23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a XXXX Comenity Capital Credit Card. As I was trying to obtain a mortgage, I paid the " balance in full, '' not the statement balance in XX/XX/XXXXand asked for the account to be closed. After I paid the entire balance, they charged a {$39.00} late fee and continued to do so until my balance was approximately {$190.00}. When I called, I was told that the account was closed but these were late fees. I had previously tried to communicate via the secure message center, but their replies were, I believe intentionally vague and not helpful. I spoke with XXXX ( ID # XXXX ) on XX/XX/2017 who said that if I paid a {$27.00} fee, she would negate the rest of the fees because my account was indeed closed in XX/XX/XXXX. I just received an email that my statement was ready to view. Obviously, I should not have a statement, so I logged in to see. I still have an available credit limit of {$150.00} and now have a balance of {$1.00}. The reply email I got from them was that I had to pay streaming interest on purchases until the balance was paid in full? I can not remember the last time I made a purchase with this card and do not have a balance with them. If I do not pay this {$1.00} balance, I am certain they will rack up late fee again. They now say that my account was n't closed until XX/XX/XXXX which leaves me to wonder why I have available credit at all?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This account ( Affirm, Account Number : XXXX ) has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 then 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 that person knows or has reasonable cause to believe that the information is inaccurate The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.
Product: Checking or savings account

This is an appeal to the results of our original complaint. I was told to submit it here. 

I have a case with XXXX XXXX XXXX XXXX as well, this is a Elder Abuse case whereas the defendant transferred via XXXX, XXXX from my trust account to her Wells Fargo, XXXX XXXX XXXX XXXXXXXX accounts. This went to court as she was prosecuted and charged for all crimes involved. Wells Fargo in my first go around submitted a check to me for {$7100.00} and stated that per the " Reg E-Electronic Transfer '' that was all we could get out of the total amount of {$42000.00}, which this amount was determined by the Forensic Accountant. The actual total that was taken via XXXX, XXXX, ATM withdrawals and checks she forged total {$150000.00}. You should have all documents from the XXXX. Than I filed a XXXX complaint/appeal and than Wells Fargo submitted another check to me for {$8300.00} again stating the same excuse about the above regulation saying customers are required to report unauthorized electronic fund transfers within 60 days of the bank 's transmittal of the statement to avoid liability. I have not cashed these checks as I feel this was a court case and I was told by their fraud department back in XXXX of XXXX  that in order to get my money back I had to prosecute in a court of law. I did that as with Covid and time it took XXXX years. They state they can't verify the phone call, which obviously old, but you can't just use this excuse. I contacted the FDIC as well and explained the entire situation and they stated to me that I did exactly what I was supposed to do and I should get all of my money back. I'm tired of playing games with Wells Fargo as this isn't right. Also, the fact that the Consumer Financial Protection is filing a Federal lawsuit again Wells Fargo, XXXX and XXXX XXXX for exactly what happened to me!!! I want at least the balance of the XXXX, XXXX transfers back. The remaining balance is {$26000.00}, which will make the total paid back {$42000.00} according to the XXXX XXXX findings of the transfers. I will continue to move forward and fight for my money for my deceased friends, who never deserved to be threatened, physically abused at all, he was scared to death to go against her, which is why the only thing he kept changing was his ATM card. You can see that she would transfer XXXX and run to the ATM and pull out the money. Also, you can see that she XXXX transferred sometimes XXXX or XXXX  times in a day and Wells Fargo 's " XXXX Department '' did absolutely nothing, so they claim on their phone line and website that they take pride in protecting their customers.. I say XXXX on that because if they did, they would've called him and he could've went to the branch per their request to change his account. I want the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX CapitalOne/Walmart, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cann furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Actions request : I would like payment update as agreed, not delete.
Product: Debt collection

I was called by National Enterprise Systems. When I asked them if they were a debt collector attempting to collect a debt they refused to respond to the question.
Product: Student loan

MOHELA has repeatedly failed to abide by the federal statutes and regulations surrounding debt collection and the rights of debtors. This is an ongoing issue that they seem to have no interest in correcting. 

In XXXX of XXXX, they failed to send billing statements with the legally required 20 days notice. I was able to make my payment, but only barely, as I only had 3 days notice that payments were resuming. 

In XXXX of XXXX, the same thing occurred. They failed to provide notice for the resumption payment dates, and I barely made my payment with only 5 days notice. 

In XXXX of XXXX, they became even more blatant. On XX/XX/XXXX, I made a payment in the amount owed of {$250.00}. On XX/XX/XXXX, MOHELA sent me a message declining the payment and stating that I was past due. 

Now, they are attempting to double-charge me by refusing to accept the payment unless it is coupled with XXXX payment.
Product: Mortgage

State bridge co have tried to negotiate but stop at every point asking to speak to debts holder or somone besides XXXXXXXX XXXX but no not updating or f awarding of offer to debts holder a Forclousure date is set for XX/XX/2023 no matter what offer is made XXXX XXXX rejected. After the new mortgage survives have been delt with now another sale date of XX/XX/2023. 
There has been no update to show we made offer and no response to speak to anyone else everything is faword to XXXX XXXX and he told me he dont want to negotiate or resolve the problem
Product: Payday loan, title loan, or personal loan

I have contacted this company and sent letters advising them that I was opting out. I called the phone number, went to the website and mailed several letters to XXXX as instructed. I have already filled out a Permanent Opt-Out Form but the company continue to send me mail. Sometimes I get letters from Balance Credit at least 3 times a week. It's annoying and very harassing. I really want them to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my outrage not just at the recent security breach at Equifax, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input? 

Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers. 

The situation ( at Equifax at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report. 

However, I have no doubt that the charges will return very quickly ( XXXX and XXXX  have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.
Product: Debt collection

Credit acceptance is reporting on my account but have not validated the debt nor verified the debt belongs to me, Nor have they given proof nor shown proof of the original contract being signed with my signature, they are misleading and false Misrepresentation and Reporting inaccuracies on my credit report and harassing me with calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Applied for credit card through XXXX XXXX on behalf of XXXX XXXX and XXXX XXXX. I have fraud alert on my Social Security number due to loss/sharing of personal information. The denial came in the mail. I called numerous numbers two of which went to XXXX XXXX XXXX XXXX and the last to this number was answered by XXXX : XXXX repeatedly told me to remove the fraud alert from my social security number - I explained to her that I was not comfortable with that. She kept telling me that. I asked for a supervisor and she disconnected the call after 18 minutes. 

I am absolutely unsure of this process but I do not trust someone telling me to remove a fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to my US Bank account ending in XXXX. 

I had emailed them last year when I had just moved back from California to XXXX DC and was not receiving my statements. I had filled out my Official USPS Change-of-Address form before moving, and most of my other mail was able to be delivered. 

But because nobody had been living at the address I moved to in the past few years ( It's a family owned apartment ) the postal carrier wasn't delivering the mail. I had to go across town to the Postal Center and reclaim the mail. 

So I didn't do anything wrong, and it's not my fault that I wasn't receiving statements. Plus I had to move last minute back to the East coast which is disruptive enough. 

Regardless, I would have paid these on time if I had been receiving my statements. My payment history is excellent otherwise, except for these 2 'late ' payments.
Product: Credit card or prepaid card

upon receiving my consumer report, I found many inaccuracies including this company reporting to all consumer reporting agencies. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate or unclear.
Product: Mortgage

XX/XX/XXXX - I mailed check # XXXX in the amount of {$50000.00} mailed to Mr. Cooper for the current balance on Loan Number : # XXXX XX/XX/XXXX - Check was confirmed received by Mr. Cooper XX/XX/XXXX thru XX/XX/XXXX - Made innumerable contacts with Mr. Cooper through phone calls, emails, and Mr. Cooper web site messaging asking the check be applied C ; responses from Mr. Cooper were auto responses that did not address the complaint as well as phone calls with many employees having to repeat the complaint on numerous occasions ; received collection calls from Mr Cooper representatives XX/XX/XXXX - received the original check issued on XX/XX/XXXX ( check # XXXX - {$50000.00} ) returned to us - see attached letter from Mr. Cooper XX/XX/XXXX - week of XX/XX/XXXX I mailed new check in the amount of {$42000.00} to Mr. Cooper to be applied to {$42000.00} - note : payment was for 89 % of balance to avoid having to send a certified check XXXX/XXXX/XXXX - Payment of {$42000.00} applied to loan - XX/XX/XXXX - received payoff off quote of {$6900.00} and completed XXXX bank transfer for {$6900.00} plus a {$20.00} wire fee - see attached XX/XX/XXXX - Received letter in the mail from Mr. Cooper - Satisfaction of Mortgage XX/XX/XXXX - received refund check from Mr. Cooper for balance of escrow funds at the time the loan was paid off XX/XX/XXXX - XXXX collections phone call Mr Cooper XXXX XX/XX/XXXX - XXXX collections phone call Mr Cooper Loans XX/XX/XXXX - XXXX collections phone call Mr Cooper Loans XX/XX/XXXX XXXX XXXX collections phone call Mr Cooper Loans Summary of XXXX : Since XX/XX/XXXX - we have made in innumerable attempts to pay off our mortgage with Mr. Cooper - includes mailing x2 check and completing a wire transfer. Mr. Cooper has returned both checks, accepted the wire transfer and issued a satisfaction of mortgage on the property. It should be noted that in addition to sending us a copy of the satisfaction of the mortgage- the also mailed XXXX XXXX, MN a copy of the satisfaction of Mortgage. 

Now, Mr. Cooper is claiming the mortgage is not satisfied and in fact has initiated collection procedures against us. 

This has caused extreme hardship on my spouse and me- completely unwarranted and unnecessary. 

