23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Williams & Fudge just attempted to contact a family member residence to request information pertaining to XXXX XXXX XXXX, consumer, however, consumer XXXX XXXX XXXX answered the residential phone and asked what the business matter was in regards to and the representative XXXX indicated that she could not disclose. Therefore, it was suggested that XXXX not contact family members again as I have no business matters that I use family members address or phone number ( s ) for. It is believed that after reviewing the webpage for Williams & Fudge that this matter is related to XXXX University and the complaint should be associated with XXXX. XXXX University additionally contacted XXXX XXXX XXXX  on XXXX XXXX, 2017 via personal email to fill out additional paper for financial aid, however, the consumer has not done so. Additionally, I was charged a graduation fee and I do n't see or have received a letter telling me where to pick up the diploma ( Tennessee ).
Product: Credit reporting

An account was opened with Navy Federal Credit union which lists me as an authorized user on a credit card that I have never had possession of or have never used
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following accounts that do not belong to me : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXXXXXX XXXXk account XXXX XXXX. XXXX XXXX XXXX account XXXX
Product: Debt collection

I paid off my First Progress credit card in full but now they are refusing to send updates to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX CAINE & WEINER ( XXXX ) XXXX XXXX XXXX ; XXXX ; XXXX ( XXXX ) CAINE & WEINER COMPANY INC. ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on CAINE & WEINER with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Mortgage

I have repeatedly contacted Wells Fargo regarding how they process mortgage payments. Each time they receive a payment their system automatically charges a full months interest - irrespective of the number of days elapsed since the last payment. In many instances, I have made payments more frequently than required under the mortgage. In some cases with fewer than XXXX weeks between payments. With each payment be charged a full month 's interest, the end result is that I have been charged the equivalent of XXXX months ' worth of interest in XXXX month. 

While I suspect that this is an unintentional systems design error, Wells Fargo refuses to correct the situation. Their most recent letter dated XXXX XXXX, XXXX indicates that this is their standard practice and in accordance with the terms of my mortgage note, which they attached. In reality it is both unfair and resulting in my account being charged substantially more interest than is required under the mortgage note. 

In addition to my own experience, I am sure there are other borrowers who have made similar frequent payments and unknowingly been charged more interest. In fact, Wells Fargo 's own mortgage website encourages borrowers to make twice monthly payments or exceptional XXXX time payments to reduce interest charges. In reality, the end result is that Wells Fargo will actually charge more interest rather than less. 

Aside from my direct contact with the XXXX XXXX and XXXX XXXX which has resulted in no change to this unfair practice, I have also emailed both Wells Fargo 's Investor Relations team and XXXX XXXX XXXX. I have not received a response to either of these emails.
Product: Mortgage

In response to - COMPLAINT ID XXXX - Which was closed prematurely and has lots of issues that remain unaddressed : In response to ServiceMacs recent reply to my CFPB complaint, I must point out a significant inconsistency in the explanation provided regarding PMI removal timelines. In multiple written communications and phone conversations prior to my complaint, ServiceMac clearly stated that the PMI removal decision would be made within 1015 business days after the completion of the XXXX. I relied on this specific timeframe when paying the {$190.00} fee and proceeding in good faith with the process. 

However, in your response to the CFPB, you now reference a 45-day timeframe based on your PMI Removal Form. This represents a direct contradiction. If the 45-day window is your formal policy, then issuing a more specific 1015 day promiseafter payment was collected and the XXXX was completedcreates confusion and undermines the reliability of your servicing practices. A consumer should not be held to your forms general conditions if your representatives make more specific assurances in writing. 

Additionally, the CFPB response asserts that ServiceMac has no control over the timing of the XXXX or the investors review because the vendor is assigned by XXXX XXXX. If this is true, it is inappropriate for your company to promise a specific turnaround time that you can not influence. Making such assurances and then disclaiming responsibility constitutes, at best, a breakdown in internal communication, and at worst, a deceptive or misleading servicing practice under Regulation X and the CFPBs Mortgage Servicing Rules.

