23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to address an ongoing issue concerning my credit report, specifically the continued existence of fraudulent accounts despite repeated efforts on my part to rectify the situation. This matter has caused significant distress, and I am seeking your assistance in resolving it promptly. 
Account Information : Creditor : XXXX - CARD SERVICE XXXX PLEASE DELETE!!! 
XXXX  - CARD SERVICE XXXXPLEASE DELETE!!! 

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. Despite my diligent efforts, these fraudulent entries persist on my credit report maintained by your bureau. This situation is both frustrating and alarming, as it not only negatively impacts my creditworthiness but also questions the effectiveness of the credit reporting process. I have also made repeated attempts to escalate this matter through the appropriate channels, but the issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act and Title 15 Annotated commerce and trade .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Us dept of ed/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/Dept of ed # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. its also states a consumer reporting agency can not furnish a account with out my written instruction.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

On XXXX XX/XX/year>, I tried to open the credit card app and I saw my closed without my knowledge. 

My Citibank credit card account was closed without prior notice or any explanation. I have maintained good standing on the account and have not received any warnings or communication suggesting some issues could lead to closure. 

I reached out to Citibank customer service seeking clarification, but I was not provided with a clear reason for the closure. This action XXXX negatively impact my XXXX XXXX and overall financial health. 

I am requesting that Citibank provide a clear explanation for the account closure and consider reinstating the account if possible.
Product: Mortgage

On XX/XX/2023 we have requested that the escrow account attached to our mortgage in good standing be closed. 

Citizens bank quickly without writing denied the request not including the escrow waiver agreement via mailed documents. 

On XX/XX/2023 we appealed the denial and were told our mortgage needed to be paid at 80 % loan to value the mortgage is currently at 87 %. 

No where in the closing disclosure or legally binding agreement is this stated only that the bank may close the escrow account at anytime for any reason which was also a option at closing, the bank is in violation of misrepresentation, breach of contract and concealment of documents. 

Citizens bank also continues to hold a account without my consent which is against federal law
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I transferred {$50.00} via XXXX to obtain the facial services. However, the merchant provided the fake address. I chat XXXX to assist me to dispute the transaction. XXXX had me to contact my financial institution JP Morgan Chase. On XX/XX/2023, JP Morgan Chase gave me temporary credit {$50.00} while they were investigating the transaction. On XX/XX/2023, JP Morgan Chase reversed the {$50.00} and I called JP Morgan Chase that this was a fraud transaction because the merchant gave me a fake service address. JP Morgan Chase said that Chase doesnt offer assistance for XXXX transactions. On the other hand, XXXX told me that for transaction $ dispute, I should contact my financial institution. Thereforethis brought me to file the complaint via CFPB.
Product: Payday loan

My wife and I purchased carpets XXXX today financed through Wells Fargo on XXXX/XXXX/2014. On the anniversary of that date I was charged {$1500.00} at 27 % interest for one year of back dated interest on a loan that totaled {$5600.00}. At the time of sale it was never explained to me or my wife what the interest rates were or the stipulations on the 12 months no interest deal was. The salesman simply said interest would start after the 12 months. The salesmen spent a better part of XXXX hours showing us carpets he also filled out all the forums for us. While rushing us through the paper work he kept assuring us that this would be far less expensive than putting it on a credit card. As you can see with the documents provided they are all in his hand writing. At the end of the sale he gave me a small paper stating it was a receipt I needed to sign for. Again it was filled out by him. So I signed for it not realizing that it was not in fact a receipt but in actuality a credit agreement, that he filled out ahead of time. Looking at it I would never of agreed to such an unfair one sided agreement. The tactics used were predatory and took advantage of new homeowners that had no experience with such types of sales and loans. So as it stands now I paid {$2300.00} on a loan that 's principal has only gone down by {$630.00}. If it were explained to me honestly I would have either paid in full at the time of sale or put it on my credit card which is more than half the interest rate of the egregious 27 % given.
Product: Credit card or prepaid card

Our Capitol One XXXX Credit Card bill is paid in full monthly. On XX/XX/XXXX the bill due was {$2600.00}. When paying the bill via ACH, inadvertently a XXXX was added, making the amount paid {$26000.00}. 
We contacted the credit card company to correct the error the following days ( XX/XX/XXXX ) and after four efforts including supervisors, the best they could offer was to authorize a paper check be mailed after XXXX days from due date ( XX/XX/XXXX ) and an additional XXXX business days for the check to arrive. This is wrong. The payment was made via ACH transfer and the $ XXXX should have been immediately returned to us via ACH transfer. Waiting a month for our money to be refunded is outrageous! We desire immediate refund of monies due along with the same interest and penalty fees that would have been imposed on us were the roles reversed. The bank 's process would be fine for {$200.00} but certainly NOT for $ XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave written consent to share my personal information with Equifax, XXXX  or XXXX. 


To whom it may concern, Under 15 U.S.Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subjection ( 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.
Product: Checking or savings account

My company was scammed resulting a loss of {$17000.00} due to Wells Fargo 's poor " new Vendor '' verification process. 

An email was sent to me from my supplier on XX/XX/2022 stating the change of bank and account number. The email also indicated the previous bank name and account number. The email also included a letter from XXXX XXXX  with a letter head. Based on that, I changed that bank account with my bank to reflect. 
Last week, I was notified by my supplier that I did not pay for the past three months. I showed them my bank transactions. They denied receiving the payments and denied sending the email requesting the bank account change. 
My bank, Wells Fargo, denied my claim saying that they did their verification. They obviously did not verify that the XXXX XXXX  account owner is not my supplier, XXXX XXXX. 
We checked with XXXX XXXX. They confirmed that this is not a business account nor that it's owned by XXXX XXXX. 
We filed a report with the XXXX XXXX XXXX XXXX XXXX in Florida, case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report and found an account from XXXX XXXX that is not mine. I do not use XXXX for any service and I never have. This account is fraudulent.
Product: Bank account or service

PNC Bank Shows I have the money in my account but they play games with the posting date. Then they charge you a overdraft fee this has happened 2 times to me. For a {$36.00} dollar charge 2 times.
Product: Mortgage

I am writing to dispute a late payment classification resulting from a failure in communication on the part of my prior loan servicer, NewRez | Shellpoint. My loan number with NewRez | Shellpoint was XXXX

On XXXX XXXX XXXX I was abruptly dismissed from my job. In the two weeks that followed, I contacted NewRez to see if there was any accommodation that could be made for my involuntary unemployment. At that time, I was told over the phone that I would be put in a forbearance program effective XX/XX/2021 for a period of three months. There would be no impact to my credit. If I needed further extension, it would be discussed at the end of the three-month period. At this same time, I was assigned a single point of contact ( SPOC ) whose name is XXXX XXXX. 
During this initial phone call, I inquired about any necessary paperwork and was told in no uncertain terms that there was nothing further they needed from me at that time. I subsequently received a letter in the mail from NewRez confirming the designation of my SPOC with contact information and indicating a review of my loan would be conducted ( see attached ).

I never received any communication from my SPOC or any representative from NewRez regarding forbearance or payments. Meanwhile, in early XXXX I received a letter indicating that my loan was transferred to XXXX XXXX XXXXXXXX ( see attached ). 
In early XXXX, I received a phone call from a representative from XXXX XXXX. The representative told me I missed the XXXX payment. When I explained that I was in a forbearance program, I was told there was no record of it. Subsequently, a late payment was recorded on my credit history.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$1800.00} XXXX OF XXXX **** XXXX {$380.00} XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX {$9800.00} XXXX  XXXX XXXX {$21000.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX XXXX {$1500.00} XXXX XXXX Balanced {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Im filing this report due to wells fargo again failing to acknowledge my evidence and stating only the reason of a secure login as reason for denial of my claim XXXX. This is not a sufficient reason to deny claim. In fact the info i provided is more then enough to rule in my favor as numerous ppl at wells fargo has stated that it should have been. Also for the 20th time iv not recieved a phone call from the investigator nor had anyone pulled the phone call from XX/XX/XXXX where the case was acknowledged as a dispute and said to he credited the next day. Wells fargo is intentionally doing all they can to attempt to close my case even going as far as changing actual cases filed telling me im not allowed to appeal and denying claims with no evidence to do so only repeating the same onfo over and over not providing any new update on my info which clearly shows it was impossible for me to make this transaction! If someone doesnt fix this issue im goibg to ve going to extreme lengths following this letter. The third document shows a order issue where you had said that there was never a case filed ending in XXXX however clearly that sats differently which means you have violated regulation by not crediting the amount because that case went 30 days and never credited to my account at 10 days. Iv filed many reports with still 0 explanation. You would be required to credit that amount still!
Product: Checking or savings account

My account with Wells Fargo has now been closed about two years. I had direct deposit from my employer biweekly and in many instances my deposit would reach the bank one day before my actual payday but the bank would pay items if there was not sufficient funds even if was less than XXXX XXXX XXXX} dollars but they still charged overdraft fees even though they had received my payroll deposit. Unfortunately they closed my account because I was sent bad checks by scammers that promised to pay me for online work/research that I had done. I was livid because I had that account for over 20 years!
Product: Credit card or prepaid card

Autopay was set up, the {$500.00} card is paid in full, not sure why late payments are showing on my account and it was closed. I would like these late payments to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  in NY and IM trying to relocate to XXXX and I had a mortgage broker pull my credit and there are somethings there that are not mine. I have been a victim of Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax inappropriately handled my personally identifiable information in a way that exposes me to long-term, potentially irreversible, harm. During XX/XX/XXXX Equifax became aware of an vulnerability in their systems that allowed sensitive information on consumers to be exposed to unauthorized individuals. In the time period following this discovery the company did not make the public, myself included, aware of the exposure. Equifax continued to withhold this information during the two months following the attack. 

