23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complainant submitted payment to Merchant ( Barclays ) on XX/XX/2020 - several days prior to the due date of XX/XX/XXXX. Merchant failed to post payment until XX/XX/2020, thus putting Complainant into " late payment '' status. 

Merchant failed to issue account statement for period of XX/XX/2020. Complainant recognized on XX/XX/XXXX - seven days AFTER payment was due - that Merchant had failed to provide statement. 

Merchant 's failure to timely post Complainant 's payment in XXXX caused Merchant to retroactively charge promotional interest deferral to Complainant. Complainant immediately called Merchant on XX/XX/XXXX to initiate correction. 

Merchant refused to remove interest, and also notified Complainant that Merchant " has reported the account delinquent to the credit reporting agencies. '' At no time prior to Complainant 's initiation of contact with Merchant on XX/XX/XXXX did Merchant attempt to contact Complainant for any reason. Merchant did NOT issue account statement to Complainant. Merchant did NOT attempt to contact Complainant to inform its intention to report Complainant account as past due.
Product: Credit reporting or other personal consumer reports

equifax has been getting letters that i have sent via us mail and now that they have internal blocked my porfile i can not access it from any third party company such as XXXX  since i have a membership with them and i dont find it right for me to pay XXXX  when equifax has my information blocked and i cant refresh my report since i have been a vitem of identy theift for several years now this is very complicatied and getting really annoying dealing with these scams so called credit buears i need this resolved asap
Product: Debt collection

I have been contacted about a debt that was originally from XX/XX/XXXX. The original debt was from XXXX XXXX for {$1700.00}. The debt then was renewed for an additional 10 years on XX/XX/XXXX by XXXX XXXX XXXX and now the debt is being represented by Gurstel Law Firm and they are trying to extend it another 10 years and has sent me a letter on XX/XX/XXXX trying to collect it. I have already sent them a response that I do not recognize this debt. This is the second letter in the last 6 months and the first case they have gone ahead with proceedings to garnish my wages.
Product: Debt collection

Ask my employer 's receptionist where to send garnishment paperwork. Faxed employer for requesting my personal information. Called me at work when I told them to call at home.
Product: Mortgage

Bayview XXXX foreclosed on my property without proper notice nor will provide documentation to me or my legal counsel showing they did act within the law. Me and my legal counsel has requested the required documentation from the trustee Co and have not provided proper documentation. I was in the middle of a loan modification while all of this was taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Product: Credit card or prepaid card

I applied for a United Explorer Mileage Plus card because I received a card in the mail. I applied and was denied because they said I opened too many credit cards. I have an exceptional credit rating ( XXXX ), have no credit card debt, and have nothing against my credit. There is no reason to be denied a credit card. I wanted this card because I will soon be traveling with United and wanted to get my bags checked for free, not to mention the other perks that come with traveling with the card. I have a XXXX card that allows me to already do this and I enjoy using the card when traveling. So, basically, they are insisting I use another airline where I can use my credit card for perks. I have never been denied a credit card. I am just amazed that they would turn me down.
Product: Debt collection

Previous complaint # XXXX I have contacted XXXX to process an dispute about Citibank deb was included in the XXXX
Product: Student loan

I completed the proper forms to request PSLF and emailed Fed Loan shortly after confirming my eligibility and asked that they provide me a date of transfer for the loans and got the following response : Thank you for contacting FedLoan Servicing! 
Your loans will be added to our system on XXXX XXXX, 2016. We will then calculate and provide you with the following information for each loan : - The number of qualifying payments you made during the qualifying employment period listed - The total number of qualifying payments you made during all periods of qualifying employment - The number of payments that are still required before you can apply for forgiveness - The date you are expected to be eligible to apply for forgiveness Your account must go through a detailed review process, unfortunately this review will take a minimum of 90 days to complete. This process can not be expedited due to the transfer of your loans. 
We recommend that you use the " Contact Us '' links on our website, www.MyFedLoan.org, to submit inquiries via a secure email form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday trough Friday from XXXX until XXXX ( ET ). 
Sincerely, XXXX FedLoan Servicing Today I am being told by a rep at Fed Loans by the name of XXXX ID XXXX that the transfer of the loans from the original servicer who was XXXX took place on XXXX/XXXX/2016 and can take an additional 30 days to reflect on their system giving a post date on or about XXXX/XXXX/2016 which is not what I was told in the above email. I was then transferred to PSLF by the the Fed Loan rep and was told by XXXX the same thing but in addition to waiting up to XXXX/XXXX/16 for the loans to post, I will have to wait an additional 90 days from completion of the transfer to find out how many payments are eligible for PSLF for an estimated total of 5 months to complete this transaction which is not a realistic timeframe. In the meantime although the loans being transferred are currently in forbearance I have to sit and wait before I can pay anything towards the loans which is totally a violation particularly with my not knowing what my new estimated payment will be, how much the monthly payment will be impacted, nor the balance remaining due to this long processing period. If I had the preference I would have kept XXXX as my my servicer as their website is much more user friendly. I wish XXXX could handle processing/tracking of payments for PSLF. Fed Loans should take note and learn a thing or two from XXXX.
Product: Credit card or prepaid card

I have never been late on my account before and missed a payment for XXXX and was assessed the late fee I spoke with Customer Care and their supervisor yet none of them applied a courtesy late fee waiver
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Mortgage

end of last year XXXX I did not receive my monthly statement called Newrez ( starting servicing loan summer of XXXX? ) Told copy old statement and mail on with current payment, made payment.I do not believe I should to go to store make a photo copy this guy talking nonsense is a customer service rep.Co. started mailing out statements again now last 3 months no statement ( so no slip to mail with check, no monthly balance, no escrow balance they could make a change I would have no idea ) If they are obligated to send me a statement I would like to make a complaint I do not trust this company.Never late on a payment we have been homeowners since XXXX and have never had a mortgage company like this, they picked us we did not pick them.THANKS IN ADVANCE XXXX MORTGAGE COMPANY IS newrez
Product: Debt collection

In XXXX of 2016, the management company for The XXXX at XXXX apartments in XXXX, TX attempted to force me to pay an additional month of rent after I had vacated the property. The lease required that they provide notice at least 90 days in advance of the renewal/move-out period. If they did this, then I would be required to provide them a 60-day notice of intention to vacate/not renew. If they did not do this, then I was required to give them the standard 30-day notice of intention to vacate. The management company at that time, XXXX, did not provide the management-required notice, thus I was only required to provide a 30-day notice per the lease, which I did. 

