23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

From XXXX to XXXX of XXXX  I reached to XXXX in hopes to acquire a rental office for XXXX of XXXX. 

Paper work all done I noticed the wrong duration was on the contract. It stated 2 years instead of 4-5 months. Now I ran the numbers and sure enough I could not pay upwards of XXXX XXXX dollars. 

Second to last week of XXXX this year I called and called, spoke with multiple representatives and emailed support network who said contract durations could not be changed, good luck. They stated that because their entire system is digital little to few WOULD know how to do that. 

Finally I reached a Manager named XXXX who I explained that I didn't want to terminate service, only adjust the duration from 2 years to 5 months or half a year. She explained that such a change IS possible and would reach out to me in a week 's time. 

That didn't happen. Not only did she provide me a bogus office number. Very few departments within XXXX had ever heard of a woman named XXXX as stated by representative XXXX. 

I managed to find her email and wrote as it had been over a week with no word. Her email was brief, telling me there's nothing she can do, her boss said so. I said okay and asked to put me in touch with said boss to which she replied that was not possible. 

Seemed like XXXX didn't want to help me in the slightest and I wasn't going to use a service I didn't want for 2 years. Sure enough I informed XXXX that this contract is in error and outside my means and budget. They stated the terms were locked and to proceed with making payments. 

If any real assistance would take place it would be after the collection letter arrived. 

So now I can complain formally and go from there.
Product: Mortgage

I recently got behind on my mortgage by two months. I've been trying since then to catch up on my mortgage payment. Carrington mortgage will not give me any information to catch my account up to current standing. They are starting to send me lawyer paperwork which they did three years ago, cost me extra $ XXXX. They keep trying to take my home! I need the balance to bring my account current which they will not provide! I have and can pay immediately. Help! Please, Thanks!
Product: Credit card or prepaid card

I made a purchase on Walmart website for XXXX product sometimes in XX/XX/2023 after I got the product and refund the next day in XXXX. I filed the disputed around XX/XX/2023 and got email from Walmart and XXXX for refund since XX/XX/2023. 

I got the charged post back to my account in XX/XX/2023. I reached to XXXX XXXX Walmart. They have already told me that they have refunded the payment to credit card company. I need Paypal to refund and issue the refund.
Product: Checking or savings account

We are a small company, with an account at Bank of America. Deposits and transfers are regularly transacted via this account. This week on XX/XX/XXXX we had a very disturbing incident. We deposited a check for {$45000.00} from one of our customers, at the Bank of America branch at XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, AZ. Almost immediately within the same day, we received an email from Bank of America saying : " Hold notice : We've placed a hold on one or more checks to help verify funds. Review the availability information and hold reason for details. 

Details XX/XX/XXXX at XXXX XXXX XXXX XXXX {$45000.00} We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned. '' They have placed this check on hold for 7 days! This customer is a very reputable hospital and we have no reason to believe this check will need to be returned. We went back to the branch and requested an explanation. None was provided. We also called and emailed our account contact in Bank of America ( he's an Assistant Vice President, Small Business Banker ) to provide a reason for the hold. Our account is in good standing, and I also let him know this can potentially affect our payroll. 

Yesterday, XX/XX/XXXX, he called me and let me know he and his colleagues have looked into it and can't see an real explanation, but that he'll check again. 

Today, XX/XX/XXXX, he emailed to say he's not been provided any real update for the hold. I emailed him back and let him know that : - We should know exactly what the reason is so that we know not to do it again. If I don't know the reason I might get funds held again. 
- If there's actually no reason for holding the funds, then it shouldn't be held. 
- Neither he nor any of his associates know the reason for the hold, and I haven't received any email explanation from BofA for the funds hold, so I can safely assume there's no reason. 

I'm afraid the bank is holding funds for their interest-earning purposes, and this is highly unethical. This can affect many things for a small company, including payroll, payments to suppliers and other expenses. If a bank deviates from regular practise and suddenly holds a deposit, they should at least inform the account holder of the actual reason for a hold and the actual reason for the length of the hold. I find it highly suspicious that they know exactly how long it will take them to determine the check is actually safe and sound, that is, exactly 7 days of interest earned for Bank of America. Hold checks at random here and there from various accounts, and what nice interest that would earn. It would be interesting to know if this amount of {$45000.00} was actually cashed ( ie. deducted from our customer 's account ), as of XX/XX/XXXX, and where exactly it went before it hit our account 7 days later on XX/XX/XXXX.
Product: Mortgage

I work for the settlement agent. We were provided a payoff quote from Carrington Mortgage Services good through XX/XX/XXXX. A wire was initiated on XX/XX/XXXX during closing for the exact amount due to Carrington as expressed on the payoff quote, thereby paying it off XXXX days prior to the expiration of the quote. The wire was rejected and sent back on XX/XX/XXXX. When we called Carrington, they refused to speak to us about the issue. We provided them authorization from the mortgagor to speak with them on their behalf through email and fax multiple times. They insist they do not have the authorization and refuse to speak with us. Meanwhile, the interest on the loan continues to accrue. We have wasted {$25.00} sending this wire and several hours speaking with representatives from Carrington. At this point, the difference in interest due is going to fall on the settlement company.
Product: Debt collection

This creditor says I owe them {$1200.00}. The original debt was {$2300.00}. I have paid {$1400.00} since XXXX. My balance should only be {$920.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 )
Product: Mortgage

PHH Mort gage was included in my Chapter  XXXX  Bankruptcy which was discharged   XX/XX/XXXX ..  In   XXXX   XXXX     that mortgage company decided to do a NEW update of the  DLA date  and put a new charge off update. BY LAW THEY ARE NOT TO CONTINUE TO DAMAGE CREDIT AFTER A  DISCHARGED B ANKRUPTCY ... Why after 6 years would they randomly do an update? But it has caused me to lose my financing and earnest money on a property which I WILL hire an attorney to go after them if they do not fix this issue!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This is ridiculous and against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX, Transunion and XXXX  back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.
Product: Credit card

Was offered a credit card from my current bank, PNC, XX/XX/XXXX. The offer was 0 % interest until XX/XX/XXXX and 0 % on balance transfers as well. Then an APR would apply after that date. I applied for the card and was approved ; talked to someone on the phone during this process and they confirmed the terms of the card. I transferred a rather large balance ( which I paid a fee for ), then used the card for some purchases. And now they are charging me interest on the those purchases!! I called PNC and they insist they did not send me an offer to what I described - which I know for a fact they did. I have XXXX banking accounts with PNC and have been a customer for 30 years, before they were even PNC Bank. I absolutely would not have opened this card - the card I was using before I opened this one had a lower rate than what they are now charging me. The ONLY reason I did it was because of the 0 % on purchases. VERY unhappy with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruadlent Accounts and inquiries appearing on credit report. 

Accounts XXXX. XXXX XXXX {$920.00} XXXX. XXXX XXXX {$640.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Per 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

These debt collectors are continually calling me, sending me documents in the mail for a debt. They are under the false impression that I have contracted with them for a debt that was discharged by another company. They purchased an old discharged debt and are sending me threatening phone calls and conducting Mail Fraud through the USPS for an invalid debt. They have no contract with me for any debt or credit and have not provided such proof when asked.

Per IRS rules any debt that is discharged is considered income and that is not reportable. These Debt buying companies have purchased these old discharge accounts and are trying to collect on a debt that is no longer valid. 

They are calling me daily multiple times a day and will not stop even after I have told them to not call me anymore, or communicate with me for a debt that is not mine. 

I submitted previous multiple requests for investigation and the Credit Reporting Agencies failed to conduct a proper legal investigation and simply reviewed information from XXXX and other agencies and did not properly investigate. They put false information on my credit report, not providing the required documentation of proof that there was a legal contract with actual wet signatures from BOTH parties to the contract for these debt collectors. There NEVER will be since I never signed any contracts with them, they are debt buyers.
Product: Credit card

I have had a credit card reporting with discover, however i have never used it or had access to it. It is on my credit report. I would like to open a credit card with discover but everytime i apply it tells me I'm denied because of the history that i have with you guys. My card is reporting positive, we did not have a bad relationship, so I'm confused as to why I'm not able to bank with you. Can you please help or give me an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX {$310.00}
Product: Credit reporting or other personal consumer reports

XXXX sales manager asked me to verbally give my complete SS # to a someone ( XXXX employee, he said ) in the middle of the crowded store!!!! He said I had to do it so he could verify I was the person who unfroze my credit with Trans-Union . I offered to give my last 4 of SS # in addition to other identifying info ( full name, complete address, full date of birth ). He told me to just step outside and tell the other person on the XXXX XXXX XXXX my complete SS #. I called transunion to see if this is standard practice ; I was told no. 
XXXX in XXXX at the XXXX WA store is the person who told me this. He said I can leave when I said I was not comfortable with that and that Transunion agreed that was not needed.
Product: Checking or savings account

I had an account with XXXX XXXX that was supposed to be ineligible for overdrafts. When the first stimulus checks were sent out they closed my account because it had been overdrawn without my knowledge. I contacted them and was given the run around multiple times. Finally received a call saying they could not reopen my account and that I owed them money. I then opened a bank account at Bank of America and the same thing happened. They were second chance accounts which I understood could not be overdrawn for any reason but yet both of them allowed the transactions to process and then closed my account and refused to help me fix the problem. I still receive notices from Bank of America that are account statements even though I am unable to access the account information whatsoever. Now I am unable to open an account anywhere because of their reports of irresponsible use.
Product: Credit reporting or other personal consumer reports

I did not under 15 USC 1681 provide them with consent to obtain or furnish my information. This company has refused to remove the remark and even placed on my report that I disagree with it however they are breaking the law under 15 USC 1681 this report needs to be removed from my credit report
Product: Checking or savings account

Navy Federal Credit Union has closed my checking/savings accounts due to suspicious activity on the account when it was opened. I was a victim of an " Advance-fee scam. '' A type of scam where the fraudsters call up the victim promising them money, they send you a partial stating, '' you must return the money sent to your account back to them via XXXX XXXX or XXXX. '' I thought the deal was legal until I was scammed and taken for almost {$1200.00} dollars. I was scammed and because of it I do not have a membership with the Credit Union disallowing me to have Checking/savings accounts, credit cards, or home or vehicle loans. I am willing to do legally whatever it takes to have my name back in the good graces of the credit union, to be considered for accounts and loan products again.
Product: Credit reporting or other personal consumer reports

Hard inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections/Derogatory Marks : XX/XX/XXXX, XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ), XXXX XXXX XXXX ( Auto ), XXXX XXXX, and XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section 
States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.

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

Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, XXXX and Transunion, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, XXXX and Transunion is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, On numerous occasions I have sent letter 1 and Letter 2 to LEXISNEXIS, asking them to disclose their method of verification on the alleged bankruptcies you are reporting. You then replied to me with enclosed letter claiming that the bankruptcy was verified by LexisNexisXXXX XXXX XXXX Appalled by that information, I went directly to LexisNexisXXXX XXXX response to my inquiry they claim to never have verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. I am aware, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. I have enclosed their letters and mine, verifying the attempts to reach out to LexisNexis and no response. Please DELETE these items from my credit reports as it is NOT verified! Please send me an updated copy of my credit report once the bankruptcies has been DELETED.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Unauthorized Access and Potential FERPA Violation Affecting Student Loan Accounts Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning recent reports of unauthorized access to sensitive student loan data by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which may have resulted in the improper deletion of student loan accounts. 



As a student loan borrower, I am deeply troubled by allegations that DOGE accessed personal information, including Social Security numbers and income data, without proper consent, potentially violating the Family Educational Rights and Privacy Act ( XXXX ). 



This unauthorized access raises significant concerns about the accuracy and integrity of my credit report, especially regarding the status of my student loan accounts. I request that the CFPB investigate this matter thoroughly to ensure that : XXXX. All unauthorized access to student loan data is identified and addressed. 

XXXX. Any inaccuracies or unauthorized deletions in my credit report resulting from this incident are corrected promptly. 

XXXX. Measures are implemented to prevent such breaches in the future, safeguarding borrowers personal and financial information. 



I trust that the CFPB will act swiftly to protect consumers like myself from unauthorized actions that compromise our financial security. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my personal data to be breached due to their own negligence regarding security.
Product: Payday loan, title loan, personal loan, or advance loan

I emailed the company to get information about an insurance provided in case of not able to pay the loan on a due date. I never received a reply so I tried calling them numerous times but no one answered except for an automated message. Never received response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the cares act, government mandated that all school loans be put on deferment. This was done without my approval. When doing so account was reported as such which DIRECTLY caused my credit to dump over 60 points with XXXX  and over 20 points with Equifax. I was unable to get a reading from XXXX. I have contacted XXXX XXXX after spending two entire days they finally took my account off deferment and reported such. However, I never could get through to XXXX to repair the credit issue. I was on hold for 3 hours 48 minutes and 36 seconds with this company. I also disputed online however was unable to get into the account after registering through their system. When I tried to contact them I was disconnected three times. All of this is documented on my phone and I have screen shots that prove the decline of credit due to the educational loan deferment. There is no denying by XXXX  or Equifax that the credit decline was due to the report. I have PAID ONE YEAR IN ADVANCE ON THIS LOAN. I have auto payments and ALWAYS pay on time. This is clearly noted yet they decided to dump my credit by 60 and 20 points. My complaint is with the Government and these reporting companies. How can the government mandate such and then CAUSE harm to citizens? I would like this fixed. This has also harmed my chances of getting an EIDL as I am XXXX XXXX and have been under extreme hardship due to COVID. This is so unjust and unethical. I believe that this is in violation of the Fair Credit Reporting Act.