23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

after terminating my lease on XXXX XXXX and paying the required early termination fee, I received a move out statement that included unexpected charge. I never broke a countertop and requested XXXX XXXX to send me a detail proof, which they ignored and placed me on collection, then i sent them certified mail asking for the proof and they ignored again. 
all apartments look the same, i demand XXXX XXXX send me a video that incident occurred in my apartment # XXXX please remove the collection from my credit. it should not belong to me!
Product: Debt collection

The XXXXXXXX XXXX XXXXXXXX XXXX in Ohio has been operating a Speed Camera system. In XX/XX/XXXX, the camera system identified I was allegedly speeding through the XXXX. I was fined {$95.00} and was due to pay this fine by XX/XX/XXXX. I paid the fine by check ( copy of check and original fine notice attached ) on XX/XX/XXXX. I then received a second notice saying I now owe {$180.00} for the same violation. I finally reached someone who could speak with me about the situation and I was able to show that I had in fact paid the original notice. My contact was with a contact at a company called XXXX XXXX XXXX. XXXX XXXX XXXX apparently collects payments on behalf of the XXXX XXXX XXXXXXXX XXXX. Attached is email communication from XXXX XXXX XXXX confirming I paid my debt and the issue is resolved. The date is XX/XX/XXXX.
On XX/XX/XXXX, I received a third collection notice now from a company called Municipal Collections of America , Inc . They claim I owe {$240.00} for the same alleged violation in XX/XX/XXXX to the XXXX XXXX XXXX XXXX. 

This complaint is against the XXXX XXXX XXXX XXXXXXXX and not the collection agency. I understand the collection agency has purchased the debt from the XXXX XXXX XXXX XXXX. I have sent a demand letter to the XXXX XXXX XXXX XXXX requiring a letter from XXXX XXXX confirming the debt is paid and that all erroneous information has been removed from any and all systems. 

I 'm tired of this harassment. The issue of XXXX XXXX 's speed camera system is before the Ohio Supreme Court being considered unconstitutional. The collection practices of the XXXX XXXX XXXX XXXXXXXX are a violation of the Fair Debt Collection Practices Act ( i.e. abusive and unfair ).
Product: Mortgage

i submitted a loan modification to the select loan servicing because i do n't know who the lender is, anyway the request was received and the lender confirmed it a few months ago in which my documents were sent in by fax several times and there was someone assigned to the file, buti just received a sale notice posted on my door for a sale date on XX/XX/2015while my loan was in the process of a loan mod!!!
Product: Mortgage

I went through a mortgage broker after I closed my house I was told Freedom Mortgage was to be my new lender. As part of the closing of the house, my flood insurance was prepaid for XXXX years, home insurance for XXXX year, and property taxes paid for the quarter. This information was enclosed from a letter, fax, and telephone from myself and my insurance provider. They misbilled my escrow for an entire year. I spent dozens of phone calls, emails, ect which is more of an incompetence and customer services issue. So after the required XXXX year period I asked to be removed from escrow and was denied. I just got a letter XXXX weeks before my payment is due that my loan payment increased by over XXXX XXXX to combat an increase in my flood insurance for the year. I immediately called to correct them and it was taken care of. XXXX weeks after my XXXX XXXX payment I was contacted by collections saying I had missed my payment. Of course I check my bank statement and there it is. I call again and start the process all over. My new payment is due, my credit is in ruins, and I have been bounced from deptartment to department without settlement. First off a XXXX XXXX increase in a mortgage payment is criminal and should have raised eyebrows, but now i dont know how to fix it because obviously no one in the company is helping me. I cant make my payments, i cant send more evidence of prepayment. My taxes are unchanged and my homeowners insurance increased by XXXX dollars for the year.
Product: Checking or savings account

I am writing to formally lodge a complaint against Sofi Bank regarding its failure to comply with the requirements of the Servicemembers Civil Relief Act ( SCRA ) and Fair Banking regulations. The specific details of the violations are as follows : 1. SCRA Violation As a [ servicemember or family member covered under SCRA protections ], I am entitled to certain rights and protections under the SCRA, including but not limited to : The reduction of interest rates on qualifying debts to 6 % while on XXXX XXXX. 
Protection from foreclosure, repossession, or other adverse financial actions without court approval.

Sofi Bank has failed to honor these protections in the following ways : Unauthorized transactions, not returning deposits back to sender when required. Taking actions against accounts when complaints are filed.

These actions are not only a breach of the SCRA but also indicative of a disregard for compliance with federal regulations intended to protect servicemembers. 

2. Transactional and Account Issues In addition to the above, I have encountered the following transactional issues that appear to violate Fair Banking practices : See previous complaint Requested Resolution I request that Sofi Bank take the following actions immediately : Conduct a thorough investigation into the above violations and provide a detailed response explaining the actions taken.

Correct any errors or violations identified, including refunding any improper fees, reducing interest rates, and ensuring compliance with the SCRA and other relevant regulations.

Provide appropriate compensation for the financial and emotional harm caused by these violations.

Implement measures to ensure future compliance with all applicable laws and regulations. 
Conclusion Sofi Bank 's actions are unacceptable and undermine the trust that customers place in their financial institutions. I urge the relevant regulatory authorities to investigate this matter and hold Sofi Bank accountable for its actions.
Product: Debt collection

On XX/XX/XXXX, a collection amount appeared on my ex-husband 's credit report. He contacted the Financial Accounts Service ( FAST ) team and spoke with a representative named XXXX. XXXX informed him that they had several collection accounts on file for us and had affidavits prepared for court. 

One account was for a rental instrument from a school band. We returned the instrument on the same day ( XX/XX/XXXX ) to the rental company. The rental company confirmed that they would speak with FAST, moments after I returned the instrument, a FAST representative XXXX called me. 

I informed him that I had just returned the item and wanted to send proof. I requested an email address to send the documentation. He became combative and aggressive, talking over me. When I attempted to provide my email address, he interrupted and mentioned the name of an old employer, irrelevant to the situation. He then refused to speak with me further and transferred me. 

The second representative was equally combative. He refused to send any documents via email or fax, offering only to send an account balance letter to a physical address. I provided my work address, but he refused, citing " third-party disclosure '' concerns. I reiterated my request for all documents, not just a balance statement. He then claimed he couldn't provide any documentation because I was outside of a " validation period. '' I never received any prior notice about this debt. I explained this to the representative, but he brushed it off, suggesting I might have thrown away the notices. He then brought up another medical debt and told me to " pay my bills. '' Finally, after repeated requests, he provided an email address for me to send proof of the returned instrument. 

I requested a reference number for the call, but he claimed they don't provide them. When I asked how to reference the call if I needed to speak with a manager, he claimed to be the manager. I requested his last name, but he only gave his first name, XXXX. 

This collection agency is reporting nearly {$4000.00} in debt on both my and my ex-husband 's credit reports. Neither of us received any prior notification from FAST regarding these debts. 

Details : XXXXXXXX XXXX XXXX  ( XXXX  ) : XX/XX/XXXX - {$1900.00} ( This date seems like a possible error, considering it's in the future ) XXXX XXXX  : XX/XX/XXXX - {$790.00} XX/XX/XXXX - {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a closed account and I would like it taken off my credit report and they will not let me. XXXX has removed it why will experian not?
Product: Vehicle loan or lease

i when to ford house in XXXX XXXX tx, was approve for the loan on an XXXX, then my salesperson said he do a bait and switch to a XXXX, i saw the XXXX  after signing all papers and informed i didnt like it also XXXX XXXX XXXX  said bad transmission on them. I did not tk delivery of vehicle and mail all papers bk to them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian and the XXXX XXXX furnisher for inaccurately reporting late payments on my Auto Loan account with account number XXXX. 
This incorrect information in my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection Against Non-Payment of Obligations Act ( PAANL ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

1. FCRA : The credit bureau and the information furnisher have failed to ensure the accuracy of the data in my report, and the incorrect information continues to appear despite my request for a manual and thorough verification, as required by the FCRA. The lack of manual investigation, as well as possible reliance on the automated E-Oscar system, constitutes a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic billing statements within the legal timeframe of 21 days before the payment due date, which has resulted in the incorrect reporting of late payments. I request the provision of records demonstrating compliance with TILA requirements, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5.

3. UDAAP : The inaccurate information regarding my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under UDAAP regulations overseen by the CFPB.
Product: Credit reporting or other personal consumer reports

The following hard inquiries should not have been placed on my credit report by the Experian credit reporting agency as follows Also remove the following hard inquires as well as this address that us showing on my report which isn't my address XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX Automobile Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX Automobile Dealers XXXX New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX  Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX Automobile Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX Automobile Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Financing XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX  XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX Experian XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Companies - non specific XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX Not Elsewhere Classified XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX Automobile Dealers, New XX/XX/XXXX Experian XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX Experian XXXX XXXX Automobile Dealers XXXX New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Companies - non specific XX/XX/XXXX Experian XXXX XXXX  All Banks - non specific XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX Companies - non XXXX XX/XX/XXXX Experian XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX Automobile Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX Automobile XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX  XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX Automobile Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX Finance Companies - non specific XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian
Product: Checking or savings account

I bought a ticket ( amount of {$3500.00} ) for a festival in XXXX XXXX expected to hold on XXXX XXXX from a company called XXXX using my Citibank debit card on XX/XX/2021. The organizer of event canceled the event on XX/XX/XXXX due to COVID-19 pandemic and promised to refund. I applied for the refund on XX/XX/XXXX but alas, the merchant XXXX refused to refund till date. 
I contacted Citibank of the issue and provided all the documentations to back up my dispute. I provided letter showing events was canceled, email exchanges with the merchant promising to refund but didnt ( all evidence attached ) and asked Citibank to investigate the matter and help recover money from merchant since I used my Citibank debit card. 
It is with disappointment that I received a letter from Citibank dated XX/XX/XXXX ( attached ) that they are unable to investigate the dispute because too much time has passed and they encourage me to seek the refund directly from the merchant. I consider this lazy and ridiculous despite providing all evidence to Citibank that merchant was deliberately holding the funds and not trying to repay, despite canceling the event. 
I am very sad being treated in this manner despite being a Citi customer for 11 years. I even contacted my Citibank relationship manager, XXXX XXXX, to intervene in the matter with no luck. This transaction is supposed to be the easiest to resolve since the merchant canceled the event and promised to refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

all ftc violations reported : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice $ XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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. 


Equifax 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: Mortgage

XX/XX/XXXX and XXXX, XXXX, Loan Depot withdrew two payments for my first mortgage payment XXXX XXXX XXXX. XX/XX/XXXX, I asked for the money to be returned immediately as I needed it. Told it would take 7-14 days, I had no choice. Asked for manager wasnt provided one. Called?, because I received statement via mail that unauthorized payment applied to XXXX. Told customer rep I needed the money and was reassured it would be returned via bank account no later than XXXX. XX/XX/XXXX, asked where money was. Told it would be mailed and arrive at end of month - I was hung up on. Called back, told would be in bank account in 24-48 hours. XX/XX/XXXX, told via voicemail hopefully arrival by XXXX and to call back if not received by mail. Cant get any management by phone or a corporate number. I have been assessed a bank fee of {$25.00} due to this issue. It should not take multiple calls or this duration of time to get significant money back ( {$3500.00} ). I am going to dispute withdrawal with bank as I need some financial relief for bills now. Someone should look into this practice of holding money this long that was taken in error. They dont care!
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States i have 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.

15U.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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- ( 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. 


I ask many times for proof of signature of contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that this account belongs to me, However XXXX refuse to send me any proof of contract with my Signature to verify it mine account.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts below to be verified with my signature or be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX at XXXX I deposited a cashier 's check for {$28000.00} into a US Bank joint checking account with my name and my wife 's made out to my wife from a trust in her name. She endorsed the check. Our intent was to transfer a portion to our other checking account for which we had checks to pay our flooring contractor. Our funds were not made available until XXXX XXXX. I wrote a check XXXX XXXX and it was returned as an overdraft on XXXX XXXX. We have been customers for years and our accounts were established more than 6 years ago. I requested my local branch to credit my account the over draft fees and they asked me to call the branch at which we initially established the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from credit karma that there was a hard inquiry on my credit, but I do not recognize the company running the hard inquiry ( US Bank ) or know why they would perform a hard inquiry on my credit without my consent ( nothing in my life currently would require a hard inquiry ). I believe this might be a fraud situation, which is why I'm filing a complaint.
Product: Credit reporting or other personal consumer reports

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

In accordance with the fair credit report Act. The list of accounts below has violated my federal privacy and confidentiality under 15 USC1681 This accounts are under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602a States I have the right to privacy 15 U.S.C. 1681 section 604a section 2 - It also states a consumer reporting can not furnish a account with out my written instructions 15 U.S.U. 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make a consumer report containing any of the following items of information.Any other adverse items of information, other than records of conviction of a crime. Which antedates the report by more than 7 years 15 U.S.C 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer report Agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting

I have been reviewing my credit files and noticed that Chase Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.