23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 antedsates 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: Vehicle loan or lease

Purchased a car on XX/XX/year>. Additional products initially were purchased. 
1. Maintenance Package {$4000.00} 2. Gap Insurance {$1200.00} Both Maintenance Package and Gap Insurance were cancelled on XX/XX/year>. 
90 Days later still have not forwarded those funds to XXXX XXXX to be applied to the loan. I'm know that CFPB is aware of their activities but they're still at it. They should be paying me interest in these funds, since they're deliberately withholding them for an unreasonable about of time. PLEASE HELP.
Product: Mortgage

I had the mortgage with XXXX XXXX XXXX, I had an agreement to pay extra money each month for the late balance, they sold my mortgage to Nationstar mortgage XXXX XXXX XXXX dint pass on the agreement and Nationstar want the all late balance at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 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/2021
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 confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX  XXXX No. : XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX No. : XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX No. : XXXX, has violated my rights. 

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 an account without my written instructions
Product: Mortgage

Hello! 
Having an issue with mortgage lender, been treated unfairly with my loan amortization. Loan have been active for about 13 years or so in good standing. The type of loan I have is a fixed rate bi-weekly Conventional, periodically I 've made additional principal payment to reduce loan balance. Last year the loan crossed over to where more principal is paid than interest out of my bi-weekly payments. My last payment ( XX/XX/XXXX ) was not so, They took out more interest {$170.00} vs {$140.00} going to principal, last correct payment ( XX/XX/XXXX ) was {$160.00} going to principal and {$150.00} going to interest. Now after payment was electronically withdraw from my account on XX/XX/XXXX I made {$100.00} principal only payment, so after the additional payment was made that 's when the error occurred ; however, I took a look back in history and noticed that sometimes when I 've made additional Principal only payments the amortization payment schedule seems to go back into interest column, like their still collecting interest that I 'm eliminating from the extra payments. When I last called to get explanation, they claim my account was short, but how could that be when for the life of this loan ALL payments have been deducted from my checking account without fail every two weeks. I keep track of all my payments to Citi-mortgage and it appears something is wrong, sense I 've been calling they made many changes to the amortization payment schedule and I 've made copies. Usury laws are in place to protect consumers and I think citi mortgage is in violation by prolonging my efforts to pay them off. FYI was only able to pull payment history for last two years, could n't pull history past XX/XX/XXXX.
Product: Consumer Loan

