23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX  - Account number - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX  ) - XXXX _______________________________________________________________ INQURIES : XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Inquiry XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Inquiry XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with another person who ended up stealing my property, and identity. I tried multiple times both with letters and calls to the Best Service Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX to pay a debt which was never mine from the beginning, but I asked my relative to help since I travel 80 % of the time to pay the debt without interest. This company was rude, threatening, hung up the phone several times and REFUSED to accept payment.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered some information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and omitted from erroneous reporting in my file are listed on my credit report.
Product: Credit reporting or other personal consumer reports

Chase # XXXX Inaccurate Late Payments Immediate Action Required I noticed that you are reporting errors on my credit report indicating that I was late on the account ( s ) noted below.

Please explain how you can report these negative marks when I was never late.
Product: Debt collection

Credence resource management continues to call and ask for someone that i do not know. I have repeatedly told them that they have the wrong number and I do not know anyone named XXXX something. They call multiple times a day.
Product: Mortgage

I began a mortgage application over the phone. Had to pay a {$40.00} fee to pull a credit report ( that was fine ), and then had to pay a {$500.00} fee that was misrepresented as being for the appraisal. I only paid {$250.00}. The payment web page said it was non-refundable contrary to the representatives claims. Also confusing was that it said something about a rate lock (? ). Only later was I shown the disclosure and loan application. After getting a chance to look over these documents that I was asked to " merely acknowledge '' but really was signing, did I see their outrageously high fees ( Ameri- '' XXXX ''? my XXXX! ). So I didn't sign the loan application. And I asked for the {$250.00} appraisal payment back. They aren't answering now.
Product: Payday loan

XX/XX/XXXX I applied for a loan with loanme.com. Under distress I got this loan yet not fully understanding how the interest rate and payment would go. After making payments for a loan of {$2500.00} I was told in XX/XX/XXXX that I owed over {$6000.00}. It would take over 2 years to pay off. I do n't have that kind of money nor knowledge of how this would work. anyway the calls of been a lot. as of XXXX/XXXX/XXXX I received a bogus threatening email stating I was taken to court in XXXX. I called the XXXX court and they have nothing.
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
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 1681 ( 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. 1681 s-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 I want the CFPB to publish this description on consumerfinance.gov so that others can learn from me. 

The CFPB will take steps to remove my personal information from this description but someone is still able to identify me. Learn how it works. I consent to publishing this description after the has taken these steps.
Product: Credit card or prepaid card

My dispute is with Barclays Bank, XXXX XXXX. It concerns what I believe to be an erroneous payment for {$69.00} to XXXX internet services posted to my card by the Bank on my XX/XX/2020 statement. When I received my XXXX credit card statement, I recognized that the charge was an error and made multiple attempts to contact Barclays by phone. Unable to reach them because the company ( per their phone message ) wasn't taking any consumer calls. I then wrote them on their internet website, explaining why I believed the charge was an error and requesting they contact me by phone. The company has not contacted me in response to to my written online request. 

After writing Barclays, I entered a stop-payment order with my bank instructing them not to pay what I believed was an incorrect charge. However, when Barclays put the payment through a 2nd time in XXXX, the bank paid the charge together with penalties and interest fees. Barclays has still not attempted to contact me regarding this disputed charge I have never before dealt with a credit card company that was not accessible by phone to its cardholders. Such behavior is unacceptable by any reasonable standard.
Product: Mortgage

I recently sold my home after Shellpoint stalling for months. When they sent the payoff amount the the title company, they added over {$22000.00} to the payoff from the statement they sent me personally in XX/XX/XXXX. They claimed fake foreclosure after I submitted multiple claims through CFPB to have them finally update my account as requested for years. They apparently were angry that they could not steal my family home and decided to add to the payoff amount causing it to be MORE THAN WHAT WE ORIGINALLY PAID in XX/XX/XXXX!! I will be seeking legal counsel to investigate why they sent a fake payoff amount and why they are claiming that I owe over {$10000.00} in property taxes when THEY were to be paying the taxes directly for me from our monthly payments, that along with home insurance. To find that they apparently failed to send that tax payment makes me think that they were allowing a lien to be placed to quickly foreclose illegally. My home was in contract to be sold on XX/XX/XXXX, so no foreclosure should have been filed. They were also paid monthly for the entire time they held the loan, yet could not find the ability to process the payments to the account correctly. I refused to just give up my home like they were expecting, and they are now trying to steal the equity that we should be paid from the sale. Again, I am pursuing legal action against them if they do not correct this to reflect the correct {$150000.00} payoff that they stated to me in XX/XX/XXXX. Proof of payment via cashed checks for the entire time they held the mortgage were sent in my XX/XX/XXXX complaint and should be available to view.
Product: Checking or savings account

My husband and I have bank with capital one. My husband 's father ( my father in law ) is sending us a house warming gift for {$3000.00} through XXXX. He sent us a XXXX payment yesterday XXXX in the amount of {$1000.00}. The transaction went through normal with no problems. Be sent another {$1000.00} today XXXX in the same exact way and our bank, Capital One, is holding the funds until XXXX to prevent fraud. The money is coming from our father in law who has the same name as my husband. I offered his contact info to verify it is not fraud or accidental payment. They will not take it and will not release the money until the XXXX. We need this money for our home and cars. We reached out to the bank and spoke to a supervisor who was not helpful at all. He wasnt able to provide any information. We are in hopes that someone can help us resolve this quickly for our finances are already fragile and we are struggling to make it by each month. I appreciate your time and look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

I never did business with any of these companies : RE : 15 USC 1681b Permissible purpose 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 : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible Purposes of consumer reports, I never gave these companies Any written consent to report anything on my consumer report. As a consumer, by law these accounts must be deleted immediately or I will seek monetary damages in small claims court in my city and state.
Product: Debt collection

I am filing a complaint regarding wage garnishment actions initiated by Stillman Law Office to collect on private student loans originally serviced by XXXX, which are now under review for discharge due to institutional misconduct by XXXX XXXX XXXX ( XXXX XXXX ). Despite my eligibility for loan discharge based on documented fraud and misrepresentation by XXXX XXXX, Stillman Law Office has continued wage garnishment, disregarding the active loan discharge review process. 

Details of My Situation : Background : I attended XXXX XXXX XXXX, an institution that engaged in widespread fraud, misrepresentation, and predatory lending practices. XXXX actions led to enforcement actions by the Consumer Financial Protection Bureau ( CFPB ), the Department of Education, and the Federal Trade Commission ( FTC ), establishing that former students like myself are eligible for loan forgiveness due to this misconduct. 

Loan Discharge Application Submitted : I submitted a Borrower Defense to Repayment ( BDR ) application to XXXX on XX/XX/XXXX, and my loan was subsequently transferred to XXXX for servicing. XXXX has confirmed the application is under a 90-day review, which is still in process. Therefore, any garnishment on these loans should be paused until a final discharge determination is made. 

Continued Wage Garnishment : Despite being in the loan discharge review process, Stillman Law Office has continued to garnish my wages for these private loans. This action disregards my rights under federal protections for borrowers impacted by school-related misconduct, including those established by the Higher Education Acts Borrower Defense to Repayment provisions and the FTC Holder XXXX. Additionally, Executive Actions taken in XXXX by the Biden administration granted group discharge to XXXX XXXX XXXX, further supporting the stay of collection activities until discharge eligibility is confirmed.
Product: Debt collection

This company, RADIUS GLOBAL SOLUTIONS LLC has been placing an outstanding medical balance XXXX dollars in For Collection for the third time in my report. The doctor 's office made the error by sending my specimen to XXXX instead of XXXX XXXX. My then insurance had no business relationship with XXXX ; as a result, the insurance decline to pay. The company placed it collection in XXXX, XXXX and now in XXXX. It had already a negative effect on my credit score in XXXX and managed to bring up my score. RADIUS GLOBAL SOLUTIONS needs to pull that adverse action on my report since they are already reported it twice. This harassment and unfair practice needs to stop. My credit score is tied to my work, so it can affect my livelihood. I lost XXXX points on my credit score as a result of this company continued harassment.
Product: Checking or savings account

I have an account with Ally Bank and received a notification on XXXX regarding a negative balance. I reviewed the account and saw that there were charges to XXXX in the amount of {$27.00}. These charges were paid around the XXXX of each month. I did not authorized these charges. I try calling Ally Bank ( XXXX ) on XX/XX/22 but the wait time is longer than one hour which do not allow me to be on due to my work. I did call their fraud hotline ( XXXX ) and submit a claim which will probably take sometime for them to resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

if they XXXX XXXX can put in the comment area of their report that creditor did not ans health ins inquiry, and that's why its not getting paid. 

XXXX XXXX car had gap and was not paid
Product: Credit reporting or other personal consumer reports

I have the account paid off, which reflects on stellerfis website, however on my credit report it has not been updated for month, with a remaining balance showing the account as delinquent.
Product: Debt collection

Citi Management in XXXX is the problem. I contacted them stating my situation and the transaction was still attempted. I know they received the call because it was confirmed through one of there worker. They also called my job threatening to send some type of action to my job and they spoke with my HR department. I was informed and called them to work out a plan. The first person I spoke with tried to help but then I was transferred to I guess a supervisor by the name of XXXX XXXX and she did not try to help at all. She is terrible and her customer service is even worse. She went in to some explanation that was not what I wanted to know. She even stated I know that is not what you wanted to hear which was correct. I called for help to resolve the situation and she did not attempt to help. The issues that really upset me is calling my employer when in fact they had my email address whereas they could have emailed my because I could not be contacted via telephone and secondly the threat of legal action when they received they call of my situation. I would like some type of legal action taken against them or legal action that I can take against that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to apply to an emergency loan of {$1000.00} that the XXXX XXXX  XXXX have advertised and I can't process it in their online webpage as other applicants. I then wrote y XXXX XXXX and sent the application submitted that in the first attempt gave me an error, I believed that they are making physiching with the people that visit their webpage but I applied again. Then I received calls of the institution and received an email of the manager requesting me application documents, I sent and never told me neither notified me that the emergency loan was denied. I checked my TransUnion credit report and saw their institution listed on my inquiries they denied the loan based on my credit report during a pandemic disaster. I am a natural declared disaster and declared disaster survivor and my credit reports were impacted because the banking institutions making unauthorized charges after closed accounts in the middle of the disasters and did not provide me any payment arrangements neither moratorium, I make several disputes and submitted statements but the institution used my credit report to denied my loan. They are not approved my loan in less favorable terms than other applicants, in discriminated actions against me.
Product: Mortgage

Plaza home mortgage is refusing to remove Private Mortgage Insurance. Constantly directing me to other departments, simply hang-up. Purposely calculating XXXX % with wrong values and refusing to make corrections. I purchased a home using a renovation loan ( XXXX ) that you can finance your home purchase price and renovation cost. 

Home purchase value in XXXX {$150000.00} Renovation Cost ~ {$30000.00} My Original Loan Amount in XXXX {$180000.00} My Current Loan Amount in XX/XX/XXXX : XXXX My Current Home Value Based on official Appraisal done in XXXX ( Lender Requested ) : {$250000.00} Based on this number, XXXX % = XXXX = 72.29 %. In Other words I have Equity of 27.78 % They are purposely dividing $ XXXX = XXXX 118 %, claiming I have negative equity, they are refusing to correct the mistake they made, and purposely harassing me by giving the wrong call number to call, telling me to find people names who no longer works at their company to call. 