In XX/XX/XXXX Equifax announced the incident publicly and provided a service to identify accounts that were impacted. On XX/XX/XXXX I used this system to identify if my information was included in the leaked accounts, where via this service I was informed that my information 'may ' have been included among the millions of records lost. 

Based on the information available it is my opinion that Equifax practiced gross negligence in adequately protecting my personal information vis-a-vi financial institutions. Although what is most deeply unsettling is that unlike financial institutions, my consent for Equifax 's possession of my information did not come from me directly. To clarify, I am aware in retrospect that I agreed to my personal information being accessed or reviewed by a credit bureau in the normal course of managing my personal finances i.e. lending applications, employment, etc. However, I was wholly unaware of the extent to which XXXX  and other credit bureaus maintained record of my personally identifiable information e.g. volume and type of data maintained, length of retention etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Product: Debt collection

I received a call at my employer on XX/XX/2021 in the afternoon from a person named XXXX from Orions Management. He stated I owed {$480.00} to XXXX XXXX. I told him I could not receive these types of calls at work. He asked me if I was refusing to pay my bills. I told him that this was not an appropriate call for work. He then stated he could call my HR department about this matter. I feel my rights were violated with that threat. I XXXX he will continue to harness me.
Product: Debt collection

Hunter Warfield is continuing to attempt to collect a debt 5 months after they were informed by the creditor that the account was paid and never in arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights XXXX  XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  L XXXX XXXX  XXXX XXXX  XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Payday loan, title loan, or personal loan

Dear CFPB, I am in desperate need of your assistance. We purchased on line two mattresses from XXXX XXXX. Right after delivery we had to put my Mom in a home so we wanted to return one of the mattresses. We left over 25 voice mails for XXXX XXXX. Not one return phone call. We contacted XXXX and they have been wonderful to us and very disturbed by the business practices between XXXX XXXX and American First Finance. The XXXX suggested we file a complaint with against the finance Company because they said there are no returns and XXXX XXXX told the XXXX we accept returns. It has been a complete nightmare and they have strung this out so we are past the 90 days. They have deceptive and corrupt business practices. They are collecting payments in two locations and we asked them to stop all payments until they help us rectify the situation.
Product: Vehicle loan or lease

i have been dealing with some financial set backs last couple months, losing work, missing more work due to catching XXXX  and fraud with my bank accounts declining payments i made causing my checks to come back and the bank paying off another automatic payment instead of the ones i authorized first to pay causing me to get behind on multiple bills. My car payment being one of them. I have been on time with my payments evne a year on furlough from XX/XX/XXXX til i returned back to work on XX/XX/XXXX, i still made an effort and never got behind on my payments until now. Good thing is i will be caught up middle of XXXX next month. A problem is now due to the declined payments ( even though i had enought money in my account to cover it ) this company has blocked any payments from me using a checking account, debit or credit card. I had my Bank even do a bill pay and send them the money so i 100 % gets to them, but my bank sent the payment to me instead. Now this company wont take my payment over the phone, and i been trying to pay it all month and last week. they said i broke my arrangements, and I have to go to XXXX XXXX to pay it. I tried paying XXXX XXXX with my credit card today but my credit company wouldnt allow it. last couple months i have been approved for refinace though other leasing companies that both of them have my intrest rate dropping more than 11 % with payments dropping $ XXXX {$65.00} less a month. Due to XXXX  and loss of work i just didnt think i should change things since i had been paying my car note and rent with my savings and early retirement i had taken out late XXXX to survive. i probably shouldve sent the car back then since i couldnt work and had no use for it. But, i dont want to mess my credit up since i worked hard to fix it and remain determined to get it up to a place i never had it before. I just want to make a payment today, or tomorrow. i also want to pay another monthly payment on the XXXX of this month.. that will be two months paid this month. After that i want to pay XXXX XXXX payment on the XXXX XXXX XXXX. But, will i be able to? will this company take a payment from me? I am begging them, just take my payments please.
Product: Vehicle loan or lease

Basically I call Toyota to ask them if I am qualify for move 2 upcoming payment to the end of the loan because I am going to vacation in XXXX, the representative that I spoke to said that I am qualified for that term to move my payment to the end so I agree to do that but somehow its wasnt done properly I show late payment so as soon I returned from my vacation I am trying to fixed the problem by calling Toyota and see what when wrong so Toyota found the receord call and will be able to move my 2 payment to the end of the loan.
Product: Debt collection

On the dates listed below, my representation submitted debt verification letters to Oportun/Progreso Finance . When Oportun/Progreso Finance attempts to verify the debt, they never submit proof with dates or amounts owed. They only submit a letter that falsely states there is proof in the same envelope, but there is always none. 

Per the Fair Debt Collection Practices Act ( FDCPA ), debt must be validated and verified within 30 days, this has not occurred and it is impacting my credit history negatively. 

Account Number listed on credit report : XXXX Name : XXXX XXXX XX/XX/XXXX XX/XX/XXXX -Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted