23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. Please check the dates on the accounts the start dates are different in other credit bureaus such as XXXX and XXXX.
Product: Mortgage

We recently went through the process of trying to purchase a home with Rocket mortgage. Everything was going well until two days ( XX/XX/XXXX ) before our closing date XX/XX/XXXX, Rocket told us that information about our employment was not sufficient. 

We submitted the letter on XX/XX/XXXX and was fully verified on XX/XX/XXXX, but was letter approved earlier. We submitted another letter XX/XX/XXXX, upon request of Rocket, and a revised letter on XX/XX/XXXX. We were told on the XXXX the letter was insufficient. 

On XX/XX/XXXX, We asked Rocket to provide a signed letter by the end of the day ( requested in the morning ) to submit with the cancelation of the contract to receive our earnest money back. They sent the letter unsigned at XXXX XXXX. Our realtor submitted a request past XXXX XXXX  due to the tartiness of Rocket. 

We paid an extension of the contract of {$370.00} on XX/XX/XXXX. The terms of the letter were very clear about the time frame of my employment. We might also forfeit the {$1000.00} earnest money due to Rocket Mortgage unable to send a letter in a timely manner. 

Rocket Mortgage reviewed the letters and said they should be sufficient, but when reviewed by a different team they denied the letter. 

We were purchasing a house interstate, have XXXX  young children. Rocket 's process in closing is last minute, and unprofessional.
Product: Debt collection

I received a letter from  ARS tha t was supposed to be validation of debt. Instead I received a paper with a misspelled name, a date, invoice number and amount. My HIPPA rights are being violated because I 've never entered into any type of agreement or receive d medical services with or from ARS. They did  not provide proof of the debt ither.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX  XXXX was never late! I have had exceptional payment history with 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 months that reported late 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 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 or other personal consumer reports

To Whom It May Concern, it appears that account : XXXX Account # on my credit report has been charged off, but I noticed that you have not sent me XXXX. I requested a my copy of the XXXX for cancellation of debt for this item due to my financial hardship. Ive gone through a serious hardship and this will help me with my credit in the future. 
In additiona, upon careful review, I noticed several strange items on my credit report that include, but are not limited to, the last date of payment, the account number, the account balance, dates restarted and other unfamiliar items on my report.
Product: Mortgage

I have on multiple occasions called and spoke with the CSRs as Ditech Financial regarding my extra payments to go to principle only. I have included the memo on the checks and have asked them to add it to the account. I sent in 2 checks this month XX/XX/19 for XXXX and on XXXX for XXXX. Instead of applying the extra towards principle as requested they applied it to the escrow account and next months payment instead. I would highly recommend anyone thinking of getting a mortgage from Ditech to think again, they are by far the worst customer service I have ever had to deal with. I continually get letters from them saying they are looking into an issue I messaged them about 2 months ago over the same issue. I will for the 4th time call them and ask them to put the funds in the proper account.
Product: Credit card or prepaid card

To Whom It May Concern : Dear Sir/Madam : I am an Attorney at Law residing in XXXX, Texas, located in the XXXX XXXX. 

( 1 ) On XX/XX/2021, I purchased a set of books from Mr. XXXX XXXX aka XXXX on XXXX. I paid {$1000.00} using PayPal Credit provided by Synchrony Bank ; ( 2 ) On XX/XX/XXXX, I received the items via USPS ; ( 3 ) I open the package immediately and found significant damage to the book bindings ; ( 4 ) This material fact was not disclosed on the XXXX site or during any communication with the seller ; ( 5 ) After several back and forth, the seller agreed to take the item back and provided me with a XXXX issued USPS label with tracking number XXXX ; ( 6 ) During this time, I called XXXX and PayPal Credit and informed them about the issue. They both asked me to file a dispute and not to cancel either to be safe. I had several agents from both the companies advise me to keep both disputes open ; ( 7 ) XXXX and PayPal credit both have warranties and buyer protection program, sympathized with my plight and they assured me every time the matter will be resolved within a few days, and I will have my refund {$1000.00} soon ; ( 8 ) On XX/XX/2021, the buyer received all the return items and personally signed for them ; ( 9 ) On XX/XX/2021, PayPal Credit aka Synchrony Bank refused the refund although I had repeated informed them during my prior calls that the buyer has the items in his possession ; ( 10 ) So, I waited on XXXX to resolve the matter and on XX/XX/2021, they are denying my money back claim because I have opened another claim with PayPal credit and that I should contact the, only. ( 11 ) However, XXXX never contacted me and looks like PayPal credit in the previous 90 days negligently failed to confirm with PayPal credit to see that XXXX had already closed their case ; ( 11 ) I contacted XXXX immediately and re-opened my dispute ; ( 12 ) Today, on XX/XX/2021, I received a secure email from Synchrony bank aka PayPal credit with a letter dated XX/XX/2021 ; ( 13 ) They denied the claim because the merchant aka XXXX has provided some information stating that I have entered into a contract to pay them the money ; ( 14 ) I never agreed to any such thing especially when I do not even possess the merchandise. 
( 15 ) I have been tossed around between XXXX and PayPal credit for the last 6 months without any resolution and now made to pay for something I do not even have in my possession and that has been returned to the buyer with proof of receipt. 
I am frustrated, worn out, distraught and suffering from severe anxiety over this matter and have been taking medication to calm my nerves. Please help.
Product: Debt collection

I have an account that is placed in collections for a medical bill, I have no way to get a hold of the company where this is from due to not receiving any bills from this at my add. I do n't know when this bill was applied since I have n't been at a hospital in a long time, I have n't had any emergencies occur. I 'm also not able to place a dispute as my XXXX does n't let me it says I need a account number that I do n't have, please help me out. Thank you
Product: Debt collection

In applying for a home loan it was discovered I have a public record, from 2010, for XXXX XXXX which is no longer in business. I did confirm with the courts that this appears to be a collection from Providian National Bank which is no longer in business. The courts have no documentation/affidavit that I was ever served with this judgment. There is a garnishment on file with a company ( XXXX ) that I have never worked for. I do n't have any documentation or validity of this debt. No one can seem to provide me with any information or documentation that this debt belongs to me. This judgment is also listed in my nickname, not my legal name. I would like this judgment removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting proof of payment to Transunion several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in XX/XX/2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX of this year, I was promised by American Express that an incorrect reporting on my credit report would be re-aged ; I had promised to pay the account in full. I was told this process could take up to 30-60 days however but by XX/XX/XXXX this was not resolved and I resent a fax outlining this issue. No effort has been taken by the company to resolve this customer service issue and instead the company has kept charging late fees and interest charges.
Product: Prepaid card

Received a {$100.00} pre-paid American Express credit card as a bonus from my employer ( which I am being taxed for ) on Monday, XX/XX/23. I attempted to purchase a {$99.00} order from Amazon that same day using the card. On XX/XX/23, a {$0.00} transaction from Amazon was made on the card which is still there on the American Express website, but on XX/XX/23 I received an email from Amazon saying the purchase was declined. I then attempted to make a {$95.00} purchase on Amazon to load my account 's gift card balance but that also was declined. There are no transaction logs or any other information on Amex 's website to indicate why the transactions were declined, and all transaction amounts were lower than the available balance on the card. Lastly, I tried to link the Amex card to my Paypal account and it did not even allow me to link it. At this time, my balance is still {$99.00} due to the {$0.00} transaction for a purchase that was ultimately declined.
Product: Checking or savings account

I have been dealing with Bank of America on a daily basis regarding charges to my account that were not made by us. This started in XXXX that I noticed things were getting tight and my mortgage amount of {$1100.00} kicked out as insufficient funds which didnt make sense to me but ok something cleared that I wasnt aware of so I had my sister send me via XXXX XXXX amount {$110000.00} and I had XXXX XXXX try again a I had spoken to the company directly and they said it took and gave me a confirmation number and I thought we were ok but till now I still see them sending it back. Through numerous emails and calls I was really upset.I touch base with Bank of America again in writing now XXXX was approaching. And I was panicking as some of my written payments to other companies were kicking out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment on my XXXX XXXX  for credit cards for XXXX  and I could not pay my car payment or my car insurance which has now closed me out and cancelled my policy. So I get paid by Social security on the XXXX Wednesday gon na get my self redo. I went to the bank on the morning of XX/XX/XXXX and withdrew {$1100.00} and carried the cash over to XXXX XXXX  and they excepted it for XXXX and I can seem to get any help. 
I contacted the bank again and discussed what could the problem be.?? 
I got no results I have been sick over this. In XX/XX/XXXX my husbands check hit our account for XXXX as a positive number. I took a nap and when I check my account it was now negative - {$1800.00}?? I have been asking how can they do this use the XXXX XXXX check and allow that many charges in one day?? '
Product: Student loan

I applied for financial aid, a private student loan, from XXXX XXXX in XXXX or XXXX of XXXX On XX/XX/XXXX I received a disbursement in the amount of {$7700.00} With an interest rate of XXXX XXXX the total accrued interest is {$8200.00} Repayment of the loan began on XX/XX/XXXX. 

CFPB obtained a judgment barring XXXX from offering or providing student loans. 

Currently this loan is being serviced by Navient. 