I request that the CFPB consider whether it is acceptable for a servicer to : Promise a concrete turnaround timeline after collecting a fee from the borrower ; Fail to meet that timeline ; Then retroactively cite a broader policy while disavowing any control or accountability for the delay.
Product: Mortgage

We have had a series of problems with Mr. Cooper throughout the time they held our mortgage, culminating in their selling our mortgage in the middle of our attempting to get them to correct our escrow account. Our new mortgage company, Rushmore Servicing, is continuing to charge us 500 % more in property taxes than we actually owe. We have been trying to get this issue addressed for *months* and have yet to have the issue fixed. The overall impact is that we are being charged XXXX XXXXXXXX more than we should -- and both Mr. Cooper ( and now Rushmore Servicing ) are being non-responsive to the immediate financial catastrophe that they are causing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i spoke with XXXX at the Office of the President for Santander Consumer with regards to my car loan. On this call, he stated that the payment ( s ) for both XX/XX/XXXX and XX/XX/XXXX were to be deferred, yet they reported them as late to the credit bureau. Please see attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting closed dates incorrectly on XXXX transunion and XXXX On XXXX it is reporting as XX/XX/year> on Tran union it is reporting as XX/XX/year>. I have sent letters and also contacted them about this inaccuracy with no response. I am wanting this to be removed from all my reports.
Product: Credit reporting

I have inquires on Equifax credit report more then 30 days ago I sent letters out demanding an investigation this in the second time about 10 days later Equifax replied letters for each inquiry informing me that they do n't investigate also stating I had to contact the company 's doing the inquiry I had already done that those request mostly went unanswered, or I had contacted Equifax these inquires have inaccurate information that I 'm disputing these are the ones I am disputing XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, X XXXX with Equifax the 30 day investigation period has been exhausted XXXX fair credit reporting act i am requesting that your agency enforce the fair credit reporting act with Equifax.
Product: Debt collection

XXXX/XXXX/16 rcvd summons of a debt XXXX/XXXX/16 setup payment arrangements of 2 payments per month ( no set dates for payments as I am XXXX and my wife does not get paid on specific days of the month XXXX/XXXX/16 my wife called to submit payment - all operators were busy-left detailed instructions to call her back about giving them the payment and to see if I could do a short payoff for the remaining balance XXXX/XXXX/16 my wife received the call back - at her work ( she told them not to contact her work number ) they would not take the payment - would not do a short payoff they had already sent the debt to the court for judgement and was advised it would have to pay in full - my wife contacted them today XXXX/XXXX/16 paid the debt in full {$7100.00} These debts were mine, but my wife was still served and was named in the judgement Company name : Credit Management Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I had a hit on my credit report for {$560.00}. I was notified by XXXX XXXX and XXXX XXXX. When I opened it to see what it was from, it said collections from First Federal Credit Control. I have never heard of them and was never notified by them at all. I had no knowledge of this debt, received zero debt validation. So I called the number listed and the lady ( XXXX XXXX ) was the rudest person I have ever spoken to, even hung up on me multiple times. Just kept telling me to pay it and she will remove it from my credit, but could not tell me what the amount was for and why it was so much. She said they tried sending me something in the mail, but it was returned to them since they had the wrong address. So she acknowledged that I never received anything in writing regarding this debt. After finding out the bill amount from the doctor 's office, the collections agency still said the amount is {$560.00}, when the original bill was {$460.00}. She told me she can't do anything about the amount and that I need to pay it. I asked multiple times to be transferred to someone else or a manager and they just kept hanging up on me.
Product: Money transfer, virtual currency, or money service

I am unable to transfer funds from my PNC account to my XXXX Account.
Product: Other financial service

I contacted Clear One Advantage XX/XX/2016, I spoke with a young man named XXXX XXXX about some credit cards I needed help with. He assured me he could help settle my debts, I had a loan with XXXX XXXX XXXX, it was an unsecured revolving line of credit in which I did not want to include. but XXXX told me I could get a cheaper payment if we included this one so I did. You know when you call these companies you expect them to be honest and upfront with you but they was not. XXXX told me to quit making my monthly payments and that for 3 months my credit score would drop but they would have my debts settled in 6 months and then my credit score would go back up. Since XXXX XXXX XXXX was my largest debt I wanted them to work on that one first and he assured me he would put that top priority. After I signed some papers that they emailed me, they said they would mail the original one to me but I never received it. They did not put XXXX XXXX XXXX at the top of the list, I started getting phone calls from my creditors of course, so I contacted Clear One much to my surprise I no longer had XXXX to speak with but a totally different place and phone number. this representative advised me not to answer any phone calls just to let them leave messages and I could contact a company called XXXX and they would help me with the phone calls. Needless to say, for 7 months they deducted {$400.00} from my checking account which totaled $ XXXX settled XXXX account during this time and it was with XXXX and they had n't even contacted me about a payment. they settled {$820.00} and they kept {$350.00}. I was served a summons by our sheriff from XXXX XXXX XXXX and I had 20 days to respond, I contacted Clear One, they said to fax the summons in which I did and I got an email explaining to me they was not an attorney 's office and they could not give me legal advice. Had they told me from the beginning they were not going to settle my debts I would not have signed up with them. Another man named XXXX called me later in the day and assured me they would contact XXXX XXXX XXXX but I had to give them 5 to 7 days, I decided I was not going to wait for them to contact anyone, I called XXXX back that afternoon and told him I wanted out of the program. so he said that was fine, they would send me the money I had in my account which was {$960.00}, a far far amount from {$2800.00} minus the XXXX account..I feel as though I should have {$1600.00} remaining in my account. If this XXXX XXXX would have told me in the beginning that there was a chance I could be sued I would have never eve signed up with them. when I called them my credit score was XXXX, now it 's XXXX and I 'm having to contact my creditors and set a payment arrangement up myself. Thanks to Clear One Advantage my credit score will never be what it was and I called them several times and they never reacted to anything except just kept telling me I had to wait until I got money in my account before they could settle the big ones. What a joke, I could have lost everything I have worked for dealing with these people and I still may lose everything I have.
Product: Mortgage

On XX/XX/2018 a Notice of Sale was posted by the HOA management company, on behalf of Seterus. I  just want to know if it is common for the loan servicing company to have the building management company post the sale notice. Also, the notice was placed on XX/XX/18 with a sale date of XX/XX/18. However, I understood the notice to say that the Notice has to be placed at least 20 days prior to the sale. Is this correct?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an existing lease with Volvo that was financed through Volvo Car Financial Services. Before the lease was up I was repeatedly contacted to turn the car in early to participate in a " XXXX XXXX XXXX '' where I would be bought out of the lease and get a new Volvo to lease. As part of that program, it was sold to me that it did not matter what damage there was to the vehicle or if we were over the miles. In XX/XX/XXXX we opted into that program and turned in a XXXX Volvo and leased a XXXX Volvo. I left the XXXX at the dealership and left in the XXXX. I was told we were all set and there was nothing left to do with the XXXX Volvo. Subsequently, I was contacted by Volvo Car Financial Services and told that I owned them {$160.00} for a scratch on the car. I told them that I participated in their Pull Ahead Program and that I was advised we were not responsible for that damage. They told me to discuss it with the dealer, so I did and was again told the same thing ; that I was not responsible for the {$160.00}, so we didn't pay it. I even have a letter from them attesting to this. Fast forward to XX/XX/XXXX and all of a sudden my credit score drops 120 points because Volvo Car Financial Services " Charged off '' the expense maintaining that it was bad debt I owed and they could not collect. I have spoken numerous times to the dealer and Volvo Car Financial Services and they just point the finger at the other party saying that its their fault. Meanwhile, I am left in the middle with a reduced credit score and getting turned down for loans to refinance my house, etc. I have disputed this reporting for over 3 months now and written various letters. I keep getting the same answer from Volvo Car Financial Services that " I got a raw deal '' but they won't change the reporting even though their dealer told me I was not to pay a debt because of their program.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.

Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to GM FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from WFDS which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted WFDS, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/2021I used PayPal to make two purchases from what looked to be wayfair. The purchases totaled {$98.00} and {$97.00}. I utilized PayPal to make the purchase. After 3 days I reached out to the company about my order and to get a tracking number but did not get a response. On XX/XX/2021 I went back on to the website but when I went on it, it showed a warning that the site was a phishing scam site. So I filed a dispute with PayPal so that my money would be refunded. I included pictures of what the site is now saying when I go onto it. PayPal emailed that they would get back with a response. XX/XX/2021 PayPal emailed me that the seller provided a tracking number and now I have to contact them. I got back to the sellers website and it no longer exists. Also the tracking numbers given both show that they had been delivered XX/XX/2021. It doesnt show that they were delivered to my specific address, just shows it was delivered to a city and zip code and in or near the mailbox. Nothing from this company was delivered to me and if it had been, there would have been several boxes as I ordered an 8 piece patio furniture set and a gazebo. PayPal now wants me to contact a seller that doesnt exist and will not refund my money because the seller provided a false tracking number. Also should note that I have a video of the mail collected on the presumed date of delivery and also have alerts directly from USPS showing exactly what is coming to the mail and how many pieces are in the delivery for XX/XX/2021. Also the tracking numbers both have separate places of origin as well as 2 different sellers but were ordered from the same place. I will be providing these as evidence to support my claim as well as providing a copy of my identification to show that my address is accurate as well as my name.
Product: Credit reporting or other personal consumer reports

I disputed an account that TransUnion reported without a permissible purpose. TransUnion stated in writing on the CFPB platform that it can not verify this account, yet it continues to report it. Please read the following documents carefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX