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

I received an email from XXXX  ( my credit monitoring services ) on XX/XX/2020 about a new account that was added to my ; XXXX XXXX XXXX XXXX reports from " SOURCE RECEIVABLES MNG / Original creditor : XXXX, ACCT # XXXX '', which XXXX / XXXX has hired a second, third party collection company after this account was removed from the other third party collection company " XXXX  ''. This is a fraudulent account on my credit report. I am a victim of identity theft, I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services from " XXXX  '', " Source Rec MNG '' or " XXXX ''. This is my final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA ( Fair Credit Reporting Act ) regarding your refusal to delete the FRAUDULENT account information from my consumer file. Your failure to REMOVE this account has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, a creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666 B states, a creditor may not treat a payment on a credit account under an open-end credit plan, late.
Product: Mortgage

I took out a XXXX XXXX XXXX at XXXX  XXXX  secured by a mortgage on my primary residence. I paid this loan in full in approximately XXXX or XXXX. I no longer have any records of the transaction, and it was such a long time ago that I don't remember all the details. As far as I can recall I have not heard from XXXX  XXXX  since this loan was paid nor have I heard from their successor Wells Fargo Bank. A few days ago I learned that the mortgage was not satisfied. I then called Wells Fargo Bank to demand that this mortgage be satisfied. I spent more than XXXX hours on the phone speaking to XXXX different customer service representatives including supervisors. They all refused to even discuss this with me because I did not have the loan account number. I then explained that I am in the process of entering into a business transaction in which I am required to produce title to the mortgaged property free of any mortgages or liens. The bank 's refusal to satisfy this paid in full mortgage makes it impossible for me to meet this requirement ... and as a result I will suffer a monetary loss.
Product: Mortgage

On XX/XX/2013, I XXXX with the XXXX XXXX to the XXXX XXXX. My civilian pay stopped at this point. It took many weeks after several delays for my XXXX pay to be established. During this period my HELOC payment to BMO Harris Bank was late as a result of the income lapse. Attempts have been made to have BMO Harris Bank remove this negative mark from my credit report due to my XXXX status. BMO Harris Bank has rejected my request.
Product: Debt collection

The alleged debt is from a previous landlord and this matter was resolved in XXXX XXXX Municipal Court under Case No. XXXX  XXXX  XXXX via Magistrate Order on XX/XX/2019. The landlord attempted to file an eviction, I placed the money in an escrow account in court and filed a counterclaim against the landlord because 1 ) I had documentation showing that the rent was paid as agreed 2 ) they charged an illegal eviction fee to my account 3 ) I had sworn affidavits from tenants who experienced the same deceptive business practices from this landlord. I entered into an agreement with the landlord 's attorney to dismiss my counterclaim and they would dismiss their claim if I moved out of the unit " on or before XX/XX/2019 '', which I did. Even the money in escrow was returned to me, as opposed to being granted to the landlord. The Magistrate 's Order states " PURSUANT TO SETTLEMENT BETWEEN THE PARTIES DEFT AGREES TO VACATE THE PREMISES ON OR BEFORE XX/XX/XXXX. 2019. THIS ENTRY DOES NOT PRECLUDE PLTF FROM RECOVERING FUTURE DAMAGES BEYOND NORMAL WEAR UNDER CHAPTER XXXX OF THE OHIO REVISED CODE THAT IT MAY SUFFER. '' The landlord has submitted ( significantly inflated ) charges to the credit bureau that were not to be included per the agreement and magistrate order. I disputed this with the credit bureaus. XXXX  removed the debt, XXXX  and XXXX  have not. I have contacted the collection agency directly to dispute the debt, they have not responded.
Product: Mortgage

Wells Fargo sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not suited to handle a 'negative amortization ' loan. Online and statement by mail only give the option to pay the minimum amount plus insurance. They see my loan as a standard ARM and at the same time tell me they understand a negative amortization loan. Since taking over the loan ( 4 or 5 months ago ) I have to call every month to make my payment. I never speak with the same rep so I have explain my loan so they take the right payment. This takes time as they put me on hold to read the mounting notes of the previous months. They go through the same series of solutions that I go through every month that never fix the issue. Since being forcibly moved into this company it has taken me 30 to 45 minutes to make a payment. It used to be 30 seconds online at Wells Fargo. All I am being told is that they are working on it. My relationship due to my frustration is not going very well with this company. I understand my loan can be transferred and what I do not understand is how it can transferred to a company not suited to handle this type of loan? Wells Fargo told my only way back it refinance but I like my loan and want to keep it. 
What recourse does a consumer have in this type of indecent? There has to be something against mortgage companies selling consumer mortgage loan paper to unqualified companies.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX has Identity Theft Company or organization name is Arkansas Child Support XXXX the amount is XXXX date discover XX/XX/XXXX. Also Fraudulent information on Credit Report with Inquiries : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have been spending countless hours making phone calls and writing to Equifax credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies and outdated information on my credit report. These include : Incorrect personal information, such as my name, address, and phone numbers. 
Hard inquiries I did not authorize. 
Accounts that have been on my report beyond the seven-year reporting period allowed under the Fair Credit Reporting Act ( FCRA ). 
I have attempted to correct this information, but it remains unresolved. Additionally, some of these accounts and inquiries are not mine, and I did not authorize them. 

