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

ED FINANCIAL randomly showed up on my credit report in XXXX and back dated an account to the year of XXXX. I have repeatedly asked this company to provide me with an original contract. I have submitted a XXXX request and extensive, full " account audit '' with ED FINANCIAL as well with no response. As I have received no response correcting this matter I have accepted ED FINANCIAL 's silence as a form of agreement and ED FINANCIAL is now in default and have violated numerous rules and regulations governed by the Fair Debt Collection Practices Act. I have asked that ED FINANCIAL validate and verify the debt in question, which they have not and have clearly violated XXXX XXXX XXXX ( g ). This ridiculous allegation is also being furnished on my credit report which is a clear violation of XXXX XXXX XXXX ( b ). ED FINANCIAL has also blatantly violated XXXX XXXX XXXX ( b ) - The Family Educational Rights and Privacy Act ( XXXX ), which is a FEDERAL LAW. I will conclude that ED FINANCIAL is either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.
Product: Mortgage

I applied for a loan modification on an adjustable rate mortgage in XX/XX/XXXX due to getting injured on my job and having a curtailment of income. I 've been compliant to the all of the request made by SPS and I 've received seven letters stating that all of the documents have been received and are perfected and that SPS will send the file to an underwriter for review. The underwriters are n't reviewing the documents that are being sent and requesting the same documents again. On XX/XX/XXXX SPS requested clarification on paycheck stubs to determine if I get paid every two weeks or twice a month ( Hence, 24x a year or 26x a year ). A letter explaining that the pay period is every two weeks was sent on XX/XX/XXXX. Upon calling SPS on XX/XX/XXXX, I was told that they received clarification and all the documents were in to continue the review. On XX/XX/XXXX I called SPS for a status update and they informed me that they needed a letter regarding clarification of the frequency of pay. I advised that I already sent that letter and they told me that they just wanted a verbal explanation. I verbally told them that the frequency of pay was every 2 weeks. On XX/XX/XXXX, I called SPS and they explained that all docs are in and nothing else is needed to continue the review. On XX/XX/XXXX I called SPS for a status update and they advised they needed clarification of the frequency of paystubs. I explained to them that we already verbally told them and wrote a letter. SPS said " O.K. '' and continued the review. On XX/XX/XXXX, they advised me that they just received internal clarification on XXXX that the frequency of paystubs is every 2 weeks. However, they needed more bank statements to verify the frequency of pay. This tactic has been going on since the inception of the loan modification process began. The single point of contact XXXX XXXX never answers or calls me back and I speak to different reps every time I call in that ask for the same documents that we sent in and verified that SPS received them. SPS single point of contact and underwriting team are not reviewing the documents that we send in.
Product: Debt collection

The debit card Capital One make me several calls day and nigth specifically saturday and sounday robot calls I owe them twso times money and as sun as I take money I paid two times more than {$600.00} dollars with all the interest I explain to them now I have health and financial problems and request some time to I can comply with my obligation of payments I have XXXX years old Senior XXXX old man, recently XXXX I have XXXX  XXXX  and XXXX  the last call was today XX/XX/2020 at XXXX XXXX  I can not sleep more today I request stop that harasing phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA has laws that I have been made aware are not being followed by the Bureaus. I am now forced to submit a request through the CFPB for help. 
The following accounts are reported inaccurately, incompletely, and some are not even mine which is fraud and are violations of my rights. This is against the law they have in place and I want these fixed immediately. ( FCRA 15 USC 1681 ) My name is incorrect : ( Names ) XXXX XXXX XXXX XXXX XXXX ( Addresses ) I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX this is fraud- and are violations. 

( Accounts ) Not my account and it is reporting different with XXXX, XXXX, AND EXPERIAN. VIOLATIONS! 
XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, ( Accounts ) Reporting complete inaccurate information for all three bureaus, violations! 
XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am concerned that I sent multiple payments via Zelle prior to the prompt warning to double check the recipients information. I have used Zelle and sent payments to my sister, friends, and cousin. If the email or phone number you was shown in the account but not connected to the recipient bank account, Zelle would withdraw my money and the payment would get lost somewhere with no explanation or access to ever receiving it back. I called and spoke with my bank customer service representatives several times that said, once the payments are sent they could not be recovered. I never fully understood this and hated to lose funds over it!
Product: Credit card or prepaid card

would like credit inquires or hard pulls removed from my credit report. It tremendously effects my credit score. 

Applied on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX Capital one XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/ XXXX   XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , ND XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX , TC XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX , CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$780.00}
Product: Debt collection

Company is using an autodialer to contact about a debt they do not own. I have informed them that they are calling my cell phone. I have also informed them that they have no reason to call me since they do not own the debt. They call me XXXX or three times a day, often with no one on the other end of the phone when I pick up.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH 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 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 in those account 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. 


( CREDITOR NAME ) 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: Checking or savings account

CHASE, `XX/XX/2021 {$290000.00} it saw fraud from chase in New York at a atm at a Chase.. 
They is I did it, I live in XXXX La, for 30years I am a XXXX, an can not walk an the bank is giving me no help. 

At XX/XX/21 an file a Police report on fraud..
Product: Debt collection

I have XXXX collection agencys trying to collect the same debt I called original company that I owe the debt to and they said that TRANSWORLD SYSYEM INC/XXXX should not be collecting debt however they are reporting to XXXX of the credit bureau they are trying to collect a debt that I do not owe them ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) Dept of EDXXXX XXXX {$31000.00} 6 XXXX XXXX XXXX 7 XXXX XXXX 8 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I got notice items were removed and added to credit report for Equifax. There was XXXX delinquent items deleted and XXXX new ( valid ) accounts added. On today XXXX XXXX XXXX I received notice my credit score had dropped and not only was those items added back but the actual new credit lines that was previously added has been removed. I call Equifax and was adviced there is nothing that can be done. Not only was I not notified, this is neg effecting my credit that I 'm working hard to repair. In addition I 've notified the bureau on several occasions they have incorrect personal information. The addresses being added were removed and added back. There should only be XXXX address which is XXXX XXXX XXXX XXXX Al XXXX
Product: Checking or savings account

Started opening a checking account online, then had to visit closest location because I couldnt go any further online for set up until I physically had the account number or debit card. 
XX/XX/22 went into Keybank in XXXX XXXX, XXXX to finish opening the checking/savings accounts, also possibly mutual funds. I thought everything was on track until my debit card never came, and keybank froze the checking account unannounced, which subsequently affected my direct deposit I had set up, do the funds were sent back. I incurred unnecessary charges because I had to use my credit card to pay rent, and the employer incurred unnecessary charges because the funds were rejected by keybank. 
After a discussion over the phone with XXXX from Keybank about the charges, they refused to take responsibility for the incident. After 3 weeks of pestering him almost every 2 days about the debit card I finally received it after calling the customer service line for the second time in this period. They did finally XXXX  it to me overnight. XXXX had every excuse in the world why it wasnt keybanks fault, and I believe lied to me on multiple occasions about the status of the debit card. It sure is interesting that everything as far as funds for them to look good went as smooth as silk. The funds transfer to there credit card, moving monies from a previous institution to there bank all went without a hitch. KEYBANK had the nerve to tell me, they sent me a letter about freezing my account, I still have not received it. All these debit cards that XXXX supposedly requested before I got mine, youd think they wouldve showed up after 3 weeks, nope. Finally he asked me to send him proof of the unnecessary charges, that he was going to present them to his manager, but no promises. I did as XXXX asked to try to recoup over {$100.00} because of them. Still have not heard a squeak. I have to keep prodding him along to get any kind of answer. Most of the time its just sorry. Ive heard empty sorries so many times now, its a slap in the face more than anything from XXXX, XXXX, and everyone at keybank XXXX XXXX, and online customer service.
Product: Debt collection

I am receiving unwanted calls from XXXX XXXX XXXX about a debt that is over 10 years old. They have been harassing me and threatening me with legal action. They keep calling me fromXXXX the lastest person to call and harass me is XXXX XXXX. http : //www.northlandgroup.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Consumer ADJ CO has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however Consumer ADJ Co has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS BEEN NOTIFIED OF AN INACCURATE ACCOUNT THAT THEY ARE REPORTING ON MY CREDIT REPORT AND THEY HAVE YET TO RESPOND OR REMOVE THE ACCOUNT. BOTH XXXX AND XXXX HAVE REMOVED THE ACCOUNT. EQUIFAX WAS NOTIFIED ON XXXX XXXX. IT HAS BEEN LONGER THAN 30 DAYS AND THEY HAVE FAILED TO COMPLY. I HAVE ATTACHED DOCS TO SUPPORT MY CLAIM THAT BOTH XXXX AND XXXX REMOVED THE ACCOUNT. I WILL ALSO INCLUDE THE LETTER THAT WAS MAILED TO EQUIFAX ON XXXXTHE ACCOUNT THAT IS INACCURATE AND SHOULD BE REMOVED IS AD XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$1400.00}
Product: Debt collection

