23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I, XXXX XXXX XXXX, XXXX  XXXX years old, signed and agreed to install 2 Air Conditioning units from XXXX XXXX XXXX XXXX company valued at {$37000.00} early part of XXXX XXXX was also offered a Promotional loan, No Interest 18 months to pay which I agreed t0. 

On XXXX XXXX, I received by email from Goodleap , LLC, a finance company, Welcome letter, a loan statement for my XXXX bearing an interest of $ 15.49 % and XXXX years term which I immediately rejected ( evidence by my email dated XXXX XXXX attached ) .Informed them of my preference of the Promotional 18 months to pay offered by XXXX 
On XXXX XXXX, Goodleap sent a revised multiple pages loan contract acknowledging the Promotional 18 months to pay No interest, but incorporated with their original 15.49 % interest loan ( also transferring my signature from my signed agreement with XXXX ). 
I started paying based on the 18 moths promotional loan, {$2000.00} on XX/XX/XXXX and every consecutive moths there after till XX/XX/XXXX for a total amount of {$32000.00} and the full amount of {$5500.00} to be paid the following month to pay off the loan. 
On XXXX XXXX, XXXX I received by mail from Goodleap, notice of my loan that it is now {>= $1,000,000} for the simple reason that I did not pay onor before XXXX XXXX. 
I immediately called to pay my balance of {$5500.00} which was denied. I was told that any payment would now go towards accrued interest. I explained and reasoned out to them that the whole month of XXXX is still the XXXX month of my loan. 
The following day, XXXX XXXX, I paid online {$3500.00} intended to pay balance of my Promotional loan but Goodleap applied it to their imposed accrued interest. 
I pleaded with the Supervisors, Managers, Loan Specialists and other people in the company to honor my request to charge me " Late Payment Penalty Fee '' since I missed their imposed XXXX XXXX, XXXX deadline but was completely ingnored and denied. 
I believe this incident is an ABUSE to the consumer. I was taken advantaged of and deceived.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/XXXX i disputed a late payment that had been paid and in XXXX of XXXX the investigation ended by Federal law the reporting agency has 30 day to complete a full investigation with it failed to do. 

In accordance with The Fair Credit Act XXXX XXXX XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A.I have the rights to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer agency CAN NOT furnish an account without my Written instructions.

15 U.S.C 1666B : A creditor may not treat payment on a Credit card under an open end credit plan as late.
Product: Student loan

I tried calling Mohela this week around XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Both times, the phone system told me that they was no one available to answer my phone call. On there web site it states that there customer service is open until XXXXXXXX XXXX EST. 
On XX/XX/XXXX, I called around XXXX XXXX EST and was hold for XXXX hour and XXXX minutes before I had to hang up. Today, XX/XX/XXXX, I was on hold for XXXX hours and XXXX minutes and there phone system hung up on me. I have a question about my public service loan forgiveness application and need to speak with a person.
Product: Credit card

On Tuesday XXXX XXXX, I called regarding a return payment. I was frustrated with the woman because it was a script conversation and I wanted her to touch base with my bank. From there she put me in touch with another person that had no idea what the previous conversation was about. Just as I was, she seemed extremely frustrated. I explained that processing time with Capital One never seems to be correct so I paid my credit card roughly XXXX days in advance of when I would be paid because it will take XXXX for it to come out of my bank account and then another XXXX to post where Capital One gives my credit back. I explained that I didnt know it would be a return payment based on how long it has typically taken in the past. I could never get a direct answer on why its not done at the same amount of time each time. While on the phone, I also paid the entire bill again and it has cleared my bank. I go look today and without notice, they have shut down my credit card. No courtesy call or anything. After XXXX minutes of getting to the fraud line, the lady stated they have the right to close without reason at any time. I told her legally You should give a reason that isnt automated. She stated they closed my card based on XXXX return payments thats Ive had in a year. There was no explanation, no call, no detail and need I say, when there has been XXXX, its been immediately paid. I then asked her, the next person this happens to, do you all shut their card off after XXXX? She would not answer that. I told her it shows the company is not treating their customers fairly and wrongfully using the we can shut your card off at anytime umbrella comment when they please. I believe the worker I spoke with was upset with me and asked to have my card shut down but did it the following day to show it wasnt connected. I hope to prove this from her notes and the companies notes when they met in regards to closing my account.
Product: Consumer Loan

I have been l financing a vehicle from Westlake financial for 2 years now. Anytime I contact the company the representatives are always very rude and handle me very rough. For the most part I paid on my car on time until this second year where things have not been so good. They have also done things such as mislead me in regards to fees associated with my account. I asked to have a due date change to assist me with on time payments and they have refused. I have also explain times of hardship and they do not care. I have asked them if I could make partial payments to pay half of my payment each time I am paid in the same month and they refuse. They have threatened me that if I do n't recover the payments they will repossessed my car and the repossession would be 2 times more than what the payments will be. They have been very rude and has caused very stressful times for me. For instance previously I had a past due balance and originally set up ACH debit. I called to cancel the debit and a representative supposedly updated the information. I received a insufficient funds notification at my financial institution stating that Westlake tried to withdraw the funds anyway without my consent. They charged me a {$15.00} fee XXXX when they were never authorized to withdraw the funds any longer. I really hate that I 've done business with this company they treat their customers very poorly and do not deserve to be in business. They do not understand that people face hardships and are not customer friendly at all. They do not try to work out arrangements they scream at you and tell you you should have made the payment on time then. I have also tried to refinance with another company who could n't figure out why so much interest was being apply to this loan even though at the time of purchase I had a lower credit score. They have also change things such as not reporting to all agencies credit wise and have not notified the consumer. I experienced an instance where another car loan company has tried to pull my credit report and according to the agency Westlake has not been reporting payments to my credit. Overall I am very dissatisfied with their service and the way they treat people.
Product: Checking or savings account

Due to the XXXX  hack, I had been monitoring my information. I was informed of a new account via email. I contacted Wells Fargo and was told that even though the social, name, dob, and all match the account, I could not access it since I stated this account is fraudulent. I found this atrocious. This bank was just punished for fraud, and would not allow a consumer to access an account made by a fraudster in my name, with my social, my date of birth, my phone number, my address etc. they told me I needed to contact a different department in the morning. IE : they wanted to allow the fraud to perpetuate for at least 12 more hours, resulting in the fraudsters being able to change the address, and email associated with the account to intercept the information and apply for other means of credit! NOT TODAY! I called back, totally made my self to be the account owner ( since I legally was ), and had the account closed. This should have happened the first call. 
Stop Wells Fargo from allowing fraudulent accounts to be opened so easy.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I ordered an XXXX XXXX XXXX from XXXX on XX/XX/2022. XXXX showed that the package was delivered on XX/XX/2022 but I never received the package. After waiting for a couple more days, I first contacted XXXX  XXXX  which did not help at all so I opened a dispute on my Discover credit card on XXXX XXXX. On XX/XX/XXXX, Discover resolved the the dispute in favor of XXXX based on the fact that XXXX showed the item as delivered. I simultaneously filed a claim with XXXX  based on advice I got from discover customer support. XXXX could not locate the package and marked it as lost. Discover is still refusing to reconsider the dispute regardless of the fact that I never received my item.
Product: Credit card or prepaid card

USAA has engaged in predatory and harassing behaviorism an attempt to force me to pay impossible payments, beyond my income capability. They call and harrass me four or more times a day, and will not work with my limited income - even though I have requested this since XXXX. They have changed my required payment up and added fees making it impossible to get out from under this debt despite paying {$100.00} a month from my low income. They also allowed a bogus charge against my account through a fraudulent XXXX account to pay for a boosted post on XXXX back in XXXX. A third party charged my account without my authiruzatiin, or permission. I would like damages and Attorneys fees to be paid by USAA credit card, for predatoey behavior leading me to suffer from intentional infliction of mental anguish. And possiblt adverse credit reporting. USAA has refused to work with me in resolving this issue ( letter on file ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Also, their dispute resolution process was so unfair, didnt comply with ( EFTA ) the Electronic fund transfer act and regulations E. These act has caused significant inconvenience and financial loss
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported these inquiries to Experian Who insisted that the addresses listed in my pdf warning letter to them were valid even though they are not legitimate addresses Nor do they belong to me One of the address doesnt even exist yet they continue to allow it to negatively impact my credit profile while attached to fraudulent debts
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate disputes i filed with them.
Product: Checking or savings account

in XXXX of 2022 XXXX XXXX  received 6 ERC checks from the IRS. I DEPOSITED them in my navy federal account.they put a 14 day hold on the checks after 14 days the funds were relesed into my account. 8 days later that removed the money from my account and stated the checks were fraudlant and returned back to the IRS. I CONTACTED THE IRS THEY WERE NOT SURE WHY THE BANK WAS STATING THE CHECKS WERE FRAUD BUT THEY DID confirm they never received the checks back.i was told to do a tracier with the dept of treasury because i never received the funds. once the trace was completed it was deemed that navy federal still had the checks and it was nothing they could do because i signed and deposited the checks. i then contacted the bank again they stated that the checks were deemed most likely fraud by the check verfication dept because it was 6 of them. but they were never paid for the checks so they are not relasing any more info to me.

i obtained a tax transcript from the IRS showing the checking were sent out to me and no funds were never sent back on my behalf.

navy federal also closed my account due to high risk activity and cause all the otherf banks to close my accounts as well.this has effected my business terribly
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 : XXXXXXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Mortgage