Bank shut down my account that was linked to my checking account and charged me {$100.00} in fees and would only refund half of my money. XXXX and XXXX at Wells Fargo refused to allow me to speak to a supervisor and said my complaint was closed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I am writing in regards to an alleged debt with Calvary Portfolio Serv Acct XXXX XXXX that your company has on my credit profile. I am requesting Assignment Contract of the debt details. The Fair Debt Collection Practice Act requires debt collectors to validate the debt upon request. Can you provide the name of the original creditor as well as the account number associated with the debt. Proof that I am the person who owes this said debt along with the original amount of said debt, I would also like and itemized statement showing how the current balance was calculated. Documentation stating that your company has legal authority to collect on this debt. I XXXX XXXX am not ADMITTING OWNERSHIP OF THIS SAID DEBT until debt is proven valid. Per The FDCPA you must seize all the collection efforts until your company has proven proper validation of Debt. I am disputing the validity of this said debt please provide the requested documentation in writing and you have 30 days to do so. At any state you fail to comply with validating the debt it will be taken as absolute refusal to do so. This is also being reported as income to the IRS per a 1099C Be advised that if it is found your offices have made a report with false information to XXXX, XXXX, or XXXX XXXX this may constitute fraud in both Federal and State law. If you are working on behalf of the creditor, you will also need to provide Details of your company and license of authority The date of your license agreement The name on the license License Number Registered address and telephone number of the license provider XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Chex Systems reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a checking account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the routing number and account numbers : XXXX XXXX XXXX XXXX XXXX XXXX, and another checking account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the routing and account number 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulentitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I've bought my car a little over 2 years ago, and have gotten my loan through the company " Global Lending ''. Whenever the payment day is approaching, usually the week before, I start receiving incessant phone calls, voicemails, one after another. Sometimes to the point that I'd get XXXX phone calls in a row. Part of my job is using my cellphone, and I can't work with my clients when they won't stop calling. 
My payments are scheduled either online or through an agent that has called, even though every months is due at the same day. 
I have conference calls everyday and multiples times I have gotten written up by my company for interruptions/ not being on the call at my usual time. I've also lost clients and had to cancel work because of this. 
I answer my phone during the first call, whenever I'm not working, but it's not always that I can pick up my phone. Even after answering the first call, and make sure I will make the payment by the due date, they will keep on calling me. 
I've asked this company to please stop calling me, my husband and my friends, because the payment is already scheduled, but their excuse is that they have another third party company that " doesn't have the same system, and don't get all the info '', so I need to pick up the phone each time and let them know I'd just spoken with an agent. 
These phone calls come at all different times of the day, before XXXX XXXX, after XXXX and on the weekends. I have gotten these call multiple times after XXXX on a Saturday. 
When I speak with these agents they seem to have no idea about what/who I talked to previously. They not only harass me, but will doubt that I spoke with agents, threatening to call my friends and have my car repossessed if I don't make sure I pay it on time. 
The last time they called, thank goodness I had the name of the person managing my account and their direct extension number, to prove I did, in fact spoke with them. 
This has caused me not only to lose money, but potential clients, as well. 
I suffer from XXXX XXXXXXXX and XXXX XXXX When my phone rings, whenever I'm threatened by them I have to start taking XXXX XXXX medication, have to make appointments with my doctor for treatment. 
I'm so tired of dealing with this for over 2 years, for talking to them and nothing being done about it. I have owned cars in the past and NEVER did I ever get harassed, nor threatened to the point that will cause me mental and financial burden like this.
Product: Checking or savings account

I opened account in XXXX. They closed/froze it in XXXX or early XXXX. Said 30 days get paper check. After that XXXX more days.after filed complaint with you XXXX more days. That's up now and instead of paper check I talked to them and they say they will sende debit card instead. Have not but say they will. XXXX mail I got today say they closed my account. Even though I have not been able to get my last XXXX dollars from my social security payment in XXXX. At least XXXX going on 6 months. Still locked out of my account that apparently just closed today. Don't know if that means another 60 days to wait for paper check or they gon na still maybe send me debit card. I think they should pay me.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my XXXX XXXX Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I had a HELOC agreement with Truist dated XX/XX/XXXX ( which will be attached ). On XXXX, XXXX we entered a new agreement and this previous loan/lien was paid off. The other file attached will show an Internal Payoff-HELCOC for {$110000.00} as well as the account number they paid off. 

However, it is over 6 months later and it is still showing as an active lien with the County Clerk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX
Product: Credit reporting or other personal consumer reports

There are several new inquiries that showed up on my credit report in XX/XX/year> that I do not recognize and did not authorize. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I received a call from Chase Amazon Visa asking me to call them back today ( they left a message on my vm ). After 6 ( SIX ) calls and at least 45 minutes on hold, I am no closer to understanding what the problem is except it involves some sort of charge dispute. The last person I spoke with identified homself as XXXX XXXX from XXXX OH, and he placed me on hold for 14 minutes straight. I would like Chase to reapond to calls without placing customers on hold, and find out why they called me in the first place.
Product: Prepaid card

The Money Network refuses to refund me for charges I never made. I am XXXX XXXX XXXX and do not know how to use the computer, these charges were online. I purchased in a completely different XXXX happened, I live in XXXX XXXX while the charges were made in XXXX. They are requesting to fill out forms and a ton of paperwork to further delay the issue.
Product: Debt collection

I spoke with PennyMac multiple times in XXXX, including once with a supervisor named " XXXX '' on XX/XX/XXXX who confirmed a mortgage payoff amount of {$110000.00}, that a demand statement in the amount of {$110000.00} would be valid through XX/XX/XXXX, and that a payoff demand statement would be faxed to XXXX XXXX XXXX the following day. 
XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX to advise that PennyMac had chosen to not respond to the title company 's request for a payoff demand statement and had told the XXXX XXXX XXXX XXXX that there was no payoff demand request that had been found. 
I called PennyMac with the XXXX XXXX XXXX employee on the line with me. The PennyMac employee that took that call stated that they found the payoff demand statement, valid through XX/XX/XXXX for the amount of {$110000.00}, and that it would be faxed to XXXX XXXX XXXX XXXX that day. 
The following day, XXXX XXXX XXXX contacted me to advise that they still had NOT received the promised document. I called PennyMac once again and remained on the line until the payoff demand statement was faxed to XXXX XXXX XXXX XXXX. 
The sale closed on XX/XX/XXXX. XXXX XXXX XXXX XXXX recorded the sale and disbursed the funds to PennyMac to pay off the mortgage. 
The day after closing, XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX stating that PennyMac had sent a second payoff notice with the same XX/XX/XXXX expiration date demanding an additional {$240.00}, threatening to increase the amount if not paid by the end of business XX/XX/XXXX, and threatening to return the amount of {$110000.00} and foreclose and auction a property that they had already received full payment on. 
I spent over an hour on the phone with PennyMac on XX/XX/XXXX trying to find out why there was a sudden difference in payoff amounts. I spoke with supervisor XXXX XXXX, who said she could not communicate with the payoff demand department and thus could not provide an explanation. She did not provide a phone number for the payoff department or provide any other information.
Product: Money transfer, virtual currency, or money service

I was scammed when I was in California about a job offer and a company needed to use my bank account to send transfers over. After I realized I was most likely being scammed I tried to stop it but was threatened to send the money. I sent {$5000.00} through cash app and now my bank is holding me accountable for it. I tried contacting the people who scammed me to just send it back and itll be over and they threatened to show up at my house.
Product: Credit reporting or other personal consumer reports

Hello CFPB, I am reaching out to seek your urgent assistance in resolving an ongoing dispute concerning inaccurate and misleading accounts on my credit report. 

The accounts in question have already been successfully deleted from both XXXX and Equifax. However, I am encountering persistent issues with XXXX, which continues to report the same unverified and incorrect accounts on my credit files. 

I kindly request your intervention to facilitate the resolution of this matter promptly. 

XXXX XXXX - Account # : XXXX ***DELETED in XXXX  on XXXX ***DELETED in EQ on XXXX XXXX XXXX XXXX Account # : XXXX ***DELETED in XXXX  on XXXX ***DELETED in EQ on XXXXXXXX XXXX  - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in EQ on XXXX XXXXXXXX XXXX  XXXX - Account # : XXXX ***DELETED in XXXX on XXXX XXXX - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in EQ on XXXX Recently, I have been consistently receiving notifications about unauthorized hard inquiries on my credit reports from all credit bureaus. This situation is causing significant distress and concern for me, and I am seeking your intervention to stop these unauthorized inquiries immediately. 

I kindly request your prompt action to investigate and rectify this issue, ensuring that my credit information remains secure and free from unauthorized access. 

Respectfully, XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

There are 4 paid collections on my report that do not reflect this change. There is another collections account for {$620.00} for an account I have no knowledge of. Of the 4 paid collections, one was represented by a XXXX XXXX XXXX in XXXX, NH. They told me they will never remove the information from my credit report even though the account was paid in full. The debt collectors say they worm for a lawyer but I never spoke to an attorney who should have advised me of my rights. I did not know about a court date either. But the account is paid in full. 4 of 5 collections are paid in full
Product: Checking or savings account

Bank of America closed my account without any notice or reach out. 2 weeks after closure and after notifying me that they would not accept any direct deposits to the closed account, a direct deposit that wasnt able to be changed was sent from my payroll provider to the closed account and accepted by Bank of America. They have refused to provide access to these funds and have provided no resolution on how to get these funds outside of telling me to wait 30 business days to receive a cashiers check in the mail 5-10 business days later to get access to my own funds that they illegally accepted after closure of my account.