On XX/XX/XXXX I was informed by the Department of Education that " XXXX Department of Education ( " Department '' ) has determined that the loan ( XXXX ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XX/XX/XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( XXXX ) will be forgiven. You do not have to make any more payments on the loan ( XXXX ). '' Additionally XX/XX/XXXX Navient reached a settlement in regard to these kinds of personal loans. 

Navient has placed all Federal Student Loans from XXXX in my name in forbearance in accordance with the legal outcome, until they can be fully XXXX. The private loan has been paid to a remaining balance of {$1700.00} as of today, XX/XX/XXXX. 

For clarification, of the {$7700.00} principal and {$8200.00} in accrued interest, {$14000.00} have been paid against this predatory loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters in XXXX 2017, XXXX  2017, XXXX  2017 .... These companies still have fraudulent information on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently disputed these accounts but the major credit bureaus did not take proper action. Nor did the 3 major credit bureaus provide me with any signed physical documentation that will support their reporting as oppose to an electronic Verification inwhich will appear as though the accounts are mines but they are not and until you provide me with physical documentation along with the Method Of Verification, then this accounts shall be blocked immediately and this is my rights as a consumer. Please remove these accounts immediately, [ 1 ] XXXX XXXX XXXX, [ 2 ] XXXX XXXX XXXX {$470.00}, [ 3 ] XXXX XXXX XXXX XXXX.
Product: Debt collection

The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as XXXX XXXX and Midwest Recovery, their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX  of XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX  files permanently. 


Account Info Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$870.00} {$600.00} Payment Info Original loan amount {$600.00} Balance {$870.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Credit reporting

XXXX is reporting incorrect negative information to Experian. There was XXXX semester where I was out of school due to a military ordered relocation. I contacted XXXX months before the move to inform them of my upcoming semester absence from school. I was told that I would not have any required payments unless I took more than XXXX consecutive semester off from school. I promptly registered and attended the next semester of school, and I did not think there was any issue. Upon checking my credit report, I noticed that XXXX was reporting late payments for that period. I disputed the item and it came back as " valid ''. I contacted XXXX directly and was told to write a handwritten statement and mail it via USPS, which I did. XXXX sent a letter back that the negative credit information was valid and they would not remove it from the credit report. I again attempted to dispute the item with Experian and it was again found " valid. I do not feel this is in any way fair, I was told that I was not required to make payments for that period and did not receive any notification indicating otherwise. The representative I spoke with apparently had no idea what she was talking about, and should have placed me in a " deferment '' status, rather than telling me that I wouldnt owe any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer credit reporting agencies are violating the FCRA. Pursuant to 15 u.s.c 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 u.s.c 1681 is the same as it is under 15 u.s.c 1602 ( I ), which is " the term " credit card '' means Any card, plate, coupon book or other credit device existing, for the purpose of obtaining, money, property, labor, or services on credit. '' Notice Congress said Any card. The credit card is my social security card. I used This credit card to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 u.s.c. 1681a ( 2 ) ( B ). The reporting agencies are violating 1681a ( 2 ) ( A ) ( i ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under Title 15 chapter 41. 

XXXX XXXX account number ending in XXXX balance {$1200.00} acct # XXXX balance {$1200.00} XXXX XXXXXXXX account number ending in XXXX balance {$2100.00} acct # XXXX balance {$2100.00} XXXX XXXXXXXX account number ending in XXXX balance {$320.00} acct # XXXX balance {$320.00} XXXX XXXX XXXX XXXX account number ending in XXXX balance XXXX XXXX XXXX account number ending in XXXX balance {$10000.00} acct # XXXX balance {$10000.00} XXXX XXXX XXXX  account number ending in XXXX balance {$800.00} acct # XXXX balance {$800.00} XXXX XXXXXXXX XXXX  account number ending in XXXX balance {$500.00} acct # XXXX balance {$500.00} These are violations!
Product: Credit reporting or other personal consumer reports

To whom this may concern, The response to your research is something I strongly disagree with. The following inaccurate information is still on my credit report even after your examination. There are good reasons why I ask that these things be looked into again right away. The impact of these errors on my credit score is substantial.

Furthermore, I require tangible proof of the information being validated rather than a computer-generated affirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D.

Could you please supply the following?

For me to follow up, please include the names and business addresses of all the people you checked the information with.

The date that you got in touch with each information provider.

the communication channel that was utilized to confirm the data.

Additionally, I would like to know if the furnisher gave you my address, DOB, or SSN.

Please send me an updated credit report after you've finished your inquiry and made the required changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I have asked in a letter, Equifax, XXXX and XXXX to remove the bankruptcies and correct my Name, phone numbers and addresses.