Any attempts to address this issue ( s ) with Mr. Cooper has resulted in auto responses, many phone calls with Mr. Cooper representatives that can not solve the issue and extortionary delays in speaking to anyone.
Product: Debt collection

According to 15 USC 1692a ( 3 ) and a ( 4 ), I am the consumer and the Original Creditor. FEDLOAN SERVICES is aware that they are in violation of the Federal Debt Collection Practices Act. Consumer has sent several letters in a desire to settle this matter privately with FEDLOAN SERVICES. FEDLOAN SERVICES are failed to provide any valid proof ( under pains of penalty of perjury ) that Consumer owes the alleged debt. FEDLOAN SERVICES have violated the rights of the consumer by : 1. Requesting a fee that is allegedly owed from the Original Creditor and acting as if they are creditor. FEDLOAN SERVICING has produced no contract proving that the consumer is indebted. Furthermore, pursuant to Truth in Lending Act, consumer is only responsible for finance charge, and that charge called a loan fee by U.S. Department of Education was subtracted upon disbursement and is in violation of 15 USC 1692 f ( 1 ) 2. FEDLOAN SERVICING failed to respond to the request of debt validation, failed to provide name and address of original creditor ( as defined by Federal Law ) to confirm debt, a violation of 15 USC 1692g ( 4 ) and g ( 5 ). ( See exhibit 1 ) 3. FEDLOAN SERVICING is reporting to the consumers credit profile without express written permission to report any information violating 15 USC 1692c ( b ) ( See exhibit 2 ) 4. FEDLOAN SERVICING is furnishing false and misleading forms indicating that the consumer is a borrower and not the creditor. Definition of borrow does not exist in 15 USC 1692a and is a false and misleading term which is violating 15 USC 1692 j ( a ). ( see exhibit 3 ) 5. FEDLOAN SERVICING did not disclose that the name FEDLOAN SERVICING is a DBA, and its true company name is XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1692e ( 14 ) ( see exhibit 4 ) 6. FEDLOAN SERVICING failed to provide the consumer upon his request for a true bill of all accounting on alleged debt as required by 15 USC 1666 ( reference exhibit 1 ) 7. FEDLOAN SERVICING failed to provide a three ( 3 ) day right of rescission to the consumer/original creditor pursuant to the Truth and Lending Act and 15 USC 1635a 8. FEDLOAN SERVICING utilized a form to give perception that they are affiliated, linked, or bonded with the U.S Department of Education violating 15 USC 1692 e ( 1 ) and e ( 10 ). ( see exhibit 5 and reference exhibit 3 ) 9. FEDLOAN SERVICING represents the alleged debt in positive figures, which cant be a debt and is false and misleading violating 15 USC 1692 e ( 2 ) ( a ) ( see exhibit 6 ) 10. FEDLOAN SERVICING was contacted with a termination/rescission letter for failure to respond and not providing full disclosure dated XX/XX/XXXX ( see exhibit 7 ) 11. FEDLOAN validates receipt of letter dated XX/XX/XXXX however did not comply with returning original security instrument or funds obtained from security instrument violating 15 USC 1635 b. ( reference exhibit 5 ).
Product: Debt collection

This company has obtained my personal information from a company without consent of the consumer in order to sell personal private information. This is a violation of the Gramm Leech Bliley Act whom protects consumers from misuse of personal information and sharing practices to companies without opt out notices in which I have NEVER received. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. This is a federal crime and is punishable up to 10 years in prison and {$10000.00} fine or more. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification ; & failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent dispute on XX/XX/2021 to XXXX, XXXX, XXXX and, chex system through certified mail no. ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) .with a formal dispute with instruction and a affidavit of truth and facts or notice of intent to sue for violation committed by these companies disregarding the law taking abuse on a consumers rights.
Product: Debt collection

XXXX XXXX contacted my family member XX/XX/XXXX between XXXX and XXXX eastern standard time and disclosed my personal information as well as my balance that was owed to them, they also informed this relative as to how many months I was behind with my payment. The representative that contacted my relative was a Mrs. XXXX XXXX ID XXXX
Product: Debt collection

XXXX XXXX XXXX sold the debt to Midland credit management, there was a settlement amount for {$470.00} the account was satisfied on XX/XX/2017 Midland credit management account number XXXX
Product: Vehicle loan or lease

I paid off our loan on a camper in XX/XX/2020. I have been calling US Bank about the title status/lien release since early XXXX. The lien release has never been received. Every time I call US Bank, they just keep telling me they will put in the request. Ive called no less than 12 times since early XXXX and keep getting the same run around. This lack of service is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously called as well as disputed information that doesn't belong to me I made a report with FTC asking what I can do before filing a law suit this was my next step I provided my identification card as proof of these products not belonging to me and nothing was done. I wasn't notified by mail I asked to be notified by mail pending outcome of the investigation and nothing was provided when I call a man I talked to was very rude and aggressive with me and now I'm filing a complaint because nobody should be treated this way when I'm just looking for help I understand they get paid off more accounts I have on my account but by law if it don't belong to me it have to be removed. Thanks you
Product: Payday loan, title loan, or personal loan

This was a cease and desist violation. Lender has contacted third parties and disclosed debts. Lender has refused to discontinue contacting third parties after multiple requests.