XXXX XXXX XXXX and other entities have reported debts without providing proper validation or proof, such as a signed agreement, bill of sale, or accurate accounting of balances. This has negatively impacted my credit profile.
Product: Payday loan, title loan, personal loan, or advance loan

As part of a class action law suite , a full refund should have been issued from this creditor to all past and present loan accounts. I did not receive my refund of {$1200.00}. Of additional interests paid to this company. I would like a full refund as per a class action law suit brought against this creditor.
Product: Credit reporting or other personal consumer reports

My information is not correct on my credit report and also things are in there that dont suppose to be. Reached out they didnt change it or send paperwork like they stated.
Product: Checking or savings account

I had a checking, savings, & credit card account with First Tech FCU for over 10 yrs. My line of credit was XXXX and my payments of {$300.00} each month were in very good standing until I missed a payment for XXXX 2022. It was an oversight. I was having health issues during XXXX & XXXX of 2022, and I was admitted by emergency at the XXXX XXXX XXXX XXXX where I underwent extensive testing and treatment for 2-days. 
I had been with that same bank branch location before it changed names a total of 3-times, ( over 20-yr 's ) I first opened my account at that branch when it was XXXX XXXX XXXX, XXXX XXXX XXXX changed to XXXX XXXX XXXX, and later became First Tech FCU. 
My direct deposit from my employment went to First Tech FCU, my mortgage payments were automatically paid thru my checking account. The bank failed to make my mortgage payment for XX/XX/2022 because they closed my account without notice. My excellent payments with my mortgage were negatively affected as a result. 
According to the Consumer Financial Protection Bureau, First Tech FCU violated the Fair Debt Collection Practices Act ( FDCPA ) when they garnished the entire amount of funds available in my checking account in the amount of {$4000.00}. without a court ordered judgement, & without proper notice. 
ADDITIONAL DETAILS I could no longer access my bank statements when my account had been closed. 
The bank was demanding full payment in an amount above the amount owed without reducing the unauthorized funds that First Tech FCU had garnished from my account. I did not agree to the demands and the banks agent wanted in the amount of {$650.00} a month ( previously {$300.00} a month ). 

A debt collector, " XXXX XXXX " with XXXX, XXXX contacted me last month in XXXX by sending me a validation notice. I responded and disagreed with the incomplete & inaccurate details that he provided ( See Attached item 1 & 2 ) XXXX XXXX replied again 1-week ago, but this time he made false & slandering accusations. ( See attached, item 3 ) His words were very offensive, false, and contrary to the integrity of my credit file in excellent status.

I recently discovered that the entire 10 yrs. of my payment history with First Tech FCU is missing from my credit report ( not displayed ). ( See Attached, item 4 ).

I have always strived to maintain an excellent status with my financial responsibilities, & payments debts, accounts, and creditors. request that this creditor 's derogatory reporting not be considered as a negative reporting at this time against the integrity of my credit history on file because I am pursing legal action against First Tech FCU.
Product: Prepaid card

I was in card accident an my XXXX  California account was compromised an they say they will fix it and have not bank of America just gives me the run around
Product: Debt collection

Apparently for some reason, Diversified Consultants Inc. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the   XXXX   major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed.
I disputed this account back on  XX/XX/XXXX  on my  XXXX ,   XXXX   and   XXXX    credit reports to no avail. Diversified Consultants Inc. continues to ignore my requests and they continue to ignore my consumer rights.
I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted.
Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA.
In the US Law Encyclopedia,   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  . Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that Diversified Consultants Inc. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. Diversified Consultants Inc. is blatantly disregarding the law.
Product: Credit card or prepaid card

Vanilla Visa Gift Card placed my card on hold. I called the customer service number at XXXX to ask why my card was on hold. A representative answered the phone and would not answer why my card was on hold. She kept talking over me and wouldn't answer my question. I asked to speak to a supervisor. I was then placed on hold for hours and no one ever answered my question of why my card is on hold. I have funds on the prepaid Vanilla card that belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agencies to verify my information, and they sent me letters saying they did. However, I have double-checked and there are many errors and inaccurate dates and other information. Here are the details : In accordance with the fair credit reporting act XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

has violated my rights.

