23daVinci/CFPB_Complaints huggingface dataset:
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 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. 

XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX Acct XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX
Product: Credit card or prepaid card

Bank of America unemployment account on my debit card ending in XXXX was hacked and drained of all its money last year.i noticed unauthorized charges on his account in XXXX and called Bank of Americas customer service to report the fraudulent charges.bank of America froze the account, leaving me to be unable to access the remaining funds I had. I went through the recent purchases and activities on my account and found varies addresses where purchases were made and in other states within one day.After disputing with bank of America claims dept t inhey eventually unfroze my account but the y returned the entire balance back to Californias unemployment department.its been 6 months since this happened yet bank of America has not taken any action to reimburse the stolen funds. Even after I filed an identity theft affidavit with ftc.last but not least I've just recently received mail stating that bank of America has closed my debit card
Product: Credit reporting or other personal consumer reports

LVNV has continually reported fraudulent accounts for YEARS. I have continued to get them removed and they continue to replace the item sometimes at the same or differing amounts with XXXX notice or legal right to do so. I also now have a credit card showing up as XXXX that I never requested
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violates 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see four hard inquiries on my credit report for which I'm unaware of those inquiries. 

1 : - XXXX  XXXX inquiry made on XX/XX/2022 2 : - XXXX inquiry made on XX/XX/2022 3 : - XXXX XXXX inquiry made on XX/XX/2022 4 : - XXXX XXXX inquiry made on XX/XX/2022 Please help in this regards
Product: Credit reporting or other personal consumer reports

15 USC 1681s-7 ( A ) ( i ) RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES : Negative information ( A ) Notice to consumer required ( i ) in general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( P ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) notice effective for subsequent submissions After providing such notice the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to customer.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I was homeless during a period of time that my loans came into repayment. I was unable to receive mail during the time nor had the means to contact XXXX XXXX regarding my options to keep payments from being late. I was able later to reach out and I was sent in the information regarding me being granted retroactive deferment, however they refused to remove the late payments from my credit report. During this period of time there was no possible way for me to be able to make a payment or even get the information needed to make arrangements or find out my repayment options because I didnt have a address for them to send correspondence to. Now I am in a better place but my score is suffering severely from the way the information is being reported. I also filed a dispute with the XXXX in which the insisted it was unlawful for them to change the reporting status for this period of time. Now its hard for me even in a better place in life with a good job to even get accept for an apartment alone based on the negative impact the report has had on my credit score. They were willing to add remarks stating that they are in good standing, but it has harldly no impact on the damaging effects of the unfair reporting to the credit reporting agencies. Now that I have started my own family and have attempted to move forward in life, this holds me back in every aspect which makes it hard for me to progress from where I was completely. I cant even secure housing in a area that would offer my children better schooling options, because I am constantly denied do to XXXX impact on my credit score due to their reporting practices.
Product: Credit card

On XX/XX/XXXX, I asked Tomo Credit to close my account because my bank was not compatible with their product. On XX/XX/XXXX, I received a response from Tomo Credit that my account was closed ; however, the credit card company continued to try to charge my debit card from that day in XX/XX/XXXX to currently in XX/XX/XXXX. Since that email exchange, I changed my debit card information and Tomo Credit still found a way to continue to charge my account. This is financial exploitation because I never gave Tomo Credit my routing or checking account number and I have asked for this account to be closed which they claim to have closed yet they continue to charge my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XX/XX/XXXX and XX/XX/XXXXsince XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

This complaint to EXPERIAN for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Mortgage

As of XX/XX/XXXX pnc stop sending the monthly account statements on my second mortgage equity line of credit. I have made numerous phone call to pnc in regards to the problem. They have no answers only that they are not sending out statements to people that have filled bankrupt. I had to file bankrupt 10 ten years ago the great recession that they had alot to do with. The loan agreement stated they would send out monthly statements. I fell this is some kind of game pnc is playing to cause me problem with my second mortgage account. I have made payments on time for the life of the mortgage loan taken out in XXXX. I have attached the only information i can get and have received from pnc regarding this problem.
Product: Debt collection

Hello The reason for initiating this complaint occurred today, XX/XX/XXXX. 

I received a call from a person named XXXX ( I dont know his last name ). He said he is the branch manager at the branch ( the branch # is XXXX ). 

Some background : I first got my loan I believe was XXXX of XXXX. I made every payment on time up until XX/XX/XXXX. I ran into financial distress due to excessive obligations ( too many loans ). 

In these last few months since XXXX, as I would get collection calls for being behind, I would speak to this same person, XXXX, and Ive spoken to a gentleman named XXXX. I would ask for hardship options, but was told only temporary options such as a deferment was available, where I paid roughly half of my normal loan payment. This option was available through XXXX of XXXX. 

In XXXX of XXXX, the deferment option was no longer available. The only temporary option available was a loan modification for two months. My payment amount was reduced to $ XXXX for two months. I signed up for this in XXXX. Unfortunately I have not been able to keep up with that. 

Which brings me to today, XX/XX/XXXX and my conversation tonight with branch manager XXXX. First off I felt he was very pushy and somewhat rude in how he approached the conversation. I didnt feel any respect or a willingness to have a civil conversation. A phrase he said several times Its not our job to call customers to collect from them, our job is to lend money. To me, this is poor customer service. 

There was one point in this conversation that really pushed me to file this complaint. At one point XXXX asked where are we failing you as a company, and I tried to answer that question. Two ways : 1 ). There is no documenting of conversations. In these last 7 months, as noted Ive had multiple conversations ( each month ) explaining why Im behind, why Im having difficulty making payments etc. This is frustrating. I feel I shouldnt have to explain myself every month. That it would be helpful that someone calling me has reference points of previous conversations. Especially in a conversation like tonight where Im being harassed and I can not point to any documentation of previous calls.

2 ). A longterm hardship option. As mentioned previously, in the last 7 months the only options made available to me were temporary. I did my part, made the necessary payment ( except of course in XXXX when I didnt ), but the relief was only monthly and to keep me current rather than a longterm, affordable hardship that will work to pay off this debt. 

When I detailed these two points to XXXX question, he provided no constructive thoughts or answers, but continued to harass me on why I hadnt made a payment since XXXX and that I have to make a payment by the end of XXXX. Comments such as this are not constructive, they are rude and unprofessional, especially to a customer that made on time payments for over 3 years. I became upset and told him I felt he was rude, and I didnt want to speak to him again. My apologies for losing my cool.
Product: Credit card

Hello, I made a purchase from an online retailer. They had an offer to " buy now pay later '' 90 days same as cash through XXXX who contracts with Monterey Financial Services LLC. Monthly payment plan was established. I realized they did not set up the monthly payments to payoff in 90 days. Tried to pay off online and was not able to without additional fee. Called to talked to them in person to pay off and talked to XXXX. Had to make a payment in full including penalties and interest at 99.23 %. Seems that this type of financing is misleading to the consumer. And the extra fees for setting up recurring payments and making extra payments seem unfair practice. I am wondering if there is anything to help me as a consumer to have these fees and interest returned. I called to make the final payment 10 days after the 90 day term. The account is through Monterey Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Our current mortgage company, OCWEN, is adding information to their credit reporting that does not/should not be reported. There is no reason for them to add words and " history '' to current reporting of our account. 

They are including the following to all credit reporting agencies : " Consumer Information Indicator : CHAPTER XXXX BANKRUPTCY DISMISSED ''. 

Why include this information? Is this legal? Is this information necessary and/or is it supposed to be included by law? What laws are they using as their reason to include that info?
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed late payment entries. Although I sent correspondence over a month ago, I have not received any reply, nor have they provided adequate validation. I am seeking your help to address this issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  or CCB/comenity bank has been moving late payments around on my credit report for years and have been doing this fraudulently and reporting false information! Ive reached out to them constantly dispute after dispute and no one responds within the 30-45 day time frame. These late payments need to be removed because they are FALSE REPORTING!
Product: Checking or savings account

This complaint relates to unauthorized charges to my account by transUnion. I've notified TransUnion on multiple occasions to cease Charging my account yet they continued for more than three years.

In return I I was forced to close the account due to the multiple fraudulent charges and have requested a full refund.

They agreed to issue the refund but has failed to do so, massively stalling for time. I have called countless times for the refund but keep getting the runaways.

I am requesting the CFP b. 
Get involved to have my full refund issue Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and are impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

The following two accounts that need to be removed are XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A couple months ago I received a phone call from a gentleman claiming to be from Wells Fargo. I was told that money had been deposited to my account by accident and needed to be sent back via money transfer. To verify I checked my account balance, it showed more money than what was originally in the account. Therefore, I made the money transfers ( one on XX/XX/XXXX for the amount of {$1900.00}, and one XX/XX/XXXX for the amount of {$1900.00} ) as told by the Wells Fargo representative. When I noticed by accounts were over drawn I contacted Wells Fargo. Wells Fargo determined that deposited monies were fraudulent in the form of fake sequential checks. It wasn't until after I had sent the money, that the bank rejected the fake checks, leaving my account overdrawn nearly {$3000.00}.
Product: Checking or savings account

On XX/XX/2021, a vendor paid me with a check that was not good. When I was informed by US Bank that the check had insufficient funds I deposited cash to cover the inefficient amount. Weeks later on XX/XX/XXXX US Bank closed my account and confiscated the balance of approximately {$2000.00}. I received a letter dated XX/XX/2021, from the branch manager of the bank where the account was opened. The letter indicated that a check for the balance in my account would be issued in 5 business days. To this day I have not received the funds that were on deposit. Equally troubling is the attitude of the branch manager and the many customer service representatives I have spoken to regarding receiving the account balance., Their dismissive attitude and arrogance because of my inquiries are irritating and disrespectful. I want nothing more to do with US Bank all I want is my money.
Product: Student loan

-XX/XX/XXXX, I submitted certification of my employment with a PSLF eligible employer. 
-XXXX XXXX, I was notified by my old loan servicer, XXXX, that my Federal Loans would be transferred to XXXX. I was told the terms and payment. schedules would not change. 
-XX/XX/XXXX and XX/XX/XXXX payments are not auto-drafted from my bank account. The payment schedule has been lost in the transfer. 
-XX/XX/XXXX, I spoke to XXXX at XXXX XXXX XXXXXXXX ( ID : XXXX ) and I am informed that a review of my PSLF payments can be requested and would require 30 days to receive credit for the missed payments. I also asked to be switched to a PSLF eligible payment plan for which XXXX initiated a 10 year standard repayment plan. 
-XX/XX/XXXX, XXXX ( XXXX ) informs me that the PSLF review will now take 90 days -XXXX, XXXX  ( XXXX ) informs me that the current payment plan recommended by XXXX was not PSLF eligible. He also informs me a PSLF review takes 120 days. I inform him that 120 days has already elapse. He offers no resolution.
Product: Debt collection

Some years ago, I rented a home through XXXX XXXX XXXX XXXX. The lease contained a 30-day termination clause in the event my job relocated me, which is exactly what happened. On  XX/XX/XXXX, I sent written notice to their office in XXXX, GA that I would be vacating the house due to employment relocation in XXXX, GA. 

On XX/XX/XXXX, I received an invoice from XXXX XXXX XXXX XXXX XXXX, showing {$1200.00} due. There was a {$1000.00} deposit on file. I made payment for the {$230.00} expecting that they would keep the {$1000.00} deposit, which would clear the debt in full. I have retained a copy of the invoice and can provide it if need be. 
However, around XX/XX/XXXX, Hunter Warfield began trying to collect a debt from me regarding XXXX XXXX XXXX XXXX claiming that now somehow -- {$3200.00} was owed. Worse, by XXXX, with interest/fees/etc. added, Hunter Warfield is now claiming {$3700.00} owed. 

First, I have no idea where the {$3700.00} figure came from. XXXX XXXX XXXX XXXX sent an invoice to me stating that {$1200.00} was the amount due with a {$1000.00} deposit on file. So even if I hadnt of settled the {$230.00}, it is still beyond explanation how the amount could multiple exponentially couple of years. 

Again, I very much dispute ANY debt is owed to XXXX XXXX XXXX XXXX. Since I shouldnt owe anything, I am absolutely flabbergasted that Hunter Warfield is trying to collect more than TRIPLE the original invoice amount from me. And, they are reporting it to the credit reporting agencies as though the initial amount owed was {$3200.00}. I have disputed this debt numerous times and each time, Hunter Warfield continues to verify it as accurate. I can only assume this means they know they are wrong and dont care.
Product: Money transfer, virtual currency, or money service

They pocketed my money, and wouldnt tell me where it went.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am filing this complaint against U.S. Department of Education/Nelnet , Inc. , for engaging in unlawful debt collection practices that violate federal law, including the XXXX statute. U.S. Department of Education/Nelnet , Inc. , knowingly participated in a scheme involving fraudulent debt instruments, resulting in negatively impacting my credit score. These actions constitute a deliberate and egregious violation of my rights as a consumer and federal statutes. Specific Allegations are XXXXFraudulent Debt Instruments, XXXX Reporting of Delinquency to all Major National Credit Bureaus XXXX XXXX Knowledge of Fraudulent Activity and XXXXViolation of XXXX Statute. Why the Debt Collection is Unlawful : XXXX - Fabricated Credit Card Agreement and Lack of Lawful Consideration, XXXX Fraudulent and Predatory Practices, XXXX Disregard for Evidence and Federal Law and XXXXViolation of the XXXX Statute. 
See Attached Documents