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

They are predators taking advantage of peoples need of quick money to pay and no one would approve me but they did for XXXX and I needed it and so I was like ok great I do all the steps and I see at the very end its says my interest rate is XXXX % and I have to repay XXXX dollars back for only taking out {$850.00}. Which is XXXX absurd!!!!!! 

Thank you.
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 ( Original Creditor : 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 instruction.
Product: Mortgage

Amerihome Mortgage XXXX XXXX services my loan. They purchase my loan from the loan originator with an impound account for insurance and taxes in place. My homeowners insurance expired XXXX/XXXX/17 and rather than contacting the insurance company to obtain a bill, they sent me a letter indicating that they are going to force insurance on me unless I sent them proof of insurance. Additionally, they indicated that going forward, every year I must submit the bill to them and proof of insurance. 

When they purchased my loan, they did not reach out to the insurance company to correct the loss payee clause to reflect Amerihome Mortgage, so any updated insurance info is going to the original mortgage company. They have the funds in my impound account, but rather than contact the insurance company on file and pay the bill, they are putting the burden of paying the bill on myself. They are putting the burden of forced insurance on the homeowner rather than properly servicing the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX  XXXX XXXX and XXXX XXXX XXXX ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card

A letter dated XX/XX/XXXX from Wells Fargo was sent to my old property which I sold on XX/XX/XXXX. The mail was forwarded to the XXXX XXXX of current residence in Massachusetts. It stated Wells Fargo had made a decision about XXXX XXXX XXXXXXXX # XXXX. I called Wells Fargo on at approximately XXXX XXXX XXXX on XX/XX/XXXX and stated that I did not file an application, and that I had sold the property in which the letter was addressed. They informed me to file a notice with ( FTC - Their site directed me here ), the three credit bureaus, and a police report which I am in the process of doing now. Please feel free to reach out if additional information is desired. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a prior CFPD complaint ... unresolved concern ... .I have a credit card XXXX that was reported on all three Credit Bureaus XXXX , XXXX & Transunion . Having a revolving charge card, that is paid appropriately is an additive to booster the my credit score. Transunion Credit Bureau deleted XXXX ..all XXXX data relating to me for my Transunion Credit report XXXX There was small discrepancy, I disputed on XXXX history, this resulted all of the XXXX card business to be deleted. The other two Credit Bureaus deleted the small bit of disputed data. Transunion action results in a lower score and higher interest rates, costing us thousands of dollars. We are livid.
Product: Credit reporting or other personal consumer reports

I did a balance transfer to my card. They report the date of last payment to Equifax as XX/XX/24 when I got my equifax report. The Equifax confirmation # is : XXXX However I have made payments in excess of {$3000.00} since that date. See below : Auto pay to XXXX XX/XX/24 {$500.00} XX/XX/24 {$4.00} XX/XX/24 {$11.00} XX/XX/24 {$40.00} XX/XX/24 {$250.00} XX/XX/24 {$510.00} XX/XX/24 {$500.00} XX/XX/24 {$300.00} XX/XX/24 {$500.00} XX/XX/24 {$490.00} {$3100.00} Additionally they are not reporting any of these payments.
Product: Mortgage

XX/XX/2023 : Received email that mortgage was being transferred to Mr. Cooper by XXXX and given information as to how to create an account. Account was created using instructions that week. 

XX/XX/2023 : Attempted to login to website to view balance and to change bank information to setup a new payment plan with new bank. Unable to login to account. Unable to recover username or password and given the error that my social/loan number/email were not in the system. Attempted to create account again in case an error happened the first time, received error stating an account already exists. Attempted to call customer service, but automated system would not connect without a social or loan #, both of which it stated on the phone were not in the system, automated system would then hang up. Chat function via website not functioning, says no representative available ( this was during business hours ) and does not have an option to join a queue. 

XX/XX/2023 : Have attempted weekly to establish contact via either phone or chat function with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX card on several occasions asking to remove the account off of my credit bureaus. The account has been paid for over a year now and they refuse to remove it off my credit report.
Product: Debt collection

I spoke with this debt collector by phone and told them this wasn't a debt I owed. They still sent me a letter insisting I acknowledge and pay this debt without any proof. This company should nt have ANY of my medical history. My medical history is protected by HIPPA, I dont know these people and why would they ave access to private medical information? Why is this legal and who are these people with my address and stating they have access to my medical history?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX  and 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 reported in to be removed.

