23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My house is being auctioned on XX/XX/XXXX. I listed my house for sale. My house is in default and I 'm trying to get it sold before foreclosure. We got an offer on my house. My package was originally sent to the servicer on XX/XX/XXXX - it was a full package. We were told it had to be initiated in XXXX. It then was initiated on XX/XX/XXXX. Bank of America has taken a full month to request documents. It is XX/XX/XXXX and up until last week they were still collecting documents. They had taken so long to request things, that they still have not done a full review of my property. My listing agent just got a call today from someone to see the property. It 's unbelievable to me that my lender needs a full two months to review short sale documents and NOT cancel an auction. I 'm requesting a postponement so my file can be appropriately reviewed.
Product: Debt collection

More than 4 time I called them they pass me to XXXX XXXX XXXX 
XXXX  XXXX XXXX pass me back to collection department and they pass me to diversifild consultant and this cycle turned for three time. 
Just you owe nothing but they dont know what is the collection
Product: Student loan

Took out a loan thru the school now I found out the school has closed and I am unable to continue earning my XXXX degree. My credits will not transfer and I am stuck with the bill they did not offer me any refunds
Product: Money transfer, virtual currency, or money service

Google Pay took money out of my checking account. No actions were taken by the company. There holding my money for 7 days for no reason. {$19.00} was taken out of my bank account with no recollection of even sending money at all. I believe they stole money from my bank account and its just sitting and pending and I want my money back.
Product: Money transfer, virtual currency, or money service

My local XXXX food store, XXXX XXXX XXXX, XXXX TX XXXX, declined my personal check for {$100.00} cash on XX/XX/2020. They gave me the info of their check service to find out why my check was declined. Certegy Check Services XXXX Inc, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX, stated that my name, address , and XXXX  store location was the cause and that is their policy. This is highly discriminatory since they did not use my check cashing history or credit history to make a decision, only my name and address. I called to complain and talked with XXXX, XXXX XXXX XXXX, but she repeated that Certegy has the policy of evaluating checks based on name and address, not financial history. This is highly discriminatory. I demand that you stop this discriminatory action and change your policy. I have filed a complaint with the Attorneys General of Texas and of Florida. 
XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2
Product: Bank account or service

BB & T only makes {$100.00} available on next day availablity deposits versus {$200.00} required by Dodd-Frank.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has not investigated my claim referencing the investigation in to  XXXX    XXXX    allegation of my account being deliquent!
Product: Debt collection

I have recently relocated to Mississippi a couple months ago for a job and applied to get a home loan for my boys and I to buy a house. I was told that I had a negative mark on there from National Credit Systems for over {$7000.00}. I have never had a negative mark on my credit for anything. I am a single mom and have always protected my credit and finances. I talked to my attorney and he informed me that it is illegal to collect on a debt past the 3 year SOL in Mississippi. I tried disputing this account several times in the couple of months and have gotten nothing back from these people. I want this fraud charge off.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting

I sent updated information to all three of the credit bureaus with a returned letter updating the information to an inaccurate reporting. This is done intentionally by a insiders in the credit bureaus '. Please review the letter sent to all three credit bureaus ' requesting info be updated below.
Product: Mortgage

NewRez took over my mortgage from XXXX on XX/XX/XXXX. I had on multiple occasions requested that XXXX NOT escrow my taxes. I received a statement for the full amount including escrow due XX/XX/XXXX XXXX {$2300.00} XXXX which I sent to XXXX before XX/XX/XXXX. 
NewRez did NOT set up my account for escrow. They had a Regular Payment amount of {$1200.00}, creating a difference of XXXX. 
On or about XX/XX/XXXX I spoke to XXXX at New Rez. She was going to request the refund of {$1000.00}. 
When I did not hear back or receive the funds in my checking account, I called again. 
On XX/XX/XXXX, I spoke to XXXX XXXX. He saw the same info and was requesting a refund IN MY NAME ONLY. 
On XX/XX/XXXX I spoke to XXXX XXXX. Again I was promised that the funds would be deposited back into my account within 3-5 business days. 
I called on XX/XX/XXXX and spoke to XXXX XXXX. She said the requests were denied by the payment processing group since the funds being requested for refund were over 30 days old. My payment had been applied to the principal of my loan. I explained that I NEED the funds to complete my real estate taxes. She was escalating this to her manager or to the payment processing group. 
On XX/XX/XXXX I called and spoke to XXXX XXXX. He was sending it again to payment processing with a note that I had started the request well within the 30 day window. 
On XX/XX/XXXX I called and spoke to XXXX XXXX. They are refunding the XXXX that they have escrowed towards homeowners insurance. ( I did receive this check payable to me and my deceased husband whose death certificate has been on file with them, but that is another story. 
I received a phone call from XXXX XXXX XXXX. I dont have this date written down, but it may be XX/XX/XXXX. He was going to get the {$1000.00} put into my bank account. He asked for this information regarding bank routing number and my account number ( had previously been supplied to numerous contacts in his company ). 
The second installment of my taxes is due XX/XX/XXXX. I am counting on this money to complete my payment.
Product: Bank account or service

I used my DirectExpress card at an ATM near my house, and subsequently lost it. When I sought help from an advocate to resolve the issues of fraudulent charges made to my account, I have encountered nothing but terrible customer service, or complete lack of service altogether. The institution refused to reimburse my fraudulent charges in a timely way, ( or at all to date ) they refused to speak to my authorized advocate who I enlisted to help me. The institution was often difficult to reach by phone and then would not answer my call. The paperwork associated with making a fraud claim was completed in a timely and thorough manner, and within a few days, they rejected my fraud claim and did not provide any documentation to validate their findings. I have since tried to contact customer service and have only reached a recording explaining to call back at another time.
Product: Student loan

I overpaid my XXXX income share agreements by {$200.00} last year. They will not issue me a statement credit for the overpayment and are instead applying it to my cumulative balance. This cumulative balance will most certainly not be met by the time my payment period is up, so in a way they are stealing money from me. They have not been helpful and it's very scammy how they are just taking my overpayment money, which belongs to me, and applying it to a balance that I will not reach.
Product: Vehicle loan or lease

To whom it may concern Even though my loan was paid off concerning my payments made through my finiancial institution I made all my payments on time according to each billing cycle. The payments was stated sent to the wrong department which incurred a late payment on my auto payment that between the finiancial institution billing department was lazy and not willing to transfer the payment to my account submitted. XX/XX/XXXX and past monthly installments from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX want field a complaint with XXXX, Transunion, XXXX  because they inaccurate information on my fie that should not be on credit report Such as Chapter XXXX Should not be on my credit report because XXXX have removed my chapter XXXX and also XXXX, Transunio, XXXX  was sending credit reports saying Thant I was XXXX XXXX XXXX and my name is XXXX XXXX. .I XXXX XXXX pay my on time and you credit Score shoul d be higher than XXXX XXXX, because all of bills come out of my checking account not five every month. I am a and sure would appreciate if u could resolve thes problem with the credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code1e ( b ) and 15 U.S Code1681i ( 5 ) this accouunt in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights too privacy and confidentiality under the 15 USC 1681. These account has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions,
Product: Mortgage

My loan # XXXX has not had any changes since I previously reported issues and received an outcome on XX/XX/XXXX. This was all addressed in the previous Case Number XXXX. My online portal still shows the same amount of {$1500.00} owed along with a significant amount being withheld for Escrow purposes. The payment was supposed to be reduced to {$1200.00} as of XX/XX/XXXX which never happened. My Escrow was supposed to be re-evaluated after this outcome which never happened. I am a XXXX XXXX XXXX veteran in Texas and therefore do not have property taxes on my home. I have filed all necessary exemptions for this to be the case back in XX/XX/XXXX. This was never taken into account during my loan process, Escrow calculation, and is still not being handled as it should. I feel discriminated as a XXXX veteran by this company. 

I contacted customer service a few times over the past 2 weeks to get them to fix these items only to be told that " my payment isn't late '' and that an " escrow evaluation was just completed on XX/XX/XXXX '' which showed nothing changed and was before my previous complaint/request. I have requested that another Escrow evaluation is completed as of XX/XX/XXXX and was informed on XX/XX/XXXX that it is still being worked on and that it would be completed by XX/XX/XXXX. As of today, nothing has been changed and I can not contact my mortgagor as of this morning 's phone call attempt. I am not being assisted by my mortgagor at all. If anything, I feel that they not only lied to me but to the CFPB about their intentions on what they will do and haven't done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. Please take these unknown items off my report 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: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account XXXX : XXXX Account XXXX : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( 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: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$20000.00} ;XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$3500.00} ; XX/XX/XXXXXXXX Balance : $ {$54000.00} ; XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Follow-up to CFPB Complaint [ Complaint Number ] Against XXXX Dear CFPB, I am writing to provide an update and request further action on the complaint I filed against Experian on XX/XX/year>, under Complaint Number XXXX Despite filing disputes and providing all necessary documentation, Experian has failed to correct inaccurate late payments on my credit report. Their investigation, completed on XX/XX/year>, did not resolve the issue, and they have failed to comply with several provisions of the Fair Credit Reporting Act ( FCRA ). 

Summary of Violations Violation of 15 USC 1681s-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The creditor has failed to accurately report the late payments. 
Violation of 15 USC 1681i ( a ) ( 1 ) & ( 6 ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) : Experian did not conduct a proper investigation or provide sufficient results. 
Violation of 15 USC 1681i ( a ) ( 5 ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) : Experian failed to correct or delete inaccurate information after being notified of its inaccuracy. 
Given the ongoing violations and Experian 's failure to comply with FCRA, I request that the CFPB take further action to ensure Experian corrects the inaccuracies on my credit report. I have enclosed all relevant documentation, including Experian s latest response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts XXXX And XXXX {$1500.00}, XXXX XXXX   {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report immediately.
Product: Bank account or service

I owe Chase Bank roughly {$2000.00}. I am living on SSI income so I have no way of paying that. I mailed them documents stating I had " won '' money. They said they wo n't accept that as payment. XXXX. I also wrote the postal inspector about these " sweepstakes '' being potential scams and they have done nothing to solve this financial joke. XXXX? Why do these " enforcement '' agencies not do anything to go after scammers? My local police do n't XXXX about mail fraud, but on the show " XXXX XXXX '' they state mail fraud is a felony. an someone get off their XXXX and help me solve this problem with my bank so my credit is not ruined? Police would rather pull me over for my traffic signal not going on than mail fraud I get in the mail stating I am owed all this money.