23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Due to an accident that happen in XXXX that was not my fault but yet I was found guilty after being told by the judge that I did not need a lawyer to handle my case. 

I had to pay XXXX insurance company {$11.00} XXXX dollars which XXXX XXXX XXXXXXXX XXXX XXXX XXXX law firm is handling and had reached out to me to let me know that she needed me to start making payments to them which was {$56.00} a month. I paid faithfully until I was taken out of work due to fallen ill on XX/XX/XXXX. I continue to make payments until I no longer could. 

I contacted XXXX on XX/XX/XXXX to let her know what has happened at that time. She was very rude and unprofessional. She threatened to suspend my XXXX XXXX drivers license if I didn't come up with the money to continuing paying on my account. I explain to her my situation and that I couldn't work due to my condition and that I no longer had the funds to keep my payments going. She informed me to send in a doctors note saying I was under " XXXX 's care '' & my last XXXX income statement, so that she can see what she can do about making my payments cheaper. I sent the information in as requested. I did not hear back from her so I called to see what was the outcome. She stated that she couldn't do anything for me because she never received any information from me and that my problem was no longer her problem and that she will be suspending my license and in order for me to get my license back I would need to pay her {$25.00} XXXX dollars. I explain to her that I was not working and could not pay and is still under my doctors care as of today and she responded back saying that's too bad, I guess you don't need your license and hung up the phone.
Product: Debt collection

Portfolio Recovery has repeatedly called and sent invoices for balances that are not my responsibility. I have sent detailed letters giving them 30 days to send me information VALIDATING the accounts and they failed to do so. They simply respond with the previously sent invoice stating the accounts have been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over XXXX letters to XXXX and XXXX requesting a proper and Complete Investigation of an account listed as XXXX XXXX, Account number XXXX, and amount reporting of {$540.00}. They have failed on all instances to do so just merely sending back verified and not sending proof. Just stating it was electronically verified. This is not sufficient at all. They do not legally have the right to keep this apart if my file. I have never in my entire life done business with this company that is reporting adversely to my credit report.
Product: Credit reporting or other personal consumer reports

According to 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 has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, XXXX, and Transunion have reported these late payments without verification and without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied withthe FairCredit Reporting Act law and continued to report inaccurate information on mycredit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  NA ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have  received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX, XXXX and transunion to give me a validation on how they investigated the items that they continued to leave on my credit report as collections and charge offs. Yet they were not able to provide me with the steps they used.. I have asked them to please remove those items on my report. The have continued to still report those items that are detrimental to my profile
Product: Mortgage

On XXXX XXXX, 2025 my father and I went to the M & T Bank on XXXX XXXX XXXX in the XXXX XXXX XXXXXXXX, PA. It was there we met the manager XXXX XXXX. He asked what we were there for and we told him a home equity loc. He asked why and I told him I needed the money for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and we need a XXXX XXXX XXXX XXXX XXXX It was then that he accused me of fraud and said what men would do that and started to really question items. I sent him proof of items that were done by professional organizations that we were working with and other supporting documents. It was at that time that I realized that the XXXX XXXX XXXX was XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and possibly XXXX XXXX XXXX XXXX XXXX XXXX  ). He started to stumble around then walked out of the office and I heard him state to a fellow employee that elder abuse was occurring as well, it was not. My father, a senior, was getting confused because of his incompetency. It was at that time that I said to the manager that we are leaving and I said that I am not comfortable and he said why, I responded don't worry and any further questions I am calling the police. A few items : 1. I believe he discriminated against me and my reproductive rights, who is he to question why men would do XXXX. 2. He was XXXX and I wanted to call the police due to XXXX XXXX. I hope you make M & T aware, I have made it my personal mission to get this branch shut down through letting the public know about his behavior and by filing code complaints with the community to put them out of business.
Product: Money transfer, virtual currency, or money service

XXXX XXXX is the custodian services for MoneyLion, Inc. a XXXX XXXX, which holds funds for me in a simple IRA. I initiated XXXX, my brokerage firm to have my account transferred to XXXX XX/XX/2021. Now over 30 days later XXXX or MoneyLion has not released my funds.
Product: Debt collection

A company called ERC out of XXXX, FL has tried contacting me about a debt from XXXX XXXX that I do not owe. When I contact XXXX XXXX they said that our account is paid and they do not know why ERC is contacting us. I have told ERC to stop contacting us, they are now calling friends of ours saying that they are looking for me so they can collect a debt. This is harassment. 
The account number is XXXX
Product: Credit card or prepaid card

Made payment electronically XX/XX/19 and it said would take 2 days to post. Showed posted XX/XX/19 and taken out of bank account. In the amount of {$9200.00}. On XX/XX/19 used the card and declined. Called the company and was told payment was on hold. We have had the card 3 months and payments have never been held. The decline could have cost me a client. They said they could place hold on our funds of payment at anytime. They have never placed a hold on our payment made by check. What if we was out of country and relied on this card? Its a Sapphire card and you have to have a certain rating to even get the card. The complaint department could care less. They are a big institution and can do whatever they want. They held my money up from me using it for 7 days. It was given to them from my bank, but they would not let me have my money, it was not a check to clear. This is a bad Chase Bank experience. I would recommend no matter how good the perks look, walk away. They lied saying it would take 2 days for payment to post, very misleading.
Product: Credit card or prepaid card

My XX/XX/XXXX Barclay 's XXXX XXXXXXXX XXXX XXXX Statement showed a statement balance of {$13000.00} with payment due date of XX/XX/XXXX. On XX/XX/XXXX ( 12 days before my due date ) I logged into my account and paid the full balance of {$13000.00} to zero out my balance. On XX/XX/XXXX I logged into my account to check for any charges that may have come in after XX/XX/XXXX. There were new charges with a balance of {$68.00} which I paid in full on XX/XX/XXXX ( XXXX day before my XX/XX/XXXX statement was generated ). I then called Barclays to close my account due to the ridiculous interest rates on my card. My account was closed with a XXXX balance on XX/XX/XXXX. On XX/XX/XXXX my new statement was generated and an additional {$100.00} in interest was charged despite having paid my balance in full 12 days before the due date. I contacted Barclays and was told that this was the interest on my balance from XX/XX/XXXX to XX/XX/XXXX. Barclays has a policy of granting a XXXX grace period to their credit card holders from the statement cut-off to the due date where they will not charge interest if the balance is paid in full. I was told by the Barclay 's customer service chat representative that they will not honor the traditional grace period and refund this interest charge. I have never encountered this with any other credit card in my XXXX years of utilizing credit cards. This is gouging behavior because I chose to close my account.
Product: Mortgage

I am the XXXX for my mothers estate. I have sold her house, which was in foreclosure and due to be sold at auction on XX/XX/XXXX. I and the escrow company have request a payoff on this mortgage that is a little over {$800000.00} on XX/XX/XXXX, as of today, XX/XX/XXXX, I can not seem to get the companys attorneys office to send me the payoff to get this paid off. I and the escrow company have called multiple times and receive multiple excuses. We are now coming up on the auction date and I am told by the mortgage companys attorneys that if they dont get me the payoff before the auction, the house will be sold. The mortgage company and their attorney seems to be intentionally delaying sending me the payoff. I have requested is previously and it only took XXXX days to get it. There is no reason for this delay. This house has been sold and closed on. The funds are being held by escrow until we can get this payoff. The mortgage company is also continuing to charge interest as they delay sending the payoff.
Product: Debt collection

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX IN : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

LTD Financial Services is continuing to contact me to attempt to collect on a XXXX Credit card that was settled through a different collection agency. I let them know that it has been paid and have requested further information on them on a couple different occasions, but they have not supplied any more information other than continual collection notices to collect this paid debt. The following email confirms this debt has been paid, and I have disputed the credit bureaus and have it thus noted with them as well. " From : XXXX To : XXXX CC : XXXX ; XXXX Date : Wed, XX/XX/XXXX XXXX XXXX Subject : XXXX : Card Services, XXXX. vs. XXXX XXXX, My office did file the attached satisfaction of the above judgment with XXXX back on XX/XX/XXXX, and judgment was satisfied by the court per the attached court website. My office does not have record of a lien ever being filed in regards to this matter. Therefore, nothing was ever filed with the XXXX The account has also been reported to our client as settled. Please let me know if you need any further information. 



Sincerely, XXXX. 
XXXX, XXXX. 
XXXX XXXX, Virginia XXXX * : XXXX XXXX : XXXX, ext. XXXX : XXXX XXXX fax XXXX XXXX in XXXX and Maryland XXXX '' Any help or direction you can give me to get this cleared and off my record is greatly appreciated. LTD Financial Services has not communicated with me to resolve, only to continue to collect this paid debt.
Product: Credit card

For the second time, Bank of America turned off the email alerts I normally receive that alert me that my monthly bill is coming due. For multiple months, I did not receive this alert and now my bill is past due. I have more than enough money to pay the bill and have now done so, but I incurred late fees and charges that I should not have.
Product: Debt collection

I have received notification of a debt collection added to my credit report but have not been contacted by phone or letter regarding the validity of the account claiming to collect. 

