23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been a customer with this them since XXXX of this year. On XX/XX/XXXX I reached out to advise I was having financial issues, as my husband 's job did temporary layoffs/ work reduction. I spoke with a rep who advised me if I could make at least half payments it would keep my account from going into collections, which I have done. Since then they have reported me to the Credit Reporting Agencies and now I am getting collection calls every few hours. I have no choice but to make smaller payments right now. But my concern is, when I was in good standing my credit report was not updated to show good history but it is for negative, I don't think that is fair practice. Also, I did reach out as soon as I had a situation and now I am getting collections calls and letters, I got an email on Sunday advising me I had 30 days to validate this debt as mine. I know its mine, I made a payment as directed. pull the call where I called in, check the emails I have sent. I am trying to do the right thing ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my right.

15 USC 1681 section 602 States in have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer report agency can not furnish an account without my written instructions 15 USC 1666B : A credit may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.
Product: Debt collection

On XX/XX/XXXX I placed an order on the internet for a machine that applies make-up with a total cost of {$220.00} On XX/XX/XXXX I made payments in the amount of {$38.00} leaving me with a balance of {$180.00} On XX/XX/XXXX I spoke to a collection Agency who stated I was to set up a payment plan of an immediate payment for {$50.00} and then {$78.00} monthly until the balance was paid. I was assured I would receive some type of documentation confirming our conversation and terms of the agreement. I received neither. 

In the meantime, last week, my debit card was stolen and the bank sent me a new one. I received a call from collection agency asking for new card information. I asked if I could make {$50.00} payments for the next three weeks and then a {$26.00} payment on the 4th week and be paid in full. The man on the phone told me that would not make sense because I was being charged a {$20.00} processing fee for every payment I made. I was very upset to learn this as no one had informed me of this charge when I sent up the arrangement originally. He arrogantly told me I knew from the start. I tried to explain I had never received a letter or email stating so. He refused to let me speak by screaming " MaaM '' into the phone so I hung up. 

I called the original creditor there after only to find that the original debt due was {$220.00}. I paid the original creditor on XX/XX/XXXX in the amount of {$38.00}. 

I made two payments to the collection agency on XX/XX/XXXX of {$50.00} and another on XX/XX/XXXX of {$78.00}. Leaving me with a balance due of {$55.00}. Today on the phone I was told I had a remaining balance of {$170.00}. 

I want to file a complaint over the charging of the processing fees and never been told they were being charged. I did speak with them this evening and demanded a return of all the monies I paid them so I can pay the original creditor myself. She told me she would see what she could do and asked for 24 hours. The information for this agency is as follows : Monteray Financial XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX Manager : XXXX XXXX Ext. XXXX My info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX The Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I am attaching my payment history sent to me by the original creditor. 

Thank you for your attention to this matter. 

Warm Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was a dispute filed XX/XX/XXXX regarding inaccurate and unverified furnishings on my consumer report. There were 9 inaccuracies reporting and damaging my financial reputation and credibility. After investigating Equifax verified that the furnished information was inaccurate and removed all XXXX disputed inaccuracies. The removal and verification of the inaccuracies proves violations of The Fair Credit Reporting Act, Consumer Financial Protection Act of 2010, Fair Trade Commission Act, The Privacy Act of 1974, The Fair and Accurate Credit Transaction Act as well as a direct violation of 12 CFR 1022, 15 USC 1681 ( a ) ( b ), 15 USC 1681 c ( h ) ( 1 ) INACCURATE AND FALSE REPORTS. There was no validation and or verification provided by me to Equifax before these inaccurate reports were furnished Violating 15 USC 1681 ( b 2 ) ( i ), 15 USC d ( B ) nor was there an opportunity to opt out of the furnishings pursuant 17 CFR 248.124
Product: Credit reporting or other personal consumer reports

I have requested to Experian credit bureau in several times to remove inaccurate information furnished in my credit report XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX account # XXXX Hard inquiry XXXX XXXX XXXX Resident Verify Experian does not show any records of any process of investigation Continue reporting negative information with UNSPECIFIED REASONS as is showing in the report # XXXX for XX/XX/year> Experian is violating 15 USC & 1681s-2 ( a ) ( 1 ) ( D ) and 15 USC & 1681s- 2 ( a ) ( 7 ) ( G ) ( i )
Product: Mortgage

As of todays date, a total payment of {$1300.00} has been paid via my checking account. The most recent payment of {$330.00} was withdrawn from my checking account on XXXX. Mr. Cooper has been reporting that I have made payments via XXXX XXXX XXXX XXXX I have NEVER made payments via XXXX XXXX. 
The total amount of {$1300.00} has not been applied to my mortgage account. Late charges have been applied. 
Mr. Cooper continues to unapplied the amounts being paid. By not applying to my account, this appears as though I have not been making loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED CREDIT REPORTING NO ACCOUNT TO VALIDATE THE INFORMATION
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX  Dear EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX I, XXXX XXXX, have written this letter to dispute the inquiry reported on my credit file dated XXXX XXXX, XXXX  by XXXX XXXX. I have not authorized a hard pull by this company. that is falsely listed on my credit report. 





I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS, I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 



Sincerely, XXXX XXXX
Product: Debt collection

Continue to receive robocalls and automated calls stating I owe a debt and its not true or mine, when I had my attorney call ( previously had an issue with Bankruptcy ) they refused to give any information and said someone would be contacting him back, as of this writing no one has called back, my attorney followed up and still nothing.
Product: Debt collection

Checking my credit on XX/XX/2022 there was a collection from allied collection XXXX of {$3400.00}. From the original creditor XXXX.
Product: Checking or savings account

I contacted Wells Fargo bank on XX/XX/2023 once I was aware that there had been fraudulent charges made to my account. Wells Fargo then conducting an investigation and concluded that the charges were not fraudulent. I was able to reach out to merchants to confirm that I either do not hold accounts with those merchants or that I did not make those charges, however Wells Fargo is still denying my claim and will not let me appeal any of the charges even the ones that I was able to verify myself that were fraudulent. 
I have spoken with their appeals team multiple times only to be denied help. The amounts total upwards of {$4100.00}. my debit card was stolen and someone has been using my card all across the state of Georgia. Wells Fargo will not refund me my money. Please help. I will attach screenshots of fraudulent charges below.
Product: Mortgage

XXXX XXXX : Initial Question/Comment : Mortgage refinance interest reporting form XXXX for loan XXXX was not issued XX/XX/2014 to XXXX. 
Interest deducted from loan XXXX itemized tax XX/XX/2014. 
Loan XXXX closed XX/XX/2014, interest for XX/XX/XXXX, XX/XX/2014 was reported. 
Interest on loan XXXX not reported for the time period of XX/XX/2014 thru XX/XX/XXXX closing of loan.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. 

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Student loan

My Neltnet student loan payments keep changing without any explanation. On XX/XX/XXXX, I received an email statement that my payment due XX/XX/XXXX would be {$670.00}. This is a huge increase from my prior months payments of {$50.00}. I used the online form to reach Nelnet on XX/XX/XXXX and XX/XX/XXXX and havent received any contact from them. I attempted to call them on XX/XX/XXXX but after being on hold almost an hour, the call was dropped. On XX/XX/XXXX, I received an email statement that a payment of {$29.00} was due XX/XX/XXXX. When I logged into my Nelnet account to confirm this, it now says my total due is {$700.00}, due XX/XX/XXXX. Again, no notices or statements to explain the extreme changes in payment asking and due date.
Product: Mortgage

I have submitted a inquiry to refinance my second home with Quicken Mortgage and I was contacted by phone by XXXX XXXX | Associate Banker, Direct : ( XXXX ) XXXX NMLS # XXXX on Thursday, XX/XX/XXXX. 

The broker appeared very knowledgeable and professional, however when we got to the point where he shared with them the loan he proposed, he refused multiple times to share with me the Loan Estimate document for the loan. He only offered to share numbers over the phone. The following is our last conversation over SMS, he has not replied nor contacted me since then : [ XXXX ] : Happy Saturday XXXX! I just want to let you know I am in the office for a few hours today helping a handful of clients get their loans locked in before the month ends. Do you have any questions before we move forward? 

[ Me ] Hi XXXX. Can you please send me the loan estimate document over via email with all the details. I need to do some math to see if it makes sense for us to refinance. 

[ XXXX ] : I don't have the ability to send a Loan Estimate until the application is printed otherwise I would gladly do it for you. Please give me a call when you have a moment and I will go over the numbers with you again so you can write them all down. And then crunch the numbers for yourself [ Me ] : When will the application be " printed ''? I won't be able to make a decision until I receive the Loan Estimate document.

I understand that lenders must provide a Loan Estimate document as a way for consumer to compare different loan products. The fact the he went silent after I directly told me that I was not going to move forward without viewing the Loan Estimate document tells me that something is not right with the loan product he wanted to sell me.
Product: Credit card or prepaid card

A purchase was made on XX/XX/XXXX, for a laptop, valued at {$2500.00} USD. The laptop broke on XX/XX/2018 due to motherboard failure and is non-repairable. A claim for the broken laptop was submitted to Chase Card Benefit Services on XX/XX/2018 under their purchase protection flag of services on their Chase XXXX XXXX credit card. 

After this time I submitted all requested paperwork to XXXX, on XX/XX/XXXX they requested additional information. I provided the information on XX/XX/XXXX. Following this they requested additional information on XX/XX/XXXX, and I provided the requested information on XX/XX/XXXX, this is due to me being out of the country temporarily on a work trip and finding a computer repair shop that will write a bill of repair/non-repair in English was extremely difficult to locate. 

At this time the case has been open for over a month, and every time I reach out to their team on the phone they refuse to escalate or say that they've escalated the case and they haven't. 

Purchase Protection link on Chase XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got a email from paypal yesterday stating that they decided to end my account for what ever reason and then goes on to state a refund I have been waiting for for 5 months is sitting in paypal with a 21 day hold not they decided to make it 6 months. They only doing this because they sold paypal credit to XXXXXXXX XXXX in the middle of a bunch of packages from XXXX missing and not getting to me. They said because they tracked to washington dc that I must have gotten them in MN. They refused to refund my money for purchases I paid foir thru them and I was told by 2 separate paypal reps to sign up with a new email and use a different card. I never got a letter saying I was limited at all they took away the paypal assurance and ripped me off for total maybe XXXX or more. I had also been told to deal with this outside of paypal> Those were the very worlds well thats what I did called my bank and told them what paypal did and they reversed the charges. They would have done the same thing and I waited as long as I could without loosing my right to have the bank do that. They have no reason to put a hold on my refund from 2018 that I just got sent to me from XXXX. They were paid long ago for those funds and I have never ever been told a thing like the guy from p0aypal cooperate is stating. I had paypal close my last account and had to demand they did it. 
I had to wait the required amount of time to close it while still using the account as they took away warranty there was XXXX risk to them. They just charge the seller back that never got me what I paid for. and had no tracking numbers to show I got anything. 
They sold my paypal credit to a bank and never even looked into the items I didnt get. 
Who cant follow there own rules, paypal. But to act like a XXXX year old refund as hostage so they can feel big thats wrong. I hope CFPB does a number to paypal this round in court. Paypal is out of control ; and so rude to Americans and back XXXX sellers when there in the wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Product: Mortgage

I sold my property and Im trying to pay off my HELOC and the Bank Of The West transfer to BM old bank and I was told that I can not pay it off until the XX/XX/XXXX date because they were doing a transfer of banks. When I tried to call and pay off my loan they have done everything possible to not allow me to pay off my loan. I have called Now four times and they have made it virtually impossible for me to get my new account number so I can pay off my loan and Ive also asked them to fax to the escrow office the payoff which they have not. I have now incurred interest for over a week due to this transfer of bank and also have lost interest on my money that the escrow is holding over {$60000.00} in excess of my alone amount.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for FCRA Violation ( Section 607 ( b ) ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IA XXXX To Whom It May Concern, I am writing to formally file a complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ), specifically under Section 607 ( b ). My recent experiences with Equifax have raised serious concerns regarding their adherence to consumer protection laws and their responsibilities as a credit reporting agency.

I have been experiencing the same issues that prompted the CFPB to take action against Equifax, leading to a {$15.00} million penalty for improper investigations of credit reporting errors. The CFPB 's findings highlighted several critical failures by Equifax, including : 1. **Failure to Thoroughly Investigate Consumer Disputes** : Equifaxs process for submitting disputes significantly limits consumers ' ability to fully and accurately describe their disputes. In my situation, Equifax has also failed to consider relevant information I submitted, often neglecting the information altogether. 

XXXX. **Lack of Proper Investigation** : After forwarding my dispute information to the furnisher, Equifax did not meaningfully assess the furnishers response. At times, they ignored evidence that contradicted the furnishers claims, which violates their obligations under the FCRA. 

XXXX. **Inadequate Documentation** : I have formally requested that Equifax provide me with documentation supporting the information they reported, including the original contract containing my signature. Their refusal to comply with this request further emphasizes their disregard for FCRA requirements.

4. **Confusing Communication** : The responses I received from Equifax included contradictory statements, which left me confused about the status and nature of my dispute. This lack of clear communication is not only frustrating but also indicative of their inadequate handling of consumer disputes.

5. **Demand for Action** : I demand that Equifax rectify the inaccuracies on my credit report and provide me with the requested documentation within 15 days from the date of this complaint. Should they fail to address these issues, I will be compelled to consider further legal action to protect my consumer rights.

I urge the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action against Equifax for these violations of the FCRA, particularly concerning Section 607 ( b ).

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely, CFBP EQUIFAX CONTINUES TO USE XXXX XXXX THAT IS INACCURATE INFORMATION AND THATS NOT MY LEGAL NAME ITS LISTED ON MY DRIVER 'S LICENSE Electric BILL AND RENTAL AGREEMENT
Product: Credit card or prepaid card

I settled with PayPal for my credit card in XX/XX/XXXX. The agreement was that I paid a total of {$1200.00} with 6 payments of {$200.00}. I completed all 6 payments of {$200.00} totaling in the settlement amount of {$1200.00}. They have been billing me since for the remaining portion of the credit card which is {$1200.00} that would have been remaining. They are adding late fees and interest to this account, when it was settled and should have been closed as of XX/XX/XXXX. I have made calls monthly to PayPal and when I do they transfer me to many different departments and it always ends in we cant help you. We have also sent several letters with attached letter of settlement and proofs of payments with no response back from PayPal.

I have the settlement agreement offer along with proof of all 6 payments have been made. This account is impacting my credit as its showing that Im delinquent. PayPal will not resolve this personally so I found it best to report in hopes of saving my credit. 
Thank you XXXX XXXX
Product: Checking or savings account

I recently sold a vehicle and the buyer paid by check I am being told that my account is blocked and is pending for closure due to the check deposit now im not able to retrieve my and im being told that I have to wait 60 days citi bank is the worst bank of all time I should have never opened a account with them