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. 


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! 

Delete the late payments from my consumer reports
Product: Student loan

Hello I have a loan serviced through XXXX that is a private student loan, it is current. However, the loan was sold and re-sold from XXXX to XXXX to XXXX bank and is back at XXXX. 
The law office of John Bonewicz ( XXXX ) Persists in calling my friends ' parents to get in touch with me.I have never resided at this address or provided this phone number as a contact number. They refuse to acknowledge that they called my friend 's parents number, a number which I do n't even know. When I called to indicate they should delete all contact numbers aside from my cell phone they refused to do so unless I acknowledged that I owed them a debt. I do not in fact owe them a debt as my loan is current and serviced by XXXX, when I spoke with XXXX they indicated that they never authorize 3rd party collection calls. 

I 'd like to know how to get them to stop calling. 

thanks, XXXX
Product: Student loan

On XX/XX/XXXX, I went online to EdFin and made a payment arrangement for XX/XX/XXXX for the XXXX payment. As of today, XX/XX/XXXX, that payment has not been applied. When I look at the account it shows the payment pending but also says my payment is late. My confirmation for the payment is XXXX. I have made several payments on this loan and have never been late. They have not reached out to me with any explanation as to why this payment has not been applied to my account.
Product: Credit reporting

I am requesting that Experian remove the address listed on the Experian Credit File, history : XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed a series of inaccuracies on an account. ( XXXX XXXX ) I have disputed this account as inaccurate with Experian, XXXX, and XXXX on numerous occasions demanding they do a proper investigation into the facts of the account information and it always comes back verified. How are they verifying this when the open date is different on all three reports, as well as the payment/collection/charge off dates? 
I have demanded that this account be removed due to the inaccuracies and unfairness of the report. This item is interfering with my ability to obtain housing due to it being reported as a rental. I have no knowledge of ever having a rental with this company. According to the FCRA, reports need to be 100 % accurate across all three bureaus. this is a direct violation of the law. 

Furthermore, my rights have been violated under 15 U.S.C. 1681 sec.602 ( a ) states that I have the right to privacy., and 15 U.S.C. 1681 section 604 that also states that a consumer reporting agency may not furnish an account without my written permission.
Product: Debt collection

IC systems collection account in the amount of {$750.00} and {$1000.00} There is also another one from XXXX XXXX XXXX for the amount of {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Roughly a couple of weeks ago XXXX ran a background check on me!

A man in Florida with the same name and birth day an month an year keeps turning up!

XXXX, FL. XX/XX/XXXX Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX Balance {$3100.00} XXXX XXXX XXXX ( inquiry ) XX/XX/XXXX XXXX XXXX Account # XXXX Balance XXXX $ Experian Business Cred ( inquiry ) XX/XX/XXXX Experian Business Cred ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX ( inquiry ) XX/XX/XXXX 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

Received a robo call from portfolio recovery after I had already come to an agreement to settle this debt. They said my file had been reviewed by an attorney and that I still owed the balance that I had settled. They had not updated their system and had not any of what they told me they would do after I submitted payment. When I spoke to a supervisor, they said it was my fault because I had not given them ANOTHER call after the payment cleared for whatever reason that they never gave me. This is still showing as active on my credit report and they did not know when that would be taken care of
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX  and 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 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 reported in those accounts to be removed.

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. 


XXXX XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS AND IDENTITY THEFT
Product: Credit reporting

I paid my XXXX XXXX credit card off XXXX months ago and still not showing it.
Product: Checking or savings account

I am a XXXX XXXX XXXX man with XXXX. On XX/XX/year>, XXXX men in XXXX, New York forced me to an ATM and made me make XXXX withdrawals of {$200.00} from my bank account under force of threat. Immediately after the incident, the police officers arrived at the scene, took me along with a security guard who attempted to intervene to the XXXX precinct in XXXX, reviewed the ATM footage showing the robbery and took a report. I immediately froze my card. The police report number is XXXX. 

