23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am reaching out due to recently being in the process of purchasing a vehicle. As I have pulled my credit report, I have noticed that Possible Financial has charged off account ending in XXXX on all 3 credit reports. I have never received a 1099-c form, can you please go ahead and send this immediately. 


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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2006 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Mortgage

On XX/XX/XXXX I closed a bank statement loan with XXXX XXXX XXXX XXXX to refinance my condominium mortgage. 

Within the closing documents it specifically states escrow monies were collected at closing for taxes and home owners insurance and that future escrow payments would be earmarked for taxes and home owners insurance. 

On XX/XX/XXXX I received notice via hard copy letter in the mail that the servicing of my mortgage was sold to Select Portfolio Servicing ( aka SPS ). 

On XX/XX/XXXX I received an email from my insurance agent that my home owners insurance had lapsed due to non-payment. 

On XX/XX/XXXX I contacted Select Portfolio Servicing to inquire on why my home owners policy was not paid. As it turns out, I was told their internal records state that my escrow is only to pay for flood insurance and not for home owners insurance and taxes. I live on the XXXX XXXX of a condominium building. I do not need flood insurance. The condo building itself has flood insurance and that policy was provided at closing of the loan in XXXX XXXX XXXX. 

Upon further research, my personal property taxes have not been paid yet either, which will be delinquent if payment is not received by XX/XX/XXXX. 

I have asked both XXXX XXXX XXXX XXXX XXXX Select Portfolio Servicing to remedy the situation by paying my property taxes and home owners insurance in full and to cancel the flood policy they have been paying. I didn't even sign to have a flood policy. An internal mistake has been made by either one or both of these companies. 

In the meantime I have had to pay further monies out of pocket to bring my homeowners policy back in force and am wondering what will happen if my property taxes go unpaid by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending you this message in hopes you can assist me with a problem I am having with XXXX XXXX regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX XXXXXXXX XXXX sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX XXXX reported a 30day late to my credit bureaus. 



I was in the middle of a real estate transaction, i paid off my car loan with XXXX before a 30day late. XXXX XXXX reported the 30day late anyway. 
My score dropped XXXX with Equifax, XXXX points with XXXX and XXXX points with XXXX. 

I called the Customer Service Department of XXXX and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported and would not be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment. why should a consumer be penalized with a 30day late for completing a car payoff before XXXX XXXX XXXX. I want this corrected immediately as it s only fair, based on the email I recived from XXXX on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. My next course of action is the XXXX XXXX XXXX XXXX. 
To date my credit score was not corrected, the points I lost should have been recovered and my score should have been made whole. Instead XXXX and the credit bureau continue to report a history with a final 60day late as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and correcteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On Experian and XXXX  it reporting different information. The following accounts I have did my due diligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed from my credit report twice in the past 8 months XX/XX/XXXX was the first time and again the beginning   of XX/XX/XXXX and has been placed back on without notifying me 5 days prior to the reinsertion action. My lawyer from XXXX XXXX had previously sent out letters on my behalf after I noticed this account reporting incorrectly and it was removed due to non-validation of the account after sending 609, 611 and follow up letters, this is not a playing matter and has seriously caused derogatory marks from adding and reinserting repeatedly on my credit report and causing my score to drop drastically. The credit bureaus need to delete the item due to inadequate validation, they were given more than enough time to validate ownership of the account with a payment history to the company using my bank account information, anything less than a signed contract with payment to said company is not sufficient validation. It was added again XX/XX/XXXX for {$540.00} XXXX XXXX did not verify that the account belongs to me and all three credit bureaus did not do their due diligence to protect me the consumer.
Product: Debt collection

I am a victim of identity theft. I do not owe a debt to American Accounts Advisors. I have repeatedly received phone calls from debt collectors from American Accounts Advisors who has harassed, verbally abused and threaten me with arrest and wage garnishment. American Accounts Advisors in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.
Product: Vehicle loan or lease

I had a car with XXXX XXXX and I didnt have the car a full 2 months and I turned the car back in because I went out on FMLA leave due to medical cal issues. I asked if I could pay my payment late or lower my payments and they refused. I repeatedly asked for help and they just kept threatening to repossess the car. So I turned the car in and now they have it on my credit as repossessed and they have already sold the vehicle and put it on my credit as a repossession. I can not even get a car anywhere else because of the repossession. Please remove this from my report because I am in need of another car plus my son has a XXXX and I can not purchase another car with this on my credit.
Product: Consumer Loan

