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

Please review creditrepair.com, a company misleading consumers to believe that factual information can be removed from credit reports. From their website " CreditRepair.com can show you exactly whats hurting your score & how you can work to fix it ''. You can not " work to fix '' missed payments. This is a lie.
Product: Mortgage

In XXXX of 2016, Nationstar changed my monthly mortgage amount. Because I was traveling, my bank recurring payment was sent out in the usual amount which was about {$170.00} short of the new amount. Nationstar proceeded to credit my XXXX payment to principal rather than my monthly payment. They recorded my payment as never made for that month. As soon as I realized the error, I called Nationstar Customer Support. I followed up numerous time in XXXX, XXXX and XXXX of 2016 to rectify the situation. Each time I was assured that it was their error in applying it to principal and that they were processing the paperwork to fix it. They then gave me the amount that I needed to pay to resolve everything : {$3600.00} and that was paid on XX/XX/16. Since then, I have called many times, and the payment that they misapplied to principal has never been rectified. Support Reps admit that it was their error and promise the resolve it, but they never do. Because of this error in applying it to principal, they have now charged me over {$1000.00} in late fees. In recent months, I have asked to speak with Managers ; they assure me that they will call me back the next day with a resolution, they never call back. They give me their phone numbers and names to call ( XXXX XXXX ) and no one picks up. It has now been almost a year since the problem began and I have no resolution despite every person I speak to admitting that it was a Nationstar error. I have bank records to show that I have NEVER missed a mortgage payment in more than 10 years. In researching this online, I have found that Nationstar has MANY complaints in various states from other consumers like me where they misapply payments, then put the customer 's home into foreclosure. I have tried for almost a year to resolve this with them to no avail. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX a debt validation letter on XXXX XX/XX/2018 and they still have not responded or taken this account that off of my credit report.
Product: Credit reporting or other personal consumer reports

SENT IN A LETTER VIA PRIORITY MAIL IN ATTEMPT TO REMOVE INQUIRIES THAT RESULT IN THE FORM OF IDENTITY THEFT. THE COMPANIES HAVE FAILED TO RESPOND OR ACKNOWLEDGE MY LETTER AND MY PHONE CALLS TO GET HELP REMOVING THESE INQUIRIES THAT ARE CAUSING ME DENIALS. THIS IS A VIOLATION OF MY RIGHTS PER FCRA. IF THESE ARE NOT REMOVED IN 30 DAYS I WILL PROCEED WITH ARBITRATION AND EXPECT TO BE COMPENSATED
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other ITEMS that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1500.00}.
Product: Checking or savings account

I have been charged Returned item fee twice for one transaction.The total amount was $ XXXXTge date of the transaction was on XXXX.Beside that I have been seperately charged Returned item fee again for a transaction I am not aware of with amount of XXXX $ On XX/XX/2021.
Product: Debt collection

Requested validation of a claim that I owe them, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them I have not received any proof that I'm obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. This item has been re-inserted into my credit file. They were also required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery Associates for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore Portfolio Recovery Associates can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed and cease contact.
Product: Bank account or service

Someone paid for their Regional Acceptance Telpayment bill ( autofinance ) by making a fraudulent authorized withdrawal from my checking account at New York Community Bank. This was done on XXXX XXXX, 2015 in the amount of {$330.00}. There were other payments paid the same way by a different person for XXXX bills. The bank could only reimburse me for the past two months. I contacted the Fraud Department at XXXX and succeeded in being reimbursed for the past year only, of the 15 months of fraud. I tried to call the Fraud Dept. at Regional Acceptance Telpayment ( phone - XXXX ) and was told I could not talk to them because I do n't have an account with Regional. They said I have to go through my bank. My bank said they only have a name and no other information. They can not help me. I want to be reimbursed by Regional for {$330.00}.
Product: Credit reporting or other personal consumer reports

XXXX from XXXX XXXX XXXX  a act of fraud/identity theft. I did not apply for any product nor give my permission to anyone to do so.
Product: Mortgage

XXXX XXXX at Sharpe mortgage did not comply with the fair housing act, specifically the Equal Employment Opportunity Commission ( EEOC ) regarding sexual orientation. He denied me simply because I could not answer specific questions regarding my husbands credit profile. I asked him to contact him directly, but he refused and stated that he could not help me and did not believe who I was even though my best friend ( former customer of XXXX 's ) referred me to XXXX XXXX himself. Also, he made comments regarding my character regarding my identity. He received all the required documents he requested but refused to help me based on personal reasons. I also think since my husband and I are XXXX he refused to assist us. 

I was pre-approved within 3 hours by another mortgage broker at a different company after receiving his decline letter via email he sent the same day.
Product: Checking or savings account

I have XXXX - XXXX minimum charges from {$5.00} to {$12.00} have over {$1000.00} of over draft charges. they stated it helping me and they have new policy. this is hurting me and the only benefit is the bank.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collection Serv Address : XXXX, MA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX Ga XXXX Dear Credit Collection Serv : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact, the victim of this data breach and Equifax has done nothing. 
Additionally, they have refused to provide my full credit report. The only report I have is the one from XXXX XXXX. 

Below is the last four of my social. 
The last four of my social : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 section 4 - States I have the right to privacy.

15 USC 1681 section 604a section 2 - Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

had someone hack my debit account around XXXX pm on XX/XX/XXXX I attempted to call the bank. Instead of receiving help, I was put on hold whilst the thieves were still trying to steal my money. Therefore, I reported my card stolen to stop them. I called the bank the next morning. They said they were issuing me another card. I talked to someone at BBVA Compass on the phone on XX/XX/XXXX who told me someone copied my card from a gas pump. I received my new card on XX/XX/XXXX, but it wo n't activate, because the bank says they have closed my account, and they wo n't give me my money.
Product: Debt collection

Subject : Consumer Complaint Regarding Violations of Consumer Financial Protection Laws Dear XXXX XXXX XXXX, I am writing to express my concern and dissatisfaction regarding the recent placement of a collection account on my consumer report by your agency. I believe that your actions have violated several consumer protection laws, outlined as follows : 1. **Failure to Provide Validation Information** : Under 12 CFR ( b ) ( 5 ), you are required to provide validation information upon request. However, I have not received any validation information despite multiple requests. 

2. **Denial of Dispute Opportunity** : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute accounts. I have not been given the opportunity to dispute the account in question. 

3. **Use of Deceptive Means** : Your agency has engaged in false, misleading, and deceptive practices, which is a violation of consumer rights. 

4. **Failure to Provide Required Disclosures** : Your agency has furnished the account to consumer reporting agencies without providing the necessary disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

Additionally, I want to inform you that I am disputing any and all debts owed to your agency. Furthermore, I am revoking all rights for you to communicate with me via text, email, or phone calls. 

As part of my rights as a consumer, I am requesting the following : - Debt validation for the account in question. 
- The purchase agreement between your agency and the original creditor. 
- Proof of your agency 's licensing and bonding. 

Please provide the requested information within [ insert timeframe as per relevant laws ]. Failure to comply may result in further action to protect my consumer rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/2024 XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I got into the loan under a misleading pay-to-work scheme by a scam company called XXXX affirm should not be allowing loans with a company that is not even on the XXXX  ( XXXX XXXX XXXX ) this company has had many victims. If you search up XXXX XXXX XXXX ( XXXX  ) on XXXX you will see testimonies of many other people being affected by these pay-to-work scheme. XXXX is not even the main buisness as they operate off multiple names when XXXX XXXX gets too hot, their main name is XXXX  XXXX. Their new handle ( XXXX ) is only 6 months old. Please help me with this as affirm which is a legit company is accepting these loans which should not be allowed to process or make happen. Thank you- XXXX XXXX XXXX
Product: Bank account or service

I opened a checking account with Bank of America late last week while reviewing an incentive offer for {$100.00} when XXXX {$250.00} deposits are made into the account. I chatted with a representative yesterday to confirm the offer was there but they said there was no offer on my account. The representative I chatted with while I opened my account last week confirmed it was there, so I do n't know who has the incorrect information. Want to get this resolved before it 's too late.
Product: Checking or savings account

I had recently opened a Checking, Savings, and Credit Card Account with XXXX. On XXXX I discovered that my account was locked, so I called into customer service and told my account was under review and to call the following Monday to speak with department in charge of my review. I called XX/XX/year> told under review but not why nor when would be resolved. I believe I called one other time between XX/XX/year> and today. I tried chat agent today who told me to call into customer service. I just called into customer service and again wasn't told why my account is under review, didn't get to speak directly with the department doing the review, and didn't receive a timeline for this to be resolved
Product: Mortgage

Received the following email from XXXX with Penny Mac on XXXX. XX/XX/XXXX. Still no attempt to remedy this at all. No phone call, email, or text. After today, I will file a complaint with the XXXX  XXXX XXXX. This is my second time returning this complaint to the CFPB. 5th attempt at getting an answer to the question... 


Your complaint has been sent to the company. 
Weve sent your complaint to the company for a response. 

We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 

You should receive a status update within the next 15 days. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Checking or savings account ISSUE Managing an account
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to place a formal complaint against for violating Experian my FCRA rights and my privacy. They have placed XXXX public records on my consumer report that should not be there : Public Record - XXXX XXXX XXXX - Reference # XXXX Public Record - XXXX XXXX XXXX XXXX - Reference # XXXX I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. XXXX is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items is a clear violation : Public Record - XXXX XXXX XXXX  - Reference # XXXX Public Record - XXXX XXXX XXXX XXXX - Reference # XXXX. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. They are unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Product: Credit reporting or other personal consumer reports

There are several hard inquiries om my XXXX, XXXX, and Transunion that I did not authorize. Every hard inquiry not linked to an active open account need to be DELETED immediately. A list of the hard inquiries should be shown in the credit bureau database. My credit matters and is important to me. 
Apply these laws : 15 USC 1681 ( N ), 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Total/XXXX XXXX XXXX, XXXX and XXXX are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my XXXX and XXXX credit reports when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. On XX/XX/2020 I sent the attached letter to Total Card inc. at the address specified by a Total Card/XXXX XXXX XXXX representative on XX/XX/2020 at XXXX XXXX  to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called Total Card/XXXX XXXX XXXX on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX   complaints for Total Card shows I am not the only person that has experienced extreme difficulties in Total Card/XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus. XXXX XXXX  XXXX
Product: Debt collection

I was included in the XXXX XXXX XXXX and believe this account is due to fraud. In review of my credit reports, I found an account, CCS Collections in the amount of {$340.00} listed on my file that does not belong to me. Several attempts were made regarding the validity of the account with requests made to the company to provide proof and validation of said debt. This company has not complied with the request and refuses to supply any proof that this debt was validated by me. Furthermore, this said debt does not belong to me nor have I ever received any form of written communication via electronic or hardcopy requesting me to verify or validate said debt. This company continues to violate the laws that are governed to protect consumers. Section 1006.34 ( a ) ( 1 ) generally requires a debt collector to provide the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collectors initial communication. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice. I have never received any notice to validate said debt. Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. CCS Collections are listed on both of my credit files attempting to collect a debt for XXXX and XXXX XXXX XXXX.