23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received written notice in the mail on XX/XX/2023 that my XXXX 's store charge card would be making several changes : 1, Introduction of a {$1.00} paper statement fee 2. Increase in interest rate to 31.99 % XXXX charge card is owned by Synchrony Bank. I perceive the {$1.00} statement fee as a junk fee. I also consider interest rates over 31 % to be usury rates. This is absolutely ridiculous. I will be paying off my card and cancelling my account but this seems borderline illegal, especially given recent CFPB guidance to banks on Junk Fees, including paper statement fees. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX through Ally. When my lease was up this past XXXX, I leased a XXXX XXXX XXXX XXXX through Ally. The dealership purchased the XXXX XXXX and paid it offbin full. Ally showed the payment for the month of XXXX as being over 30 days past the due date on the XXXX. That " late '' payment affected my credit score and dropped it significantly.

I don't know what to do to get my credit score back up. It went from XXXX in XXXX to XXXX last month
Product: Debt collection

On XX/XX/year>, I received a written notice from XXXX XXXX XXXX, a law firm acting on behalf of Portfolio Recovery Associates , LLC, claiming that I owe a debt related to a XXXX account with XXXXXX/XX/XXXX. The notice stated that the total amount due is {$3900.00}. 

I do not recognize this debt, and I believe it may have been assigned to me in error. I have not received any prior communication regarding this debt, nor have I received proper validation or proof that I am legally obligated to pay it. Additionally, I am concerned that this debt may be outside the statute of limitations for collection under Hawaii law. 

I respectfully request that XXXX XXXX XXXX and Portfolio Recovery Associates provide detailed validation of this debt, including the original account agreement and proof of ownership of the debt. Without such documentation, I believe this collection attempt is improper. 

I have not yet contacted the company directly, as I wanted to first file a complaint with CFPB to ensure my consumer rights are protected. 

Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

I am an XXXX on XXXX XXXX... XXXX XXXX I was looking for a Home Equity loan to do some home improvement work. Was approached by this company XXXX BHG - Bankers Healthcare Group ) at work who said they could get hospital employees special loans with low interest and fees. Never really read the paperwork and didn't put two and two together that loans were in my name as a XXXX. Applied and was given a loan - made payments with no problems until XXXX when, as a nurse I got XXXX and was hit hard. Now XXXX  from long XXXX and only just went back to work full time, but have significant other debt from being out and sick. When I called BHG in XXXX to get them to work with me, they were totally nasty and un-accomodating. I had to prioritize bills and pay my mortgage to keep my house first and foremost. After trying for 6 months, they stopped taking my calls. I was dealing with increased health issues and forgot about it. 2 months ago in XX/XX/XXXX, I received notice from some upstate court in XXXX XXXX, that they won a lawsuit against me and were going to garnishee my paycheck going forward. I can't afford for this to happen, I will lose my home. And I was never served at all with court papers, and don't understand how they had standing in a far XXXX XXXX when I live on XXXX XXXX in XXXX XXXX, NY. I was told by a law firm since then, that there is already a sheriffs order to garnishee my check and because they won in court, I have no recourse despite never getting notice of any lawsuit. Any advice or direction you can give me is greatly appreciated. It seems there are several class action lawsuits against them for predatory lending, excessive fees and interest and using XXXX before all names on their loans to avoid NY State lending laws that require more upfront disclosures than they get away with using DBAs and classifying these as business loans. I am not a business or XXXX but a XXXX employee. Help! Please!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/XXXX
Product: Student loan

I was informed in XX/XX/XXXX that after working for the federal government since XX/XX/XXXXthat my loans on this sequence were not in the right loan type and my loans would have to be consolidated for them to be qualified for PSLF. This is the largest portion of my student loans. I was never told that my loans were not in the right format despite submit employment certification forms ( ECF ) to seek loan forgiveness. 

In XX/XX/XXXX I proceeded to consolidate my loans in the right format. XXXX XXXX XXXX accidentally consolidated ALL of my loans wiping out the payments I had made from XX/XX/XXXX to XX/XX/XXXX. I spend hundreds of hours on the phone with XXXX XXXX XXXX requesting that the consolidation be reversed and corrected. This caused my payments to be placed on a forbearance while XXXX XXXX XXXX sorted out their mess. I was not provided the opportunity to make any payments during this period. 

I also timely re-certified for a new reduced payment amount to be calculated for my entire student loans. This was to be applied once the loans were pulled apart and in proper format. 

After contacting XXXX after a XXXX XXXX XXXX complaint, they provided me with a print- out that simply states that the majority of my loans were on an administrative forbearance during the period of XX/XX/XXXX until XX/XX/XXXX and a reduced payment forbearance, which was not requested by me from XX/XX/XXXX to XX/XX/XXXX. I was not afforded the opportunity to keep paying my regular amounts. This applied to loan sequence 3, 4, 5, 14, 15, 16, 17. This was the period that XXXX XXXX  XXXX was rectifying their error. 

My loan sequence 18 and 19 show an ICR/IBR forbearance for XX/XX/XXXX to XX/XX/XXXX and a second General Forbearance during XX/XX/XXXX to XX/XX/XXXX, again not requested by me and for a ten-day period that makes no sense. 

XXXX XXXX XXXX by electronic correspondence dated XX/XX/XXXX, a representative of the company reached out and told me after a review it seemed that a processing error was discovered for my loans disbursed in XX/XX/XXXX meaning loan sequence 3, 4, 5 and that I would be credited an override for payments of XX/XX/XXXX and XX/XX/XXXX if I paid an amount of {$410.00} within two months. 

It makes no sense to me why these three loan sequences are being offered an override when all of my loans were handled in the same manner. The error should apply to all of my loans. 

Loan Sequence 18 : {$18000.00} Loan Sequence 19 : {$92000.00} It is unfair that 1 ) I was not informed of the " correct loan type '', 2 ) I am not credited for the months XXXX XXXX XXXX took to process my new re-payment plan 3 ) That all of my loans are not covered equally for PSLF purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these erroneous accounts from my Credit Report for already a long time. The last letter I sent to the Credit Bureaus was XX/XX/XXXX requesting that the Credit Bureaus provide proof of validation and update or correct the information each disputed account presents. But despite all the letters and complaints I submitted, it is clear that the XXXX XXXX have grew negligent of ignorant of my requests. I am submitting this complaint today to request another investigation and correct the payment history of the disputed accounts on my Credit report. The Credit Bureaus are required to verify the information each account reports and correct from erronoeus reporting. If the XXXX XXXX can not prove that the information they present on my Credit File is accurate, I would highly appreciate it if they remove the account completely grom my Credit file : XXXX XXXX XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX
Product: Credit card

I had an American Express XXXX credit card for about XXXX to XXXX  years. It had an annual fee recently of {$99.00} a year. I continued to own the card during and after covid even though I never used the card. It was for traveling benefits on XXXX, haven't used XXXX since XXXX. American Express increased the fee to {$150.00} this year. I don't receive paper statements on any of my XXXX XXXX cards. I haven't been getting all my emails from my XXXX XXXX email to I started using a new gmail account. I was sitting at the dentist office yesterday, waiting to get in and decided to start deleting old XXXX accounts on my iphone when I saw the American Express billing for the annual fee. I called them to reverse the fee and close the credit card since I don't use the card, just like the salesman told me many years ago that I could do when I don't want the card any longer and don't want to pay the fee. The card was cancelled and they informed me that they can not reverse the fee. The rep on the phone said the other cards are on XXXX but this one is the only XXXX on mail statements. I told her that I haven't received statements for years. She refused to reverse that billing and said that she would forward this to Dispute department but don't expect they will help me, I told her that will make it look like I called in much later. She did not respond. I called and explained to the XXXX  Attorney General and they said to contact CFPB, XXXX  XXXX XXXX and make the complaint on their website. I am thinking of sharing American Express lack of customer service information on XXXX, XXXX, XXXX and discuss with my friend on the local XXXX  XXXX XXXX XXXX XXXX They also mentioned to alert the credit unions and dispute the charge for not having the credit card.
Product: Debt collection

My letter sent certified mail on XX/XX/XXXX was delivered and signed for on XX/XX/XXXX. I have requested validation of debt, and to this day have not received this from the company. I was then forwarded a judgement from XXXX XXXX XXXX that I never originally received. This judgement was sent to an invalid address and has an invalid employer listed to " garnish my wages '', therefore this is an invasion of my privacy pursuant 15 USC 1681 384.
Product: Mortgage

In XX/XX/2021, we were finalizing a refinance to pay off our prior mortgage with Flagstar Bank. Our new mortgage received a pay off letter on XX/XX/2021 good until XX/XX/2021. In it was listed the total principal balance of {$320000.00}, interest due from XX/XX/2021 to XX/XX/2021 of {$970.00}, a recording fee of {$120.00}, and a per diem of {$39.00} if the payment was received after XX/XX/2021. In total, the full pay off up until XX/XX/2021 was {$320000.00}. Our new mortgage was completed and on XX/XX/2021, payment was sent to Flagstar for a total of {$320000.00} which included interest paid until XX/XX/2021. However, payment wasn't processed until XX/XX/2021. After all funds were allocated, Flagstar decided that {$16.00} was still missing and removed this from the escrow account that same day. The only way we found out about this was by logging into our account online, we weren't made aware of this issue. 

Since becoming aware of this issue, we have reached out to Flagstar many times but to no avail. The specific dates are XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and today, XX/XX/2021. Each time, we have spoken with a representative and their corresponding supervisors who have confirmed that something is wrong and the math doesn't add up. However, the specific departments that need to investigate this, the cash operations and management teams, aren't reachable to us by phone and have given responses that don't clarify why they believe there is no issue here. We have even asked for them to spell out all of their calculations so that it is clear why we are wrong but they have failed to do so. The only response provided have been inadequate and state that we are wrong ( they are right ) and that the month of XXXX doesn't end on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  - Acct # XXXX, XXXX XXXX - Acct # XXXX, XXXX XXXX XXXX - Acct XXXX XXXX, XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX, XXXX XXXX  - Acct # XXXX 15 U.S.C 1681 Section 602A : States I have the right to privacy. 15 U.S.C 1681 Section 604A, Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written or verbal instructions or permission to share my account information.
Product: Debt collection

I do not remember borrowing {$9000.00} in XX/XX/XXXX and my home equity was used as collateral. In the foreclosure process in XX/XX/XXXX, I filed bankruptcy to try to keep my home. The bankruptcy was dismissed in XX/XX/XXXX, because I was unable to pay the {$1200.00} per month. Last year, XX/XX/XXXX, Springleaf started calling with threats about the {$9000.00} loan. I did not know it was unsecured, and they did not ask for the money on XX/XX/XXXX when the foreclosure short sale occured.They are calling threatening me and talking to me like they will come after me. I have been making payments, but on XXXX Social Security and XXXX just is not enough money. I spoke to the foreclosure attorney and he said it was an unsecured loan now, but Springleaf, now called OneMain is using scare tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I filled out a form on the Experian website to receive a " free '' credit report. Once I had submitted my information, it only shows certain reporting information for " free '' and says if you want your credit SCORE, you have to pay {$1.00}. So, I paid the {$1.00} to get my credit score. What the website does a VERY poor job of explaining is that in paying that {$1.00}, you are signed up for some sort of " membership '' program that costs {$21.00} per month. If you do n't call and cancel the membership within 7 days, your membership automatically renews for eternity. I was unaware that I was being signed up for this program, and when checking my credit card statement today ( XXXX XXXX ), I saw that I had been charged {$21.00} on XXXX/XXXX/XXXX and another {$21.00} on XXXX/XXXX/XXXX. It should also be noted that in going back through my junk email folder I noticed several emails from Experian, NONE of which were receipts or notices of being billed for the membership. I found a very generic " Welcome to Experian '' email, that had I seen at the time, I still would not have known that I had signed up for any sort of membership. Reading the email, it seemed like typical follow-up marketing when you give out your email address. No mention of the cancellation period, no mention of being charged for anything, it does n't even mention the word membership until the very BOTTOM of the email. When I called Experian to dispute the charges, explaining that I was unaware of being signed up for any sort of membership, they were only willing to refund one of the charges. I even spoke with a supervisor and no one was willing to help. The XXXX/XXXX/XXXX charge has not even gone through on my credit ( still pending ), yet Experian told me there was nothing they could do to refund the charge and that I would have the membership benefits through XXXX. Thanks Experian, that 's so helpful! I get another month of a membership that I did not sign up for, I do not want, need, or find helpful, and there 's nothing you can do about it. These types of practices are extremely deceitful and should be stopped!! I am certain that I am not the only person who has been tricked by this process. This needs to end, and the victims compensated justly.
Product: Credit card

In XXXX of XXXX, I was moving and incurred a lot of cost due the move. I was not able to make the full payment of {$330.00} to Bank of America. I made an on-time payment of {$240.00} on XX/XX/year>, the maximum amount of cash I had at the time. A few weeks later, I was contacted by a representative of BOA and she scheduled a payment of {$440.00} to make sure I did not fall into a 30 days late situation. This payment was scheduled for Friday XXXX XXXX, XXXX  - on the day I get paid. The BOA representative assured me this would keep my account current. Unfortunately, BOA attempted to charge my bank account the day earlier - XX/XX/year> before I got paid and the payment came up non-sufficient funds. I believe I made a good faith effort to pay BOA when I could and on a agreed upon timeline. Because of BOA 's date charge error, my credit reports now show a 30 days late. This has drastically hurt my credit score because it is my only late payment on any account for the last 10 years.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing to formally request that certain fraudulent items be blocked from my credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have identified items that have been reported as a result of identity theft, and as such, I believe these entries must be removed from my credit file. I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appeal on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. The only address that should be reporting is XXXX XXXX XXXX XXXX, GA XXXX, all other addresses need to be block and deleted from my file. These fraudulent items are as follows : Dispossessory notice filing number XXXX, which appears twice and filing number XXXX. I have also placed a credit freeze on my XXXX XXXX account, but you still are selling fraudulent information to third party companies without my consent. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. As stipulated by FCRA Section 605B, you are required to block fraudulent information from my credit report within 4 business days of receiving this request and all necessary documentation. Please confirm in writing that the requested items have been blocked within the required timeframe. If any additional information is required to process this request, please notify me promptly so that I can provide it without delay. I appreciate your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these fraudulent accounts from my credit report. I have attached supporting documentation, including Identity Theft Report that verifies the fraudulent nature of these accounts, as required by the FCRA. Additionally, I have enclosed copies of my government-issued ID, proof of address, and any other documents necessary to validate my claim. In accordance with the FCRA, I respectfully request that you block this fraudulent information from my credit report and notify all relevant parties of the action taken. I understand that you have a limited time frame to process this request and to confirm that the fraudulent information has been blocked. Please confirm the successful completion of this action in writing. Thank you for your prompt attention to this matter. I look forward to your response and the removal of these fraudulent entries from my credit file. Sincerely, XXXX XXXX Attachments : Identity Theft Report Copy of Government-Issued ID Proof of Address
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The agencies listed below, has violated my rights. 

XXXX XXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX ) XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX ) XXXXXXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXXXXXX XXXX ( ACCOUNT # XXXX ) 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 reporting, credit repair services, 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 : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXXXXXX has violated my rights. Or 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: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of disputes, Particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle not only neglected to properly protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency raises concerns for any consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XX/XX/XXXX & XX/XX/2018 XX/XX/2018
Product: Credit reporting or other personal consumer reports

My information was compromised is the equifax data breach.