I really need help. please call me XXXX. This is absolutely discriminating and I feel harassed by the lender I can even hear people laughing in the background of the phone call.
Product: Credit card or prepaid card

XX/XX/2019 To whom it may concern, I would like to file a complaint regarding Capital One. I called Capital One this XX/XX/2019 to have my ex-wife removed from an account she is a co-applicant. Back in XXXX I was exploring debt relief options and this was my reason for requesting her name be removed. Note she never used this account. I was told no problem by Capital One and they would remove her name. I also, asked my account be closed. Unfortunately, I failed to get documentation from Capital One she was removed from the account. Please NOTE I would never had closed this account without her name not being removed. I know enough that once an account is closed you definitely can not request a name to be removed. 

My ex-wife messaged me the week of XX/XX/XXXX that her credit report showed late payment from Capital One. I was totally surprised and caught off guard because I thought her name had been removed. I began process of filing for XXXX XXXX Bankruptcy in early XXXX. I called Capital One twice and explained the situation. I was told whoever I spoke with back in XXXX mis-spoke. Again my fault for not having requested this documentation. 

I explained to Capital One I could email our Consent Order from our divorce spelling out I was solely responsible for this account. I pointed out that her credit was being affected it should not be. This fell on deaf ears as Capital One did not even want to see this Consent Order. I had been a loyal paying customer for over 15 years to Capital One. I am certain they made plenty of money off interest charges. Its just upsetting I was led to believe the ex-wifes name was removed only to find out I was lied to. How I wish we could play back our conversation as I know they record every call. 

I am hopeful someone from Capital One has compassion and a kind heart to recognize our situation and to correct this situation. I dont agree with my ex-wife on just about everything however, her credit should not take a hit given I was told Capital One would remove her name off the account. 

Sincerely,
Product: Mortgage

Our mortgage payment was not applied to our mortgage but LoanDepot applied it to a made up charge amount for a temporary insurance payment and we never gave permission as our mortgage payment we made was for our mortgage only. We tried calling and talking to several different people on over at least 10 occasions but no one would listen nor take care or resolve our issue with their misplacing our mortgage payment and adding it some where else. 
We were told months prior they were selling our mortgage and that we owed {$150.00} for insurance that was not paid on the mortgage, we tried to find out why this amount and what it was for and who we would talk to white the new mortgage owners? We never got an answer and then the mortgage was never sold. We always made our mortgage payment within the 16 days we had before it was late and never had a 30 days late payment. They then changed the amount of the {$150.00} to us owing {$430.00} something ( almost the same amount as our mortgage payment ). We tried again calling to ask why this amount and no one would answer us. We called in to Pay our mortgage payment in XXXX because we could not pay it on line because it would not allow us to pay our regular mortgage payment but was saying we had to pay {$900.00} now. When I called to pay my mortgage and find out what this {$400.00} plus more charge was for, she said she only saw our mortgage payment due, so we paid it through her on the phone. Well apparently she did not pay our mortgage but applied it to that other payment and we did not know until we got notified we had a thirty day late on our mortgage!!?? We of course called and wrote a letter to them stating we never gave permission to pay anything but our mortgage payment. We supplied the bank statements show we never missed a mortgage payment for XXXX ( nor XXXX that they now said we were another thirty days late ). No one has been able to help us resolve this issue and I had to pay that {$400.00} extra dollars in order to not get another 30 days late. But they did came back and said we were 30 days late and they are not removing the false late report. They have committed a huge fraud and caused our credit to be damaged which has now caused us much damage and credibility not to mention a huge loss of money. 
They still have not returned calls or emails to help us with their huge fraud that they are responsible for.
Product: Credit card or prepaid card

I paid a {$550.00} annual fee for the XXXX XXXX XXXX Credit Card from American Express. One of the key benefits is XXXX XXXX XXXX access, including on departure, connection, and arrival when flying XXXX. The fee was posted and paid in XXXX. 

After paying the fee, American Express and XXXX changed the terms of XXXX XXXX access rules, no longer allowing use more than 3 hours prior to departure and no longer allowing use on arrival. This change is scheduled to start XX/XX/2022, only about a month after paying the annual fee which was predicated on prior access rules. 

Upon contacting American Express, no recourse is being made by them.