23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Select Portfolio Services ( SPS ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/XXXX, SPS stated, " Lenders Placed Insurance In your inquiry, you question SPS adding Lender Placed Insurance ( LPI ) to the account. SPS does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from SPS dated XX/XX/XXXX and received XX/XX/XXXX, SPS states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to SPS they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. SPS continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBP 's recent administrative proceedings against them for similar violations. I request that the CFBP take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate : 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, and XXXX XXXX XXXX
Product: Vehicle loan or lease

Subject Chase Bank Right to Cure Letter I recently contacted customer service on XX/XX/XXXX regarding my auto loan account. I was informed that a right-to-cure letter has been sent, indicating a requirement to pay both the XX/XX/XXXX and XXXX XXXX  payments, totaling {$1500.00}, by XX/XX/XXXX. As of my call date, XX/XX/XXXX, I was informed that my account was 24 days late. 

I am seeking clarification on the discrepancy in the time frame provided for payment after the XXXX  of XX/XX/XXXX. Why I was given four days to settle the outstanding amount, and I would appreciate more insight into this matter on if this is legal. 

To provide context, I made a payment of {$710.00} on XXXX and arranged to make the remaining XXXX  payment of {$710.00} on XXXX 

During the conversation, I was also asked about the reasons for the late payments. I openly admitted that we pay late and are aware of the associated higher interest rates. 

I seek clarification on the calculation of the days past due and an explanation for the seemingly disproportionate impact on my account. Additionally, I am interested in understanding the basis for the right to cure an account 35 days late. 

I appreciate your prompt attention to this matter and look forward to receiving clarification and resolution regarding my concerns. Thank you for your understanding and cooperation.
Product: Credit card

Capital One continues to claim that I opened this account when in fact I have not.
Product: Credit card or prepaid card

Hi, I called to obtain available retention offers for my Citi AAdvantage credit card and the representative inadvertently closed my account. She misheard my request to listen to retention offers as an authorization to close my account. She did not ask for confirmation to close my account and admitted fault after submitting the closing request. 

Representative name : XXXX XXXX tracking number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-I reported to XXXX that the only address that should be showing on my credit report should be XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and XXXX should be the only phone number.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to LEXISNEXIS. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for 5 years for the permissible permission from me that allowed Experian to give my private information to XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2017. Experian continues to decline while suggesting I am asking about an inquiry which I know doesnt exist on my credit report. It doesn't exist because it was more than 5 years ago and the permission doesnt exist because I never gave permission. This unlawful inquiry led to a fraudulent loan.
Product: Credit card

On XX/XX/2024, I applied for a American Express Gold Card. I was declined. 
REF NUMBER : XXXX. I went on online to AmericanExpress.com. to view the full decision details numerous times : I kept receiving " We '' re Sorry '' ; Our systems are currently updating : please check back on this site in 24 hours.
Product: Student loan

I am being held liable for a loan serviced by Chase Private Education Loan Department in error. The loans were apart of identity theft. The two loans consist of : Account # XXXX for {$9300.00} ( Originally taken out : XX/XX/year> ) and Account # XXXX for {$4100.00} ( Originally taken out. Both loans are being held by XXXX. When speaking to XXXX they advised me to call Chase to dispute the loan, but the Chase is not on my credit report to dispute. In addition, when reaching out to Chase bank, I was told they do not have any recollection of the loans and the Private Education Loan Department has been dissolved, so I am unable to determine the validity of this debt.
Product: Credit reporting or other personal consumer reports

XXXX CARD SERVICES derogatory trade. 

Violation of Fair Credit reporting act 15 USC 1681 section 602, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. This is backed by 15 USC 6801 which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it verbal, no non verbal, written or implied may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting without my permission. They are acting in violation of the law. Further 12 CFR 1016.7 states that a consumer has the right to opt out at any time. I am opting out officially and lawfully on the record.
Product: Debt collection

someone has stolen my identity and opened up this fraudulent account with your company and you have still tried to collect on it and report to the credit bureaus ... this account is totally fraudulent and needs to be handled immediately
Product: Mortgage

This company is absolutely lying. I have several pieces of proof that I have complied. In fact their own agent has confirmed that indeed he was here several months ago and collected my signed document which his company photographs and sends to them. He recalled vividly that the same thing happened last year and the year before. When he was here I showed him proof of me taking pictures of the documents when I was at the post office. But I agreed to sign again. Sure enough, he was just at my door again on XXXX XXXX fo the same thing again. He recalled again that he was here. This has been going on yearly. I received four such documents with the threat of foreclosing my home. I intend to file criminal harassment charges against them It is beyond cruel that I must receive these constant threats. I have been advised by my local police department that since I have substantial proof that I have been enduring this yearly and actually have this gentleman showing up at my door fo the same this constitutes harassment. I am still being verbally abused by their callers. 

THIS MATTER SHOULD BE MARKED AS CLOSED. WHERE IS THE PROTECTION FROM THIS ROGUE BULLY COMPANY HARASSING ME AND OTHERS? I WILL AT A LATER TIME PROVIDE PROOF THAT THIS IS COMMON PRACTICE FOR PHH
Product: Debt collection

Aldous & Associates ( " Aldous '' ) has repeatedly taken steps to ruin my and my partner 's respective credit while the alleged underlying debt is disputed ( it would appear that Aldous suggests the disputed account was joint, and thus it decided to attack both of us ). In fact, we want to report our belief that Aldous violated 15 U.S. Code 1681s2 ( and other consumer protection applicable law ) in their blatant disregard for consumer rights and handling of this issue.Aldous has continually ruined our respective credit by reporting the disputed debt as delinquent when they knew or had reason to believe that their information was inaccurate. Once we became aware of Aldous, we respectfully and painstakingly informed them that the debt was not ours, and asked for additional information both electronically and telephonically. We even had an attorneycall Aldous to fact-gather. Aldous has blatantly and systematically ignored all of our requests and statements regarding the inapplicability of the alleged account. Instead, Aldous decided to take the predatory route in attacking our respective credit reports ( which some might consider, as performed here, financial XXXX  ) before providing us with information and addressing our information that the account underlying is disputed. 
Overall, the alleged bill is based on services that were not rendered. As our credit reports show, we pay our debts. We refrained from paying this alleged bill because we needed further information from Aldous, which it decided it simply did not want to provide us ( and because we do not owe thealleged figure. Again, we always pay our debts as history shows ; this is a matter of right and wrong. We will not pay something that is not owed. And, we are disappointed that an entity which holds itself out as being a law firm ( Aldous ) would adopt such scofflaw practices in clear disregard to well established U.S. consumer protection principles and rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud threw my identity being stolen it is reported by the irs i have a code i use to file taxes because of the identity fraud also i had my info breached threw XXXX, & my info is on the XXXX web, i have multiple UNAUTHERIZED accounts & inquiries must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the XXXX  data breach & i have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX Report Number XXXX Transunion File Number:XXXX XXXX File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Mortgage

We paid off our mortgage on X/XX/2017 and the lien has still not been released. {$210000.00} was wired to XXXX XXXX from XXXX XXXX on that date. We have notification that the payment was received. We have called the people at XXXX XXXX numerous times and they 've assured us that they were working on the problem. All promise-no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXXXXXX XXXXs 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I sent a letter on XX/XX/2018 requesting that valadation of said account to be proven in order to collect a debt. The company response didnt not include proof of Validation.
Product: Checking or savings account

I have a XXXX XXXX  with Synchrony Bank and matured on this XX/XX/2024, The total amount on the CD is {$110000.00}. On the maturate day, I called the bank and asked to 1 ) close my account and 2 ) allow the fund to be transferred to another bank ( XXXX Bank ). On the following day, this sum of money showed up on my new account at XXXX bank. I thought that the money transferal was successful. 

However, after about XXXX weeks I received XXXX bank statements on the same day. XXXX is from the XXXX bank, the statement shows that my new account was funded on XX/XX/2024, and the APY is 5.8 %, while this fund was withdrawn on XX/XX/2024. The second one is from the Synchrony bank shows that my CD has renewed for another XXXX CD with an APY 4.00 %. 

I called the Synchrony bank and asked 1 ) why they didn't close my account, 2 ) why they withdrew the fund from the XXXX bank without my authority or permission, and XXXX ) to release my money immediately because I don't need their XXXX XXXX. Finally, I reached a supervisor or manager and she agreed to have an internal call review. After the call review time, I called them and I was told that they were not wrong and refused to release my money or ask me to pay a penalty ( ~ {$5500.00} ) if I wanted my money back. I requested them to send me a report on their call review. They refused.
Product: Debt collection

I request the removal of the CBE GROUP collection account from my credit report, as the original creditor, XXXX XXXX, transferred my account to a collection agency without providing proper notification. This action constitutes a clear violation of my rights. Kindly review the attached letter at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following to updated or deleted in my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy
Product: Debt collection

They are calling 2-4 times in an hour. They will call from the same number twice, then call from other lines. I have told them over the phone this number is a work number and I can not receive so many calls.
Product: Checking or savings account

Hello CFPB This is regarding the targeted promo from Citi Bank '' EARN UP TO XXXX AAdvantage bonus miles with Citi checking account ''. 

I opened my checking account with Citi through the XXXX card portal for the targeted promo on XXXX XXXX did the debit card purchases required for the promotion on XX/XX/XXXX totaling over XXXX $ XXXX also had my enhanced direct deposits requirements done since XX/XX/XXXX ( XXXX direct deposits totalling over XXXX $ ). 
Citi 's terms and agreement states that the XXXX bonus should be XXXX days after completion of the requirements ( 30 days after XX/XX/XXXX ) .I called Citi and got confirmation from them that I met the requirements ; and that I should receive the bonus no later than XX/XX/XXXX. 
Since I did not receive the bonus by XX/XX/XXXX, I called again, now they said that the bonus should be credited 90 days after completion of the requirements. The discrepancyand the difference from what is actually written in their XXXX & XXXX and that phone call was baffelling.I honestly believe this constitutes false advertising and ask your bureau to look deeply into this matter. I have checked online and there are so many people that are facing the same issue. Citi should honor their terms and conditions and provide everyone who met the requirements of the bonus to what they deserve ( I clearly have met the XXXX threshold ). 
I really hope you can help us close this issue. 
Thanks B
Product: Mortgage

I went to the mortgage company website on XX/XX/2023 to make a one-time principal payment ( {$7200.00} ). When they processed my payment, they took out interest. I had already made my monthly payment on XX/XX/2023. I tried to rectify this with the mortgage company. They initially said wait 24 hours for the correction to their error. I did wait 24 hours and now they're they are telling me 3-5 more business days. That unacceptable. They already have my money ; they mis-applied the payment. That not a XXXX day fix.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is over XXXX months behind reporting my updated account balance to the credit bureaus.
Product: Credit card

Below is a copy of the letter mailed to this trustee 3 weeks ago. 

SYNCB/PPC\XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2024 Effective immediately and indefinitely, per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 U.S. Code 6802. 


Respectfully Without Prejudice, XXXX : XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I called Citibank/Visa- Costco to inquire of their credit card protection plan. After being told that I could enroll in the program, I was transferred to another dept and was placed on hold for at least 20 min. When a person, " XXXX '', came back on the phone, I was told I can not enroll because '' they are not giving coverage any longer '', and he didn't know why. I asked to speak to a supervisor, and again was placed on hold for a very long time. XXXX '' from " XXXX XXXX '' finally came on the phone and proceeded to inform me that they, " Citibank/Visa '', had stopped offering credit card protection since XX/XX/XXXX. She said that " no reason was given '' she believed it could've been due to the " news media, complaints '', or just didn't know why. I then was transferred back to customer service dept. and asked to file a complaint against these practices. I was told that I would not be able to receive any follow up for the complaint from customer service. I explained to them that I am currently enrolled in a debt consolidation program ( including Citibank/Visa-Costco ) and needed to have some kind of credit card protection plan in place. I was told that in order to talk to their " client focus team '', I first needed to cancel my arrangement with the debt consolidation program and that I did not qualify at this time to speak to the " Hardship '' dept. 
I had also filed a consumer complaint/dispute against " XXXX '', XXXX, CA in XXXX XXXX, in regarding a " forced '' or " coerced '' purchase for {$4700.00} on my card that I did not want to make with this company/store. I filed the complaint over the phone with the customer service center. They sent me written documents informing me that I only had 10 days to get all the investigative information to them. Because of such a short window of time, I was not able to get all the info to them in the allotted time frame and so therefore I was sent a letter stating that because of little info that was provided to them, they closed the complaint and were " unable to resolve the dispute in my favor ''. When I received the final letter, I called Citibank and explained that they did not give me enough time to present the evidence for the dispute and I was given the dispute phone # to call.