many they do this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2020 until the current date of XX/XX/2020... Experian, XXXX and XXXX have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT U S DEPT OF ED/GSL/ATL 33 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$8600.00} Balance updated XX/XX/XXXX Original balance {$8400.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary 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 PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance {$8400.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX , IA XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
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 name : 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  has violated my rights. 

I looked at my transunion credit report on XX/XX/year> 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) In generalIf, 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 of the consumer.
Product: Credit reporting or other personal consumer reports

My account with this XXXXXXXX XXXX XXXXXXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports.
Product: Credit reporting

I have disputed this with XXXX, XXXX and Trans Union several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.
Product: Mortgage

Mortgage Back Securities Fraud from XXXX XXXX TO ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  all are guiding of securities fraud, mortgage and deed and assignment of mortgage and pooling fraud.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX I ; Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I consolidated my loans with the explicit purpose to receive the benefits of the SAVE plan. After the consolidation, through no fault of my own, the terms of the save plan were judicially altered, such that the terms of the consolidation loan I consented to were in question. But for the benefits of the save plan, I would not have consolidated. The consolidation prevents the most cost effective manner of payment and accelerates the interest owed. The daily interest on 12 individual loans compounds differently than the consolidated loan. The financial institution that holds my note has been given an unfair advantage by changing the terms and conditions of the consolidated loan well after the time in which I would be allowed to revert to separate loans ( within ten days of consolidation ). 

In XXXX of 2024 I had many separate loans. Some of those loans qualified for SAVE. Some did not. I read the details for consolidation and terms and conditions to qualify for the SAVE plan. I made the very hard discission to consolidate after multiple conversations with XXXX XXXX and Student Aid. Gov. I was explicitly told and all of the documentation instructed that the only way to have my loans all gain the benefits of the SAVE plan was to Consolidate. And so, I consolidated. I did this timely in order to receive the benefits of the SAVE plan. Months after this consolidation, the terms and conditions of my repayment was altered without any default or error on my part. 

This violates my right to choose how I engage with financial services. In this case, the federal government, president and courts many miles away very strong powerful enities acted to obviate my prior rights and void my ability to consolidate with an understanding of terms and conditions of the financial services. I am aware that many more actors and powerful factors are moving against my interests. THe CFPB is around to protect the informed consent of a borrower and even the field where financial institutions place an individula at an unfair advantage, moving the goal post for borrowers. XXXX will benefit from this false inducement by collecting nearly {$700.00} more than they were entitled to before my consolidation, which erases my disposable income altogether. 

HELP please
Product: Consumer Loan

I am a Drive Time customer. They have repeatedly called me as soon as your one day late. One call is enough. In this case I have a XXXX year old car that has taking {$5000.00} dollars in repair which the warranty does not seem to cover any thing that goes wrong with it. They make you get this warranty with no option to say no. So thats added to the price of the car.So to keep car on the road so I can get to work. I pay through the roof to get car fixed. Then I dont have the funds for the payment on time. So the calls keep coming from XXXX eastern time to XXXX eastern time. Unfortunately this is the second car I have had with them since 2008. They did the same thing with first car. I could not get traditional loan from A lenders. Basically forced in to this cycle of XXXX again.
Product: Credit card or prepaid card

In the month of XXXX, I paid my monthly dues for my credit card with Self. They took out additional three Payments of {$36.00} dollars. I asked for it to be refunded or be accredited to my account. They refused to do so. They also took my credit score down 14 points actually my score should be XXXX by now I have paid on time. I sent proof from my bank statement the still refused to correct their mistake.
Product: Credit reporting or other personal consumer reports

Equifax has placed an internal " block '' on my credit report. It is negatively affecting my credit lines with my creditors. 6 months ago, I requested them to correct the information. I mailed the requested documentation. No confirmation, no receipt was received from them. 

I launched a new dispute, because of the inaccurate address listed on my account and used their online portal to submit the documentation - the same requested in the previous dispute. They reviewed and accepted that change, but have not removed the " internal block '' on my account. 

I was told that the reason why I received no confirmation or receipt was because I did not include the Postal Code extension XXXX XXXX XXXX on the mailing address for Equifax, Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, which is the mailing address included in their dispute request form. In addition, I did not include a " cover letter '', which is nowhere in their dispute request form. They are intentionally nebulous with their prescription for remedying this situation. 

I have been fighting with them for 6 months - over 15 phone calls and 2 packages including the most sensitive information : social security card and drivers license - and absolutely NO ONE has been able to correct this issue. I have been hung up on, " transferred to tech support '' - which doesn't exist, I have been placed on indefinite holds so that I would hang up and not complete the survey for the representative. They are intentionally vague and unhelpful.
Product: Credit card

My mother died. I informed XXXX XXXX. They immediately turned the account over to collection and closed all access to her account. I have repeatedly sought her final bill. Now I have a letter from the the collection agency that there are over {$110.00} in fees. I have contacted the collection agency multiple times and they have been unable to provide the information. A call to XXXX is auto routed to the collection agency. Get me the bill so I know what is owed and if it is accurate and if it should be paid. And how can you charge a dead person fees?