This was a contractual dispute, not a debt incurred and then not paid. Instead of bringing a suit before a court of law to settle the contractual matter and prove a debt, XXXX submitted to Alexander-Rose, Inc. for debt collection. Alexander-Rose was told of the contractual dispute but posted the debt to credit reporting agencies again without bringing a suit before a court to settle the contractual dispute. 

I am now seeking to rent another apartment and am being denied upon the basis of this reporting, which was never substantiated in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Credit Acceptance reported on my credit report that I was current and up to date on my payments. On XX/XX/XXXX Credit Acceptance reported that I was delinquent on my account which dropped my credit score tremendously. I contacted Credit Acceptance multiple time speaking with XXXX and XXXX and they both stated that was an error because they only report if you are 30 days late. I'm am currently in the process of purchasing a home and they are also going to pay the vehicle off as to why I haven't paid my current balance of XXXX but both stated that it still isn't 30 days late because my due date is on XX/XX/XXXX and it's only 7 days late due to being paid off when I close on my home. I asked for something in writing just to inform my mortgage company that this was an error and they stated that they were not able to put anything in writing because they don't have the proper format to write a letter and that I would have to dispute it. I'm set to close on my home on XX/XX/XXXX. 

Signed very upset,
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracies in my personal information that must be corrected. Specifically, I am requesting the removal of inaccurate addresses that do not match my current address. These discrepancies are misleading and detrimental to my credit status, as they may hinder my ability to obtain credit, cause delays in important financial matters, and create unnecessary confusion. Furthermore, these errors contribute to undue stress and XXXX, directly affecting my overall health and economic well-being. Accurate reporting is essential to maintaining my credit life and ensuring that I am not unfairly disadvantaged due to errors beyond my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to " common wealth financial systems collection agency. Heres my tracking number XXXX, However the collection agency said they completed an investigation and everything was accurate. 

Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as lateforanypurpose.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
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

On XX/XX/XXXX I received a letter from Select Portfolio Servicing Inc. stating that they have not serviced my loan for a year, so they said they don't have to respond to my request to release the lien for my mortgage.

SPS says they haven't serviced my loans for one year, but yet over the past few months due to my complaints I have filed with the Consumer Financial Protection Bureau, it has prompted SPS to finally respond to my numerous request for information and actions to release the lien for the mortgages due to the fact that the loans have been forgiven and extinguished under the Making Homes Affordable Program, or other means.

I believe my mortgage have been extinguished through the making homes affordable program and forgiven. The loans have been charged off. 

I am requesting a lien release for both mortgages. 

XXXX XXXX XXXX says they aren't the responsible party, and XXXX  XXXX XXXX says they aren't the responsible party, now SPS is saying they have not serviced my loan for a year? Who is responsible?
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last XXXX years my identity keeps getting stolen. 

First it was with XXXX, then I received a collections from paypal for $ XXXXToday I woke up and someone opened an online banking account with Chime. Also 3 years ago I had my snapchat hacked and my friends were scammed out of hundreds of dollars. snapchat has no customer service number, i had to create a twitter and tweet at them to get it resolved. 

im almost certain this is an ex girlfriend of mine
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. After submitting request to Experian the FRAUD information is still on my credit report.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a victim of identity theft. Because of this my credit report with Experian is not 100 % accurate. I am seeking remedy by asking that all that I have identified as identity theft be permanently blocked, deleted, and removed from my credit report as required under Section 605B of the FCRA. Please see attached.
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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX, Account name 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.
Product: Debt collection

For several months now, about every other day, I have received telephone calls from the following phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not been answering these calls. Each time I receive one of these calls, a voice message is left which is about 3 seconds long and contains no identifying information, no call back information and no information as to what the call is regarding. It 's a completely silent voicemail lasting 3 seconds.
Reverse look-ups on the numbers reveal that they are assigned to a XXXX. Calling them reveals that they are affiliated with Central Credit Services,  LLC
Product: Payday loan, title loan, or personal loan

Last year I was low on funds for my XXXX birthday I decided to go to title max for a title loan that was XX/XX/2022 I qualified for XXXX but only got XXXX a couple months went by of me paying XXXX every month I notice on the billing app that my balance wasn't changing so I called to ask why was that I was told that the XXXX was just to hold the title and nothing else and if I wanted to make the balance go down I would have to pay more than XXXX at this point I'm in shock cause I have had a title pawn before and only had to pay XXXX extra dollars plus the money I borrowed that's it so the lady apologize for the for not explaining it to me fully.
Product: Money transfer, virtual currency, or money service

Chase Banks transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Chase Bank card transfers that first took place on the XXXX of XX/XX/XXXX. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 
The funds were transferred utilizing Chase Bank 's services in the total amount of XXXX USD! 
I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION XXXX : XXXX XXXX {$76.00} INQUIRIES : XXXX XXXX XX/XX/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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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