I received a judgement in the mail with the plaintiff as " Equable Ascent Financial LLC '' apparently the total amount I owe is XXXX. This is extremely disturbing as I have no idea where this debt has come from. I am currently purchasing a home and because of this judgment we will not be able to close escrow until it is payed off. I have been a victim of fraud in the past and this may be another fraudulent situation.
Product: Mortgage

On XX/XX/XXXX I closed on a home in XXXX XXXX. My mortgage was purchased by Fifth Third Bank in XX/XX/XXXX. Included in the closing costs was escrowed homeowners insurance of {$1600.00} to be paid to XXXX XXXX XXXX.
<P/>
I received and email from XXXX on XX/XX/XXXX stating the premium had not been paid. When I called them, they assured me my coverage was valid for at least 30 days while awaiting escrow payment.
I received another email from XXXX on XX/XX/XXXX stating the insurance premium had not been paid. I contacted Fifth Third Bank and was assured the payment would be mailed overnight to XXXX the next day.
I received yet another email from XXXX on XX/XX/XXXX stating my coverage was due to be terminated if payment was not received by XX/XX/XXXX. <P/> On XX/XX/XXXX I began making calls to both XXXX XXXX XXXX and Fifth Third Bank. Each time I called XXXX, the representative contacted Fifth Third and received assurance the payment would be overnighted the next day.
After each call to XXXX, I contacted Fifth Third on my own.
<P/>
XX/XX/XXXX - XXXX in Customer Service - checked the system and saw the request for escrow payment, instructed me to call XXXX the following Wednesday ( XX/XX/XXXX ) to confirm payment was received.
XX/XX/XXXX - Checked my account at XXXX, no payment credited. Called Fifth Third Insurance Dept and spoke with XXXX. Both assured me the payment would be escalated and to call the following day to check. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. Escrow had not been sent yet. Spoke with XXXX. She informed me the escrow should go out the night of XX/XX/XXXX. Call to check the following day to verify. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. The payment was NOT sent on XX/XX/XXXX, and is scheduled to go out XX/XX/XXXX overnight. I asked to speak with a supervisor and was first told the supervisor was helping another customer, so I agreed to hold. After 10 minutes, I was told the supervisor was called into a meeting. I insisted I needed to speak with someone who could make a decision about my escrow and was put on hold again. I was eventually transferred to XXXX, a Team Lead, who explained the payment was scheduled to be overnighted on XX/XX/XXXX  and there was nothing else he could do to arrange for an immediate payment.
<P/>
At this point, my homeowners insurance is scheduled to be terminated tomorrow, XX/XX/XXXX. I am absolutely enraged about this situation and do n't know what to do other than pay the premium out of my own pocket and wait ( hope ) for a refund.
<P/>
I will attempt to contact Fifth Third and opt out of escrow for homeowners insurance. However, I have made 3 payments which include an escrowed amount and may have difficulty having this refunded to me. I have already spoken with XXXX XXXX XXXX about paying them directly beginning next year.
<P/> XXXX XXXX XXXX has been nothing but helpful.
Product: Credit reporting or other personal consumer reports

These overdue payments dont reflect my consistent payment record.
Product: Credit card or prepaid card

When I first got the XXXX XXXX  credit card the XXXX  XXXX app was not the best to use, it was difficult to use, and the payments didn't show up for weeks, It was getting me confused, I always had auto pay on for all my cards and loans, but somehow on XXXX XXXX  they accused me of XXXX late payments and they closed my account, however, I fully paid the balance and even the late fees that were not my fault, difficult to use the software was the problem, and another problem on the back end of XXXX  XXXX by not sending me statement bills, payment bills, and even auto pay function was not working properly.
Product: Credit reporting or other personal consumer reports

feel that my information was exposed on a data bridge My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024 and I saw some hard inquiries that did not have permissible purpose. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  ) XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2 ) XXXX OF XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Debt collection

I received XXXX call followed by numerous calls to extended family threatening a visit at my place of employment if I didn't respond. These calls did not provide reason or details which seem list they were phishing for information. I believe the same people sent me a letter saying I owe money to an apartment complex ( attached ). I've owned a house the last XXXX  years and have never lived outside of Illinois. 

Debt Collection is through LB Gray XXXX XXXX, IN Account Number - XXXX Case # : XXXX Amount Owed- {$7300.00} Owed to : XXXX XXXX XXXX XXXX XXXX XXXX IN ) Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted ACS to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that ACS got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. ACS should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.