I have a XXXX mortgage with Wells Fargo. They have tried everything toforeclose on my mortgage illegally. I was denied a loan modificationseveral times. Many of my payments went unreported. 
I sent for information from them on my mortgage, they neversent anything. I filed Bankruptcy and they would not comply with thecourt. They ignored every request from the courts and from myattorney. I asked them again for a modification and they soldmy loan to XXXX XXXX XXXX XXXX XXXX XXXX LOANS
Product: Credit reporting, credit repair services, or other personal consumer reports

these are Unauthorized Inquiry on my credit report from these lenders which I have no idea or memory of engaging and benefiting from their services! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX22 I sent the collection agency s letter to validate my debt by sending me a copy of any viable evidence bearing my signature and showing the amount reported as inaccurate. I also requested how they verified the account without providing any proof bearing my signature. I requested a copy of any documents bearing my signature showing that I legally have a binding contractual obligation to pay the alleged amount. They did not send me anything bearing my signature and just sent a letter saying it was verified. I wish this to be deleted from my credit bureaus or I will be forced to file a small claims action seeking a minimum of {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer
reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following inquiries XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

15 U.S.C. 1681 account section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

This is not a complaint on you. I have been getting emails about someone disputing with the reporting agencies in my name I was wonder if you show any disputes from any of the 3 reporting agencies in my name? Just really worried if you could please let me know
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Full Compliance Sweep of Non-Compliant Debt Collectors Dear Experian Dispute Department, I am writing to formally request a review and compliance audit of all accounts reported on my credit file to ensure full adherence to Metro 2 standards. As you are aware, Metro 2 compliance is crucial for ensuring that all information reported to the credit bureaus is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, I am requesting a full sweep of all reported accounts to verify that the following standards are met for each tradeline : 1. Accuracy : All reported information, including account balances, payment history, status, and dates, must be accurate and verifiable.

2. Validation of Accounts : All debt collectors reporting accounts to my file must provide full validation of the debts, including proper documentation to substantiate the claims.

3. Compliance with the FCRA : Any account that fails to meet FCRA requirements or Metro 2 standards should be removed from my credit file immediately.

I believe some of the accounts reported by debt collectors may not meet these standards. In particular, please ensure that : All accounts have accurate and updated information.

Accounts are reported in the correct status, including any that may be beyond the statute of limitations.

Any unverifiable accounts are promptly removed.

Please provide me with a detailed summary of the actions taken, including confirmation of compliance for all accounts and notification of any deletions or corrections made.

I trust that Experian will handle this request promptly and in accordance with its legal obligations. Thank you for your attention to this matter. Please contact me directly should you require additional information. 

Sincerely, XXXX XXXX
Product: Mortgage

this will be an update to my  CFPB/Regulatory Case Number  :  XXXX  dated      XXXX   XXXX   2017.    I have repeatedly tried to get the deed-in-lieu of foreclosure documents from  Bayview Loan Servicing LLC.  to allow me to start the process.   on   XX/XX/XXXX ,  I receive a  XXXX  mail asking me to start the deed-in-lieu documentation ; NO Documents were included to start the process. I have asked verbally to  XXXX   XXXX   XXXX  for the documents, for three weeks thru   XX/XX/XXXX , I have writt en to Bayview,  XXXX   XXXX   XXXX  and his manager  XXXX   XXXX   XXXX , on   XX/XX/XXXX  and  XX/XX/XXXX   via USPS, asking for written confirmation of receipt of these letters. No confirmation was received to either.   Finally on   XX/XX/XXXX  I r eceive the correct blank documents from Bayview, I have the coverdoc. from  XXXX .   next day   XXXX / XXXX /2017 I t ook the completed docs to  XXXX , at mid-afternoon EST, the fax machine at  Bayview, was inoperable, within the time suggested by Bayview  :  XXXX  thru  XXXX  MST. Sat   XXXX   XXXX   / XXXX /17 I  returned to scan the docs to a  USB drive,   returned home and emailed the nine pages ( as attachment  ) to    XXXX  XXXX  XXXX . the email never arrived. Wednesday   XX/XX/XXXX , I re-sent the same em ail with attachments to  XXXX   XXXX  and  XXXX   XXXX , consumer advocate a t Bayview. I have no email confirmation from Bayview. Toda  y  XX/XX/XXXX  I rece ive notice my application for deed-in-lieu process, is too late to delay the  Sh  eriff 's sale. Please ask Bayview a nd  XXXX   XXXX , about the three week delay in   XX/XX/XXXX , a nd now it is too late!?   I am very disappointed by the lack of professionalism, and very slow communication by Bayview and  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw a late payment that I was not aware of. I always make sure to pay on time. Below is the late payment appearing XXXX  XXXX I wanted this late payment appearing removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were the result of a data breach, and I have no association with them. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information permanently removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted 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
Product: Credit reporting or other personal consumer reports

I have reported fraud on my credit report as there is a collection of {$390.00} on my account that is fraudulent. I have disputed this collection on all 3 credit bureaus multiple times along with the address associated with the account as it is not valid. This account has not been removed from my report. The fraudulent account that is being reported on my credit report is XXXX XXXX XXXX. I have not conducted any business with XXXX XXXX XXXX or XXXX XXXX. This account was opened on my report on XX/XX/2021. I would like to have this account removed from my credit report as it is fraud and possibly identity theft.