23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted an offer to purchase a condo on XX/XX/XXXX, at which time my loan-broker [ XXXX XXXX - based in XXXX, CA ] advised me to allow for a 14-day loan contingency period. 

I have received negligent service from both the loan-broker & the lender [ Coast 2 Coast Funding Group - based in XXXX XXXX, CA ] since that time. At this point, I have already paid-out 43 % downpayment into escrow. 

Just today XX/XX/XXXX the loan underwriter issued yet another demand, asking for additional financial documentation, on top of the thorough disclosure completed many weeks ago. I had tried to back-out of this purchase contract a month ago, because i was alarmed by the incompetence displayed by the loan-broker & lender during the first month of escrow ... but my real estate agent informed me that refund of my initial 3 % deposit would be subject to arbitration, so we kept moving forward with a second month of escrow. 

Meanwhile, I 'm still waiting for the loan to be completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried hand writing letters and even submitted evidence that the current items on my profile are paid off by bankruptcy or incorrectly reporting. Experian refuses to dispute my claims even with evidence sent. The fair credit reporting act was made so consumers wouldnt be hurt. Experian on multiple occasions have violated my rights in this matter. They refuse to dispute my claims on my dispute. Letter of dispute will be attached with evidence letters. Everything was sent certified mail so I got receipt that my letter was received. Attached will be a copy of this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has leaked all of the information needed to open credit accounts in my name, as have a dozen companies before them. Consumers remain virtually powerless over their own credit, with private corporations choosing to profit off of our misfortunes directly resulting from their poor security practices.
Product: Debt collection

The issue is regarding a debt collection that has recently appeared on my credit report. I noticed that a collection account was reported without any prior notification or communication from the collection agency. The collection agency is Jefferson Capital Systems LLC. 
The details of the debt are : Amount owed- {$1600.00} Account openedXXXX XX/XX/scrub>XXXX XXXX XXXX
Product: Debt collection

YOUR COMPLAINT I have previously filed a complaint against this company approximately 2 months ago regarding a processing fee that I was not told about. The complaint was responded to by stating I would not have to pay this fee per transaction. This was true for about 2 payments. My payment as of XX/XX/XXXX was charged the fee again. When calling the company I was told they would have never made this statement to me about not charging the fee and I was told a manager would call me back. I called a second time hoping to speak with someone that would look into the file and once again a manager would call me back immediately. No one has called to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Comenity BankXXXX XXXX Credit Card for continuing to report a charge-off on my credit report that is past the statute of limitations. This debt, last active on XXXX appears to exceed XXXX statute of limitations for debt collection. 

The outdated entry is negatively impacting my credit score, hindering financial opportunities as well as buying a home. I have previously attempted to resolve this with Comenity Bank, XXXX, XXXX, and XXXX, but to no avail. 

Under the Fair Credit Reporting Act, I request an investigation into this matter and the removal of this charge-off from my credit report if found non-compliant with state laws. 

Thank you
Product: Credit card

Whenever I pay off the full balance of my Macy 's credit card bill ( ON TIME I may add ) they then charge me an extra fee of {$2.00}, meaning I get a bill a month later for {$2.00}. I have never had a single credit card company charge me an additional fee AFTER paying off the balance. This occurs when I pay the full total balance on the first bill received, or it may also occur when I've paid partial payments over a few months. ALWAYS there is this extra {$2.00} they add on AFTER I've paid my bill in full. 
On the bill, the {$2.00} is listed under the column titled " Purchases, Cas ADV, Fees & Other Debits ''. Is this legal?????? I feel they are just collecting extra money from everyone just for the financial benefit and not for any legitimate reason. 
Thank you,
Product: Credit reporting or other personal consumer reports

I recently requested and viewed my consumer credit report and disputed an items on my report. Under the FCRA section 605B it is illegal to report any information on my consumer credit report without my permission which is also a violation of FCRA 15 U.S.C. 1681b Permissable Purpose of consumer report. Under 15 U.S.C. 1602 no disclosure was given to consumer to alert consumer of option to opt out of the sharing of NON-PUBLIC PERSONAL INFORMATION XXXX. XXXX, Experian, XXXX nor XXXX did not have written consent to share any of the consumer 's information. This is also a violation of 18 U.S. Code 1028A - Aggravated Identity theft. Please provide consumer with proof of written consent from the consumer that grants XXXX, Experian, XXXX or XXXX lawful authority to share my NON-PUBLIC PERSONAL INFORMATION with third party entities. If XXXX, Experian, XXXX or XXXX can not provide consumer with proof that consumer sent written request to share NON-PUBLIC PERSONAL INFORMATION, XXXX, Experian, XXXX and XXXX must Delete account immediately.
Product: Debt collection

AARGON AGENCY INC Is once again proving how much manipulation they are willing to report to collect debt that is not owed. After providing proof that consumer was nowhere near area AARGON AGENCY INC stated The last payment made for the services was XX/XX/year> attempting to say that nonpayments made for a year somehow came out to {$1100.00}. The reality is payment were made but XXXX has no issue reporting false information just as proven with the correct lease shown. This is false information just like there verification that the sent the debt to the correct address was false information just as there statement of when I moved into my correct address was false information. They believe if they investigate themselves it changes that they continue to report whatever they see as fitting
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, This letter is a formal complaint that you report inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Please remove this information from my credit report XXXX Account XXXX XXXX 2. Please remove this information from my credit report XXXX Account XXXX XXXX 3. Please remove this information from my credit report XXXX XXXX Account Number XXXX Please remove it from my credit report. 


4. Please remove this information from my credit report XXXX XXXX XXXX  Account Number XXXX 5. Please remove this information from my credit report XXXX XXXX Account Number XXXX 6. Please remove this information from my credit report XXXX XXXX  Account Number XXXX 7. Please remove this information from my credit report XXXX Account Number XXXX 8. Please remove this information from my credit report XXXX XXXX  XXXX Account Number XXXX 9. Please remove this information from my credit report XXXX Account Number XXXX 10. Please remove this information from my credit report XXXX XXXXXXXX Account XXXX XXXX 11. Please remove this information from my credit report XXXX XXXX Account Number XXXX 12. Please remove this information from my credit report XXXX XXXX Account XXXX 13. Please remove this information from my credit report XXXX  XXXX bankruptcy XXXX Reference XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

Pheaa/American Education Services is claiming that my account is delinquent when I've already made the payment. They claim that if the payment is " processing '', the account is still in a delinquent status. I'm not sure what world Pheaa/AES lives in, but I think they completely misunderstand the concept of what happens when a debt is paid. When you pay a debt, the status is immediately treated as satisfied UNTIL the payment is returned by the bank. The fact that they wait 2-3 business days to " process '' a payment to fulfill their obligations with reporting accurate information is beyond egregious.

There were 2 employees from the company who offended me and I wish for both of them to be terminated indefinitely for their poor treatment of customers over the phone.

One goes by the name of " XXXX '' and the other " XXXX '' Pheaa/AES, let 's say you're 2 days late on the electric bill. The electric company turns off your energy in the building, but someone from your district office calls to make the payment. The electric company says " It will take 2 business days to process your payment BEFORE we are able to turn your electric back on. Sorry! '' I really doubt that happens! Therefore, you should be treating my situation in the same way.

I also have an issue with Pheaa/AES when it comes to 2 way calling. They claim that they record the conversations, but then do not give authorization on their end for me to record the call, but they continue recording the call. I believe that just might be subject to analysis by the state because in Pennsylvania, no party can continue recording the conversation if both parties are not in agreement of the other recording the call. I'm almost positive Pheaa/AES records the calls even after I had agreed not to.
Product: Checking or savings account

On Wednesday XX/XX/XXXX I received a text from Chase stating my daily balance. I noticed I was negative and quickly checked my account via mobile app and saw there was an ACH transaction for {$1000.00} to XXXX at XXXX. Yes I have used XXXX in the past but I did not make this transaction. I filed a claim with Chase which they denied. Chase 's decision was based on there being 3 XXXX transactions done in XX/XX/XXXX for {$7.00}, {$30.00} and {$15.00} via ACH. Chase advised to reach out to the merchant ( XXXX ). After I hung up I checked my Chase statements and saw the 3 transactions they were referring to and noticed they were all done via debit card NOT ACH as they stated. Also, I did not have to log in to XXXX to make these transactions. I decided to try to get back into my XXXX account which I was successful in doing and changed my password. I saw the {$1000.00} sitting in XXXX but there is a " limitations '' stuck to it which means I am unable to touch my own money. I called XXXX Monday XX/XX/XXXX and stated my issue. After hours on the phone I was advised my email address XXXX is linked to my very old email address XXXX XXXX XXXX that has a negative balance due to XXXX of {$260.00}. I asked what year is the negative balance from and they advised from XXXX. They also advised they have a statute of limitations that states they will not collect any debt over XXXX years old. I was then advised they would work on unlinking the email addresses and it would be done in 3 business days. I then waited until Friday XX/XX/XXXX and the limitations was still on my account which means I'm still unable to touch my own money. I called XXXX Friday XX/XX/XXXX in the morning and they advised it would be completed by end of day. That did not happen. I called XXXX the same day about XXXX and stated my issue yet again, and the young lady that helped me then sent my issue over to the main office where they will determine whether to unlink my email addresses. I also filed a claim with XXXX on XX/XX/XXXX which was also denied. I called XXXX for an update on Monday XX/XX/XXXX and I was advised to wait for a response via email regarding unlinking the email addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to have ARS ACCOUNT RESOLUTI to verify the debt that has been reported on my consumer report and I have not heard anything in reference to this account.
Product: Debt collection

I had an account with XXXX XXXX XXXX financed by GE Capital in the past. Because financial hardships the account become delinquent and finally was a charged off. On XX/XX/2015 the account was sold to a collection agency named XXXX XXXX and was reported on my credit. The original amount of the debt was {$800.00}. The acocunt was settled for less than the full balance for the amount of {$480.00} with the mentioned collection agency. I was supposed to not have any other financial obligation with the collection agency or original creditor anymore and they agreed to remove the collection account from my credit and they did so. Payment was made on XX/XX/2015. Apparently, GE Capital sold or transferred the XXXX XXXX XXXX  customers to Synchrony Bank but it seems that XXXX XXXX XXXX also transferred an invalid, false and erroneous debt because was paid and settled previously. This is causing me financial and emotional distress because I am tired of calling Synchrony Bank and provided the proof of payment the company always validated that there's no debt and they have no idea why still showing a balance on my credit report. I called the Credit Bureaus and they indicated it is Synchrony Bank responsibility because every time the acocunt has been disputed they respond that the account is accurate, and the balance is real. The negative impact that this agency is causing me is immeasurable. The reporting of false information on my credit is preventing me of continue on with my financial health and for years already has been hurting my score on purpose and under my understanding is prohibited under the Fair Credit Reporting Act to report false and inaccurate information on any consumer credit report.
Product: Credit card

I have an AAA credit card that was transferred from XXXX XXXX XXXXXXXX to Comenity Bank a year or so ago. I have the card for a long time and Comenity just closed my account quite arbitrarily without even providing a clear reason. My credit score has been above 800 and I have been using and paying off the card regularly. 

More details : It started when I tried to add my AAA card to XXXX XXXX on XX/XX/2023, but wasn't able to receive the verification code. Following the app instructions, I called and was able to receive the code the phone rep sent. However, they then told me my phone turned out to be ineligible for identity verification and as a result, my account was suspended automatically by their system. ( I'm on a data-only plan and use XXXX XXXX as my main number. ) They asked me to email photocopies of my driver 's license, social security card, and a utility bill to prove my address. A few days after I emailed, they permanently closed my account because " there continued to be security concerns with my account ''. I called them again and they couldn't even tell me what the problem was as they claimed that they had deleted the email for privacy reasons.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX : {$3500.00} ; XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX XXXX : {$3800.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00}
Product: Mortgage

I have a foreclosure on a property that I no longer own and have n't owned since XXXX XXXX, 2009. There is a company who is continuing to report on my credit report and continue to attempt to collect over XXXX for a loan that they say they purchased from XXXX XXXX XXXX. However, since it was originally part of a bankruptcy they also acknowledge that they 're is no debt thats owed.
Product: Mortgage

I applied to BB & T to refinance my existing mortgage on a vacation home in North Carolina. The process has gone very well with one exception. In the final stages of underwriting, I was asked to sign and return two forms AS A CONDITION OF LOAN APPROVAL. One was to authorize current and future holders of this mortgage to obtain a copy of my tax transcripts for the past two years. Ok with me so far, even though the documentation for my particular loan relating to income depended on my W2, not my tax returns. The second form is what this complaint is about. I am attaching for your review. This is the Borrower 's Consent to use Tax Return Information. This form requires me to agree to provide basically unfettered access to my tax information and forces me to agree to allow the bank or any related party ( current or future ) to use my tax return information for purposes including Marketing etc. When I advised the mortgage processor that I was not willing to provide this unfettered use of my tax return information she responded by saying that according to her supervisor who checked with their Legal department, the form was a requirement of the latest Tax Payer First Act which was signed into law on XX/XX/2019, and that my loan could not go forward without my agreement on this form. As I check this Tax Payer First Act in more detail, it actually provides some rights and protections to me as a tax payer, and specifically states that institutions CAN NOT USE my tax information for things like Marketing without my consent. So in essence, what we have on the part of BB & T, is a flagrant disregard for this portion of the law, by developing this Consent Form that they are making a requirement for approval of my loan. In essence the Act provides this protection, and the bank is forcing me to provide my consent as a condition for loan approval. I would submit to you that my agreement on whether or not this bank can use my tax information for Marketing purposes has absolutely no impact on my ability to repay this loan, and thus should not be held as a condition of loan approval.