23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was on a payment plan with XXXX XXXX  that was covered by insurance. I submitted the paper work and they covered the monthly charges. My escrow company requested a pay-off amount and the check was sent to the wrong mailing address. In the process of trying to locate the payment more time passed. XXXX added an additional {$70.00} to the bill. That amount should have been covered by the insurance per the hardship agreement that was sent in. After the payoff was received that kept raising late fees even though I no longer used the card and sent the amount they said was the payoff amount. Now it's on my credit and I'm getting secondary emails from True Accord debt collection. This should be removed from my credit and shown as paid as agreed. They turned {$70.00} into {$260.00} debt on my credit report. I called to make sure the check was received and I'm still dealing with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not allow me to access my free credit report and I will not send personal information, like my SSN, through the mail to a company I do not trust.
Product: Credit card

The purchase package has shipping/delivery issue with merchant and merchant refused to refund. The bank company also refused to dispute charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XX/XX/XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XX/XX/XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XX/XX/XXXX) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2024 You violated the United States Code law ( TILA 15U.S. Code 1666 ( b ) so check this out recently I checked my credit report and noticed multiple billing errors- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be late payments on this account. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand that the items below all be updated to paid as agreed on my consumer reports. 
US Bank XXXX XXXX As a consumer by law this accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely XXXX XXXX
Product: Mortgage

Since XXXX XXXX, XXXX i entered into a fully executed contract and signed loan estimate with XXXXXXXX XXXX for a XXXX in XXXX, NY. Nearly 5 months later and i have n't heard a potential closing date. 

This delay has been inexplicable, costly and highly stressful to me, as the buyer, my family, my lawyer and even the seller. I 've made multiple attempts to move this application forward, but obtaining answers from the bank staff is very slow ( usual response is 10+ days ). In the last couple of months, most of my emails and calls to the bank rep have gone unanswered. 

My own research helped me understand the merger with XXXX XXXX XXXX and the transition of its residential mortgage lending, i 'm sure this is at the source of the delays with my loan. This bank 's internal turmoil on its residential mortgage is reflected in the unclear/repetitive document requests and lack of communication among bankers, loan officer, underwriter and bank attorney working with the same loan ( items have been requested more than once, an Addendum to the Contract was requested by underwriter on XXXX/XXXX/XXXX, 3 months after the contract was received, which leads me to believe improper review of my case ) at this point the appraisal expired and a re-certificate fee is being assess. 

My experience, demonstrates that Sterling is far from performing as a top regional bank in New York. My financial situation is more or less the same since i enrolled in the XXXX in XXXX, i demand an immediate resolution on this loan.
Product: Credit card or prepaid card

We went into the Ashley Home Furniture store in XXXX XXXX XXXX Arizona and was asked if we would like to see if we qualify for financing of the mattress that we had selected, and that it would only be a soft inquiry into our credit to see if we qualify, and then after, decide if we wished to proceed. We agreed for her to run our credit to see how much financing was available to us.The store associate ( XXXX XXXX entered our information into her system and said we were approved for {$1100.00}, to which we declined, and withdrew the application verbally, and clearly expressed that financing only a fraction of the mattress price was not the best option for us.. She explained she needed our signature as authorization to run our credit. She asked us only if we would like to " see '' what financing options were available to us. Nothing involved opening a credit line. Either way, we declined the offer that was advertised to us as a soft inquiry to check available options. We checked our credit and a hard inquiry is marked on our credit reports. There are now store credit card accounts opened in each of our names. I called XXXX Bank who provides the financing and spoke to a manager ( XXXX XXXX and he flat out said that the applications put in at the furniture store are submitted to qualify us to see if we are eligible for credit and then they just go ahead and start opening accounts. The store associate XXXX said that she was giving us the option of financing a purchase of the MATTRESS. Not signing us up for a store credit card after the mattress was agreed to be paid for with cash in full. Closing this line of credit will adversely affect our credit. Should we apply for a home mortgage, since the house we rent is being sold, and have to move, a derogatory comment could show on our credit excessive number of accounts open. This is why we clearly expressed to the store associate that it was not the best option for us and proceeded with declining the credit that was only offered to us verbatum as a soft inquiry to see if we wanted to go that route.
Product: Credit reporting or other personal consumer reports

On XXXX I noticed on my credit report that I had been reported by a company named Uplift Corporation I had a past due account. 
Ive never heard of or done business with this corporation. 
I called their number and was told they arrange for payments within the travel industry and I had rented a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XXXX and I had not paid the account. 
I did not rent a car from XXXX. 
I called XXXX XXXX XXXX and asked they confirm my rental. They could not. They said an expired credit card with my name was used for the account. They could not confirm that my Florida Drivers License was presented for the rental. 
The email used by the " renter '' was XXXX. This is not my email account. 
I notified Uplift and was told I had to file a police report to clear up this charge. 
I filed police report # XXXX on XXXX with the XXXX XXXX Florida police department. 
( see attached ) The officer spoke with XXXX XXXX XXXX security team in XXXX XXXX XXXX and after the discussion, XXXX said they could not confirm it was me and the billing should have never been sent to Uplift. 
I submitted the police report to Uplift on XXXX. I spoke with an Uplift supervisor to confirm they received the police report and they stated they had. After much discussion with Uplift, they agreed that the charge was not mine and they would resolve my credit report but it would take XXXX months! 
On XXXX, my credit reports stated the Uplift charge had been written off as a bad debt! 
Unbelievable. 
Due to this filing, my credit score went from XXXX to XXXX. 
Additionally, due to the erroneous filing by Uplift XXXX XXXX  XXXX XXXX cancelled by XXXX card.
Product: Credit card or prepaid card

I opened My American Express XXXX Surpass Card ending in XXXX on XX/XX/XXXX with a promotional offer of XXXX XXXX XXXX  points and one Free Night Certificate after {$4000.00} of qualifying spending ( image # 1 ). However during the first few weeks after completion of said requirement, I did not receive the bonus and a representative told me that system showed I did not reach {$4000.00}. They would later correct that I have " met the spending on XX/XX/XXXX '' and all it takes is for the 8-12 week to pass per terms and conditions. However that 12 weeks expired on XX/XX/XXXX and no bonus has showed up yet. 

I subsequently opened a case ( # XXXX ) with American Express on XX/XX/XXXX through online chat. They concluded their investigation on XX/XX/XXXX stating three of my transactions were person to person transactions and thus does not qualify me. That is fundamentally wrong because they were, processed through XXXX, a payment solution company, tuition payment to XXXX  XXXX XXXX XXXX and rent payment to XXXX XXXX XXXX, a property management company. None of them is remotely " person to person ''. This is easily evident in the statements and activities summary downloaded from Amex Website ( see below or pdf attached for complete description ). I have the transaction records from XXXX XXXX  XXXX XXXX XXXX or processing company if needed as well. 

I was not informed of this ( incorrect ) ruling through any of the mail address, emails of phones I have on record with Amex. This result only came to my knowledge when I asked about it today of XX/XX/XXXX. 

Three transactions claimed to not qualify : XX/XX/XXXX XXXX-TAX   https : XXXX {$1900.00} XX/XX/XXXX XXXX-RENT https : XXXX {$620.00} XX/XX/XXXX XXXX-TAX https : XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX 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

On XX/XX/2021 I wrote a dispute letter to Equifax regarding 4 accounts that is reporting on my credit profile that are inaccurate. 
1. XXXX XXXXXXXX XXXX which is reporting a debt of {$0.00}. 
2. XXXX which is reporting a debt in the amount of {$0.00}. 
3. XXXX XXXX XXXX XXXXXXXX XXXX which is reporting a debt of {$2500.00} 4.XXXX In the amount of {$0.00} I also wrote another letter on XX/XX/XXXX regarding the same problem still no response.Equifax has failed to provide me with verifiable proof that I ask for in my dispute letters. 
Please Help
Product: Student loan

On XX/XX/23 I applied to consolidate all of my direct loans and apply for the XXXX repayment plan through studentaid.gov On XX/XX/23 I am alerted my loans are consolidated, and I have been placed on the standard repayment plan, despite requesting an income based repayment plan. 

On XX/XX/23 I submit another IBR request application through XXXX. 

On XX/XX/23 I securely message Mohela asking for forbearance until my XXXX  plan is assessed. 

On XX/XX/23 I submit an additional XXXX request application through Mohela.
Product: Debt collection

Gurstel Law Firm sent summons and specifically requested I send response to them. I did so within the 20 days. Only to see that they went and got default judgement, but a couple of days later after I had called someone at the firm, I noticed they had filed a request to vacate judgement. Even though it was vacated, I feel like it was an intimidation tactic. That record, even though vacated is available on the internet.I 've tried calling several times but can't seem to get anyone.
Product: Credit reporting

On XX/XX/XXXX I sent a dispute letter to Equifax because I notice some negative information that is not correctly reporting on my credit file. Equifax responded by deleting the incorrect accounts and adding another negative account which is a Judgement. I went to the courts to get some information about this Judgement and the courts informed me that they do n't report to the credit bureaus so they do n't know where Equifax gets this information from. 
I sent a certified letter to Equifax XX/XX/XXXX to dispute the judgement and Equifax responded stating that their investigation is complete and the judgement is reporting correctly. I sent another certified letter to Equifax XX/XX/XXXX asking them to send the name, address and phone number of who they communicated with and a copy of the documentation they gathered that allowed them to come to the decision that whatever they are reporting is accurate. They Ignored me, I did not receive a response. So I sent another letter XX/XX/XXXX and still I did not get a response.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations. I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter. Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX  XXXX Update status on dates followed to current/paid as agreed or delete from consumer report immediately. 

Dates:XX/XX/24-XX/XX/24-XX/XX/24-/XX/XX/24 Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 SpeedyCash lend me {$600.00} and told me they will be taking XXXX from my account every month till when Im going to finish paying but to my suprise they have been taking {$160.00} from my bank account every two weeks since then and the loan balance still remain the same. I called them to complain but they said theres nothing to do about it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Prepaid card

On about XX/XX/year>, I purchased a PayPal prepaid debit card from XXXX. I loaded {$150.00} to the card. I called PayPal to try and activate the card, but they stated that I had a previous account with Netspend and that I owed {$1.00} to them before I could activate my new prepaid debit card. 

I agreed to pay the {$1.00} as several different reps confirmed that it was only a {$1.00} owed and I stated that they could take the {$1.00} owed from the new card that I had purchased, so that I'd be able to activate and use my new card. I was lied to on recorded calls by Netspend. I was told several times that it was only a {$1.00} and I even kept asking them were they sure that it was just a {$1.00}. Again, I agreed to pay that {$1.00}, but when I finally was able to activate the card, Netspend had taken all of my.money off of my card without my consent. 

In fact the previous, old account was about XXXX XXXX XXXX or so, but the issue is that they lied to me stating that I only owe {$1.00} so that they could manipulate me and take my money. 

If I wouldn't have agreed to paying the {$1.00} debt, they would've mailed me a check versus activating my card and taking all of my money. Netspend did wrong and what they did is illegal as far as I'm concerned. 

You don't tell me that my debt is {$1.00} so that you can manipulate me and lie to me just to take all of my money on my card. 

I want them to be held accountable and to return my money back to me, because they lied to me. I agreed to pay the {$1.00} that they stated that I owed, and nothing more or.less than that {$1.00}.
Product: Checking or savings account

Several unauthorized transactions on the XXXX of XXXX to XXXX totaling {$220.00}. Filed dispute with Capital One. Gave me the credits for the transactions, then denied my dispute, closed the case, and said they are taking the funds the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I shall begin by saying this is a cease and desist letter to the companies SELF FINANCIAL INC, XXXX, XXXX, AND XXXX. I am seeking Monetary Relief because my rights under the FCRA have been violated by Self Financial Inc ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ). This company has been reporting to all 3 credit bureaus that my account has been charged off however, they have been constantly harassing me via email to make a payment. Below I have attached proof of how the account is reporting on my credit report which is also accurate for the other bureaus and I've also attached proof of them emailing me today XX/XX/2023 saying that I owe a payment. I would like this account IMMEDIATELY deleted and removed from all 3 credit bureaus as this is a CLEAR violation of my rights. This corporation is trying to profit from the government as I assumed they filed a 1099C for this " debt '' and they are also trying to profit off of myself as a consumer since they are STILL asking me to make a payment. HORRIBLE HORRIBLE HORRIBLE and shame on them!!! I would also like to receive monetary relief from the 3 major credit bureaus as I have reported MULTIPLE times that this company has been violating my rights and all they have done was validate the account without any explanation as to HOW they validated it. I'm confused because I was under the impression that these credit bureaus have an obligation to the CONSUMER but it looks like they are working together with these major corporations to try and profit off of poor consumers as this account has cost me thousands of dollars in interest. I will take legal action if this account is not removed and deleted within 15 days off of all 3 of my credit reports as there is no excuse or explanation that can justify such violation!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated but how can this be true when there are 23 accounts with inaccurate information reporting? These inaccuracies are grounds for monetary reimbursement as well as removal as they violated my rights under the following : 15 U.S.C. 1681 section 602 A which states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 which states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took longer than 30 days to review and update the information on my report as requested in XX/XX/2022. Here are my certified mail tracking numbers Equifax : XXXX XXXX : XXXX XXXX  : XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX