23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it is said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said that you have 30 days to complete this investigation. Please Investigate the following accounts and remove them if anything is missing or incorrect on them. 

I demand the following accounts to be verified or removed immediately. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX ( {$670.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$0.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX ( {$1200.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$960.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$650.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing in response to your inquiry regarding the disputed items on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have provided evidence that I properly disputed these items with the credit reporting agencies ( CRAs ) and/or data furnishers. Last attempt was mailed on 10/31/2024. The FCRA establishes specific obligations for CRAs and data furnishers when a consumer disputes information in their credit report, including : Section 611 ( a ) ( 1 ) ( A ) : CRAs must conduct a reasonable investigation into disputed information upon notification of the dispute.

Section 623 ( b ) ( 1 ) : Data furnishers are required to investigate disputed information promptly and report the results of the investigation to the CRA and, if inaccurate, correct or delete the information. I will attach what I received below and this information will include documentation that demonstrate : The dates on which I initiated disputes with the CRAs and/or data furnishers. 
The disputed items in question, including the details provided to the CRAs. 
Confirmation of receipt of my disputes by the CRAs and/or data furnishers, where applicable. Given the evidence provided : I request that the CFPB ensures the CRAs and/or data furnishers comply with their obligations under the FCRA. 
If the disputed items remain unverified or unresolved, I request that the inaccurate or unverifiable information be removed from my credit report as required under Section 611 ( a ) ( 5 ) ( A ). 
Thank you so much for your time XXXX XXXX XXXX XXXX ) XXXX XXXX
Product: Credit card or prepaid card

there was a charge {$25.00} for XXXX that i made on my account on XX/XX/2020 and this charge is Valid not Fraud the dispute was open by mistake and never shouldve been open. 

this charge was made by XXXX XXXX XXXX and its not fraudulent please cancel dispute i contacted capital one fraud department and unfortunately they are unable to cancel this dispute for this payment
Product: Checking or savings account

Failure by Ally Bank to comply with my mother 's Power of Attorney. They are intentionally blocking access to all bank accounts and unnecessarily delaying funds from being managed. 

Despite numerous promises that a representative would call me, no one ever has. 

I always initiated all contact only to get non-specific timelines and kept on lenghty holds just to receive no answers. I don't even know if they ever plan on providing access. 

Other than initial email confirmation that they received my POA and other supporting documents, there was no further communication from them. 

Their initial email stated a 5-7 business day response, but that deadline has since past. 

Their non-compliance is costing money in lost interest by deterring me from moving funds to other higher paying financial institutions. 

This maybe the reason they are blocking access to the accounts. They know I intend to close them.
Product: Mortgage

I requested a copy of my amortization schedule for my home mortgage.The reason for this request is that I have been paying an extra amount that is applied to my mortgage principal on a monthly basis for the past XXXX years. I was told by an agent at sls, Employee # XXXX.That SLS can not provide me an amortization schedule, that has been updated But they can not and will not send me a copy of the original amortization schedule
Product: Credit reporting or other personal consumer reports

To my utter disbelief, I found incorrect accounts on my credit report this evening, and I have no clue why. I check my credit report often, and this was the first time I've seen anything so unexpected. I thought it might just be a browser issue, so I refreshed it, but nothing changedthe false accounts stayed there. I'm now requesting that the documents Ive submitted be carefully examined so I can finally have peace of mind and not deal with this again.
Product: Debt collection

The debt was from XXXX regarding equipment allegedly not returned. I spoke with XXXX directly and they do not show any debt with them. 
My collection account keeps getting sold from XXXX collection company to the next.
Product: Mortgage

i have made several attempts to come to a reasonable resolution with US Bank. My forbersance ended XX/XX/2021. i have expressed that i am still in a COVID -19 hardship and my mother passed away so i am a XXXX XXXX to my Father. Also i myself contracted XXXX XXXX at my work place and have been diagnosed as a XXXX XXXX. Not to mention i am XXXX employee, which all XXXX  employee had to take a 10 % pay deduction due COVID -19. i have submitted all my pay stubs, proof of hardship, letter of explanation however the always deny my documents or state there is something missing. I true believe they are try to take my home from me by delaying my application. I have always made several payment throughout my forbearance, which never reflects my total amount owed to the loan. I believe US Bank is initially trying to foreclose on my home due to the amount of equity i have in it. To my understanding the government gave many banks ( US BANK included ) money to help homeowners keep their home and catch their mortgage loans up to date. Someone please expose these banks. 
.
Product: Student loan

Had subizied and unsubsizied loans of about {$33000.00} total from XXXX and XXXX XXXX. When graduated from XXXX, couldnt afford payments and Navient was my loan servicer at time. The only option they gave me was deferment and forberance for many years. While accumulating interest rates. When i was out of those options they informed me to switch to another provider to get an income based plan. Which would be federal loans. I swtiched and have an additional XXXX dollars in interest. I was not given an option of ibr plan through Navient. During the forberance time, I decided to go to XXXX XXXX for XXXX. Better job to help pay back the debt. These loans/interest have been a thorn on my side for years. Help. I owe currently about {$420000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX 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
Product: Credit card or prepaid card

CREDIT FROM CHASE IS SUPPOSED TO BE IN THE FORM OF A CHECK SENT DIRECTLY TO ME SINCE I SPECIFICALLY TOLD THEM IN MY PREVIOUS COMPLAINT THROUGH THIS FORUM THAT I WILL NEVER BE USING THAT CARD AGAIN!!!! CREDIT ON A CARD I WILL NEVER USE AGAIN IS COMPLETELY USELESS TO ME!!!! UNACCEPTABLE CUSTOMER SERVICE!!!! 

RESPONSE TO PREVIOUS COMPLAINT WAS SUPPOSED TO BE SENT BACK TO CHASE BUT APPARENTLY NEVER WAS!!!!
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting

My dispute is over the fact that my husband and I owe to the same creditors. Payment history is the same. His FICO score is XXXX points more than mine. 
Trans Union - reporting that I owe XXXX mortgages on our house XXXX - Reporting my house is a business. 
XXXX - His FICO score is XXXX points more than mine.
Product: Credit card

From XXXX I had a AAA Financial XXXX Card issued by Bank of America. In XXXX XXXX, I called to notify them I wanted to close the account and was told the account balance was {$3900.00}. I made a payment in that amount and considered the account closed. After sending the {$3900.00} payment, a late fee of {$35.00} and {$9.00} of interest was charged to that account. At some point thereafter, Bank of America put my account into charge-off status and put negative information on my credit report. I did not realize that until XXXX of XXXX and called to complain/request that be cleared up and corrected. I was told over the phone that it was an error and could be cleared up. I thought the matter was settled. Nope. I received a letter stating that i owed them the now {$56.00} and to pay it. Disgusted with the situation I ignored the issue. XXXX I noticed my credit report showing derogatory language concerning this account as BAD DEBT BAD DEBT BAD DEBT. I called in to B of A to complain and ask that this issue be removed and corrected. On XXXX/XXXX/XXXX I spoke to XXXX XXXX XXXX who said he could see the issue and how it came to be. He spoke to his supervisor and after that consult I was told that the fees/charges would be waived and the chargeoff be removed from my credit report. 1 week later I received another letter stating that I owed them {$56.00} and to pay it. On XXXX/XXXX/XXXX I spent 2 hours disputing this charge, and discussing my continued hassle and frustration with this issue. I was told once again that this was a valid charge and needed payment. Disgusted and angry, I paid the {$56.00} and informed them I would be closing all my other accounts with bank of america and refinancing a home mortgage they hold. 

Thanks for listening thus far. It is very frustration to deal with an entity like BofA and have them smear my credit report through no fault of mine. I have about XXXX accounts in good standing on my credit report, this was the only negative entry and was over {$56.00}. Bank of america has my phone number, then and now, I 've had the same number last 9 years and not 1 phone call to me on their part. I did over {$87000.00} in business with them last year alone. I refuse to accept being treated this way by any financial institution. 

I am attempting to dispute this issue with the XXXX credit reporting agencies. Please let me know if there is anything you or I can do furthermore to counter this situation and repair the tarnishing of my credit report. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a loan with PHH Mortgage since XXXX when we got our house. Since then, we enrolled into their program called XXXX, where my payments are taken twice a month ( half of the amount on the XXXX, half of the amount on/around XXXX of the month ). I got a notice today ( XX/XX/XXXX ) on my email that my loan was overdue for more than 39 days. I have not revoked nor made any updates to the XXXX XXXX. I got enrolled into this program strictly to not worry about making payments or going default on my loan. PHH Mortgage is not an easy company to work with. They seem to be disorganized and not have efficient controls in place to ensure ACH requests occur as designed. I have automated payments so I dont have to keep worrying about manually making payments and confirming they are occurring. My bank would be the first to let me know if something is wrong such as no money in the account to satisfy the ACH. This is very unsettling. I called them today and the first thing they did was attempt to collect payment for over {$3000.00}!!! Then they apologized and said the amount was for both XXXX and XXXX. They said they would need to research to see why ACH is not working. They are probably doing this to other customers and initiating foreclosure on customers for no fault other than their own inefficiency.
Product: Student loan

I can not believe that Wells Fargo has made such a huge error and reported me late on XXXX 2015 when I made a payment. This brings me to question and dispute all the late payments they are disputing and I wonder how many times I made a payment and they still reported me late. This is not fair and for someone who is trying to get caught up on this student loans and do the right thing, I ca n't seem to get ahead because of the blatant error made by Wells Fargo. I am in the process of applying for a mortgage and this is now delaying the entire process.
Product: Credit card

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX, disrupting my XXXX  and XXXX XXXX XXXX. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find incorrect accounts on my credit report. I review my credit often, and everythings been in orderuntil now. I thought maybe it was a browser error, so I refreshed the page, but nothing changed ; the inaccuracies were still there. This whole experience has been distressing, and Im requesting a thorough check of my documents so I can have peace of mind moving forward.
Product: Checking or savings account

incident date : XX/XX/2023 Bank of America. XXXX Amount : {$2000.00} I found out that there were 2 unauthorized transaction via XXXX in Bank of America. 
Total amount was {$2000.00}. The money was sent to XXXX I never had a transaction history with this recipient.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The accounts listed below have been compromised or fraudulently opened as a result of the breach : Accounts to be blocked and deleted : XXXX. XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$340.00} XXXX. XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1100.00} XXXX. XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$100.00} XXXX. XXXX XXXX  Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$530.00} XXXX. XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$370.00} XXXX. XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX Inquiries related to the above accounts : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX VIA DEALER Date : XX/XX/XXXX
Product: Mortgage

SPS, INC refuses to provide sufficient proof of the debt in which they state is owed for mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) Under complaint XXXX SPS states they are unable to provide an amortization schedule. SPS, Inc also states that they provided transaction history from the previous serviced XXXX XXXX. The documents enclosed by SPS, Inc from XXXX XXXX XXXX under complaint response XXXX do not detail the terms of the modification, nor a breakdown of how the modification accounting was determined. No amortization schedule was enclosed with the mortgage loan modifictions. Under the Fair Credit Reporting Act, the debtor shall provide sufficient evidence that the debt is owed by validation as well as a full accounting of debt to justify the amount the debtor claims is owed by debtee. 
All of the mortgage services before SPS, Inc and including SPS, Inc are in violation of The Truth in Lending Act ( TILA ) of 1968 -It requires disclosures about the terms and cost of loans to standardize how borrowing costs are calculated and disclosed.

All services are also in violation of US Code 1681-1681y section 623 ( a ) ( 2 ) of the federal fair credit reporting act.

SPS, Inc is in violation of Fair Credit Reporting Act 15 USC 1681s-2 section 623 ( a ) ( 2 ).

All information provided by SPS Inc regarding the mortgage loan XXXX is based on insufficient evidence. The amount in which the debtor states is owed has not been validated.
Product: Debt collection

l am submitting this complaint regarding an unfair debt collection attempt by Aldous & Associates related to a gym membership at XXXX XXXX. I initially signed up out of curiosity but was never truly interested in the membership. I never visited the gym or used any services, and I forgot to cancel it. 

Recently, Aldous & Associates contacted me, demanding full payment for the membership. I just spoke with them on the phone, and they are refusing to cancel it or offer any resolution. They are insisting that I pay the full amount, even though I do not work and my only source of income is SSXXXX.

I attempted to explain my situation to Aldous & Associates, but they responded dismissively, saying, Im sorry you dont work, but we wont cancel it, so you still have to pay. I made it clear that I refuse to pay for something I never used and informed them that I would be filing a complaint. After that, I ended the call. 

After researching Aldous & Associates, I discovered numerous complaints against them on the Better Business Bureau website, which raises further concerns about their collection practices. 

I believe it is unfair to be forced to pay for a service I never used. This collection attempt is causing me financial distress, and I am requesting CFPBs assistance in disputing this charge and preventing further collection attempts.
Product: Debt collection

This happened in XXXX XXXX. I moved out from the apartment early. The lease term suppose to end at XX/XX/XXXX. But XXXX XXXX Manager XXXX XXXX and I made agreement, we both agreed that no fee will be charged. So I moved out on XXXX XXXX. I never received any letter or notice until XX/XX/XXXX, the Quantum collection agent reached out to me, saying I have outstanding balance in 2 separate accounts, one owes {$940.00} in total, another one owes {$790.00}, total of {$1700.00}, however there is {$810.00} in total of cleaning fee and other fees that XXXX XXXX did not have invoice or any evidence of their spending can prove that I own that. And the rest portion of {$920.00} is move in allowance charge back. However I believe that I should not owe {$920.00} of charge back as well because we made orally agreement that they will not charge me for moving out which now I do not have prove of. Now, not only I cant take my security deposit {$1000.00} back, but they also try to charge me even more with those none sense charge. So I offered that I am okay to settle a payment with them, if I really owe those amount, I will pay. And when I talk to the collection agent lady about the Apt does not have invoice, so I should not be charged for cleaning fee plus other fee, and then the collection lady ask me to find prove that I did not owe that ... I dont even know if this is even legal, can they really charge somebody when they don't have any prove or invoice of?? I think this is not legal and ridiculous, and does not make any sense. I hope someone could help me out. They have not reported this to credit bureau yet, because nothing was showed on my report. And they did offer if I pay in full now, they will not report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report and there was a charge off from XXXX XXXX. 

Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a Consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report if a social security card was used in the transaction.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.