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

XXXX XXXX XXXX - XXXX I keep disputing the late payments for XX/XX/XXXX and XX/XX/XXXX. However, Experian has updated the incorrect months. They updated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as ND ( No Data Available ). Please update these months to what they were before as current. 
For the month of XX/XX/XXXX and XX/XX/XXXX I have sent supporting documents to show that the payments were not late. Based on consistent reporting pattern, each months payment has historically been reported the following monthfor example : XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX. 
However, this pattern was not followed for XXXX and XXXX. XX/XX/XXXX was reported to the credit bureaus on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX, resulting in late payments on my credit report. The agency needs to review the documents I submitted and update my credit report accordingly. I am exercising my right under the Fair Credit Reporting Act, Section 611 ( 1 ) ( A ), to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX This account is currently reporting inaccurately. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate with the provided supporting documents. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to delete all information that are inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within 30 days of this letter.
Product: Mortgage

Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Select Portfolio Servicing Regarding Escrow Mismanagement and Predatory Practices Dear CFPB, I am writing to formally file a complaint against Select Portfolio Servicing ( SPS ) for their egregious mismanagement of escrow funds, failure to meet their contractual obligations, and predatory servicing practices that are jeopardizing my property. 

In the loan document provided ( dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX ), Section XXXX.04.3 specifies that the lender is responsible for holding escrowed funds to pay property taxes and insurance premiums on time. Despite this clear obligation, SPS has failed to fulfill these responsibilities. 

Failure to Pay Property Taxes on Time : SPS did not pay my property taxes on time, resulting in penalties that I was forced to pay out-of-pocket. This is a breach of the escrow agreement and has caused undue financial harm. 

Mischaracterization of Insurance Obligations : On XX/XX/XXXX, at approximately XXXX XXXX, I spoke with XXXX, a representative from SPS. He claimed that the escrowed funds were for " risk insurance '' rather than " property insurance. '' This distinction is deceptive and appears to be an intentional effort to evade their obligation to pay for my property insurance policy ( XXXX XXXX, Policy Number XXXX ). 

Potential Risk of XXXXosing Insurance and Property : SPSs failure to pay property insurance premiums on time risks cancellation of my insurance policy. This not only exposes my property to significant risk but also appears to be part of a pattern of predatory servicing practices designed to cause financial distress and potentially force foreclosure. 

These actions represent a direct violation of the terms outlined in the loan agreement and may also contravene federal laws governing fair and responsible mortgage servicing. 

I am pleading for your assistance in addressing this matter. SPSs practices are harming me financially and emotionally, and I fear they are putting my property at further risk. I request the CFPB to investigate SPS for : Mismanagement of escrow funds, Non-compliance with contractual obligations, Unfair and deceptive servicing practices, and Predatory tactics that could lead to loss of insurance or foreclosure. 
Please find attached the relevant portions of my loan agreement and additional documentation substantiating my claims. 

Thank you for your time and attention to this matter. I look forward to your response and am available to provide further information or clarification as needed. 

Sincerely, XXXX XXXX
Product: Debt collection

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682. I also assert my right to opt out of transaction history per US Code 6801 privacy obligation policy. I am writing to dispute the accuracy of the information on my credit report. Upon reviewing the report, I have noticed several inaccuracies that require your immediate attention.

12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) MOST RECENTLY AMENDED XXXXXXXX XXXX XXXX Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. 
12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.
Product: Checking or savings account

I attempted to open a checking account in my name only at the Truist Bank, XXXX XXXX branch in XXXX Georgia XX/XX/XXXX. The bank employee took my SS # and address and entered into the Truist system. She was then directed to call the Truist Fraud division before opening the account. After the call, she indicated that I could not open an account due to information the Truist Fraud Division had on me personally. Yet, I have no way of knowing what that information is or how to possibly address and correct it. 

I am an Officer / Commercial lender for an FDIC regulated Bank in Georgia and I am being told by another FDIC regulated Bank that I can not do business there due to some untold fraudulent or criminal activity, yet no one at Truist will help me address it. I am concerned that the information Truist holds may impact my job here at this Bank. Or possibly, any job I apply for in the future. 

As a consumer, I respectfully request the opportunity to clear my name and address any suspicious activity that's preventing me from doing business with Truist Bank. No one at Truist will discuss the situation.
Product: Credit card or prepaid card

I only purchased chicken tenders, nothing else! XXXX employee did NOT give me receipt as they ran out of receipt tape!! The other items on the " alleged '' transaction are NOT mine!!!
Product: Money transfer, virtual currency, or money service

I am writing to make a complaint about Capital One Bank. About a month ago, on the date XX/XX/2018, Capital One Bank has decided that they want to infringe on my financial freedom by limiting my access to 3rd-party financial applications ( XXXX XXXX XXXX  XXXX ) and the decision to suddenly and temporarily no longer working with XXXX XXXX. Due to this, I no longer have access to these applications, or the ability to move funds between them and my Capital One account, and I don't have the ability to deposit money into my XXXX XXXX XXXX. This is an issue for me. I have personally contacted the customer service lines for both XXXX and XXXX, and they have both said that Capital One has severed the connection with them. Upon further investigation and reading multiple articles about the issue and reading a direct statement from XXXX XXXX, Capital One 's reason for severing the connection between them and the XXXX applications, was because Capital One wants you to instead use their Investing Services instead of someone else 's. I am writing this complaint in a last attempt for you, the CFPB, to intervene on this matter and fix this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a money order from XXXX and her fiance, XXXX. The money order amount is {$190.00}. XXXX gave it to me to pay for services they received. XXXX and her fiance XXXX both reassured me that the money order is legitimate and that they would never do that to me or anyone. I took her word for it. It was a legitimate money from Western Union in the amount of {$190.00} and XXXX made it out to me right in front of me. She also asked me to take a picture of the money order as well as the bottom receipt which I've enclosed in this complaint. I didn't go to cash the money for a few weeks. Before going to cash it I verified again the amount and the automated system said that a refund request was submitted on XX/XX/year>. It said nothing else. I then immediately called XXXX and I got no answer and left her a text message stating that the money order she gave me isn't able to be cashed because a refund request was submitted. She responded back saying she had no idea what I was talking about and that she didn't do any refund request. I know that's false. She also apologized for that and said she would correct the problem. I even told Western Union this and she basically scammed myself and Western Union out of this money. How is that legal? I have the uncashed money order. XXXX submitted the receipt yes but that's to defraud Western Union in order to get money back. I was scammed out of my money and don't think that's fair of Western Union to not issue my refund or even respond to my request for help when calling numerous times. I need some help with this matter please. If someone could please contact me at your earliest convenience I'd greatly appreciate it. Thank you for your time and help with with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with XXXX XXXX XXXX XXXX. I contacted XXXX and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and XXXX was paid in XX/XX/XXXX. However, XXXX has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to XXXX to request a good faith removal as this was not reported accurately. XXXX refuse to XXXX my request. XXXX has reported 60 days late in XX/XX/XXXX to XXXX and Transunion credit reporting agency and has reported to XXXX 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. XXXX was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

CMRE is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX ( XXXX XXXX XXXX ) for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by CMRE. If you look in that CMRE file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXX XXXX XXXX XXXX XXXX insurance company and credit collector CMRE 's fault. 

I have also attatched a screenshot of the tradeline from my credit reports.
Product: Credit card or prepaid card

Hello, I have a Chase Sapphire Reserve Credit Card. This has a {$400.00} annual subscription so I generally expect pretty good service from the card. These are troubling times and I wanted to make a purchase of flowers from the Chase portal 's recommended florist, XXXX, and pay with my Chase Sapphire points. I went through the Chase Portal to get on the XXXX site and purchased an arrangement to send to my mother in Michigan. I specifically selected Chase Pay as my payment option and then clicked Pay with Points. After that, I saw that the website never showed me how many points it would cost but it did just charge me {$75.00}. I called Chase for help. They said I must have made a mistake to cancel the order and try again. I called XXXX and waited almost an hour on hold to have someone cancel my order. As far as I can see, it still has not been cancelled. Then I tried the portal again. The same thing happened. I called Chase again for help and this time I was transferred to tech support who told me that Chase Pay is obsolete and none of their vendors should be using it as they have a new payment system. She said I should know not to use Chase Pay. This was my first time attempting to buy anything with points through the Chase portal other than travel. I then realized that XXXX did not just charge me XXXX twice ( so {$150.00} total ) when I selected to pay with points, they also took XXXX points out of my account. When I go to see my point activity this does not show up at all. So there is no record of these points leaving my account. No one would have any idea they were charged. I figured it out because I knew I had more points that morning and went back to look at previous statements. XXXX points was missing. I called Chase again for help and they said they would look into it. This was now 72 hours ago. I would never, ever want to do business with XXXX again and I do not trust the Chase system to process payments for anything. I'd like a refund of XXXX points and my {$150.00} back. They also need to make sure the people they say have functioning platforms on their system actually are functioning and not scamming customers and robbing them of their hard earned points. Thank you.
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. 
# XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX 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. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

About 4 years ago I took out an auto title loan with RAPID AITO LOANS based out of XXXX XXXX. 
That loan was paid in full in an amount agreed to by an officer or employee of said company on XX/XX/2022 and was told it would take 15 days to release the lien. 
After numerous phone calls in attempts to have the line released it has not been affective. 
So I'm reading out to my US SENATOR XXXX XXXX
Product: Credit card

After cancelling paperless billing with Discover Card because the online bills were always blank, My paper statements are not sent to me. I have to remember to call Discover Card every month and have them create and send my statements. Their customer support always tells me that everything looks fine on their systems but yet the statement is not sent unless I call and tell them I have not received it.
Product: Credit reporting or other personal consumer reports

I learned of this account upon checking my credit reports. I have attempted to dispute the debt. However, it continues to be noted as verified. XXXX in particular seems to be using internal practices to prevent my disputes from being processed completely. This occurrance is a recent as today. My most recent dispute read as follows : Your firm has violated provisions of the FDCPA by implying the legal status of the debt is collectible ; by reporting the alleged debt to the credit bureaus. [ 15 USC 1692e ] Please remove this account immediately.

My position is one, I was completely unaware of this account. Two, I am unaware whether or not this account belongs to me, and furthermore, according to the information provided on my credit report the original creditor account of the alleged debt is out of the statute of limitations, and this appears to be an attempt to collect on zombie debt. Absent of adequate documentation to prove in court that this entity has a legal right to report this negative information on my credit report, they are in violation of the Fair Credit Reporting Act as well as the FDCPA. Non-compliance may render this entity into serious litigation with the FTC and other governmental agencies. Under the FCRA and the FCRA, each violation is subject to a {$1000.00} fine payable to me.
Product: Checking or savings account

I had an XXXX appointment on XX/XX/2022 at Wells Fargo in XXXX, GA with XXXX XXXX XXXX, in which I planned to set up a Business Checking Account. This was in response to a mailer I received at my office address, also in XXXX, Georgia. 

For verification purposes, I provided her with my driver 's license, US passport card, XXXX letter from the IRS, and original LLC filings with the state of Georgia. She took additional verification steps and printed the current documents from the Georgia Secretary of State website. Even though these documents show " Active/Compliant, '' she advised that she needed to be sure that my office address was indeed my office address, and asked for my current leasing document. 

I found this to be odd, but complied. While sitting in her office, I found an email from my landlord on my phone and emailed her a copy of my renewal lease that was sent to me just a few months back. This still was not enough for her. She printed the document and asked me to sign it. Alternatively, I was told that I could come back later that afternoon with a signed copy of my leasing document. 

In all my years of dealing with financial institutions, I have NEVER been asked to provide a leasing document prior to opening a business account. In fact, requiring this document from me would imply that Wells Fargo does not offer business accounts to anyone without commercial office space, and I know that isn't the case. 

Coincidentally, I just opened a business account with XXXX Bank on Tuesday, XX/XX/2022. They didn't require a leasing document nor did they even ask for one. Providing them with the mailer I received at my office address was good enough. 

I called Wells Fargo at XXXX and filed a verbal complaint with XXXX XXXX. She gave me the mailing address to the XXXX office, and I will be mailing them directly. I also plan to file a complaint against Wells Fargo to the Attorney General 's office and the Federal Reserve.
Product: Credit reporting or other personal consumer reports

I have noticed several fraudulent accounts being furnished on my credit report for the month of XXXX. I am really frustrated after finding out about this situation as I couldnt believe that someone could have access to my credit profile without my knowledge and used my identity for their own advantage. Please take these fraudulent items off of my record as soon as possible. 

I have already created an Identity Report for my own protection as I dont want my name to be put in shame due to these deceptive items found on my files that I have no knowledge of. Please see the following fake accounts below : XXXX XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX, and XXXX XXXX, has failed to investigate my disputes annd unauthorized inquiries under the fair credit reporting act. I have disputed this information XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. The consumer financial protection bureau has recently filed a lawsuit against Experian for not investigating, passing information for investigations, excepting unreliable responses, and not notifying consumers. Also, Experian, XXXX, and XXXX have reported over the past two years of data breaches on all consumer accounts, including mine. These failures with Experian, XXXX, XXXX, and XXXX XXXX are aligned with what the lawsuit is currently about. This is causing great harm to my livelihood, credit standing, housing, employment, and health and well-being. I am requesting immediate correction and removal of the disputed accounts, freeze on all of my credit reports. They are in violation of federal law and my consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ( SEE ATTACHMENTS ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " ALL THE COMPANIES '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

XXXX XXXX sent statement with statement coupons showing my address but I never received anything in the mail. XXXX is saying XXXX XXXX XXXX XXXX ( XXXX  ) is the servicer of these accounts, I'm confused which company is it? 
How can three different Companies report inaccurate information on my Consumer Credit Report?

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.