I noticed that my credit score was negatively impacted when I was in process of refinancing my mortgage. This was a result of an oversight on my part for missing my XXXX 2015 car payment to Honda Financial Services. When I did realize the oversight I immediately paid XXXX 's and XXXX 's payment. I feel that Honda Financial Services did not pursue all avenues of making me aware of the situation and did not inform me of the negative impact of this oversight would have on my credit score. I did not receive any written documentation to inform of my missed payment nor were any voicemail messages left on my telephones ( home/cell ). I did call Honda Financials Services once I realized this negative impact and was instructed by the customer service representative that there is nothing they could do to reverse the negative rating. Again I strongly believe Honda Financial Services should have been more proactive to avoid this negative impact to my credit score especially when I have the means to pay. To this date I have not missed another payment.
Product: Checking or savings account

On XX/XX/year>, I presented the original Certificate of Deposit in person to banker XXXX XXXX at Chase, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. XXXX tried to allocate the record with Chase Bank back office. Chase Bank can't locate the record of the CD. Her business phone XXXX  is XXXX. 

This was escalated to Chase Bank Escalation department. A gentleman XXXX in the escalation department from Chase XXXX ( Phone # XXXX XXXX XXXX with word ID # or case # XXXX ) called me in XX/XX/year> and notified me he could not allocate the CD in their system and the case was closed. 

I also filed a complaint through the Chase Bank website. on XX/XX/year> Chase Online responded back " We understand how this can be important and regret for any inconvenience this has caused. Certificate of Deposit account inquires are managed at the branch. Unfortunately we were unable to help you with your Certificate of Deposit account through the e-mail channel. '' I have been seeking for legal support and I am happy to know you will be be able to help out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Fair Credit Reporting Act, Section 609 Dear XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Original Creditor : XXXX XXXX ), account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

According to the Fair Debt Collection Practices Act ( FDCPA ), all collection agencies must be licensed and bonded in the state where they operate. Failure to do so can result in legal action against them. Therefore, if you have been contacted by Progressive Mgmt System for debt collection, you have the right to take legal action against them. I will be filing a complaint with your State 's Attorney General Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per a credit report I received in XX/XX/2020, there were opened credit cards and addresses that were fraudulently attached to my social security number. I reported this to Equifax and major creditors and have a fraud alert placed on my account. I have filed a few disputes on the account, but not all has been adjusted. I need these taken off of my credit score so I can be adjusted to where my true score should be.
Product: Money transfer, virtual currency, or money service

XXXX at XXXX AM I send Outgoing wire funds Transfer with CapitalOne Bank XXXX XXXX Checking Accounts in the amount of {$1000.00} And {$25.00} fee For a Personal Loan to XXXX Finance the XXXX loan was {$50000.00} the beneficiary name is XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX BANK XXXX NO XXXX After they get the money they suppose to Wire me the {$50000.00} within the XXXX hours and they did not immediately i went to my Branch in XXXX and XXXX XXXX ask them to reverse back my money that 's brief l'y what happened I have everything documented
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX. Experian pulled in old data from my previous creditor XXXX XXXX  - XXXX from 2018 to lower my credit score by 53 points. 

XXXX. My mortgage bank ( XXXX XXXX  ) has inaccurately reported my XXXX mortgage payment showing a late payment when in fact I did make the payment. XXXX XXXX  raised my payment amount due to the rise in taxes and instead of starting adjusted payments in XXXX they started adjustment payments XXXX ( the previous amount was automatically withdrawn in XXXX. I started receiving calls in XXXX from XXXX XXXX  but their representatives were hanging up the calls when I answered. I called in to find out what's going in and learned that I owe an excess of XXXX dollars. I made the payment by phone which was never processed by their representative. I started to receive calls again from XXXX XXXX  and getting disconnected by thteir representatives. I called back in a second time and was told the payment is stil outstanding. I made the payment by phone a second time which was processed in mid XXXX. I filed a dispute with the XXXX XXXX for their bad banking practices. This caused a 30 day late payment hit my credit report as well. A dispute with XXXX Bank is pending. A dispute with Experian is still pending. 