A few weeks later, I went into the bank to a get a new card and was informed that the money would be credited back to my account within XXXX  days. Today I realized the money had not yet been credited back, so my mom and I placed a call to the bank. The XXXX  XXXX representatives hung up on us. On the XXXX  call, I finally spoke to a supervisor, XXXX. He told me the claim was denied and that because the muggers made me punch in my pin, I was not entitled to a refund until after the police caught the suspects and they were prosecuted. I can not believe this is Chase 's policy. And if it is so, it should be published and made known to the public.
Product: Checking or savings account

On XX/XX/XXXX I completed a dispute on Citizens bank mobile app. The total amount of dispute was for {$460.00}. When submitting the dispute I could only select XXXX transactions total. 

In the morning on XX/XX/XXXX I logged into the app and saw a provisional credit was added to my account. Later that day I went to use funds in my account and it was declined. I logged into the app and see a miscellaneous charge for {$460.00}. 

I contacted Citizens and was informed my disuse was closed. A week later I received in the mail a letter stating a provisional credit was applied to my account. That next day I received another letter stating my claim was denied and the provisional credit would be reversed on XX/XX/XXXX. 

The process with disputes and issuing/reversing provisional credits seems to very misleading and unjust. I have requested more information from them on their policies with reversing provisional credits and have not received the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to XXXX in XX/XX/XXXX to support the US Military as a XXXX. I received notification from my credit monitoring service in XX/XX/XXXX while preparing to purchase a car that Sequim Asset Solution, LLC entered a collection on XX/XX/XXXX for XXXX XXXX XXXX. 

I never had an account with XXXX XXXX XXXX and had no prior knowledge of Sequim Asset Solutions attempting to collect on a debt. I have an account with XXXX that has been in dispute after damage to my property occurred by their installation crew in XX/XX/XXXX that they never took care of ). 

So - I sent Sequim an email with a copy of the Certified Letter disputing the account and requesting information so I can proceed accordingly. I cited both the FDCPA and FCRA in my letter and requested information on the item and that they intiate an investigation IAW the FDCPA and FCRA. 

My letter was the 'Initial Contact '. In my letter I requested Sequim Asset Solutions, LLC to provide all information as required by FDCPA. I also requested that the information be treated as a disputed and demanded that it be removed from my credit report if not validated. By Law - Sequim had 5 days to provide me the information I requested. By Law - they had an additional 25 days to complete an investigation and provide me the results and/or remove the information from my credit report ... 

I have called multiple times since XX/XX/XXXX - the day they received my Certified Letter. In each instance I have received the run around and have been told they do not have access to my letter nor any validation. I was actually told by a manager from their  company - XX/XX/XXXX that Sequim ( itself ) does not have to send me a validation and that by putting remarks in my credit report that it is disputed - that they have complied with the laws ... 

Nearly 3 months has passed. Sequim Asset Solutions has failed to comply with FDCPA Part 809 - 'Validation of Debts ' and FCRA Part 660.4 - 'Direct Disputes '.
Product: Credit card or prepaid card

I schedule all of my payments online and print payment receipts when payments are scheduled. I always schedule the payment for the end of the month before the payment is due. I scheduled a payment for the total amount due on XX/XX/2019 of {$1400.00}. Then for the XXXX Total balance of {$1000.00} I scheduled the payment on XX/XX/2019. I have the transaction receipts for both of these payments. Then on XX/XX/2019, Bank of America took out an additional payment in {$1400.00} out of my checking account without my authorization. When I saw the error, I contacted Bank of American on XX/XX/2019. They could not explain to me how this could happen and told me they would initiate a refund back to my checking account for the {$1400.00}. In the meantime, I have to move money around, borrow cash from my employer just to make sure I had enough in checking to cover my withdrawals. I called them back on XX/XX/2019 when the money still had not been returned to my checking account. They still could give me no reason as to how this happened and only gave me the answer of, " it takes up to 5 business days to process the refund ''. On Monday, XX/XX/2019 when the money was STILL not in my checking account, I called Bank of America again, only to be told by 2 more people that they could not explain what happened and that I should have the money back by the following day. As of right now, I am still trying to make sure my impending withdrawals are covered and I am still waiting for my money to be returned to my account. The fact that Bank of America STILL can not tell me how they were able to access over {$1400.00} from my checking account without my consent is baffling. I will cancel this card when all of my bonuses have been redeemed and my money has been returned.