23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased furniture from XXXX, they issued a credit card through XXXX. I contacted XXXX multiple times to have them come repair the furniture ( I purchased the warranty ). They refused. They then closed my account ( charge off ) XX/XX/XXXX. ( XXXX  ). I was then taken to civil court for the amount owed by XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX. Agreed to a garnishment in XXXX XXXX paid. Now XXXX is still on my credit report as a charge off. But had incorrect dates all together & when I disputed through XXXX, they left it on my credit report and changed the dates. How can I owe this debt to XXXXXXXX XXXX to XXXX, be sued from XXXX, have my wages garnished & still owe the full amount to XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

west lake paid in full still showing on my credit report cra violation inaccurate information
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. The practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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
Product: Debt collection

XX/XX/2020 my husband XXXX XXXX had an accident. The insurance had lapsed and the vehicle is registered to both of us. There was a claim with XXXX which resulted in the loss of his drivers license. I had the vehicle parked and wasnt driving it. I wasnt around when the incident occurred. In Tennessee there is a statue of limitations. XXXX didnt come for me but my husband. I spoke with an agent from National Service Bureau. She asked to speak with my husband I let her know that he wasnt available and we dont live together as were going through divorce. She told me that they were going to suspend my drivers license if I didnt pay. She said if I did pay she could send some documents so I can show a gesture of good faith preventing them from suspending my license. This is a debt collection agency and they threatened to do something that legally they cant do.
Product: Debt collection

Monday XX/XX/XXXX I called to dispute a dept from XXXX the manager was extremely rude and refused to accept my dispute And in which I was trying to tell him that XXXX XXXX started happening when the debt came about and that I was affected during that time. Then he proceeds to argue with me telling me that covid 19 is not that bad anymore compared to what it was back then in XXXX.And when I was trying to explain that it was he then hung up on me. I was bullied by him and was not heard. I was going to give in and not dispute this or try to because he wasn't going to let me, so I asked if I paid monthly what would my payments be he gave me a estimate of {$93.00} a month. I hung up because I was very upset with his attitude that he continued to give me. Today XX/XX/XXXX I called again to try and settle a monthly payment that fit my finances. It was a different employee who told me I had to pay {$320.00} for the next 7 months. I do not like being lied to or bullied and that's exactly what this company is doing to me.
Product: Consumer Loan

I keep getting paperwork for a debt I have no idea about i never took out a loan in the amount of {$3700.00} i have no knowledge of this amount it is not mine. I could never get a loan and want to know what this is for. They keep sending me these notices I have no idea about show me what this is for and what amount this if what i applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2019 I've submitted my dispute letters to XXXX, XXXX XXXX, and Experian, but also the collection agency XXXX XXXX XXXX XXXX XX/XX/2019 I received a letter of correspondence from XXXX stating that my concerns were reviewed yet the item is still on my XXXX   report and my Experian report. On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay collection agency, no contract bearing my hand written signature on it at all. 
my ability to get things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The  credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XXXX XXXX XXXX XXXX credit update as proof that the account has been closed.
Product: Credit card or prepaid card

i hate to use this to write you. its not really a complaint i cant get thru by phone or by letter no response. Also your phone system needs improvement i have lost much time. sometimes it recognizes my card last 4 digits sometimes no it takes a lot of my time. 
card eding XXXX i am out of work. please help me extend the 5 percent interest thru XXXX.also as a courtesy for my 30 year relationship if there is interest which i know is valid please credit it please dont throw it in my face i am a good customer vs those who dont pay at all who get all their fees waived. please credit it for my loyalty, longevity and all the time i lose when i call with that phone system this is for my At and T univ card. pelase dont put notes on my account either. 
i am out of work. also system says they mailed me a card i have no new card.please help with these 3 items without making me feel bad about asking. 
please XXXX XXXX a card not mail. no fees please.
Product: Debt collection

The first time I was informed of the collection was XX/XX/2017, I received a collection letter from Procollect. An individual XXXX XXXX XXXX XXXX leased an apartment using my Information. I contacted the collection agency immediately and they said I had to pay. I contacted the 3 credit bureaus, placed identity theft on my credit and sent in documents to have it removed. After Initial call, I called about 3 more times to speak with the rep handling my file, she seemed unconcerned about my situation and rude, every time just said to email documents because she never received. Procollect has never sent a document signed by me, or any evidence that ties me to that lease agreement, they didnt even investigate because if they had they would notice the names are not the same. I have given up with no one listening. I am now in need for this to be fixed. I need to be able to rent an apartment under my name so I am asking to please fix this error that has been a pain for the last 4 YEARS.
Product: Student loan

1 - I called Navient to inquire about paying the balance of my loan off and was told that I needed to pay the balance + future interests. The terms of my loan state that there is no early re-payment penalty, but paying the balance + future interest sounds exactly like an early repayment penalty! I understand paying past interest, obviously, but why would I have to pay future interest on a loan I want to pay-off? 
2- I also went into forbearance for a while due to unemployment and continued to accrue interest during this time 3 - I called to see if I could get my payments changed to match my income ... the response was a payment amount WAY above what I could reasonably afford with local housing, food, living costs under consideration.
Product: Mortgage

I began a mortgage application with Wells Fargo ( with XXXX XXXX mortgage banker ) back in XXXX ( XX/XX/22 ) and was upfront with them that my property is under litigation and that it may be difficult for loan approval. The team requested many documents from me over the span of 2 months, from my own personal financial documents to XXXX documents and legal documents relating to the litigation. After much back and forth and communication with the mortgage team, I was given instruction to obtain an appraisal of my property. I specifically stated I do not want to obtain an appraisal unless the loan would be approved and that the litigation would not be a problem. The team confirmed that I had conditional approval from the project approval team and that we were in the final steps of escrow closing. I was charged {$690.00} for the appraisal and yet after the appraisal was told that the project was too high risk and that it was rejected by the project approval team. Essentially I was in this drawn out process with Wells Fargo for 2 months while interest rates were doubling. Only to be led to believe my application would be approved but was actually rejected last minute. I want at least a refund of the appraisal fee but at this rate I will not be able to find a mortgage with the rate of 3.125 % that I was quoted from Wells Fargo and that is a huge loss to me as well. They wasted my time and money.
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/14, I mobile deposited at check with Frost Bank around XXXX XXXX CST, after I deposited the check, I noticed that my mobile banking locked up and I couldn't access it anymore. I then called customer service and tried to see why my bank account was locked and why I couldn't access it. I was then told by a customer service representative that since my account is a newly opened account, they could not put a hold on my account, so they ended up freezing it for the time being until the check issue could be resolved. The representative then got me in contact with a banker from Frost Bank. The banker asked me if I could get a contact number for my employer to have the check that was deposited into the account verified. She then stated that, if we could not get the company to verify the check, she would then have one last option which was to call the banking institute that my employer used for the checks. The banking institute is XXXX  XXXX XXXX, XXXX. So the problem is I definitely understand the whole thing about the banker not working over the weekend because it's her off days, but I've called her several times yesterday to see if she at least tried to call XXXX  XXXX XXXX like she said she would to get my check verified. I've already waited for weeks for my employer to send out the check to me, but now to have issues with depositing it as well. I need my money and I'm frustrated because the representative who helped me Friday assured me that once she came back from her weekend off days that she would help me get the check verified. Yesterdat when I called her she basically just ignored me, and come to find out that she could have helped me, I'm frustrated when I mobile deposited the check it said that I would have to wait on XXXX business days, but it's been more than a week.
Product: Credit card

Ive called multiple times on a recorded line of Comenity Capital and they would confirm my address they already had on file and then they say they will send it and Ive never received it and they are charging me way more then what they said they have tried to tell me I refused statements however Ive tried on multiple occasions to get it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made contact with XXXX, XXXX and Experian for the past four months in 30-35 days via certified mail and phone calls.
I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XX/XX/XXXX, USPS certified receipt # XXXX, and another certified letter on XX/XX/XXXX, USPS certified # XXXX, which was return. On XX/XX/XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address USPS certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. 

Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 

3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XX/XX/XXXX, who is a management representative for XXXX XXXX XXXX. 

4 ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the XXXX, XXXX and Experian credit reports this information is " accurate and has been verified. '' 5 ) On the XXXX credit report the debt is listed twice ; which is inaccurate. 

Should XXXX, XXXX, and Experian verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months.
Product: Checking or savings account

Every month going back to last fall I have been receiving a {$XXXX} fee from XXXX XXXXo in my Everyday Checking Account. I get that they charge fees to people with lower funds as unethical as it XXXX be, but my problem is that they never give me a fixed date on which the fee is to be charged. I can avoid the monthly fee by maintaining a minimum daily balance of {$XXXX} during the fee period/on the fee date, but XXXX XXXX  charges the fee on the fifteenth of some months and the seventeenth of others. It's this moving goal post that is not right in my opinion.
Product: Credit reporting or other personal consumer reports

Portfolio recovery- they continue to update the balance for new dates dinging my credit, I never owed them I never payed them they didnt want to settle for less I tried to pay them .how do they get to keep updating the balance owed and or dates? Thats not right
Product: Credit reporting, credit repair services, or other personal consumer reports

There's FRAUDULENT ACCOUNTS and addresses on my consumer report which I've reported a number of times, AND they have yet to be removed. I've never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX. You, XXXX, TRANSUNION, and XXXX are all in VIOLATION of my rights. Because you have reported FRAUDULENT information to my consumer report, my life had been in shambles... So please remove the address listed ABOVE from my consumer report.
Product: Credit card

During Hurricane XXXX  I lost power and mobile phone service for 5 days. During this time, my checking account at Wells Fargo over-drafted to my Wells Fargo Credit Card. I had the cash in other accounts however due to Hurricane XXXX  I had no internet access, phone access, or ability to drive to my bank in person.

The day my power returned, I was able to check my account and discovered this happened. I called and made a payment to the credit card for ONLY the overdraft amount specifically. This is the second month Wells Fargo has billed me cash advance interest on this fully-paid amount. 

Wells Fargo advertised in many places here to help hurricane victims- however after multiple phone calls this is not happening. It feels more like Wells Fargo is laughing at how they are taking advantage of hurricane victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several FCRA violations FCRA 611 ( 15 U.S.C. 1681I ) You have yet to provide with information I have requested : 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 - any and all accounts 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX. 

Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # Reference # : XXXX / Public Records Bankruptcy Account # Reference # : XXXX Public Records Bankruptcy 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 card or prepaid card

i had a Capital One credit card and they kept waiting days and days to take my money, even though i talked to my bank and the funds were there, they would processes it for days, so that i would get a late fee on my credit report, i paid extra every month, and they said my payments were returned and theres no way i had money in my account, i looked at my payments and what i purchased and the way i see it is they owe me XXXX dollars that i paid extra because they took so long to take my payment they ruined my credit, and i talked to someone just last week he said my ballance was XXXX, i have a witness to all this as well, please help
Product: Credit card

I made a purchase in XXXX for {$820.00} but returned the item and received a refund. Chase applied the refund to a {$0.00} interest balance, leaving me with an {$820.00} interest accruing balance and nearly wiping out my promotional balance. This violated laws around applying payments to the highest interest account and defies logic as the return should have been applied to the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing of disputes, particularly in light of the CFPB lawsuit highlighting significance issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering loss funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I am trying to get an inherited property in my name. I am trying to assume the mortgage on a home left to me by my father who passed away in XX/XX/2021. The will has been probated. I have submitted all required paper work to the mortgage company Mr.Cooper may times. For over a year, I have been trying to assume the mortgage. I have emailed digital and have mailed physical required documents. 

Also, I have been making payments on the property for over a year. They do not have a direct number for me to speak to the department. I recieve letters telling me I missed the deadline and need to start over. This has happened numerous times over the year. 
The loan is a FHA loan which is assumable.