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian, XXXX and XXXX has incorrectly reported a loan from XXXX XXXX as a Charge off. My loan is in good standing and it was not charged off.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital ONe 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request you assistance in investigating this matter to ensure my rights are upheld. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX threatened to call the police to repossess a vehicle on private property. Their representatives knocked on my door at XXXX, and threatened me by stating that I was violating the law, and that they would bring the Sheriff. 

Not only is XXXX buying defaulted predatory loans, they were difficult in dealing with. When they came to my property, I offered to resolve the issue in the morning. Not only did they refuse, they started yelling and became verbally abusive. 

XXXX never sent account or balance updates and misrepresented the Amount due on numerous official documents.
Product: Credit reporting or other personal consumer reports

I was unsure as to whether or not this complaint should be " filed '' under the store credit card or under the consumer credit-reporting agencies. 

I am 69 years of age, and keeping an unblemished credit score for the past 55 years is something in which I take great pride. 

Prior to this situation, my credit score was XXXX. 

Due to not having received a monthly statement for two consecutive months from my XXXX XXXX XXXX XXXX XXXX  XXXX from what I've been able to gather was for a balance of ~ {$57.00} -- my once unblemished credit score took a XXXXpoint nosedive to XXXX. 

A drop in my credit score from XXXX to XXXX -- over a balance of {$57.00} -- seems very heavy-handed to me. 

I've chatted with XXXX ( on XX/XX/24 at XXXX ), XXXX XXXX XXXX on XX/XX/24 at XXXX ), XXXX ( XXXX XX/XX/24 at XXXX ), and one other employee of XXXX. 

Simply stated, I am infinitely more concerned about my credit score than I am with a {$40.00} late fee and minimal interest. 

When I chatted with XXXX, she explained that according to her computer, the two statements that I didn't receive were, in fact, sent to me by XXXX. I know I didn't receive them. Although I wasn't thrilled with sharing the following, I said : " OK. Let 's accept that you sent me these statements. Do you have proof that I received them? '' My personal policy is to pay my c.c. balances only upon receiving statements. Mind you, for many months, my XXXX balance was {$0.00}, as this c c. is one that I use only at XXXXrelated retail stores. 

It was also shared with me that, " When an account is 30 days past-due, the account is reported to the credit-reporting agencies! '' Lastly, XXXX " removed '' a late fee of {$16.00} as well as interest of {$2.00}. 

And yet, my credit score dropped from XXXX to XXXX ( XXXX points ) over a balance of less than {$60.00}. 

I appreciate your assistance in advance, XXXX
Product: Credit reporting or other personal consumer reports

Despite sending the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, the account is still being reported on my credit report. I have contacted the creditors associated with this account, and they have acknowledged the fraudulent nature of this account. They have assured me that the account will be removed. I have also provided the creditors with all necessary documentation to support my claim. Additionally, the credit bureaus XXXX and XXXX have already removed them so I expect you will do the same thing. 

XXXX XXXX XXXX
Product: Student loan

We have 3 student loans that have a balance of XXXX with Nelnet, these are simple interest loans at 7+ %. We have paid the loans and our next due is XX/XX/2020. We have set up automatic payments of XXXX each month to go to principal, as the P & I payment is not due until XX/XX/2020. Nelnet will not apply any of the payment amount to principal only interest. We should be able to direct additional payments out side of the payment schedule to principal,
Product: Money transfer, virtual currency, or money service

i am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate 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 electric fund transfer act ( efta ) and regulation e. these actions caused it significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I had been mislead by there " pre, -approval '' advertising at 3 times I was lead to believe. I'd be able to get a loan
Product: Credit card or prepaid card

How come in the XXXX century when I pay {$9000.00} on my credit it takes days for it show up with reduced ballance this nonsense it should be immediately. It comes out of my account immensely but does not show up in ballance. Also why in XXXX name arent these interest charges capped I cant get nothing in the bank on interest on my money but credit cards can charge in 20 % range its a joke even XXXX XXXX XXXX had usery laws to keep money changers from charging whatever they wanted. Theres no competition between credit card companies if there or value as a customer