Debt Collector Lewis McDonnell & Asso Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Balance {$460.00} In accordance with the Fair Credit Reporting act for the following Lewis McDonnell & Asso Account XXXX XXXXXXXX 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
Product: Debt collection

Enhance Recovery Company has placed a collection on my credit profile claiming that I owe {$130.00} to XXXX. I have never had services with XXXX. Please remove this erroneous collection immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been able to get a copy of my free credit report. I have to either purchase some form of fake credit protection, WHICH IS A MAJOR LAUGH, or I have to tell XXXX XXXX what is exactly on my credit report. Experian is always down and not function. All I want to do is get my free credit reports which I am entitled to by law and I want the right to print out my credit report. 

IT IS DUE TO THE ACTIONS OF THE CEOS OF THE CREDIT REPORTING AGENCIES THAT ALLOWED THE BREACHES TO HAPPEN. WE THE VICTIMS SHOULD NOT HAVE TO CONSTANTLY PAY FOR WHEN THE CEOS PLAY. 

I absolutely refuse to provide a copy of my drivers license or social security card or some other form of identification to prove who I am. These credit reporting companies should be investigated under the RICO statute due to the roadblocks they put up to keep the consumers from cleaning up the credit reporting agencies mess they created. 

I am a victim of identity theft already, so what more damage can be done to my credit report if I do not provide proof of my identity. I should not have to tell XXXX XXXX what the XXXX is on my credit report since I don't know what is on it. I will say this and stay by what I am about to say. XXXX HAS MORE CREDIBILITY THAN THE THREE BIG CREDIT REPORTING AGENCIES. 

Click on this link and see what me and millions of people have to go through with the Credit Reporting Agency scams. 

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

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 30 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX Date of Last Activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX XXXX XXXX XXXX Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections.

Thank you,
Product: Credit reporting or other personal consumer reports

I modified my mortgage through XXXX XXXX XXXX on XX/XX/XXXX and received a cancel debt for {$58000.00} which don't state it nowhere in the mortgage note, I've called serval times and talked to an XXXX XXXX  about the balance and canceled debt, she stated that the balance shouldn't be that amount and also told me that mortgage had been sold to XXXX XXXX XXXX, I have been emailed XXXX for them to explain but the only them they explain is the note. I have not been late or behind in mortgage since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently view my credit report and notice a unathorized credit inquiry made by XXXX  on XX/XX/2022 2022
Product: Checking or savings account

SOMEONE STOLE A CHECK AND DEPOSITED INTO MY ACCOUNT WITHOUT MY PERMSISSION AND IT HAVE CAUSED OVERDRAFT FEES AND ALSO CAUSED ME TO BE IN DEBT TO US BANK. I DID NOT ALLOW THIS PERSON TO DO THIS TRANSACTION AND USE MY ACCOUNT, IT WAS DONE WITHOUT MY KNOWLEDGE AND I DON'T KNOW WHO DID IT.
Product: Debt collection

report paid in full i file a disputed on transunion credit rental data also they said they can not update my report even whit the paid in full letter call later to the debt collectors and they said they only can do a letter for me thats all they cant do anything about it still show in my credit report in rental area
Product: Credit reporting or other personal consumer reports

During the first week of XX/XX/XXXX we applied for a loan with an institution that only uses TransUnion for credit reporting. 
I was notified by this lender that TransUnion had misentered my social security number by one digit. Their direction was that I was to contact TransUnion directly for the correction. 
TransUnion had me write a letter explaining the problem along with giving them the correct digits. I wrote this letter and mailed it through USPS certified, priority with signature required on XX/XX/XXXX. As of XXXX they still have not received it as well the tracking number provided by USPS shows still out for delivery. 
TransUnion told me on XX/XX/XXXX through a mailed letter that I needed to mail them a photocopy of my SS card. How could I do this in confidence when they still haven't received my certified letter! 
When I expressed my concern to TransUnion on XX/XX/XXXX I was told that I could fax them a copy. On XXXX I received a call from TransUnion as a satisfaction survey I explained my frustration and then I was told they haven't had a fax number in years! 
I was then instructed by the agent to file this complaint. Contractors are still on hold and the funding institution has denied our funding due to the time-line this has taken.
Product: Vehicle loan or lease

I have called toyota financial a lot of times for then to give me a lower payment or help me out with a different car instead of this one. They asked me if I had an insurance then proceeded to tell me they couldnt help me out in that aspect. Whenever i would ask what kind of help I could recieve with the circumstances, they told me I could get Zero help. I had to explain to them i had no job at the time and asked for a lower payment and they couldnt help me out with lower payments or taking the car back. So I had to forfiet the car. Now theyre telling me theyre going to auction the car and make me oay whatever the difference is once they sell it. I dont find it fair and i cant afford to pay my bill now so i dont understand how they expect me to pay after. I believe they made me sign a lot of things I wasnt aware of when i bought the car, they didnt talk me through everything I signed. The last time I spoke to them they said theyd do whatever they can to ruin my credit.