23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I had fraudulent activity on my checking account. I had to request stop payments to conserve cash to pay my rent. I opened a new checking account but the issues continued and it takes up to 90 days to get money back. 
BMW Financial Services would not take my bank account or debit because of the returned automated processing with changing accounts and the fraudulent activity. They did not provide an easy way to pay them and instead harrassed me and accused me of setting up payments and canceling them. They also charged late payments and reported negative credit. I am working with XXXX XXXX XXXX to draft a letter for the payments due to fraud activity but they are still refusing to acknowledge any issues of this kind which is UNFAIR and UNJUST!. I have always paid them timely. They did not provide me a way to pay online or over email. I had to call and listen to several include a supervisor say accuse me of delinquency rather than provide a way to pay. Of course, being upset, they would not provide the way to pay until just today XXXX/XXXX/2015 by XXXX XXXX after several months of advising of the situation. I had to make a choice, pay rent or pay car. I let them know I would pay as soon as I got the money for the fraud ( I do n't have it all back ) but today I am paying them in full vs having food etc. for the rest of the month. There should be policies in place if you have fraudulent activity that vendors will allow letters from bank to waive the fees and provide an easy way to pay versus harrassing their clients. I am sick with their poor services and chastasizing me. I do n't want to do business with them in the future.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I entered my information on Equifax and noticed that I was a part of the data breach that occurred in XXXX. 

Equifax committed these violations : 15 US C 6801 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 US C 6802 ( E 3a,3b ) XXXX XXXX  Apr Rate of XXXX XX/XX/XXXX Late payments for XXXX  XXXX which, resolved in collection with XXXX XXXX XXXXXX/XX/XXXX for {$730.00}
Product: Debt collection

On XX/XX/2021, in accordance of the law 15 U.S. Code 1692g - Validation of debts. I sent Best Egg a debt validation letter for an alleged debt. I also sent a cease and desist in accordance of the law 15 U.S. Code 1692c - Communication in connection with debt collection. Since that date I have received an adverse action against me according to 15 U.S. Code 1691 - Scope of prohibition. The debt was originally listed on my Consumer Report as a loan amount of {$25000.00} and on XX/XX/2021 it was updated by Best Egg to {$230000.00}. I have not received any communication by mail providing any validation information for this alleged debt.
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA 15 USC 1681 by your company. This has caused me financial injury and defamation of character. I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit, which is needed during this time in pandemic. This is not only affecting myself, but my children and family as well. Delete these inquiries and accounts immediately! 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I would like to reopen my bank account at PNC but they are refusing to take my account. I have many returns from XXXX that total {$5000.00} because PNC is not willing to take the cash returns because the things were purchased with that bank. 
I returned many items to XXXX but they are insisting they can not give me credit for the items I returned except on PNC Bank. 
My account was closed but I did receive a check for {$980.00} yesterday so obviously that right could be done but PNC is still refusing to reopen my account. It was closed without my approval for no reason. I had no suspicious activity which is the only legal reason to close an account against the customer. 
They never even physically saw me after I opened the account and had no legal basis to close it.
Product: Mortgage

3 issues : - 1 ( extra mortgage payment inappropriately applied to interest despite instructions ) is resolved - 1 not resolved ( {$60.00} late fee charged for no apparent reason ) - 1 not sure if resolved ( underpayment of homeowners insurance policy ) First, my husband and I made an extra mortgage payment. We were/are current on our payments and our mortgage does not allow for prepayment penalties. We sent in a check to Newrez with instructions to apply it to principal - " principal only '' was also written on the memo line. Newrez deposited the check, but applied part of it to interest. They have resolved this issue. However, it took a SIGNIFICANT amount of time on our part to complain and get them to fix it because it is so hard to reach customer service. 

Second, I'm trying to resolve an issue where they charged us a {$60.00} late fee that I believe was in error, as all of our payments have been timely- but have not been able to get ahold of a person. The recommended way to reach customer service is via a Contact Us form on their website, which they respond to via mail or via a " secure message '' that requires creating an account on another platform called XXXX. I'm currently on the phone trying to reach a person, but the number listed online is for Sales so they can't answer questions about existing accounts. 

Third, Newrez also underpaid our most recent homeowners insurance policy by {$20.00} even though there were sufficient funds in our escrow account, which I'm still trying to resolve, and Newrez has been unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been grossly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that it my right and regulated under Federal law!

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable
procedures were not taken to ensure the accuracy of the information given by CAPITAL ONE before furnishing it. This very clearly shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX to furnish any late payments to my consumer report. It is my undoubted belief that due to XXXX XXXX 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After i was notified of a credit score decrease, i disputed the report, explained the situation and provided the Trans Union and the XXXX all the necessary proves ( Bank Account statements ) that i have no payment due at the account which did the report, I submitted the documents in two forms, by post and by uploading on their page.

I waited one month for the investigations but in the reports it wasn't mentioned any of the facts i provided. So there was no result, it shows only that i don't miss a payment but they didn't correct my score. 
In XX/XX/XXXX my score was XXXX. After the XXXX XXXX XXXX made the report for delinquent account it went XXXX down. 
The XXXX XXXX, reported a delinquent account because they made an unauthorized payment in XXXX and XXXX, which brought my account negative. I had authorized an auto pay for XXXX, and in XXXX I was using a different bank to make payments. 
I dint have access at the account because i was overseas and didn't expect from them to make a payment.In XXXX i was Infected by Co-vid 19 and wasn't able even to think about it.After i found out, I asked them to cancel the payment because i had done it from a different account. So they did and canceled all the fees related to this, and the account went current.I contacted the bank, to send the Trans Union and other companies they had informed, a letter of deletion but they denied! So i submitted the bank statements to the Trans Union, Still they denied to correct the score even though they see that it was done mistakenly and the bank brought the account current it self by canceling the transaction. 
In the attachment, is the proof of the transactions done and cancelled by the XXXX XXXX XXXX, The payment rate is XXXX $ done at the XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. 
IQ data international via XXXX was disputed for ownership and was not properly investigated by XXXX, XXXX and Transunion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reported identity theft and demanded these items be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and knowingly kept this information from those affected
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for financing at XXXX XXXX XXXX XXXX  store in XXXX XXXX, Louisiana in XX/XX/2018. I completed my purchase by paying my down payment and picking up my items. I paid early from XX/XX/2018 through XX/XX/2018 and Conn 's has been reporting that I've paid of -2 % of the financed amount. They have no payment history for me available whatsoever. Though the report states " good standing, '' the fact that my good consumer behaviour is not being reported negates that. Customer service is not aware of how to fix my issue.
Product: Money transfer, virtual currency, or money service

I processed a payment through XXXX, transferring {$450.00} from my account to another for purchase of event tickets on XXXX. The transaction was not processed, I received an alert that stated " Your payment requires additional review '' and immediately called my bank. I asked if it was possible to cancel the transaction as I was starting to get a bad feeling about the seller. The representative told me that the transaction was not processed and had actually been cancelled as it required approval from me. 

The following day, the money was gone. I called the bank and inquired and they told me I was out of luck. That they do not investigate and that the money would have to be recovered by XXXX, but XXXX told me to talk to my bank.
Product: Money transfer, virtual currency, or money service

I am participating in the Homeowner Assistance Funds ( HAF ) program, and my servicer Select Portfolio Servicing, Inc. ( SPS ), is a participating servicer. 

A grant awarded to me was disbursed to SPS on XXXX XXXX, 2023, for more than the current amount due. 
I got a letter from my service provider ( SPS ) yesterday, XXXX-2023 stating, " ... the funds of {$11000.00} will not be applied to your account because this is less than the amount we previously advised was necessary to stop the foreclosure action. As a result, your account is still in foreclosure. '' However, my current mortgage statement date : XXXX-2023 states the amount due is {$10000.00}. 

Furthermore, SPS mentioned in the " held funds '' letter, " If you send us {$11000.00} by XXXX/XXXX/2023, we will credit the payment to your account and stop the foreclosure. '' I am baffled!
Product: Debt collection

XX/XX/XXXX I XXXX XXXX XXXX, in XX/XX/XXXX obtain a PAY DAY LOAN from XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL. XXXX ) due to hardship, I was unable to pay the loan I spoke with XXXX XXXX   several times, thet told me at that time to enroll or take a Financial Program and when I was finished with the classes to call them to let them know I completed the class. I completed the program and called them, at that time they did not ask for any re-payment. I took that this program waived the payment in some way. I did not receive any calls and I had the number they had for a while and I did not receive any mail. This month when looking at XXXX XXXX   on XXXX, I saw me in Collections for {$550.00}, I called XXXX  and was informed on XXXX, PLAZA SERVICES, had reported me. I never held of them and did not receive any mail from them, I would have received mail if it was sent to the address XXXX XXXX XXXX XXXX. I spoke with them as in my letter and they said I can not have a copy of what was sent to me. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX XXXX 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 602 A section 2 ; it also states consumers reporting agency can not furnish a account without my written instructions
Product: Debt collection

This debt was under legal dispute and did not meet criteria for the fair collection practices act. There was a settlement agreement in which debt is to be reported as paid in full
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

This is a XXXX dispute and they owe me {$3000.00} that I finally gave up on collecting and switched carriers, this all happened during them trying to migrate me from XXXX to XXXX. It took a year for them to do that then they mis billed me several times and by the time my accountant caught up to it it was to late and I fought XXXX XXXX many times aboiut this. I will not pay this so please remove me to be collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is stating paid in full for less. I have a letter dated XX/XX/15 which says the entire debt was forgiven. This company has continuously reporting incorrect information. I want all trade lines deleted because they are in violation of FCRA.
Product: Checking or savings account

Hi, I would like to submit a complaint about Wells Fargo deceptive overdraft fee policies, and not receiving accurate, or any, compensation.
Product: Mortgage

We were offered COvid program to delay payments by XXXX XXXX. We agreed to take part. XXXX XXXX however sold our mortgage to Fay Servicing near the end of the program. We were told by XXXX XXXX that all delayed payments would be added to the end of the loan. Fay Servicing told us they needed the whole amount delayed paid now. App {$10000.00}. This was not what we agreed to by XXXX XXXX. We were told by XXXX XXXX All agreed to conditions would be honored by Fay Servicing. Instead Fay Servicing has started foreclosure until we pay the entire COvid amount. We would not have agreed to this program if that was the case.
Product: Credit card

Yesterday XXXX/XXXX/XX/XX/2015 I applied for a Credit Card via an offer from Discover Card through Credit Karma. When I submitted my information I was then told I do not qualify for the Discover Card I applied for and a XXXX card offer was made. This XXXX offer of lower interest ( BASED ON MY CREDIT SCORE ) was used a BAIT to get me to fill out the paperwork. Once I completed the paperwork another page popped up asking me to send copies of personal data such as SSN and or Current bills. I was not comfortable providing this information largely since the app did not work and all other credit cards I have can provide approval in XXXX seconds based on information contained in my XXXX XXXX. I called Discover Card and asked them if they were the actual Credit Card or was this scam, the whole thing was a bit fishy. I learned the Discover Card had no idea that they are soliciting new customers using bait and switch tactics on Credit Karma " indicating they do not communicate internally ''. I demanded that this process be cancelled and my credit hit be removed to protect my score. Today I get an email indicating the account was still being processed against my will. I called and spoke to XXXX Senior Agent in Delaware at phone number XXXX regarding application XXXX. I also demanded that she terminate the application and remove the credit hit sine this whole process was unfair and dirty BAIT AND SWITCH tactics. I told her I do not need the card with HIGHER INTEREST and I will not tolerate this treatment.
Product: Debt collection

I am writing to dispute and request the removal of a fraudulent account that continues to persist on my credit report with your bureau, even though other credit bureaus have not reported the account. 
Account Information : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Despite my efforts to rectify this issue, the fraudulent account remains on my credit report with your bureau. I have obtained credit reports from multiple bureaus, and it has come to my attention that this fraudulent account is not being reported by other credit bureaus. The inconsistency among the reports raises concerns about the accuracy of my credit information with your bureau.
Product: Student loan

My loan was in default and my wages have been garnished for totaling per month XXXX for the last 32 months. I have repeatedly contact my my student loan servicer, Collecto, EOS CCA who only want to offer me a total pay off. They are not even able to provide me with a total balance.
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 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 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 crimes 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 or other personal consumer reports

I am writing to formally request the removal of fraudulent information from my credit report under 15 U.S.C. 1681c-2, commonly known as Section 605B of the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft, I am exercising my right to have fraudulent information blocked from my credit report within four ( 4 ) business days, as required by this provision of the FCRA. 



The following entries on my credit report are fraudulent and must be removed : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name : XXXX XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized.