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

On Wed, XX/XX/XXXX at XXXX XXXX CST, XXXX XXXX XXXX wrote XXXX To Whom if anyone this may concern : OBVIOUSLY YOU CANT READ DATES AS YOUR ENTIRE REBUTTAL IS ABOUT XXXX NOT THE CURRENT ISSUE XXXX My secondary home WAS AFFECTED BY HURRICANE FLORENCE XX/XX/XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. XXXX changed the address to XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I had over 11k in  damages to my secondary home. I work from this home 6 months out of the year and do have an office in the home. I sent you a copy of my insurance claim showing the damage IN THE PRIOR EMAIL. If you had bothered to LISTEN TO THE CALL AS REQUESTED XX/XX/XXXX you would have heard the information. Also your representative was given the info twice I do believe during that phone call. I was advised by your Co. Representative that THE DISASTER ASSISTANCE 90 DAYS no pymts to allow me to make repairs. I was told next pymt due in XX/XX/XXXX. I called in prior to XXXX and requested an additional month extension to complete repairs due to extensive flooding in the area and unable to get to the property due to road closures right away. It was granted. I was then told next due XX/XX/XXXX. I WAS NEVER INFORMED IN WRITING OR OTHERWISE ANY DIFFERENT. I was late making this payment and when I signed in to make the payment, I saw you had the ACCOUNT MARKED INCORRECTLY AS PAST DUE 4 MONTHS. I CALLED IMMEDIATELY. You need to review the initial call requesting disaster assistance. I NEED THIS CORRECTED/MY CREDIT REPORT FIXED ASAP to reflect no late payments. If this is not ESCALATED TO THE PROPER PERSON TO CORRECT, I will seek legal action to resolve, with you using YOUR COMPANY 'S recorded phone call as proof this is what I was informed. This has caused me to be turned down for credit for repair financing, and beyond furious. Someone there dropped the ball or didn't reach out to me to get info if you needed it OR ADVISE THERE WAS EVER ANY ISSUE! XXXX!!!!! I WAS NEVER NOTIFIED AT ALL. I'LL await your prompt reply/correction. 

THIS NEEDS TO BE CORRECTED TO SHOW NO LATES AS PER AGREEMENT WITH YOUR REP FOR DISASTER ASSISTANCE XX/XX/XXXX. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have contacted Experian XXXX, And XXXX reporting and sending proof that XXXX a victim of identity theft Including but not limited to a official filed police Report a Theft affidavit Copy of FCRA 605B making all consumer reporting agencies aware of the violations they may have coming their way if this is not cleared ASAP!

Experian failed to Remove the Fraudulent account 1XXXX XXXX Finance 3 XXXX XXXX Experian claim I did not provide a dl or identity theft report but I indeed did 3 -4 months ago Experian have failed to protect my consumer rights and did not Remove those fraudulent accounts or fraudulent addresses below even after sending in a complete filed police report and proof of address and DL Also Experian failed to make my credit report available to me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( fraudulent address ) Experian Did not Remove XXXX FAILED TO MAKE MY CREDIT REPORT AVAILABLE WHICH IS CONSIDERED a violation Im seeking for damages in federal court XXXX : Failed to make my personal credit report available as well as reporting inaccurate information on my credit report account listed below NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX FAILED TO REMOVE THOSE FRAUDULENT ACCOUNTS AFTER ME SENDING A COMPLETE FILED POLICE REPORT AND THEFT AFFIDAVIT FOR THE FRAUD THAT OCCURED THESE ACCOUNTS NEED TO BE REMOVED ASAP AS IM NOT FILING A FEDERAL LAWSUIT AGAINST THESE COMPANIES AND WILL BE SEEKING FUNDS FOR FAILING TO PROTECT MY CONSUMER RIGHTS AND FOR THE VIOLATIONS THEY HAVE VIOLATED
Product: Credit reporting or other personal consumer reports

This company accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Experian and being assured that this inquiry would be removed, it still appears on my report. This unauthorized and fraudulent inquiry is causing me significant anxiety, as it may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Mortgage

I want to file a complaint against Select Portfolio Servicing Inc . The company 's mailing address is Attn : Loan Resolution Department, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I applied for a mortgage loan modification in XXXX 2014. I have called this company each month since XXXX 2014. I am repeatedly asked for verification of salary, income tax return forms and bank statements. I have received XXXX letters from this company never specifically stating the status of my modification application. The letters received from the organization only state that correspondence was received from me. This company has numerous complaints against it on several consumer complaint web sites. My mortgage was sold to Select Portfolio Servicing Inc. by the orginal lender which was XXXX Mortgage company. Each telephone conversation I 've had with this organization resulted in vague and very cryptic conversations with representatives who never provide straight answers to straight questions. As mentioned before, I have never received correspondence indicating any status on my mortgage loan modification or what stage from beginning to end is my application in. This company provides terrible customer service. The representatives give the same information over and over again. I 've written a letter to the Board and CEO of the company with no direct response. Just correspondence vaguely stating that correspondence was received by the company from me. This entire process has been unprofessional. This company will not record " specifics '' in their correspondence to me pertaining to the modification. My goal is to successfully complete the mortgage loan modification process. I can not believe how this company does business or why it has been allowed to get away with doing business this way for so long. I am requesting assistance from your agency in this process.
Product: Student loan

Student loan was originally made from Sallie Mae now Navient. We, myself & co-signer receive at least 2 phone calls per week & numerous e mails plus mails regarding these loans. They have been in forbearance/deferred to the max and currently the harassment has been overwhelming. I have spoken to them numerous times explaining our current situation which is, my mom & co-signer was diagnosed with XXXX XXXX & can not work nor receive any income from XXXX. Because of this unfortunate issue, I have taken over not only all the household expenses, but my mom 's expenses plus my own. My husband works part time & he pays his own expenses as well as some household expenses. In XX/XX/2019, I fell at work & XXXX  XXXX XXXX which recently I had XXXX on & am currently on XXXX XXXX for the next 12 weeks. Whenever I speak to Navient and try to work something out, they do get very nasty & ask how I pay my other bills or tell me about a higher power to pray to. This is not sitting well with me at all. This past week I received 2 calls XX/XX/XXXX & XX/XX/XXXX 6 days apart & the rep. dismissed my comment about it, 8 emails plus my daughter received the same, then paper mails we both received. We are fully aware of the debt owed however, we are trying to work with them & are very demanding & get a little personal. And the phone calls keep coming.
Product: Debt collection

Procollect INC tried to collect a debt that was not mine. They reported this debt to the credit bureaus knocking my credit down XXXX points. They replied to the last complaint saying that the debt was resolved but didnt report this to the credit bureaus. They lied about resolving this issue. I will be forwarding this complaint and their previous response to my attorney and the Texas Attorney General ( Midterms ) so that they can investigate their fraudulent claims.
Product: Debt collection

Merchants & Medical Credit on the behalf of XXXX XXXX in XXXX has called family members of mine to get my personal information. On XX/XX/2018, they called my grandmother, even though they have my contact information. They called her cell phone and home phone number within a 5 minutes of each call. If a debt collector already knows how to contact a consumer ( they have location information ), then there is no reason to call a family member, friend, or co-worker, they also revealed my debt to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : XXXX {$120.00} XXXX XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$3200.00} XXXX XXXX XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$890.00} XXXX ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} XXXX ) XXXX XXXX XXXX 
Account number XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$2400.00} Items XXXX and XXXX are duplicate reportings with same account number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : Collection {$1800.00} All of the companies named above violated my 15 U.S.C Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also violating 15 U.S.C section 1692 section 805 A, States a debt collector may not communicate with a consumer in connection in the collection of any debt at any unusual time or place known to be inconvenient to the consumer.

I am requesting these negative reports be removed off my 3 credit reports immediately. Experian, XXXX and XXXX.
Product: Credit card

I realized that Capital One has been consistently charging me late fees of {$40.00} per month, even though I was paying on my due date, because the payments were made after XXXXXXXX XXXX. I called & they refused to refund these fees. When I expressed that I felt it was a dishonest practice & I would be filing a complaint with CFPB, the supervisor that I spoke to ( XXXX ), was very rude talking over me & trying to end the call. There needs to be more protections in place for consumers so financial institutions cant use dishonest practices like this to cheat their customers. I could easily have paid a day earlier if I had known realized they were swindling me every single month. Im going to move my business to another financial institution because Im just disgusted with Capital One now. This is a dishonest & unfair business practice. I would just close my account if it wouldnt adversely affect my credit score.
Product: Payday loan, title loan, or personal loan

In XX/XX/2020, I paid off my Loan to XXXX In full. Since I paid the loan in full, I politely requested to the CSR if they would be able to somehow mark the previous months that were late as " on time '' since I paid off the entire loan in full early. The CSR said that It was not possible and I told him that I will do everything I can for XXXX XXXX to at least reconsider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple of times to get XXXX  to send me my past applications for my forbearance and deferments and they only sent a letter stating my loans are in good standing but my loans are showing past due XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX which is causing me to have multiple late payments hurting my credit score when i have always made sure my loans were deferred until i am able to pay which is soon but i need this fixed on their part. They have not shown proof of the student loans which were consolidated but XXXX  is still showing multiple of closed student loan accounts with bad payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may find, on XX/XX/22 I pulled a copy of my consumer report and discovered that 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 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 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. 


I did not give anyone my consent to reporting these accounts, these items are disturbing my livelihood, attempts to secure employment, housing and puts me in danger of predatory lending and high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion credit reporting agency removed an account off my credit report which caused my score to decrease this account should have never been deleted off my reports. The credit card company is XXXX this account is in excellent standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I have repeatedly filed complaints with the Equifax regarding fraudulent activity on my account, but they have closed the claims without my acknowledgment. Despite my efforts to provide the necessary information to rectify the situation, the company has failed to take appropriate action. I have sent multiple certified letters to Equifax in XXXX alone, requesting the removal of incorrect addresses, names, and hard inquiries on my credit report. However, Equifax has not responded to my requests, and my personal information remains accessible to unauthorized individuals. I have also noticed numerous variations of my name on my credit report that do not match my state ID, which is concerning. I am determined to continue filing complaints until my personal information is updated, removed, or rectified, and I urge the third party to take appropriate action to address these issues. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

My auto loan was purchased from First Niagara by Key Bank in XXXX. I have been making my payments online since XXXX with no issue before this purchase. On XXXX XXXX, posted on XXXX XXXX, I made a payment of {$360.00}, well above the normal {$330.00}, for the XXXX XXXX payment. This payment somehow was not recorded correctly as a normal payment, but XXXX that went directly to the balance. I called on XXXX XXXX to have this issue corrected. I was told that an adjustment would be made in 5 business days and thank me for the payment. 

On XXXX XXXX I get a statement where I owe {$680.00} which includes a late fee. The phone system does not recognize my payment in XXXX, but the website does. I again called customer service to have this issue fixed, which I was told they will immediately. As a good faith measure, I made another payment of {$310.00} for the XXXX XXXX payment. 

On XXXX XXXX at XXXX, I get a phone call from collections stating I never made a payment since XXXX, that I was delinquent by over 20 days, and they threatened to take my car and destroy my credit score. Obviously I was rather upset. I gave him all the information and associated emails FROM Keybank recording my payment. They said they noted it but I need to make a payment. 

I again called Key Bank customer service in the afternoon and asked for a Supervisor. After waiting an hour, I got XXXX. I explained to her the situation. She informed me that On Line Payments, the same system we were told to use when Keybank bought First Niagara, did not take normal payments. THIS WAS NEVER TOLD TO ME AT ALL! I told XXXX that I made a payment online on XXXX XXXX and I need to have this adjusted like the payment in XXXX. I told her, if you look at my account history, you 'll see I have made a payment on time or early for the entire life of the loan. I wanted documentation that this issue is their fault and that they are fixing it. They would not do so. I instead got XXXX direct number. 

At this point I feel helpless. I am getting punished for making an EARLY payment and worst yet, the only way I can make a normal payment is by sending it by mail as their online banking is n't capable of accepting the payment. What is this? XXXX? What bank in XXXX not except online payments!? 

I informed them that if this issue is not corrected by XXXX, I will contact a lawyer.
Product: Debt collection

On  XXXX   XXXX ,  XXXX  -  Best Service Company pla ced a derogatory on behalf on  XXXX   XXXX   XXXX   XXXX , my previous bank despite being placed into in the Chapter  XXXX  bankruptcy that was filed in  XXXX  and discharged in early  XXXX .  XXXX   XXXX   XXXX   XXXX  an d Best Service  has acted in bad faith by placing a regulatory mark after 18 months of bankruptcy filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize nor have I authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collection agency for XXXX is XXXX XXXX XXXX. XXXX does business by sending catalogs to peoples home that is linked to people Old account I had call them to tell them stop sending catalogs I am not I tersted. Recently they send me a bill I call them to tell them I did not make any purchases they keep insisting that I did. I use to buy their products 35 years ago and I paid back all the money I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90 - 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10, 11, 12, and 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I have had my federally protected consumer rights violated by EQUIFAX on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EQUIFAX has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification XXXX XXXXE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to XXXX, Transunion, and XXXX  regarding inquiries on my credit report that I do not recognize. The letter was sent XX/XX/2020. I have not received a response as required by law. Please remove fraudulent information as soon as possible.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/year> Account Name : XXXXXXXX XXXX # XXXX OPENED XX/XX/year> {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS XXXX XXXX AND XXXX XXXX IS NOT REPORTING ACCURATE INFORMATION ON ALL TREE OF MY CREDIT REPORTS, SUN LOAN WAS INCLUDED IN BANKRUPTCY AND SHOULD NOT BE LISTED ON MY CREDIT REPORTS, ALSO XXXX XXXX XXXX   SHOULD NOT BE REPORTED AS LATE IT IS A CLOSED ACCOUNT AND PAID IN FULL. THE TWO LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX SHOULD NOT BE REPORTING AS LATE ON MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

I am submitting this dispute to express my concerns regarding Zelles handling of disputes. CFPB recently filed a lawsuit regarding the issues with the platform. Zelle has failed to investigate my claims of lost funds and has taken no accountability with recovering my lost funds.
Product: Debt collection

In XXXX of 2015 my family and I moved from our residence at XXXX XXXX after the property refused to renew our lease For which they did not provide an adequate reason as to their decision even when requested via email ( see attached ). We gave the apartment manager our contact information and requested that a ledger of any cleaning/repair after move out be sent to us ( attached ). Our schedules did not allow for a walk through with the manager however we did take pictures and have attached them to this complaint. 

We believe that we were not allowed to renew our lease as retaliation for numerous complaints that we made to management regarding appliances that did not work, health issues caused by inadequate living conditions etc. All of which they were reluctant to fix or did not at all fix. 

After moving out we never heard anything from XXXX XXXX or IQ Data for that matter not a letter, or phone call.We assumed that our security deposit had been used for cleaning and any repairs that might be needed. However, we never received an invoice or itemized list of the work that was done as is our right to receive. 

Last month we were notified by XXXX XXXX that there was a collection placed on our credit reports for the amount of {$4200.00}. We had no idea what this debt could be for since we occupied the apartment for 2 years most of the repairs & cleaning were not beyond normal wear and tear. We also never got a letter from IQ Data stating we had a debt that may go to collections instead they sent it right to our credit report with no attempt to come to a resolution. 

After a dispute was made with the credit bureaus IQ Data sent us nothing more than a copy of a minimalist walk through checklist created by the property which claimed that everything needed to be replaced including the entire carpet ( citing pet damage when we did not own a pet ), doors, appliances etc. They even finally replaced appliances that we had been complaining about for months prior to moving out. There was no break down of cost on this checklist, no receipts to justify how they got to that total.