Unfair banking and Credit Report practices from both institutions. I currently can not obtain a loan because of this,
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I wanted to let you know I spoke to my point of contact XXXX XXXX yesterday morning and this morning. Yesterday morning I advised him we had hired a broker to sell our property, he did advise us there is no pending foreclosure sale date, however listing our home for sale would not stop a foreclosure sale. Which according to new California Law enacted this XX/XX/year>, that is incorrect. XXXX XXXXXXXX, XXXX. Mortgages : foreclosure. 
Existing law imposes various requirements to be satisfied before exercising a power of sale under a mortgage or deed of trust, including recording a notice of default, providing a mortgagor or trustor a copy of the recorded notice of default, providing notice of the time and place scheduled for the public auction sale of the real property and other notices related to the sale, determining the fees and expenses that may be paid from the sale, determining who may conduct the sale and act in the sale as an auctioneer for the trustee, determining the time and place where the auction sale may occur, and specifying how bids may be made and accepted at the auction sale.After speaking to our attorney, he advised to try to modify the loan since there is substantial equity in excess of XXXX. And current interest rates would make it impossible for us to purchase another home. There is no sale date and we have a full package submitted. and they are being no help with halting a sale or a modification. I now have a letter that says they have a fill package, but I always get the wrong information over the phone. Our house was over XXXX in equity. We are trying to work something out with them. to no avail.
Product: Mortgage

I have a mortgage with US Bank ( # XXXX ). 
I have always made my payments on time. 
In XX/XX/2022, the payment went up from {$2600.00} to {$2900.00}. I failed to adjust the automatic payment of XX/XX/2022 with the increase of {$300.00} for the escrow account. 
US Bank applied my payment of {$2600.00} to principal and cause the loan to be in default without immediately informing me that I should pay the additional amount of {$30000.00}. Notices were send weeks after the payment was made. 
Also US Bank charged me a late fee of {$11000.00}. 
When I found out I immediately called US Bank and the person I talked to reversed the transaction and collected my {$30000.00} over the phone and told me that the fee was waived. 
The late charge of {$11000.00} is still charged in my account and the Bank informed me that management refused to confirm the waiver. 
In my opinion this is unfair and shady behavior by US Bank probably created in order to charge excessive late fee 's. 
I have no doubt that the papers I signed when I took the mortgage are drafted such that I have legally no issue and that the Bank is never liable for anything. 
I am glad that we have the CFPB that protects clients against this type of behavior.
Product: Credit reporting or other personal consumer reports

It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged. Make payments on my credit report. Under federal law, they had 30 days to complete the investigation, and by failing to do so, the item must be deleted from the report as soon as possible. Fair Credit Reporting Act this creditor has violated my rights under 15 year C 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 and also states a consumer reporting agency. They're not functioning in the car without my written instructions under 15 USC 1666 BA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is one of many times we have addressed this situation over. These accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX are not complete and accurate
Product: Credit reporting or other personal consumer reports

I am submitting this second-round dispute regarding six ( 6 ) late payments reported by XXXX Number XXXX that remain unverified on my credit report, despite my initial dispute on XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), creditors are required to verify the accuracy of information within 30 days. As of today, no such verification has been provided, making the continued reporting of these late payments a violation of the FCRA. I request the immediate removal of these unverified late payments from my credit report under FCRA 611 ( a ) ( 5 ), which mandates that unverifiable information be deleted. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX. XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX i learned that I sent Barclaycard ( my XXXX XXXX credit card ) an ACH payment of {$7500.00} from the wrong account and it was returned for insufficient funds. I was told by Barclaycard customer service that they would retry the payment within 3 days or I could call and pay the amount over the phone to avoid a late fee and/or interest. To correct the error I did an immediate transfer of {$7500.00} to the same account the original ( in error ) payment was taken and called Barclaycard that evening ( XX/XX/XXXX ) to make a payment directly from that checking account, using my account number and bank routing number. The payment was processed and posted on XX/XX/XXXX. Barclaycard also put through the retry ACH payment on XX/XX/XXXX, which then was also processed on XX/XX/XXXX and returned for insufficient funds. Of the two payments of {$7500.00}, one was never credited to my account despite me sending my bank account statement showing the funds were sent to Barclaycard and withdrawn from my bank account. I have worked with my bank ( XXXX ), the bill pay company ( FIS ) and apparently the payment was sent to the wrong account number at Barclaycard and they are unable to find it or credit my balance despite me providing the Federal Reserve tracking number for the payment. I have also been working with The Mayors Office of Consumer Information, and despite their numerous letters they sent, Barclaycard would not respond To them so the director ( XXXX XXXX ) advised me to file a complaint with your agency.
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. 

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 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.