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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g 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 1681i ( 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get a loan with XXXX XXXX because Fifth Third Bank Mortgage is reporting on my credit file that my mortgage is deferred. I have been paying my mortgage monthly, and have never been late. I have never asked for a deferral. I went to a local Fifth Third branch, and they show zero deferment. Fifth Third local branch suggested I call the Fifth Third mortgage division. The mortgage division indicated that XXXX automatically applies 'mortgage deferred ' to all accounts within a disaster zone. We are located five minutes from XXXX, while we did have two hurricanes this year, we did not have a disaster, and we certainly did not ask for deferment of our mortgage. I suspect that XXXX qualifies accounts for deferment, and I suspect the bank deferred our payments without our knowledge and are collecting interest on those payments. 

I can not get a loan until this is removed. Fifth Third mortgage indicated it would take 50 days to have this removed - I've never asked for deferment, and have never been late on payment. This will cost me at least {$1500.00} in lost time and other payments. Can provide information if necessary.
Product: Credit reporting or other personal consumer reports

I had 2 student loans with XXXX. They were transferred to XXXX. Now both XXXX and XXXX are both showing on my credit report. You can clearly see they are the exact same amount. I filed a dispute with Experian and they closed the dispute leaving both sets of loans on my credit report.
Product: Credit reporting or other personal consumer reports

Trans Union continues to IGNORE my request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). I requested rthe name ( s ) of the persons that your agency spoke to along with their address and telephone number.

Trans Union sends me XXXX form letters instead that does not contain any of the information that I requested under FCRA 611 ( a ) ( B ) 6 ( ) ( iii ).

In my request in accordance with this LAW, I requested all the records that would reveal ALL the procedures used that led to the 3 accounts that appear illegally on my credit report without my written instructions and thereby are an invasion of my PRIVACY as FCRA 602 states I have a right to privacy.Additionally, FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions .I submitted my disputes CFPB # XXXX on XX/XX/year> Accounts : Trade : Portfolio Recovery # XXXX. Trade : XXXX XXXX XXXX XXXX accounts have also been illegally re- aged and appear on my report without my written instructions that also violates my privacy rights because neither account should be reporting without my written instructions in the first place. I disputed another account that was also RE-AGED as well as placed on my report without my written instruction because I gave no written consent to Trans Union for this account to report. 
I also disputed this account Trade : XXXX XXXX XXXX XXXX CFPB XXXX XXXX few times, and it was verified each time but each time my request in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) was IGNORED by Trans Union and I was sent a XXXX form letter each time that did not contain the information requested by LAW FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and Trans Union on occassion ignored the timely 15 day requirement. Again, REMOVE these accounts from my Trans Union Credit Report. 
Again, I am keeping careful records regarding my being a victim of your company and I am a sick man but I will continue to fight to have these accounts removed. I am sick and yet up at XXXX submitting yet another complaint.
Product: Debt collection

National Enterprise Systems has no Authority to contact me or request any payment from me and I the consumer has a right to privacy, I never gave the debt collector my address, phone number or any information.
Product: Credit card or prepaid card

Bank of America ( Credit Card ) was notified of my hardship shortly after being laid off from work on XX/XX/XXXX. Month after month Bank of America continued to insist that only my full monthly payment ( {$450.00} ) was to be accepted. I emphasized my hardship being unemployed however I mentioned to them that I could make smaller payments to maintain some degree of repayment. Their reps would only ask if I had someone I could borrow money for payments. At one point I even mentioned I could make half the payment at {$200.00}, but they didn't take it over the phone. I stated to them that there are FFIEC Uniform Retail Credit Classification Policies and Guidelines which address financial hardships and provide the flexibility to restructure the debt to maintain repayment in light of a hardship. Please see below as it is a section of that very same policy that financial institutions must follow. There was no need to charge off my account and destroy my credit rating as I have maintained a FICO score of over 750 for 20+ years, and more so given my excellent repayment history with BOA since being a customer in XXXX. I showed a willingness to discuss a workout option to continue payments. I spoke to an agent three days prior to being charged off and they never stated a payment had to be received by a certain time to avoid charge off. They can listen to that recorded call as well. I called at the end of the month one evening to make a payment but they said it was too late as payment should have been made earlier in the day. 

FFIEC Uniform Retail Credit Classification Policies and Guidelines Re-Aging, Extensions, Deferrals, Renewals, and Rewrites Re-aging of open-end accounts, and extensions, deferrals, renewals, and rewrites of closed-end loans can be used to help borrowers overcome temporary financial difficulties, such as loss of job, medical emergency, or change in family circumstances like loss of a family member. A permissive policy on reagings, extensions, deferrals, renewals, or rewrites can cloud the true performance and delinquency status of the portfolio. However, prudent use is acceptable when it is based on a renewed willingness and ability to repay the loan, and when it is structured and controlled in accordance with sound internal policies.
Product: Debt collection

I paid {$200.00} towards the debt by mailing a check XX/XX/2021. The check has yet to be cashed. Now they filed and won a garnishment hearing without my knowledge and against fdcpa protocol. 
They demanded my income, when this is only a payback. Threatened my job saying garnishment can cause my employer to fire me. They stated by law I have to do as they command. 
This has caused stress now that Im being bullied to the point I dont eat well or sleep well. This is so stressful that Im trying to pay them. Yet they want this to go to court to get my information. They are representing Huntington National Bank and are a lawyer. XXXX, XXXX and XXXX Only one communication from them. An address to mail payments. No online portal. No over phone. They are making it as difficult as they can and bullying me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. Two months ago I filed online disputes with all three credit agencies because my student debt had been forgiven by the department of education two years ago, but was still on my credit report, seriously affecting my credit score. Call the Department of Education who said theyd notify all three bureaus.Ive been trying to buy a car and have to finance some of it. Finally found a vehicle and queried my credit scores. Score was fair with all three bureaus due to Equifax showing the debt still active. Their automated system said they had no dispute for me. Credit simulator said that if that debt was not still listed on my report my score would go up 30 pts to good, which has a significant impact on my ability to get a loan at a good interest rate. I could not access my account on Equifax, said forgot password, response was there was no account set up. Tried to set up an account two times, response was an account with my email address already existed. Finally tried to call them and was on hold for 58 minutes until I hung up, two minutes before they were set to close. Theres no way you can contact them by email unless you can access your account. When I called back today I was given the option of having my call returned. I was Told that I had login issues because I wasnt using XXXXXXXX XXXX and that my VPN was enabled. Suggested that if those were the requirements, they should be noted on the login page. Filed my dispute online and was told it could take up to 30 days for them to investigate it, then they would mail a letter to me about it. Its 2022 and theyre communicating critically important information to me by XXXX. Really? Until then, the debt remains on my credit report from Equifax and my score is low. Was told I could not expedite the dispute for any reason. 

Need to take delivery of a car today, but financing is based on my score of fair, which is totally related to Equifax. I will be forced to Take out a loan at a higher interest-rate. It shouldnt be this hard to get login help, Browser and VPN information should be on the login page, and I dont understand why they didnt process the loan forgiveness information from the department of education two months ago. I am extremely upset.
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 the consumer financial protection act. Specifically cash app failed to take timely and effective measures 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 and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Balance : {$28000.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX  Delete this account.
Product: Credit card or prepaid card

On XX/XX/21, Paypal Credit who is DBA Synchrony Bank, denied me my credit when i asked for a credit limit increase. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1691k. I have proof that Paypal Credit/ Synchrony Bank denied me of my own credit. Which is actually listed which sums up to an invoice {$40000.00} for said violations. ( {$10000.00} per violation which there was a total of 4 )
Product: Debt collection

A company called a said that someone came to my home to serve me papers for being sued on this issue. They threatened to come to my work and said that I had to pay in full today. I told them I have no money to pay the debt off.
Product: Mortgage

A loan for $ XXXX was signed onXX/XX/XXXXfor solar panels. The initial disbursement of $ XXXX was for material around XX/XX/XXXX. The panels were installed by XX/XX/XXXX but the operating panels were never installed and to this day I dont have operating solar panels. The permits were never obtained. I paid Mosaic regardless until XX/XX/XXXX when they told me they were going to take my home and I signed a contract and was basically a dead beat. The loan was XXXX  days past due at the time. Now I am getting calls from multiple companies, people knocking on my door on XXXX and mail from XXXX ( collection agent? ) when I asked why funds were distributed when work wasnt complete they stated the installer provided pictures. I have filed this account as fraud but am getting harassed even after sending proof services were never rendered. What are my options?
Product: Checking or savings account

I didnt receive my payment, and was concern with the delay. I found out later on social media that countless other customers didnt get their direct deposit. After a whole day i received a late email around XXXX about the bank having issues and was assured it would be resolved by Friday morning. Its around the afternoon as of now XXXX XXXX  XX/XX/XXXX. We the customer cant be late with any payment to the bank without, facing late fees. Ive tried multiple times to contact the bank and customer service isnt any help.
Product: Credit card or prepaid card

Im filing this complaint against AMEX Blue Catd. For the past two days, I have been dealing with Amex customer service folk on a very unfortunate issue. Back in XXXX, I was a few days late with my payment. A month later, my intrest rate was reset to 29,9 %. I was shocked, saddened and angered after speaking to Amex staff about this matter. They recognized my excellent payment history and over 50 plus year relationship with them. Amex never notified me of this ridiculous interest rate change and seem very sheepish in wanting to address it in a constructive manner. I made it very clear on the phone with Amex that my XXXX bill statement was paid but you still went ahead reset my intrest rate. I find this to be absolutely criminal as we come through a global pandemic.
Product: Checking or savings account

I have sent evidence to show the bank I received a wrong order and that I tried to resolve it with the merchant but the bank didnt try to solve the issue and have refused to issue me a refund after sending them all the evidence
Product: Money transfer, virtual currency, or money service

Goodnight. 

For more than 90 days, the cryptocurrency platform OKCOIN ( https : //www.okcoin.com ) had almost XXXX USD on its platform and says that my money is not available for withdrawal, claiming that they are validating my info. 

They have requested my personal documents, they have requested payment receipts, they have requested bank movements, as well as a series of personal documents which continue to be validated to this day ... as you can see in the attached document, I have sent more than 100 emails asking for my money to be returned to the bank or to be able to withdraw the cryptocurrencies but I always get the same response that they are validating the information This has already caused me a lot of loss of money and time, I had my wife sick and I had to ask for a loan because I couldn't count on this money I request please intervene with the okcoin platform and my money is returned to me as soon as possible this are the email that the personal who I send the info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //www.okcoin.com thanks for your help
Product: Credit reporting or other personal consumer reports

Please check the information in regards to the Equifax data breach. More information below an attachment
Product: Student loan

Navient will not allow you to set up an automatic payment for more than what the monthly payment is. If you want to pay more than the monthly payment ( hence paying your loan off sooner, which should be encouraged!!!! ) you have to go in each month and do it manually. Navient has made it more difficult to pay off loans sooner so that they keep gaining interest $ from you. What a scam! I am in good standing with Navient ( XXXX XXXX ), I have always paid my monthly payments on time and would now like to pay off my loans sooner!
Product: Mortgage

Dear Selene Finance Team, I am writing to express my strong disagreement with the response I received from you via email regarding my concerns. Your letter failed to address the serious health issues my wife and I are facingmy wife having suffered a XXXX XXXXXXXX and myself having endured XXXX XXXX XXXX. It is deeply disappointing that you would consider foreclosure on us given our dire health prognosis. 

Your response was redundant and did not offer any relief. Instead, it merely reinforced your views and provided no explanation about the transfer to your company. There was no mention of how or why the transfer occurred, and you completely ignored the fact that XXXX months had passed before we were even aware of the transfer, during which time you were already considering foreclosure. 

You mentioned that you still need documents, despite the fact that I have sent my bank statements, my wifes and my Social Security award letters, and a year-end statement of my wifes pension. I scanned and emailed this information to you, yet it seems you did not even open my emails. I could not use your site to upload the documents because the file size was too large. 

I feel that you are making judgment calls and ignoring everything I have sent, which is wrong. I reject your letter as it contains nothing but the same old information. It appears you are trying to convince XXXX XXXX XXXX XXXX and Consumer Finance that you have addressed everything and done the right thing, which is completely false. 

Please note that I have set up payments to avoid foreclosure, as it seems Selenes goal is to find ways to take our home. We are vulnerable, and it feels like you will do anything to take our home away from us. 

Please direct this email to XXXX, who is supposed to be our contact person. 

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

DBA PARAGON REVENUE GR {$1000.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation