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

I am in the process of refinancing my house so I don't lose my home. 
During the process my lender discovered on XX/XX/XXXX a company named SYNCB/PPMC ACCOUNT XXXX XXXX which was delinquent and closed. The account was opened XX/XX/XXXX and Closed XX/XX/XXXX on XX/XX/XXXX they " reported '' this card as not being paid. I want this off my credit report right now. They have trespassed on my credit report. They refused to let us know anything about the statement information. They refused to send us a deletion letter. They have provided me with the one purchase made on the account ( XXXX ) a purchase was made at a company named XXXX  which is 100 % not even a XXXX company. After informing them that I was going to contact the CFPB regarding their refusal to remove this from my credit report, possibly causing me to lose my home... I was told that they didn't care. This card is in no way linked to my actual PayPal account. when I login, my other PayPal credit account ( not a credit card ) shows ... but this credit card ( mc ) does not show up. I have never received a delinquency call, email or snail mail regarding this situation. When asked why they refused to tell me. They couldn't tell me. It took about 2 hours on the phone before I was able to speak with a manager that would even talk to me about my account. They also refused to provide us with a management level call back number.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unclear whether or not they removed the Fraud Alerts and Extended Fraud Alerts on my credit report. I have been requesting their removal too many times for them not to remove these Alerts. The alerts have been causing unnecessary challenges when attempting to access my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} UNKNOWN XXXX XX/XX/XXXX {$92.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I applied for and received a loan with XXXX. When Covid hit not only was I on XXXX  leave, but was laid off due to the shut down in California. I have notified XXXX  of both as there was going to be times I was going to be late on payments etc. Currently XXXX is in possession of my car illegally and the fees required to retain my vehicle are paid. XXXX has refused to give me a statement of accounts, saying that i should have copies. I do have emails with the copies attached, yet they have deactivated the link to the documents and have not responded to my request for access. To date I have payed well over {$5000.00} and I have been told by two employees that none of what I have payed has been applied to the principle of the loan, just the interest. I requested a settlement quote and was told that the amount owed on the account was over {$8000.00}. I have XXXX children and can not be without my vehicle. XXXX are crooks!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter out to XXXX, XXXX and experian. here my tracking XXXX however its been 30 days and the credit bureaus failed to send my investigastion back. this is not making any since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in prior disputes with XXXX, XXXX, and Equifax. They have not responded. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and CXXXX XXXX, XXXX, and Equifax have no reason to assume the request has not been from me considering all the information required to validate and initiate a request was included. I expect XXXX, XXXX, and Equifax to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Product: Debt collection

Received notice of debt with no explanation. Sent letter via certified mail within 30 days requesting validation. The response we received was a copy of a medical form called " Authorization for Use, Disclosure or Publication of Photographs '' with no financial information. Sent another letter asking for more explanation but never received a response. ACE has since reported a collections to credit agency with no explanation of the amounts, etc.
Product: Credit card

I was billed for {$6500.00} airfare. I provided proof to Capital One about a flight I was already home when this booking took place. I told them i never purchased this and that their zero fault policy should grant my refund.
Product: Mortgage

I took out a home loan in XX/XX/XXXX with XXXX XXXX. They filed BK as XXXX in XX/XX/XXXX.On or about XXXX XXXX, XXXX, a person named XXXX XXXX is allegedly claiming to be employed as an Assistant Vice President by XXXX XXXX XXXX , XXXX , as attorney in fact and servicer for XXXX XXXX XXXX , XXXX, as a Trustee for XXXX XXXX XXXX XXXX, but has not provided an employment contract nor a servicing agreement to substantiate these claims. 

I would like for Caliber Home Loans and XXXX XXXX to prove that she is in fact employed as an Assistant Vice President by Caliber Home Loans, Inc., as attorney in fact and servicer for XXXX XXXX XXXX, XXXX, as a Trustee for XXXX XXXX XXXX XXXX, and specifically that she has the credentials to act as an Attorney in fact for this group of companies.
Product: Debt collection

XX/XX/2017 I had an overdraft line of credit debt with Citizens Bank. I was given a credit in the amount of the debt by a XXXX in a RI branch. I had paid a total amount in the amount of the debt of XXXX besides the credit that was given. Citizens bank is not finding the credit or the payments of XXXX and have reported me on my credit reports owing an amount that I have paid them, XXXX. I have called the Company numerous times and they had even admitted their mistake but will not do anything to correct this. This debt is paid for and credited once therefore being paid for twice now they are asking me to pay a third time.
Product: Debt collection

An agreement was made with the company the matter has been taking care of and the account is closed im no longer liable for the account however its still showing up on XXXX and XXXX as open and negative. XXXX is the only one that updated the account correctly and closed it out.
Product: Mortgage

I am trying to refinance my mortgage with TCF Bank. However, they never answer the phone to provide necessary information. Ive been on hold on 6 occasions for more than 2 hours each time and cant get in touch with anyone. My mortgage broker has also tried several times to contact them and cant get through to anyone. This is making my refinance impossible to finalize and will end up costing me thousands of dollars. TCF Bank is the WORST bank Ive ever dealt with. I cant even say their customer service is terrible, because it doesnt even exist, there is no customer service, Im just out on hold forever with no resolution. People should avoid TCF Bank at all costs. Dont bank with TCF!
Product: Credit reporting

My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to Equifax, Transunion. Experian to remove, till date nothing has been done. Transunion has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.
Product: Bank account or service

This is Not A Duplicate, XXXX XXXX I Lost My Wallet With My Bank Information In It! I reported It As Soon as I Gotten Home! Navy Federal Did Not Close My Account! On The XXXX Of XXXX {$5000.00} Dollars Was Deposited in My Account and When They Took The {$5000.00} They Took My Income tax Money from Checking and Savings Checking Navy Federal said {$570.00} They Supposed To Have Send Me and Still Have n't Receive Yet! They Have n't Credited Me With The {$1500.00} I Had In My Saving! I 'm Not Satisfied at All.
Product: Debt collection

Systems & Services Technologies ( SST ) has been calling me every single day and leaving voicemails on the following dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), and previous months as well. These calls occur at different times of the day from different numbers which I have documented. This frequent and persistent contact appears to violate the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692d ), which prohibits harassing or abusive collection tactics. 

In addition to the calls, SST has been emailing me every day, stating that I must pay {$290.00} to bring my account current. When I spoke to them on XX/XX/XXXX, they demanded an unreasonably high amount to settle the account.

SST failed to provide a proper written debt validation letter as required by the FDCPA ( 15 U.S.C. 1692g ), yet they pressured me to pay additional daily fees when I inquired about a final payout amount.

Their failure to disclose all payment terms in writing and attempts to charge additional fees without transparency could also be an unfair or deceptive act, potentially violating the Federal Trade Commission Act ( 15 U.S.C. 45 ).

Additionally, SSTs website lacks proper security measures, making me uncomfortable providing my banking details, which raises consumer data protection concerns.

Given these issuesharassment, misleading payment demands, lack of proper documentation, and potential security risksI believe their practices warrant an investigation. I request the FTC to review SSTs collection practices for compliance with federal laws and take appropriate action.
Product: Debt collection

I paid a debt in full in XXXX/XXXX/XXXX to XXXX. I debt that I had to pay because I lost my home and where I was moving did not over XXXX service. XXXX although I had proof would not allow me out of the business contract I had. I paid the debt through a company called XXXX XXXX XXXX All payments were made payable to XXXX and sent to XXXX XXXX XXXX XXXX I have email letter from XXXX that states paid in full XXXX/XXXX/XXXX. 

Now a collection agency IC System is trying to collect XXXX from me, which was part of the balance I had already paid back in XXXX on the same account. I filed a complaint with the BBB and called XXXX. IC System is refusing to remove the debt from my credit report stating the have the right to do so because they have validity of the debt. They refuse to speak to me when I called them because I reported them to the BBB. The reason I went to the BBB is because they never sent me validity of the debt until I made the request through the BBB. I thought it was a scam because I had paid the bill in full XXXX/XXXX/XXXX. When I called XXXX they no longer have a ledger of payments made and want me to fill out a complaint form. XXXX ca n't even tell me if they turned my information over to IC System. They stated they deal with several companies. 

In the meantime I have to deal with information on my credit report. Why when this bill was from XXXX, paid in XXXX as agreed can a collection agency come up with something like this? I use checks to make payments and sometimes money orders. I will have to now try and locate both from years ago. I would have to pay for XXXX to XX/XX/XXXXstatements in order to do this and feel I should not have to do so when I have confirmation from the XXXX XXXX that I was paid in full. I have 26 communications over the 7 months of me paying XXXX payable again to XXXX. I am unable to reach the XXXX XXXX listed below and get no answer. 

Please Help!! 

IC System XXXX. XXXX XXXX XXXX MN XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX DE. XXXX XXXX XXXX XXXX XXXX Fax XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has resulted in the unauthorized use of my personal information. As such, I am requesting the immediate blocking and deletion of certain accounts and inquiries that have been fraudulently added to my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
Fraudulent Accounts to be Deleted : XXXX. XXXX XXXX XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$2900.00} XXXX. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$0.00} XXXX. XXXX XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$0.00} XXXX. XXXX  XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$4900.00} XXXX. XXXX XXXX  ( Account XXXX : XXXX ) XX/XX/XXXX {$780.00} XXXX. XXXX XXXX  ( Account XXXX : XXXX ) XX/XX/XXXX {$150.00} XXXX. XXXX XXXX  ( Account XXXX : XXXX ) XX/XX/XXXX {$1000.00} XXXX. XXXX XXXX  ( Account XXXX : XXXX ) XX/XX/XXXX {$43.00} XXXX. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$6300.00} XXXX. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$4200.00} XXXX. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$680.00} XXXX. XXXX XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$2900.00} XXXX. XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$0.00} XXXX. XXXX XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$6400.00} Fraudulent Inquiries to be Removed : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. These are suspicious to me and needs to be deleted asap. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Checking or savings account

I bank with Bank of America, Im currently on a XXXX for the XXXX and soon will be coming home. Ive been out here since XX/XX/XXXX, and around sometime in XXXX on the XXXX to be exact my account was charged and someone had taken XXXX dollars out of my account. I opened up a investigation with the bank and they gave me my money back for the time being till the investigation was concluded, now about 2 days ago the bank is taking away my money again because their saying I had to give this person authorization to use my account which makes no sense. They tell me that this person had use my pin ( Im the only person who knows my pin ), and had to use my debit card ( which is impossible because my debit card has been deactivated before the month of XXXX. Now the bank is denying my claim and are uncertain that Ill get my money back, so basically the bank is stealing XXXX dollars away from me. I have proof that I have not been in the states since XXXX and am certain the only person who knows my pin is me which is why Im telling them someone is scamming me. Would really appreciate you guys help, thank you.
Product: Mortgage

My properties Hazard insurance ( policy number XXXX ) for the period XX/XX/XXXX thru XX/XX/XXXX for the amount of {$3800.00} was paid by my mortgage company, Ditech, in the form of 2 checks to the insurance company in the amounts of {$140.00}. on XX/XX/XXXX and {$3700.00} on XX/XX/XXXX. I have those check numbers from documentation from insurance company if needed. On XX/XX/XXXX I was charged {$320.00} for what was labeled Earthquake Insurance disbursement. I was  again charged {$100.00} monthly in XX/XX/XXXX thru XX/XX/XXXX. I was charged {$100.00} in XX/XX/XXXX and {$100.00} in XX/XX/XXXX. It took me 6 months starting in XX/XX/XXXX to get the mortgage company to finally admit these Earthquake disbursements I was being accessed was for forced placed insurance. I have never gotten an explanation as to why they started to charge force place insurance when they had paid the hazard insurance on the property. 

When you call customer service to ask a question you are put on hold for up to 45 minutes and then phone generally disconnects before the individual returns with your answer. Also since this company uses foreign call center s for it customer service it is very difficult to understand what they are saying especially when they are reading from a FAQ. They have limited ability to understand what you are trying to convey to them to be able to act on it properly. 

I have asked the mortgage company for a refund on the {$1300.00} they have charged me in forced place insurance when I was in compliance by having hazard insurance on the property. 
I was also charge {$15.00} in XX/XX/XXXX and XX/XX/XXXX, which I still can not get a valid explanation for yet. 

This haggling with them for over a yea to get this resolved has got to stop, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I applied for and was given a loan of XXXX in XX/XX/XXXX with Avant , LLC. The rates and terms were better than hard money lenders I had come across while looking for funds to complete a rehab after running out of cash. My credit is NOT bad as I have PERFECT repayment history, low balances, and a good mix of creditors. I paid this loan off in 8 months, on XX/XX/XXXX. This company falsely reported my XX/XX/XXXX and XX/XX/XXXX payments as late which is absolutely incorrect, costing me 34 points on my credit due to some sort of computer glitch. Of course, there is no one that I can speak to that is able to solve this matter expeditiously. I am currently working with a bank to purchase a house and this has set me back horribly.
Product: Credit reporting or other personal consumer reports

Subject : Follow-up Request for Deletion of Outdated Address Under 15 USC 1681i ( a ) ( 1 ) ( A ) I am writing to follow up with Equifax on my previous request dated XX/XX/year>, regarding the removal of outdated address information from my credit report. Despite more than 35 days, the requested corrections have not been made. 

This delay constitutes a violation of federal law under 15 USC 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate and resolve disputes within 30 days of receiving a dispute notice, subject to certain exceptions. 

I respectfully request that you immediately delete the outdated address from my credit file. 

Thank you for your prompt attention to this issue. 

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

I recently pulled my credit report and noticed an account I wasn't familiar with. I sent this company a debt validation letter on XX/XX/XXXX for the company to validate that this debt belongs to me. Under 15 u.s. code s 1692g validation of debt. This company failed to validate the debt with the required documentation and didn't respond at all. After 38 days of the letter being sent out this company started calling me to collect on the debt for the first time since the debt reported on my credit bureau. After i asked this company to cease and desist any communication per debt validation letter until the debt is verified. this company called on XX/XX/XXXX @ XXXX after i asked to stop all communication via phone and response by mail. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Kindly review the document attached to this email, in support of andregarding my complaint against American Express as follows : I was told by   XXXX   XXXX   Tutoring that they did not receive a charge on my card in the amount of {$700.00} from American Express. As a result, I sent them a check for that amount plus another amount for another service. When I contacted American Express after seeing that I was charged the {$700.00}, American Express was supposed to give me a credit but did not. I am demanding American Express give me my {$700.00} credit on my card as I was told they did not give the money to   XXXX   XXXX  , I paid   XXXX   XXXX    separately, and I h ave all of the documents to prove it.  <P/><P/> Desired Outcome : Permanent {$700.00} credit back on my card, as I already paid   XXXX   XXXX   via check since I was told American Express did not pay them.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX 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 to be updated.

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 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