23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was notified of the lingering debt for XXXX dollars after trying to receive help 4 months on end from Speedy Cash. Since then my English has gotten better but at the time hardly understood the directions and making the payment and why the payment continue to adjust an order for me barely not to be able to afford it why they stepped on unbelievable he's on top of each other. Several times I my vet reached out for help hanging directions on how to properly play an explanation of the fees. I never once got any sort of bilingual assistance. The den tone is significantly different from the amount borrowed and they have yet to furnish proof for that amount. From what I read in the library this violates the Fair Credit Reporting Act and Fair Credit Lending Act since this would be considered a fraudulent loan through to the violations of the bank Promises of everything fine. I had no problem selling me alone in XXXX but servicing alone and making sure I was okay it was a different story. The account should be eliminated from my credit because of the Fair Credit lending violations so that my family and I can live the American dream. From what I have read this Shady collection agency attempts to collect more than 900 over the original debt and we'll practice any short of abuse in order to get me to pay what I do not owe
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-21 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!!

Under, 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 INSTRUCTION if the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I am requesting full validation : ( XXXX ) I need the whole XXXX XXXX of the balance they are charging me for the debt. 
( XXXX ) The agreement that grants them the authority to collect the alleged debt. 
( XXXX ) Master bill of sale. 
( XXXX ) License for Arizona.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of identity theft, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. here are the list of items that needs to delete in my file ASAP : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

They just keep calling me every day over and over about a website that I dont have. Its been months and months they will not stop calling me. 
They call from various numbers in Colorado. Today was XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

Capital One has reported my non public personal information in violation of the FCRA Account XXXX XXXX As documented on the Federal Trade Commissions website, Per the FCRA 15 USC 1681 B ( Page XXXX ) XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Capital One does not have my written consent 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

nonpublic personal information ( XXXX ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer
Product: Credit card

It was a credit card opened in my name but not my social security number and a different address
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate XXXX  information that has been reported on my Experian credit file. I previously submitted a dispute requesting the removal of this incorrect XXXX  entry, but Experian has failed to correct or remove the inaccurate information despite clear evidence proving that the bankruptcy does not belong to me. 

Upon reviewing my records, I discovered that Experian erroneously associated an incorrect address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) with my filean address where I have never lived. Additionally, I received letters directly from the XXXX XXXX  XXXX, which confirm that : The XXXX case in XXXX was filed in error, and the court has agreed to update the records to reflect this. 
The court has no record of any XXXX  filing associated with my personal information in their system. 
I have attached copies of : The letter from the XXXX XXXX  XXXX confirming the error. 
The letter from Experian requesting an address update from the court regarding an address I have never lived at. 
Any additional supporting documentation relevant to this dispute. 
Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and remove inaccurate or unverifiable information from my credit file. Given that the bankruptcy information is incorrect and not associated with me, I demand its immediate removal from my credit report. 

Failure to comply with this request may result in further action through the Consumer Financial Protection Bureau ( CFPB ) or legal counsel to enforce my rights under federal law. Please provide written confirmation once the inaccurate information has been removed. 

I appreciate your prompt attention to this matter and expect a resolution within the legally mandated 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within XXXX
Product: Mortgage

My last company had me on a plan to pay escrow shortage over XXXX  months. The statement I have attached to show I was supposed to start making payments on this plan as of XX/XX/year>. New company, SPS, does not honor this plan and wants me to pay over {$1200.00} more a month that I can not afford. They should honor the plan of the previous mortgage company.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : - Creditor/Company Name : XXXX - Account Number : XXXX - Inaccurate Information : - The XXXX report XXXX the account as having " 0 months ( terms ), '' which is inconsistent with XXXX and Experian, which correctly report " 120 months ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- Experian includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in XXXX or XXXX reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in XXXX, whereas XXXX and Experian correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by XXXX, while XXXX and Experian accurately list it as " XX/XX/year>. '' - Experian includes comments regarding a " XXXX XXXX '' while this field is blank for both XXXX and XXXX.
Product: Checking or savings account

The crux of my problem is that I mailed my social security number to an address purporting to be Citibank before I realized that I had no account with Citibank. I have tried and totally failed to obtain a response from Citibank as to whether they incorrectly asked for the number or I have sent it to a fraudster. Ive frozen my credit and am about to request a special PIN from the IRS so that no one can attempt to file a return and get a refund for my account. Since Citibank doesnt respond, I must believe a fraud has been committed in their name upon me. 

Im XXXX years old and was gullible because I have an account with XX/XX/XXXX which I have frequently confused with Citibank. I received a 9x12 envelope in early XXXX with an appropriate cover letter, W-9 with instructions, and even a W-8BEN for foreign owners. It briefly crossed my mind that they should have my SSN if I had an account, but I was in a hurry and sent the W-9 off in the enclosed envelope and tossed the rest. About a week later my son called me as asked if we had a co-tenancy account with Citibank because he received the same paperwork ( although I dont know if the referenced account numbers were the same ). Thats when I realized I made a mistake. 

I called what was supposed to be Citibank fraud department, spoke to 3 different individuals, none of whom were able to grasp the issue. I called the police department and was told that, since I hadnt lost any money, they couldnt help, and referred me to the post office. The post office told me that the address on the return envelope ( sent to my son ) was not a Citibank PO Box and eventually got back to me saying that mail from that box was being forwarded to a Citibank address in XXXX XXXX ; they wouldnt tell me that address so I was not able to confirm whether it was valid. 

On XX/XX/XXXX, I wrote to a Citibank address ; the letter is attached and the addresses are underlined. I received no response unless the enclosed cover letter from Citibank of XXXX XXXX was supposed to be a response. Note that they again ask for my social security number and the 9x12 envelope contained all the same forms as the original request. On XX/XX/XXXX, I followed up with a letter to 4 different Citibank addresses, enclosing my original letter and the new Citibank letter. No response has been received. 

I want to know if someone has fraudulently stolen my social security number or if Citibank has simply bumbled and my information is safe. Anything you can do to help would be greatly appreciated.
Product: Credit card or prepaid card

The credit card opening terms promised a % XXXX interest rate on purchases good for 9 months. Although the statement itself does state so our purchase is showing as due in full. 

We had spoken via phone to the company and they had promised to reach out to us with a resolution. However, we had never heard back from them as promised.
Product: Bank account or service

i opened an account with santander bank in XXXX, nj on XXXX XXXX, 2016 with a promotional bonus of XXXX dollars within 30 days after having my account open for 90 days and meeting XXXX in direct deposits. I have met all these requirments and we are on day XXXX and i still have not recieved my credit. I have emailed the cs of santander with a ref of XXXX and still have yet to receive a response. I have also called account services and was given a ref num of XXXX on XXXX XXXX, 2016 and my credit has not been issued. When i opened my account on XXXX XXXX i brought with me a coupon which i had emailed and gave to the women who opened my account. I get direct deposit from my employer every 2 weeks and have met the XXXX total a long time ago. I dont feel i should have to fight for money which was promised and is still being promoted on their site as of today
Product: Credit card or prepaid card

I received an email XX/XX/2021 from AppleXXXXGoldman Sachs that my account was closed because of a There was a failure to comply with the terms of the Customer Agreement when I called them they referred me back to the vague letter. They escalated the complaint and assured someone would get back to me as of today one week later nobody has gotten back to me. I have called 4 times since then and spoken to all sorts of supervisors who have told me they dont know and nobody knows the reason my account was closed. But I should refer back to the letter Apple sent. Another supervisor responded that Apple can cancel anytime they want for no reason. Thats seems incorrect as the terms and agreements state Apple can close any account for any reason under applicable law. Nobody is able to tell me what law that is. I have been on the phone for hours with them and nobody seems to want to or care to help. This hurts my credit and seems very unfair. 
As it is an Apple Card and it is closed I dont have access to the number on the card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : TD AUTO FINANCE Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Product: Debt collection

On XX/XX/17 Alpine Credit charged my credit card for {$1800.00} confirmation number XXXX. Speaking to XXXX, the authorization to charge the card was based upon their agreement to make an exception to their standard policy and delete the record based upon my address changes that my non-receipt of any prior notices. 

On XX/XX/17 I sent a letter demanding proof that they were authorized and/or contracted to collect the alleged debt and for documentation. No response received. 

I have made two additional calls to Alpine and asked on the status for the deletion, and was told that they do not do that. I advised them of the conversation with XXXX on XX/XX/17 and was told that there was nothing they would do. 

I did not authorize my card to be charged without the aforementioned deletion and would under no circumstances have provided that information to them. 

Furthermore I believe they have multiple FCRA violations on every contact with them, they have never identified that they are a debt collector and that any information they collect may be used. Per the FCRA.
Product: Mortgage

Update : I contacted customer service and got no response. It has been over 3 weeks. I then called the mortgage company and was told that customer service should follow up with me, within a day... it's been over a week and no response. 

Everything was going smoothly, until a significant amount of their staff, including our underwriter, was laid off a matter of days before our closing. Our loan was given to a new underwriter, we were given completely new conditions, many verifying the same information from the previous underwriter, in a different way. We went from being told everything looked good to close, to needing a rate lock extension, that the company refused to pay for, despite the situation. ( With our previous lender, they automatically extended our rate, when the company was behind. ) Furthermore, our loan agent told us she wasn't sure if we could do a rate lock extension, and that our situation " is what it is. '' Neither she nor her manager were available the entire day of the rate lock expiration, until less than XXXX minutes before the rate was set to expire. The loan agent kept saying she'd call back, but then didn't, until XXXX minutes prior to rate lock expiring. I emailed the supervisor the day before with concerns about the rate expiring, with no response. 
While many advised that we go with a different company, interest rates had significantly increased, and so we stuck it out with this company, to save a significant amount of money. 
While the regional manager and the company vp took care of the situation moving forward, as far as making sure everything was done in a timely manner to close within the rate lock extension, the company never took ownership of paying for the rate lock, nor apologized for the situation they put us in, or the way it was handled. 
They also told me if this rate lock expired, they couldn't renew. 
When I pointed out that they had all of our documents submitted the month prior, and that if they had needed any follow up, they should have requested those documents weeks ago, not on day XXXX of a loan, their response was that it would have been nice if the first underwriter had done that. 
Anyway, it was an awful experience and I can't believe how poorly the company handled it! 
While hard or unexpected situations might arise for any company, such as many lay offs, the way they treated us in this situation, which they were entirely responsible for, was horrible. 
Furthermore, given their affiliation with XXXX, we had high expectations! 
I would never recommend this company to a friend or wish our situation upon anyone. 

I can provide any texts, emails etc, showing when docs were provided, when tjey were submitted, etc.
Product: Mortgage

In 2013 the XXXX of XXXX airport, XXXX, seized my mobile home park and all the houses in it. XXXX relocated the residents under eminent domain. I still owed $ XXXX on my mobile home. XXXX settled that account with the mortgage holder, GreenTree ( now DITECH ). I had nothing to do with that transaction. I continued to make my payments to GreenTree on time during the transition from XXXX address to another. I now learn that DITECH is making " derogatory '' reports at XXXX and XXXX, stating that the account has been settled for less than the agreed upon sum. That sum had nothing to do with me ; this is between GreenTree and XXXX, the entity with who they made the agreement. As a displaced person I had no say and no choice in any part of the payoff process. I want that negative mark removed from my credit reports, or some addendum to eliminate any suggestion that I changed course while under contract with GreenTree/DITECH.
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. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 writing to express my concerns and dissatisfaction regarding the recent issues I have encountered with the XXXX ( Saving on a Valuable Education ) plan. 

I applied for loan forgiveness before the Supreme Court 's decision, and I made the decision to switch from the Income-Based Repayment ( IBR ) XXXX to the XXXX plan. However, I am now being penalized for this switch, despite being on the XXXX plan for XXXX  years. It seems that my years of responsible repayment under the XXXX plan are not being recognized, and I am effectively being asked to start over in terms of my progress toward loan forgiveness. 

It is disheartening to see that some individuals have received funds to pay off their loans, while I, who submitted my application in a timely manner, am now facing setbacks due to this change. I believed that transitioning to the XXXX plan, part of XXXX XXXX initiative, would be beneficial, but instead, it has resulted in an unexpected and unfair consequence. 

I would like to request that my previous XXXX  years of payments under the XXXX plan be honored and that I receive the same consideration as those who have had their loans forgiven. I respectfully ask for a review of my case and a prompt resolution to this issue. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXXXXXX XXXX acount # XXXX opened on XX/XX/2021 reporting a balance of {$26000.00} This inaccurate inconsistent fraudulent account is reporting to experian XXXX and XXXX and is negatively affecting me to obtain a new car loan.according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I have disputed this account with all 3 credit reporting agency 's and they are reporting incorrect inconsistent incomplete fraudulent information and is violating my federally protected rights under 15u.s.c1681c-2 i demand within 4 business days to block/delete this account.I have filed an FTC report # XXXX as proof I did not open this account.