23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reported predatory lending against XXXX. The original amount was {$2900.00} and is now over {$5000.00}, and the XXXX was 220.4 %. 

Also, now they are threatening legal action against me. There is no proof that I have any financial obligation to Huntington Debt Holdings, LLC
Product: Credit card or prepaid card

XX/XX/2017   Reviewing my statement online, from Comenity   XXXX   XXXX   XXXX   XXXX    ;  I noticed fraudulent charges by  XXXX  :   XX/XX/2017  {$23 .00}   XX/XX/2017   {$54.00}   XX/XX/2017  {$54.00}  XX/XX/2017  {$ 43.00} for a total of {$170.00} I called up the credit card company immediately to report the fraudulent charges.    On   XX/XX/2017  I recei ved a form to fill out, asking me to list the dates and amounts of charges ; duplicating what was discussed in a phone call on  XX/XX/2017.     I tried to go online to look this up, and I could n't because the credit card company blocked my access. I call the company, and they claimed I reported a lost or stolen credit card.   I did no such thing and I let them know it.   After filling out their form with what little info I had, I made a rubbing of the credit card on the form I submitted. I asked them to send me copies of those statements in question.   Upon receiving these copie s on  XX/XX/2017 , I re-subm itted a copy their form, writing in the missing info they requested. Even though they had that info when I spoke to them on    XX/XX/2017  ; which they recorded for " training purposes ''.
 XX/XX/2017  I just received a not  ice of my statement available online ; so I proceed to check statement. The fraudulent charges were not removed, no credit was issued.   I called up the credit card company, yet again. It is very difficult to get a person from their phone menu. I spoke to  XXXX  employee ID #  XXXX , and queried her about the discrepancy. She told me it takes them 60 days to review it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I sent EXPERIAN a certified letter explaing that the company has broken the law and is in direct violation of 15USC 1681b ( a ) ( 2 ) which states " a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer ''. I XXXX XXXX, the consumer, never gave EXPERIAN consent. No consent from the consumer is considered IDENTITY THEFT. As a financial institution under the GLBA, EXPERIAN is not allowed to disclose non public personal informationto a non affilliated 3rd party. Experian continues to ignor all written correspondence, affidavits of truth, and identity theft reports from FTC and continues to knowingly and willingly attempt to decieve me as the consumer and never investigate any disputes or remove inaccuracies.Experian has simply parroted and recyled all information since initial contact XX/XX/2021. At this time I am due remedy of {$2000.00} for the violations as a federally protected consumer under 15 USC 1681 and 15 USC 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I contacted all XXXX credit bureaus notified them of the unauthorized inquiries but couldnt receive a resolution.
Product: Mortgage

i went in to make a mortgage payment using my debit card @ associated bank they turned it into a cash advance for some reason. this caused 2 declines on my debit because of the daily limit. everyone else uses it like a charge card except these guys. they only take certain kinds of payments, making it up as they go. i am sick of the XXXX  from this bank. can you please switch me to a new loan service? these guys are always playing games, because they can. 
thank you
Product: Vehicle loan or lease

We traded in our old car which was financed through GM Financial on XX/XX/XXXX. A new loan was originated with GM Financial the same day. 

On XX/XX/XXXX, we called GM as we had not received a billing statement for the new loan. The representative told us that we did not have a payment due as an overpayment on our old loan was credited to the new loan. This made our first payment due XX/XX/XXXX.

Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

We have been continuously harassed stating that we are past due and missing payments when we have paid according to the information received from the company. On XX/XX/XXXX and XX/XX/XXXX, we received threatening phone calls from your company advising that we had to pay or else. And that we have somehow racked up late fees totaling over {$200.00} and have been reported more than 30 days late. 

Please correct the account as we have not missed any payments. Also please coach your associates accordingly as it is not right to threaten a senior citizen who is just trying to do the right thing and making a payment every month.
Product: Credit reporting or other personal consumer reports

I have been dealing with a XXXX XXXX over 15 years her and Experian are in violation of the FCRA this company needs to be held in violation federal mandate laws they refuse to law federal laws violating my civil rights in my first amendment, right refuse to dispute or choice what to delete saying I think your run your credit report making false and inflammatory comments by XXXX XXXX, refusing for all federal law
Product: Mortgage

I was working with nationstar mortgage back in XXXX for a modification after becoming XXXX from a work injury. At no time did Mr. Cooper aka Nationstar or their attorneys XXXX XXXX XXXX stop the foreclosure of my home of 20 years. I was served papers about the sale in XX/XX/XXXX eight days prior to the sale and that was the third time they tried to sell it. They were working with me on modification and had been since XXXX but kept asking for more paperwork. In XXXX of XXXX they served a pile of court papers left in a stack on my front porch and then locked me out of my home and sold it. This is after nationstar and XXXX bounced me back and forth with promises to help until the time ran out.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX 's Security Breach, I have been checking my credit and trying to freeze my accounts. I have contacted the FTC and my bank ( XXXX XXXX ) who directed me to speak with XXXX which I have tried ( XXXX XXXX, 2017 ). The company has shut down/disabled it 's customer service line and its phone-based credit freeze ( XXXX and other numbers ). The redirected " incident '' call center ( XXXX ) is not technically XXXX, but rather a call center company, and can not answer any real questions about their services and what signing up for XXXX XXXX does. For instance, I have read that it waives my right to class action suit if I sign up. I have also read it auto-enrolls you in their service after a year meaning I have to pay for their mistakes! Absolutely absurd! 

There is recent news XXXX might give you a randomly generated answer for whether an individual was affected by the data breach. Because the FTC will not allow me to file for ID Theft unless I can confirm I was a victim or my ID has been misused, and because XXXX has indicated that they " BELIEVE I MAY have been affected '' by the data breach. ( how ambiguous is that statement from them by the way? ridiculous right?! ) If this is a randomly generated response, this is a clear violation of my right to know if my personal data and credit reports were leaked without my consent by this company. Its pernicious and misleading. 

I have also attempted to contact Experian but their lines are also shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting inquires that are not mine wont send me credit report to see whats on there cra violation
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023, I learned of XXXX XXXX XXXX  ( XXXX ) presenting a negative report and contacted the Company. The alleged debt evolved from an interest fee applied 12 days after the account was paid in full. 
When I informed the agent, I was not informed of any past or present charges ; she looked deeper into the account and realized my email address was incorrect and since my statements are paperless, I could not have been informed. 
The Agent then reversed all fees and penalties and allowed me to pay the alleged {$6.00} interest charged after my attempt to pay the balance in full. The payment was cleared and posted XX/XX/2023. On XX/XX/2023 XXXX again reported I had a balance of {$58.00} over 60 days past due. 
In response to my dispute Experian updated the report on XX/XX/2023. Not only does it still show Im over 60 days past due ; the XXXX reported {$28.00} due as of XX/XX/2023 yet a balance of {$58.00}. A result of XXXXs action my credit score has plummeted from XXXX in XXXX to XXXX today. With the evidence I have presented and when you see in your own files, all my creditors report never late, I pray you will take appropriate action to remove XXXX XXXX XXXX  false report and ramifications caused by it, from my report. 
XXXX XXXX blames Experian. Experian Blames XXXX XXXX. Neither will take the effort to resolve it inspite of information I have supplied
Product: Credit card

This is in response to Complaint XXXX and XXXX. Capital One in their response to my complaint agreed to remove references to the accounts which I proved in XXXX XXXX XXXX XXXX to Judge XXXX XXXX were paid in full. To date they have not lived up to their response letter of XXXX XXXX 2015. Both accounts which I proved to be paid in full still appear in my credit report with all XXXX agencies. Capital One after the suit by the law firm of XXXX and XXXX sold the account to XXXX XXXX of XXXX VA. I have not only paid these account in full but proved my claim to a judge how agreed the accounts were paid and XXXX and XXXX withdrew the suit.
Product: Vehicle loan or lease

I did own a XXXX XXXX, I had a XXXX  with a XXXX  which messed up the power steering system, I told a customer service representative about the issue, waiting for the insurance claim to come back so I could get the account up to date, the customer service representative didnt care, basically told me it wasnt their problem and I still had to pay the bill
Product: Mortgage

Freedoms Mortgage is the company.

I have an escrow account attached to my monthly bill. Last year the escrow was short, so they increased the monthly amount. 
I called on XX/XX/22 and discussed this, saying I could add the remaining balance to my escrow, and that I could then keep my monthly postmen, and to call back on XX/XX/22 to confirm. 
I called back and was told an escrow review would need to be done before the payment can officially be changed back, and to call on XX/XX/22 for an update on the results of the review. I called on XX/XX/22 and told the review was submitted, but never followed through, and it would take 4 business days. 

I called today XX/XX/22 as instructed, and was told the increased monthly bill can not be changed, even though I paid the balance on the escrow ( which was verified ). 
I was told there is nothing I can do, there is no way to get my payment lowered. 

I am frustrated, at the end of the year, my escrow account will be over the allowed limit, and they will have to refund me money, and probably increase my payment again. 

I am just trying to keep my monthly payment the same as it was..
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, ( a natural person ) I do not owe such debt and this is a clear violation of my rights under Title 15 U.S.C 1692 ( e ). Thru U.S. Postal Service Via certified mail on XX/XX/2021 I sent them a letter to Cease and Desist their fradulent activites and they still failed to do so and still continued to use this false information against me. I also requested that I be provided with validation from XXXX XXXX and XXXX XXXX  of these alleged debt and it was not provided. I left over 7 messages for a manager with the company and received no responses. They continues to willfully keep the false debt listed on my credit report. They are unable to validate the debt and still did not remove it. This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the loss of income, troubles, and mental stress this company is causing me by being complicit in violating my federal rights.
Product: Debt collection

Repeated phone calls, harassing and threatening language. They call from multiple numbers after I tell them not to call anymore and they call before XXXX and after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft, Transunion, XXXX, and XXXX continue to report fraudulent activity on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX. FTC has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

i started a lane bryant credt card last year. my issue is i cant keep contacting them to make a payment over the phone. i have yet gotten my credit card since opening this account, it has ben well over 30 days. as they also told me they couldnt give me any information on my account over the phone because the address was incorrect. thye woud not allow me to fix it so i could get my statements as well as my card. now im tryig to get a loan for school and now i cant because i cant pay this back do to lane bryant credit company. if theres any way you could help i would love that
Product: Mortgage

I opened a case for a HAFA DEED in LIEU procedure with Wells Fargo Home Mortgage on XXXX XXXX, 2016. 

By XXXX XXXX, 2016, I had submitted all the documentation required. The house was appraised by a real estate broker on XXXX XXXX, 2016. 

Originally I was told that once I did all of the above, my DEED IN LIEU would be approved by HAFA within a month. 

Once I completed delivering all the documents they demanded ( they said they are not going to ask any more documents ) they changed the story. Now they are saying the process will take more than six months. I was told the next step is for them to get mortgage insurance approval. I am suspecting they are trying to sell my loan to an investor and that is why they need mortgage insurance. If they do sell the loan the DEED IN LIEU is not going to happen. I will have to start the process with the new bank all over again. 

In the mean time the house, now vacant, has been vandalized. I had to spend {$500.00} to board up the property. The neighborhood has deteriorated ; there is drugs and house invasions. When I first moved in, the neighborhood was safe. At some point it was deteriorating. I was mugged and moved out and rented the house. In XXXX 2016 my tenant moved out without paying the rent for two months. That is when I started the HAFA process. 

I feel my trust in this HAFA process was misplaced. The bank never intended to proceed with a DEED IN LIEU but they kept leading me on until I gave them all the documents they needed to sell the loan. 

Also, my credit report, as of XXXX XXXX, 2016 has a note from Wells Fargo that reads " Subscriber reports dispute resolved - Consumer disagrees '' which I do n't think is accurate ( my FICO score had been XXXX in XXXX 2016 ; now XXXX is XXXX and XXXX is XXXX ). 

I do have health issues. In XXXX 2016 I moved to XXXX XXXX to get support from my family here. Moving back to XXXX is not an option. And specially to a city block that has been taken over by drugs. Selling is not an option either since the house is under the water. I need your help, please.
Product: Credit card

In XXXX I went to paperless statements. One reason being is banks are one of the mail contributors of our forests being killed. The second being my mail constantly being delivered to the wrong address as my mail delivery person is always changing. However, bank of america continues every month to send me notices of missed payments, promotions, etc when they have been told NUMEROUS times to stop sending me paper notices. I've called and been told twice. And very rudely I might add " you're on paperless billing is there anything else I can help you with? '' Clearly I know this and they are not following it. If bank of america doesn't honor the request, why bother asking customers for permission. I want bank of america to STOP SENDING ME ANY NOTICES IN THE MAIL. I check my email, I know my bill is due, I cut up my card and I have stopped using my card and will be paying my balance off and closing the account. So for the last time I want them to stop sending me mail for ANY REASON.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my Experian credit report. Requested Experian to provide me with copies of my signature, which they failed to provide in my first dispute. I'm requesting their method of validation as my consumer right under the FCRA.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my critter report notice I had fraudulent accounts on my credit report. Please remove this account from my credit report that are hurting my ability to obtain credit.
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 XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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: Credit card or prepaid card

The 3 credit bureaus are reporting my account incorrectly, It shows a past due balance and a charge off. I have asked them over and over to remove this account but no progress yet. XXXX, XXXX and XXXX claim that the debt has been verified and that it beongs to me.
Product: Debt collection

XXXX has shut down and I believe sold my debt to XXXX. They dont have my correct information and I did not agree to the terms or agree to pay this other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX, 2022 to XXXX. Here is my tracking number ... ... ..... 
However the credit bureaus said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with other with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete the investigation?
Product: Money transfer, virtual currency, or money service

I had a cryptocurrency account on binance.us for a little over 2 months, from XX/XX/20 ( XX/XX/2020 ). Then some time in XXXX, I was suddenly locked out of my binance.us account and never allowed to get back into my account. I exchanged countless emails with someone named XXXX, XXXX, XXXX, and XXXX, sending them many emails with personal information ( verifications ) attached. I provided pictures of my drivers license, passport, proof of address, my face, and a piece of paper requesting them to unlock my account, but customer support ALWAYS disappears after their first response which provides a ticket number and says they will get back to me shortly. It seems, according to XXXX, that they are stealing crypto and locking MANY accounts ( not just mine ). Someone needs to do something about these thieves so people can recover their cryptocurrencyXXXX Thanks XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation