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

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Product: Debt collection

I already filed a complaint against the issuer JP Morgan Chase. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend ALL late payments from my XXXX XXXX XXXX XXXX  account # XXXX, as Experian 's inaction violates federal laws and my rights as a consumer.
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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, under section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, of which only two are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citibank Accelerated Savings Account : I am trying to access my money in my Citibank XXXX XXXX account - I want to withdraw the money and close the account.They locked my account due to " inactivity '' and will not allow me to close, withdraw or transfer any of my money w/o going through a lengthy onerous process of re-activating/unlocking my account XXXX drive to nearest branch ( I live in XXXX  - nearest Branch is in XXXX XXXX XXXX XXXX send them a notarized letter ( closest Notary is XXXX miles & charges a Notary fee ) via snail mail and wait ...... 
Locking my savings account due to inactivity WAS NOT disclosed under the Terms of opening a savings account - I specifically inquired about this prior to opening the account.I have a copy of the original Terms of the account upon opening. There is no language referring to " locking '' an account due to inactivity. It is my understanding that what they are doing ( encumbering my ability to access my money ) w/o full disclosure is illegal. I seek redress. 

Please advise.
Product: Mortgage

My mortgage was transferred from XXXX to Statebridge XX/2015. No paperwork was received. I had to contact XXXX to receive information on new company. Statebridge continuously state for a year and half I did not have a mortgage with them. After making contact with them I sent a bank check in certified mail-XXXX, I sent another bank check that was returned. I then contacted Statebridge.after numerous attempts and over one hour wait times ( phone records for proof ) I also had sent weekly emails to the company with not one response, I did receive statements I made contact with a person named XXXX who stated they would not accept my payments at this time and I was in active foreclosure. I then asked for some type of modification I had most funds but insurance had escalated. My insurance was {$1800.00} they were stating my flood insurance for {$7500.00}. The representative stated to apply for a modiication, I did the modification three times all times stating they did not receive. I then asked for one specific representative her name was XXXX XXXX which I did process twice waiting or a response I contacted Statebridge and they stated she was no longer with the company. I then was assigned to a XXXX XXXX I did modification again but they requested I get a binder for insurance. I then had to reapply for modification and received a binder with XXXX XXXX which I paid again did not hear and when I contacted Statebridge I was told XXXX XXXX no longer works for Statebridge. I then asked to speak to a head supervisor as the entire process was a debacle. I then made contact with XXXX XXXX, I at this point was required to attain flood insurance in which I purchased. I finally received a modification but at this point my interest went from 5 to 6 % I honestly thought it was an error. I contacted her and she stated the investor wanted it that way, I would have to do another modification and try different options-she then stated I needed an appraisal from XXXX XXXX which I scheduled. I CONTACTED XXXX AGAIN as I did not receive any response. They stated the appraisal was never completed and I would have to do another appraisal visit in which I scheduled. I then again made contact with XXXX XXXX to find out she is no longer with Statebridge and XXXX XXXX was contact. I contacted XXXX XXXX at this point I was offered a repayment plan with a % XXXX down  payment and a mortgage payment of {$6200.00}. This company is completely disorganized and I have in good faith tried to work with them. I am able to put down a down payment but ask for a reasonable mortgage. I have all emails, first modification but was unable to send as file was to large. I can print and forward if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

During refinancing my house, multiple companys have pulled my credit score and equifax score does not report out. Contacted equifax regarding the issue and multiple times and they could not figure out why my score is not getting reported out. They stated they can see my score and credit history but when trying to create a equifax account it gives an error message of NH and states to contact equifax directly. 

After contacting them 5 times they have not cleared up the issue and said they would have to send it to another department and should hear back within 14 days. I have asked for another contact number and they stated there is no other number and I just have to wait for them to contact me. This is going on 3 months and I still havent heard back and the issue is still there.
Product: Debt collection

Account placed with 2nd collection agency. XXXX automatically renewed service after 2 yr contract, tripled my monthly rate, called to cancel and they charged XXXX cancellation charge. Placed with another agency that removed debt. Idiots at XXXX replaced. I want this removed immediately!!!! Also filing a complaint with FCC for unfair practices. Also this is over 7 years old!!!
Product: Credit card

i have home depot credit card, this credit card charge 26.99 % interest .is this legal .can they charge what ever interest they want. i cant charge what ever i want .please investigate this credit 26.99 %. this is highway rubbery.this is not right.where is consumer protection against loan shark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on all three credit bureau website based upon the information supported by XXXX XXXX and XXXX. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
Experian website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.
Product: Debt collection

Continuously calling me, telling me that my full payments are due the day of the call, telling me that I need to pay them now, I have repeatedly told them that if they just send me the bill I can make payments, continue to tell me it 's due right now, I tell them that I do n't have the money today until I get my paycheck, then they continued to ask me when I get my paycheck, telling me that when I do get it I need to call in on the phone and pay because they do not send paper statements, which is false because I have a bill from them that I just got in the mail yesterday.
Product: Money transfer, virtual currency, or money service

I have bought and sold crypto on XXXX for over a year, not large amounts most under 3k at any time. I have never had an issues withdrawing from my account. I sold bitcoin  two days ago and can not get m y money back to my banking account. I have been verified the whole time my account has been open and never had a issue. I have emailed and can not get a clear answer or one that makes sense. I would like to withdraw my money to may bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX XXXX, on XXXX XXXX, 2020, XXXX XXXX and on XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I had an XXXX at XXXX on my XXXX on XX/XX/XXXX. Before the services were provided, XXXX notified me that my XXXX would be {$1500.00} and I 'd have to pay my {$500.00} medical deductible before services would be rendered. I came with {$500.00} cash ; however, they offered an interest free payment plan. I took the payment plan as it was favourable to paying {$500.00} cash on day 1. My credit card has been billed as agreed upon in the payment plan. I have also fully paid my credit card ( {$0.00} outstanding balance at each month-end since before XX/XX/XXXX, which means I have paid in line with the payment plan ). I received a voicemail the week commencing XXXX XXXX from someone stating to be employed by XXXX, which is the parent company of XXXX, stating that I have not paid my balance. When I asked how that was possible as I was on a payment plan, they noted they sit in a different office and were not aware of my payment plan. Not knowing about my payment plan seemed a bit off, so I looked into the number I was given on my voicemail and noted it was for Quality Asset Recovery, a debt collection agency! This individual, XXXX XXXX ( XXXX ), actually does NOT work at XXXX as he claimed in his voicemail ( which I am more than willing to provide ). He never once even notified me he worked for a debt collection agency. I then decided to call XXXX directly to ask about this and they stated that I, in fact, had paid every bill on time as agreed, and that the issue came from them " incorrectly sending accounts for collections '' to XXXX. 

I would also like to note that I never once received a notice from XXXX that I was late on payment. I also sent them a letter XX/XX/XXXX asking for the detailed billing for my XXXX ( as this was never produced ). It has been 2 months since that letter was sent and I am still awaiting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past 3 months, I have tried at least 2-3 times to get an invalid trade line, being reported by XXXX XXXX, removed from my Credit Reports. However, despite the conclusive evidence that I have sent in, XXXX, XXXX, & Experian will not remove this trade line because they are in bed with XXXX. 

Anyhow, I have also disputed this trade line directly with XXXX and they refuse to delete it. Fortunately, XXXX sent me a printout of what they consider to be validation of the debt. However, this printout clearly contradicts my payment history. 

For the billing period XX/XX/2018 to XX/XX/2018, the docs sent to me by XXXX claims that I had a previous balance of {$380.00} and no prior payment was received. However, I have attached the email from XXXX showing that I made a payment of {$100.00} on XX/XX/18. Cell phone bills are paid prior to the billing period!! 

Furthermore, XXXX isn't reporting the last payment date or when the account became delinquent. 

I have attached to this complaint my last 3 payments to XXXX along with the bill summary that was sent to me by XXXX as debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX, DE XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have an older account that has been paid and closed and always paid on time but irecently noticed in pulling my credit that they are reporting XXXX late payment. I asked for it to be remvoed and show me where i was late but never heard back from them or the credit bureaus. Please help me in getting this removed since it should have shown as never late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XXXX I asked all three credit bureaus on XXXX different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XX/XX/XXXX, XX/XX/XXXX. However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

XXXX- is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX. 

Transunion- is reporting the collection account as a collection, last active date XX/XX/XXXX XXXX- Is reporting the collection account as open with a past due balance and balance, payment status Late XXXX days, open date XX/XX/XXXX. Date last active XX/XX/XXXX. 


