23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I contacted Midland Credit Management after speaking with XXXX XXXX and being advised my credit card had been referred there. 
I was advised by their collector that the account was placed in their office on XX/XX/2019. Shortly after advising my account had been there for less than 30 days, he made a demand for " immediate '' payment. This demand was repeated by the collector twice in the call. 
Further, he got extremely judgmental and implied I used the credit card and never paid for the charges which are untrue. 
My attorney has listened to a copy of the call which I have taken the liberty of attaching to this complaint and has advised me that the collector " overshaddowed '' and has violated the FDCPA. Upon the advice of an attorney, I am pursuing a civil suit against Midland Credit Management. 
Please review the call and audit the agency for their blatant abuse of U.S. Code.
Product: Mortgage

Contacted Wells Fargo in an attempt to cancel my escrow account for my VA backed home loan. Was told that Wells Fargo will not cancel escrow accounts on VA backed home loans like they will other standard loans and that the escrow account must be kept for the life of the loan. This will tie up thousands of dollars needlessly and is blatantly discriminatory towards US Military Veterans who take advantage of the VA backed home loan offers.
Product: Money transfer, virtual currency, or money service

In XXXX of this year EDD loaded funds into an account managed by XXXX XXXX  I started using the third parties money service only to have them lock my account after 4 purchases with their provided bank card.

I contacted customer support and was told to resolve the issue and I was told that due to what they thought was fraud my account had been locked and that theyd have to mail me a check. I was told that I receive a check in 5 days, when the check didnt arrive I phoned again and was told actually it would take 14 business days.

I waited, after 15 business I called back and asked for a status on the whereabouts of this money. The customer service rep told me I was going to have to wait another
10 days to receive the money. This is now 23 days after the fact, {$2800.00} is in limbo with no explanation and only more excuses and lies. This company has no business handling unemployment funds. People are struggling in this inflated economy state and hacks like this are killing the financial strength of families effected by layoffs.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information for the second time. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX : XX/XX/XXXX SSN : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes 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 : ( 2 ) 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 you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I 've tried countless times to get information on consolidation and loan forgiveness since I 'm a XXXX  XXXX XXXX XXXX I have n't gotten clear answers or directions
Product: Debt collection

i have called credit control for 4 months to no satisfaction. they keep offering a settlement and demand a one time payment for this settlement which they understand is not possible. they then offer terms on the full amount which is not fair and discriminatory. 
they are in fact not wanting to settle and then start repeating, offensively there demands. 
they are not open to any discussion but their stipulated terms.
Product: Debt collection

On XXXX I sent numerous certified letters to lvnv about producing a forward flow agreement or chain of command they say they dont have to show it which clearly states they dont own it show me proof I signed a contract with lvnv resurgent I never did reporting information on my credit reports without my permission is fraud identity theft Along with a cease and desist letter
Product: Credit reporting or other personal consumer reports

I checked out a copy of my free credit report and I noticed a huge issue. XXXX is reporting a late payment that is not accurate. I asked them to fix it and they didnt respond or send me any proof of their investigation. I asked experian to fix it and they didnt send me any proof of their investigation. 

i want this account investigated for completeness and accuracy. if it isnt complete AND accurate I want this deleted! it is not fair that this is huirting my score I am a XXXX I need a good score to buy a house!
Product: Checking or savings account

I've previously filed a complaint XX/XX/22 - Complaint Number XXXX, against Capital One in regards to a theft of funds from my account, in which they responded on XX/XX/22 stating that I did not provide them with requested documentation. This is false, as I have the emails that were sent and received directly to XXXX. I was sent a letter from a Capital One Representative by the name of XXXX, who provided her number, extension and office hours. I've left repeated voicemails and she blatantly refuses to return my calls, It's now been more than 2 months and she is never available, and never returns my phone calls. I need assistance retrieving my funds that were stolen from my account, and Capital One has responded to the consumer complaint, but will not follow through when I contact them, as stated in the letter they provided.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit 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 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$18000.00} XXXX # XXXXXXXX XXXX XXXX XXXX {$750.00} XXXX # XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Hi, I need to dispute 3 transactions made with my debit card XXXX, I treid to call several times to the bank and is impossible to speak with someone due that the system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I made these 3 transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I bought 3 smartphones XXXX XXXX XXXX XXXX XXXX, the purchase were made in person at the store, but the shop didnt have it on stock at the same place for immediate delivery, So they will send by XXXX it to my house and I should get it no longer than XX/XX/XXXX. 
The shipment never arrived, also I never get a tracking number or shipment information. 
I tried to request that information several times from the merchant but they never answer my emails and phone calls. Also I couldnt go in person to the store because I moved to another city.
Product: Debt collection

I have been receiving repetitive calls all day everyday from XXXX XXXX. When they call me they always call private so the number never shows up and I know its them because Ive answered the phone on multiple occasions and it was XXXX XXXX. I get calls from them atleast 3-4 times per day. Its really annoying and they never call from a business number its always private.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company XXXX XXXX was advised of identity theft and credit fraud. Information submitted to all credit bureaus and credit company. They still will not remove off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps calling me after I have asked them to stop. They are informing me that they will dispute everything listed on my credit file and since most companies do not respond to their emails in time, it will remove all debt all hard inquiries from my account. I need to have someone assist me into this because consumers are able to dispute items on their credit report. If there is some information that is not available to the public I would love to know because it would assist me in getting a higher credit score.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued concern regarding ongoing issues with my Equifax credit reporting. Despite numerous attempts to resolve the matter, I am still experiencing difficulties with my credit score not being reported to lenders or third-party services. 

I have complied with your request to submit a copy of my Social Security card and a photo for account verification purposes due to a previous account split. I have sent this information twice, and it has been confirmed that they received the documents. However, the problem persists, and the issue has been escalated multiple times without resolution. 

I kindly request your urgent assistance in addressing and resolving this matter. Your prompt attention to this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is creating multiple data points, based off of outdated information in an attempt to be more credible than the two other credit reporting agencies & has affected my score to go down, with consistent and full-on time payments Credit Reporting Agency has closed over 30 disputes & has physically mailed me only ONE dispute - I have records of all disputes & their negligence to fix reporting is desperate at best
Product: Checking or savings account

Wellsfargo withdrew my kids income tax return without my authorization to-pay a credit card on collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report after reviewing it, I found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address. The account in question is : Name of Account : Account Number : Reason for Deletion XXXX  # XXXX Does Not Belong To Me
Product: Checking or savings account

My name is XXXX XXXX. I opened a PNC Virtual Wallet with Performance Select account on XX/XX/2021, which I applied through the PNC website with the promotion to receive {$400.00} after {$5000.00} direct deposit between XX/XX/2021 to XX/XX/2021 to open the account. But today the customer service from PNC told me my account has no promotion applied, even I have qualified direct deposit to my PNC account. This is definitely something wrong since I applied through the PNC website with the promotion code on my application before I submit the application. I am very sure because I double-check that before I submit my application online. If the promotion code is not applied to my account that should be PNC 's mistake.
Product: Mortgage

I started covid modification with XXXX XXXX Mortgage Fall XXXX. XXXX gave loan to PHH. PHH did not complete modification process until XX/XX/XXXX. 
All papers were submitted by XX/XX/XXXX. We applied for the modification because of illness and financial struggles during covid 19. My partner passed XX/XX/XXXX. I submitted death certificate document to PHH. XX/XX/XXXX PHH raised my payment. PHH had documents verifying my partners ' death and income reduced by 50 %. 

PHH continues to claim extra charges of {$2000.00} each year. PHH is not giving accurate information regarding my payments. PHH continues to increase my payments. I have attempted to resolve the entire year of XXXX. However, each customer representative delivers contradicting information. 

I spoke with relations manager XXXX XXXX XX/XX/XXXX. XXXX XXXX is not able to confirm that he has looked over the records. XXXX XXXX XXXX could only state the Dedicated Department handles everything and the Dedicated Department is not available to speak with customers. Thank you XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a balance transfer to an Elan financial Services credit card with a XXXX percent promotional rate for XXXX months. I do not typically use the card for day to day use. in XX/XX/XXXX I made a charitable donation for {$20.00}. XXXX days later on XX/XX/XXXX, the company assessed a {$1.00} fee for minimum interest on the {$20.00} donation - 5 % interest or 60 % annualized interest for the same billing cycle. My current purchase APY is 18.24 % as noted on my statement. On XX/XX/XXXX I contacted the company to inquire about the charge and the woman on the phone insisted this is their standard practice. I have never been charged interest within the same billing cycle, never mind XXXX the stated rate.
Product: Debt collection

The debt collector asked for my great niece. I am a XXXX yr old woman and my niece do n't live at my address, nor do we share the same number. When my niece called them back, they ask for her married name since XX/XX/XXXX. We immediately knew who gave these people the number. His name is XXXX XXXX XXXX and his number is XXXX. I called him and asked him why would he give my aunt 's number out and she is frail and old? His date of birth is XXXX/XXXX/XXXX and while married, he owe student loans while married.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information.

2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms. 
3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation. 
Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Credit reporting or other personal consumer reports

YOUR COMPLAINT 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. XXXX XXXX XXXX account XXXX Open XXXX closed XXXX Balance XXXX XXXXXXXX XXXX XXXX Original creditor Balance Balance updated XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and XXXX XXXX XXXX of a 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 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 am making payments to ECSI and I am trying to understand the " fees '' or " charges '' associated with paying my loan. My concern is specifically around " Service charges '' that are applied when you pay your loan using certain payment methods. Financial institutions are to disclose all " fees '' or " charges '' in accordance with UDAAP to the consumer. I do not believe ECSI is doing this and should be held accountable ( although " Federal '' ) to the same standards as all other lenders. 

If I log into my bank and pay my loan with the institution I should first be aware of all fees associated and these fees should be fair to me. In regards to my student loan and I am a young professional trying to get on my feet. I took the loan because of the interest rate and I did n't have many other options. I am now paying on my loans and everytime I go to make a payment I am being charged a " service charge ''. This service charge appears to be different depending upon the payment method I choose. In addition, the charge seems to go up depending upon the amount I pay on my loan. The greater the amount I pay the more the " service fee '' goes up. My questions I would like answered : 1. Why is there a " service charge '' being applied to student loans each transaction a when a young professional is trying to pay their loan off? This seems unfair and does not keep the customer first. 
2. Why is this " service charge '' not disclosed online and why are the details of how they come to the " service charge '' not disclosed online? This seems deceptive and unfair. 
3. Why does this " service charge '' go up based off of me paying more on my loan? If anything the service charge should go down when I pay more. I was charged {$4.00} sense for paying a {$100.00} amount with my Debit card. The fee goes down to {$2.00} when I pay {$40.00}. This seems unfair, deceptive, and abusive to the consumer. 
4. Why is the " service charge '' different for each different type of payment method and why is this not disclosed to the customer as to why each different type of payment method is different and how they come to the charge? This seems unfair and deceptive. 
5. The Federal Government should be held to the same standards as any other Financial Institution due to them becoming a money lender. When a student who is trying to do the right thing and pay off their loans is being nickeled and dimed in addition to the interest that they are paying and any other late fees just to make a payment it is not right. Every time I make a payment I am being charged almost {$5.00} dollars in addition to the money I already owe. Does this compare with the standards regarding how banks process loans? 

In conclusion, the volume and likelihood of this happening to all other students is very high. The amount of money being collected from " service charges '' appears to be unfair, deceptive, and abusing to the borrower.