23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2014 ford motor called me on the 31 first day to say I payed XXXX dollar short, I ask them why they didn't call me before oh were sorry we don't bother our good customer, and I said but youll call me one day after 30 so you can ding my credit, were sorry I heard if you look at my 5 lease with ford ive not ever miss or was late ever, for them to do this is inexcusable and very unfair practice to your so call good customer, its very unfortunate to have to go through all this but for them to ding my report is very unfair and very unjust
Product: Debt collection

Dear ( LVNV Funding LLC ). lam writing in response to your letter dated ( insert date ), ( copy enclosed ) because I do not believe that I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) : Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 

Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

Signature XXXX XXXX XXXX
Product: Mortgage

in 2012 I applied for a loan modification with Bank of America and wasaccepted, the loan modification went thru and my mortgage payment waslowered .... a year and a half goes by and I start getting these packets viaXXXX, I complied with all that they required me to do and did more thanthey asked of me, in return for complying I was supposed to receive XXXXdollars from Bank of America well I never received a dime from the Bank. 
I received another packet of documents they wanted me to sign becausethey put my mothers name on the documents, my mother in law has beendead at least two years and I sent the Bank her death certificate at least 6times, so I signed the documents that the Bank sent me and on the line wheremy mother in law was to sign I wrote in Deceased just like the Bank told me todo, so I sent the documents back to the Bank and low and behold I receivedanother packet in the mail this time they needed a signature from my stepdaughter because when we first got the loan my step daughter was a co-signer, however I had her do a quick sale and her name was taken off of theloan so too make a long story short, in all I received 9 different packets fromBank of America each one needing different signatures and I complied toall that they asked of me, and the straw that broke the camels back was I justreceived another packet, now they tell me they are going to give me XXXX dollars, this has really been a burden on me, my wife and family I amso frustrated with Bank of America with their incompetence which is AmazingI ca n't sleep at night and have nightmares that the Bank is going to take myhouse from me, even though I always pay my mortgage on time ... .. sometimesI XXXX this how much Bank ofof America has been XXXX. I do not take this lightly this has beenthe worst ordeal I have ever been thru in my entire life ... HELP, HELP, HELP, before I XXXX .... HELP ... ..
Product: Checking or savings account

Have been charged a $ XXXX monthly maintenance fee for the past XXXX months. When I upgraded my account XXXX  years ago due to a high balance, I was told if my account dropped below the minimum amount, I would lose the benefits associated but there would be no fees. 
When I called I was told that their policy changed in XX/XX/year>, and they would start charging fees. I was told they likely sent an email about this but there would have been no acknowledgement. 
I asked them to refund the past XXXX  months fees and get the account switched to one without a monthly maintenance fee. 
The rep/supervisor said they could remove the last XXXX months fees but could not refund the other XXXX due to system limitations. 
I asked if this was a matter of policy or simply a limitation of their software and they said its not a policy thing its just that the system wont let them, and it is what it is I explained this was not a satisfactory explanation for why I am being charged a monetary fee and they are unwilling to refund it, and she responded that it isnt that she is unwilling to, the system just wont let her. I then asked to speak to someone who has the ability to do so, and she said no one can. I asked again to clarify, that no one who works for the bank has the authority to do so and she said they did not. 
This fee was never something I agreed to, and when I enrolled in this account I specifically asked about fees, and was assured I would not be charged any, and my account would automatically switch to a lower tier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to apply for a credit card and mortgage in XX/XX/XXXX but found that my credit score had dropped from over 800 to mid 600s. I did pull my credit report on XXXX XXXX and found that XXXX XXXX was reporting twice and with a 90 delinquency. XXXX was taken over or sold to XXXX XXXX around that same time the delinquent reporting started so it was reported incorrectly. We had our mortgage company contact the two incorrectly reporting credit bureaus, Equifax and XXXX to have them investigate and change the reporting errors. XXXX XXXX company was the company that submitted this request around XX/XX/XXXX. They said the change is usually made within 7 days of the request. They submitted all the documentation that they received from XXXX stating the account was paid on time and in full. We waited 30 days with no changes. I then filed a complaint myself through the credit bureaus on XX/XX/XXXX and again submitted all necessary documentation. I had to purchase the credit reports so I could then file the complaints and asked for the investigation. This is a simple case of improper credit reporting and this should have been rectified immediately. This is now going on two months.
Product: Mortgage

I lost my home with Wells Fargo, I tried to ask them to help me but they refused they foreclosed on my home back in 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX reported a late payment on my account that they indicated was only 3 days late. But shows us 30 days late. My real concern is that I'm being discriminated against because I'm XXXX. And two years this is the first late payment that I have had on my credit report. My score was XXXX. Now it's XXXX. That is a tremendous decline in my score for just one late payment. I feel it was totally discriminatory and this would not have occurred to anyone else who was XXXX. I can not get an explanation as to why other than the system that's called XXXX score XXXX determines what my score will be. It took quite some time for me to get a score as high as I'd hand which was XXXX for it to suddenly decline to a XXXX. This should be a better way of informing a person why your score is affected so dramatically with no explanation other than blaming it on the computer system that they authorized. I think this is a direct violation to the US equal credit Act. Has been well documented at these practices have been done for quite some time when it comes to credit for XXXX XXXX  versus others. I'm hoping that you can help me in trying to resolve this issue with all three credit bureaus. I work very hard to establish my credit for it to be damaged so harshly with no cost. Once again I've only missed one payment in 2 years and my score drop close to XXXX  points. I can see no justification for this action by the credit bureau. Please help me resolve this issue so hopefully it will not happen to other people. 

Thank you in advance for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updatedand accurate information on my credit file! My current and only address and name XXXX XXXXXXXX  XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX remove any other Date of Birth on my file. I am in the process of correcting my file with TRANS UNION, XXXX, XXXX  the also have records of file the are wrong.
Product: Mortgage

The Mr. Cooper mortgage servicer does not properly apply additional principal payments to mortgage accounts. 

On XX/XX/XXXX I submitted an additional principal payment of {$1900.00}. On the same date, my regular monthly payment of {$2300.00} was processed via automatic payment. Initially Mr. Cooper processed my additional principal payment as a " Partial Payment '' and did not apply the amount to my principal balance. I had to contact Mr. Cooper to correct this. Eventually both my regular monthly payment and additional principal payment were reversed and reapplied correctly. 

On XX/XX/XXXX I submitted another additional principal payment in the amount of {$3200.00}. On the same date, my regular monthly payment of {$2400.00} was processed via automatic payment. This additional principal payment was processed more incorrectly than the last one. Instead of applying the full payment amount to my principal, it was split and applied as a ( duplicate ) regular monthly payment of {$2400.00}, with the difference, {$820.00}, being applied to my principal. My payment activity and monthly statement currently show XXXX regular monthly payments of {$2400.00} on XX/XX/XXXX, and an additional principal payment of {$820.00} on XX/XX/XXXX. 

Here is an excerpt from my statement : DATE DESCRIPTION TOTAL PRINCIPAL INTEREST ESCROW OTHER XX/XX/XXXX Payment {$2400.00} {$650.00} {$850.00} {$940.00} XX/XX/XXXX Principal Payment {$820.00} {$820.00} XX/XX/XXXX Payment {$2400.00} {$640.00} {$850.00} {$940.00} The second monthly principal payment on XX/XX/XXXX appears to have been processed as my payment for XX/XX/XXXX, however my automatic payment for XX/XX/XXXX is still scheduled.
Product: Payday loan, title loan, or personal loan

I took out a loan from Tower Loan from a company who offered financing for furniture. I always speak with an employee named XXXX. I told her back in XX/XX/XXXX she could send the account to collections on MULTIPLE occasions, which she refuses to do so that the account continues to add interest. So out of fear of having a quadrupole balance I began to pay it down again. On XX/XX/XXXX, she called me at work ( and I have already asked on MULTIPLE occasions to NOT call me at work and the gentleman XXXX response was that my supervisor had to tell him, which is absolutely not the case in Illinois ) and told me I needed to make a payment. I told her I would make one on XX/XX/XXXX. She asked if the account would be paid in full and asked what the bakance would be and she replied {$190.00}. I said o.k. called today to pay the {$190.00} and she replied that the account balance is now {$210.00}. Late fees do apply, but she did not state that if it were paid on the XX/XX/XXXX what the actual balance would be. The late fee is {$10.00} a month so {$190.00} still makes no sense and attempting to speak with XXXX is impossible. She just yells and screams while making threats to take the furniture from my home all the while never listening to my concerns or questions. AVOID TOWER LOAN LIKE THE PLAGUE!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

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 Account XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account XXXX Account Name XXXX XXXXXXXX  Account Number XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name XXXX Account 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 consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 ( a ) ( s ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any 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 relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

I look for this to be completed expeditiously within the time frame allotted from Congress.
Product: Credit card or prepaid card

Someone tried to apply for a credit card using my name as fraud. I never tried applying and I want this investigated. Credit is frozen so application was denied. I want this investigated to find out who is trying to fraudulently apply l.
Product: Debt collection

I am receiving harassing and threatening telephone, and death threats from representatives from Stellar Recovery , Inc., in regards to an account that do n't belong to me and is the result of identity theft. I am a victim of identity theft and the account do n't belong to me.
Product: Credit card

I signed up for American Platinum card with XXXX Membership Rewards points bonus after spending {$3000.00} in the first 3 months. The spending requirement was met, all spending are legitimate, no Manufacturing Spending, the XXXX points was posted to my account. Once the bonus posted I then closed this account. A few weeks later, the bonus was removed from my account for no reasons, the online forum suggested that maybe due to the American Platinum credit card account was closed " too soon '', however there are not wordings at all in the Terms & Conditions that the account MUST be opened, I have all the rights to close the account any time. I am requesting the XXXX MR points to re-post to my account.
Product: Payday loan, title loan, or personal loan

My husband and I had a credit card each with XXXX. When he XXXX XXXX years ago I took over his card and they immediately for no given reason jumped the interest rate to 20 % I have made payments to them all these years but getting nowhere. I decided to consolidate the loans by getting a cheaper loan from Discover loans. This was done in XXXX XXXX. One XXXX card was paid off by Discover namely a/c XXXX for {$9700.00} In the other case Discover sent XXXX {$12000.00} for ac " XXXX. '' Discover wrote the incorrect number for the credit card. The correct number should have been XXXX. This was XXXX. Discover claims they have sent several correction faxes to XXXX but XXXX seems unable to find Discover 's messages or indeed locate the funds. I am in the middle of these two parties with frequent phone calls that go nowhere. The result I am paying the full amount on the Discover loan as well as on the XXXX credit card that should have been paid off.. This extra payment has amounted to nearly {$1000.00} to me over this last three months. I can not get any solution from the parties since there is no resolution from my frequent phone calls to both parties.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I am my brothers POA whom the debt is possibly owed and they refuse to verify. They will not talk to me about it. I have told them several times, since they cant talk to me, to remove my contact info from their information. They keep saying they will, but don't. Today, XX/XX/2022 they called me at XXXX XXXX. I have record of it on my phone from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

These inquiries are on my credit report and are not mine.