Please delete all unverified collections immediately.
Product: Credit card or prepaid card

Today XX/XX/19 I Spoke with a representative about crediting back late fees. She could do nothing Well I would like management you know the financial well-being of older citizens is at stake. 
Seniors at restaurants and travel and the many other places are giving special status because of their fixed incomes and financial hardships I would like also the banks to understand and reimburse the late fees Im not asking for the interest and hopefully I can get this solved with automatic payment I believe I have three {$30.00} late fees
Product: Mortgage

Our mortgage servicer, SPS Servicing, is demanding {$40000.00} from myself and my husband, ( homeowners ). When contacted they indicated that we were not paying the correct monthly amount. They indicated that were underpaying and needed to pay the XXXX or our house would be foreclosed upon on XXXX. We have paid the same amount indicated online each month as indicated on the website. SPS Servicing is refusing to work with us and will not even complete a modification and/or any other resolution other than a foreclosure. 

Since I, XXXX XXXX, suffer from a XXXX XXXX, XXXX XXXX, and have been diagnosed with this XXXX XXXX for several years, this whole situation has placed an enormous amount of stress on myself. This has made my illness get worse and has pushed me into even more XXXX XXXX XXXX
Product: Credit card or prepaid card

Consumer Financial Protection Bureau To Whom It May Concern, Iam writing to dispute a billing error in the amount of {$4700.00} on Account Number : XXXX XXXX amount is inaccurate as on XXXX an erroneous payment of {$840.00} was made to my XXXX Capital One MasterCard account. The payment was immediately cancelled, when paying online there is an option to cancel payment ehich I did, yet it processed. I spoke with a supervisor at XXXX Capital One MasterCard ; XXXX at extension or ID XXXX, and she assured one that the account would be reverted to status prior to error within 2 weeks.Unfortunately, as a result of an internal system error ; the erroneous {$840.00} payment had been added to my New Statement Balance Due ( see attached copy of statement dated XXXX - XXXX ) Previous Balance was {$3700.00}, system erroneously added {$840.00} payment to new balance due along with a {$25.00} late fee and {$84.00} interest on purchases for that period, which increased my actual balance by {$950.00}, hence ; {$4700.00} inaccurate. XXXX the supervisor at XXXX Capital One MasterCard said my XXXX payment and late fee would be waived due to inconvenience. Yet when I made the XX/XX/2019 payment of {$110.00}, the account still had not been reverted back to status prior to the XXXX {$840.00} erroneous payment, despite many lengthy calls, repeatedly leaving my number, promises from agents and supervisors, they failed to correct the account, the company did not act to resolve complaint. 
I'am requesting that the error alas be corrected. 
Sincerely,
Product: Student loan

I have been trying to pay off my student loans, but my loan servicer, EdFinancial Services, has reversed almost all of my payments without notifying me, to the point that I have missed a minimum payment and I am receiving interest on loans that should have already been paid off multiple times over. 

From XX/XX/XXXX to XX/XX/XXXX, and during the grace period of my loans, I have paid {$40000.00} through seven payments of varying amounts in an attempt to pay the original loan amount of {$18000.00} or minimum payments to prevent harm to my XXXX XXXX or accrual of interest. 

From XX/XX/XXXX to XX/XX/XXXX, I have attempted to resolve this problem through seven phone calls with EdFinancial Services ( XXXX ). Their representatives have been unable to resolve this issue but have confirmed that there are notes on my profile regarding this issue from previous calls and that other individuals are having similar issues with payment reversal.
Product: Debt collection

you have failed to provide sufficient validation of the alleged debt you claim I owe. This failure is a direct violation of federal laws that protect consumers like me from fraudulent, erroneous, or unverified debt collection practices.
Product: Consumer Loan

I submitted a contract in XXXX 2015 to purchase a new construction home. Shortly thereafter, my financing was approved. I am scheduled to close on my home on XXXX XXXX, however, when my mortgage company needed to recheck my credit last week, they found that the automobile loan that I had co-signed for was 3-months past due. However, the lender never contacted me when the loan was 1-month past due when I am the co-signer/owner of that vehicle. This issue could have been resolved without this damaging my credit and lowering my credit score prior to closing on my new home as a first-time homebuyer.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the date of the previous letter. Ive already included this in my previous Complaint & I am including it again., 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 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 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 XXXX