23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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, credit repair services, or other personal consumer reports

Inquiries removal I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries 1.XXXX XXXX Inquiry from XX/XX/2019 2.XXXX Inquiry from XX/XX/2019 3.XXXX  XXXX Inquiry from XX/XX/2019 4.XXXX  XXXX XXXX from XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

On XX/XX/XXXX, during the trip to XXXX, I lost my wallet. I immediately notified the credit card company of the lost card. I informed them that the loss occurred between the check-out from the hotel and the taxi trip to the airport, I reported the incident to the airport police station but to no avail due to the language barrier. They informed me that they do not write a report for a foreigner who lost their credit card and informed us to report the loss to the credit card company. 

We reported the lost/stolen card to HSBC and the subsequent unauthorized charges on the card which we disputed as a fraud. On XX/XX/XXXX, HSBC closed the stolen card account and credit all the unauthorized charges. Soon after the old account was closed and a new account was created, HSBC reversed the credit to the new account and charged us finance fees, late fees, and interest fees. 

We make a good faith payment of {$50.00} of minimum payment to the newly open account, hoping that they will reverse the charges and credit us for the {$50.00} we paid We contacted them again in XX/XX/XXXX and requested the total balance and all fees to be credited. HSBC first respond was the fraud claim was denied and demanded us to produce evidence of fraud. We told them we could not produce one since it was impossible and as stated reasons to them in XX/XX/XXXX. They denied our claim and stated they will investigate. 

60 days went by, and HSBC did not inform us of their decision until XX/XX/XXXX, we contacted them again to inquire of the decision. They informed us they still investigating and waiting for the merchant to respond. 

On XX/XX/XXXX, they denied our claim again and reasoning that we must produce evidence of fraud. 

We informed them that they have violated federal laws of charging interest fees, late fees during the investigation, They also violated several FCBA laws. 

While pending investigation, HSBC continues to charge interest, late fees, and report our late payment to credit reporting agencies.
Product: Mortgage

I am trying to sell my house and Ocwen is not getting me a payoff for my loan. They continue to tell me I will have it in 24 hours. It has been days and I still do n't have it. I think this may be a tactic to charge a late fee. Also they sent a letter informing me my mortgage payment was increasing over 10 %. The letter said the reason for the increase was coming in a separate letter. That was over 45 days ago, I still have not received an explanation.
Product: Credit card or prepaid card

On or about XXXX/XXXXXXXX I recieved a welcome letter from XXXX XXXX that my credit card account had been approved through TD Bank. I had not applied for this credit card and upon contacting the bank ( TD Bank ) I found out that someone had opened a fraudulent account in my name and made purchases of XXXX products for over {$3000.00}. I immediately opened a Fraud Case and and was told by TD Bank that a resolution to the issue would be finalized by XXXXXXXXXXXX. On XXXX/XXXXXXXX I contacted the bank for a response and was told that the Fraud claim had been closed because they never recieved a signed affidavit from me which they claimed was mailed out XXXX/XXXX/XXXX. I never received the affidavit letter in the mail until yesterday, XXXX/XXXXXXXX. On XX/XX/XXXX I received an email from a Team Lead at TD Bank and was told that the affidavit could be signed and emailed back to them and that the case would be re-opened with a new expected resolution date of XX/XX/XXXX. I emailed the signed affidavit back to the Fraud Department on XX/XX/XXXX. I then emailed them on XXXX/XXXXXXXX, XXXX/XXXXXXXX, XXXX/XXXXXXXX, and XX/XX/XXXX to ask for confirmation that the signed affidavit was recieved in good order and that they were working on the issue. I finally received an email from the Fraud Department today, XXXX/XXXXXXXX that the affidavit was recieved and the expected resolution date is XX/XX/XXXX.
Product: Vehicle loan or lease

My lease ended with Old National Bank inXXXX Indiana with the payment made in XX/XX/2019. Around or about XX/XX/XXXX I noticed that the lease had a balance of XXXX but the amount due on the next payment date was XXXX. I contacted Old National immediately and was told that this was just their way of  flagging a lease as paid and it would clear up. I then went to the dealership where I purchased the vehicle for the residual value and actually financed it with Old National Bank in XXXX. The vehicle was purchased on XX/XX/2019. Much too my surprise I received a note from Old National seeking to collect a debt with a total amount due of XXXX on XX/XX/2019 mind you the account balance was still listed as XXXX this was the amount that was pad off in the purchase on XX/XX/19. I called ONB again and after being bounced around and actually chuckled at I was told that they did not know what the issue was and that apparently the loan officer messed up the loan process when setting up the new loan. I told them this was not the case as the XXXX XXXX dollar balance was there well before then. I asked as to why the were threatening me with collection of a XXXX XXXX dollar debt and reporting to the CB again I was made to feel like an idiot and told they didn't mean it really???? I was sent a letter threatening me with reporting to the credit bureua and that it would impact my credit rating. Just to be clear this was a collection late payment notice for XXXX on a lease that was payed off with a balance of XXXX that was actually refinanced as a purchase with the same bank ONB XXXX. I asked for a letter stating what had happened along with a letter stating that this was a fradulent collection letter for a fictitious amount and all I got from them was we will look into this and note it on your account. I assume they noted on the account with the over XXXX XXXX dollar balance. Is there a recourse when someone issues a letter for an amount that is millions of dollars over the balance that had been paid off? I fulfilled my obligations to Old National they certainly have done nothing but provide me stress and damage to my credit for no fault of my own this is all on them. I will add the as of this writing the account with a balance of XXXX has disappeared on my list of account via their website.
Product: Credit card or prepaid card

I set bank auto-pay function to pay the statement balance on the due dates. Payments have been taken from the designated account as scheduled when the balance is due. Yet, I was charged with the interest of {$6.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. 

On or about XX/XX/XXXX I telephonically contacted the card issuer and reported the issue. The representative told me they would review the case. 

On or about XX/XX/XXXX I contacted telephonically and via their website regarding the same issue. They responded that they received my complaint and they were looking into it. 

On XX/XX/XXXX I telephonically contacted the card issuer again and asked for the updates. I was told again, they were reviewing the case. 

As of XX/XX/XXXX, I have not seen any resolution. I am not sure if they were really looking into the matter as they said so I am asking the Bureau 's assistance.
Product: Payday loan, title loan, personal loan, or advance loan

Loan was obtained from American First Finance on behalf of XXXXXXXX XXXX XXXX XXXX as the only in house/partnered finance option for services rendered. Loan terms set to run for nearly 2 years total duration with an annual interest of 179.23 % and appears to fall within predatory leanding practices. Additionally faced non clear selections during the acceptance of the loan leading to unintentionally selecting for auto withdrawals that can only be canceled after an initial payment is processed and only over the phone.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against the company. Equifax 's failure to conduct a reasonable investigation into my disputes has caused significant harm, including inaccurate credit reporting that negatively impacts my financial opportunities. I am requesting that Equifax comply with its legal obligations under the FCRA and CFPA by conducting a proper, good-faith investigation into my disputes and providing clear evidence of its findings. If Equifax fails to take corrective action, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue any necessary legal remedies. 
The accounts : XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Back Archive Move Delete Spam XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX **Complaint against Capio Partners for violating the Fair Credit Reporting Act** I am writing to file a complaint against Capio Partners for violating the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I received a copy of my credit report from [ credit reporting agency ]. The report included inaccurate information that was reported by Capio Partners. The inaccurate information included : open balance {$2200.00} sent creditor certified mail to send information regarding information placed on my credit report no account number on credit report to state, no response to certified letter. 
This inaccurate information has damaged my credit score and made it difficult for me to obtain credit. I have contacted Capio Partners several times to dispute the inaccurate information, but they have not responded to my requests. 

I believe that Capio Partners has violated the FCRA by : * Failing to investigate my dispute within a reasonable time. 
* Failing to correct the inaccurate information on my credit report. 

I am requesting that the CFPB investigate this matter and take appropriate action against Capio Partners. I am also requesting that the CFPB help me to get the inaccurate information removed from my credit report. 

Thank you for your time and attention to this matter.
Product: Debt collection

I owed XXXX XXXX. XXXX dollars and planned to pay off the debt. I suffered XXXX XXXX XXXX  and during the Covid-19 pandemic. I was not able to remain employed as a XXXX of which I had been gainfully employed in since the early XXXX until around XXXX. I have since lived off of about XXXX a month. Of that amount, my mortgage alone takes up almost half of. I explained to Midland Credit that I would like to pay them a lesser amount and they said that it would be impossible for that. So now they want me to pay XXXX as a one time payment, or XXXX dollars over 24 months, or lastly, XXXX for 27 years. I feel that I have no other choice but to file bankruptcy because I know that poverty begets poverty and negativity. Thank you, with kind regards.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I even waited there ridiculous 180 days. First a 180 days pasted a month ago as of the time Im writing this. No one even told me I called them. They advised me the 180 days was not even needed anymore and there back office will review it. I was done so I said I want my money now PayPal said sue them unbelievable. 
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal I dont ever wan na work with them again but I want my money and done. XXXX is my email
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022
Product: Student loan

I have PSLF payments made on this loan that are not showing up. When I inquired about it with the company, they advised they would get back to me and they never did. It has been over 8 months since they took over my loan from a different servicer and there have been no changes on my account or updates on my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and found out I've been a victim of identity theft & I'm in the process of buying a home for my family. I feel terrible that i've fallen a victim of identity theft. This situation has negatively impacted me. I respectfully request that you promptly delete these fraudulent accounts from my credit report. Please see attached.
Product: Student loan

My series of loans were originally handled by XXXX XXXX and are now handled by Navient. My complaint stems from representations made by representatives of both loan servicers. On three separate occasions reps at XXXX XXXX ( Navient ) advised me that I was eligible for a forbearance. I was told that the forbearance was granted and that no payment would need to be made for a year. I relied on these representations and budgeted my money to other bills. On three separate occasions, I was contacted by XXXX XXXX ( Navient ) and told several months later that I did no qualify for a forbearance, that the verbal forbearance granted to me by the rep was erroneous and that I was now months late and the total sums for those months were due and owing. XXXX XXXX ( Navient ) reported me to the credit agencies as being late and the drop in my credit score drastically affected my family. I ended up filing complaints with XXXX ombudsmen -- nothing happened. I complained to XXXX XXXX ( Navient ) managers and nothing happened. 

The question is why can XXXX XXXX ( Navient ) get away with misrepresenting their own policies to the detriment of borrowers time and again without any repercussions? I am still dealing with the negative credit reporting and all the fees associated with late payments. No other company could get away with managing so much debt so irresponsibly. 

All I am requesting is that the negative reporting to the credit agencies be withdrawan.
Product: Debt collection

Back in 2019 me and a couple of our friends was out in the town when i lost my wallet. I now have a collection on my credit stating i owe money to some apartments i never lived in. I also have proof of the lease where I resided when the fraud happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of 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 the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, 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 : XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I paid off the mortgage loan on XX/XX/scrub>/2024. I used this mortgage loan to purchase a co-op apartment. The XXXX XXXX Termination was filed on or around XX/XX/year>2024 by NationStar Mortgage LLC to theXX/XX/XXXX ( XXXX ). However, the lender has not returned the proprietary lease, the stock certificate and the original promissory note for the loan to me yet. The co-op board/management advised me that the standard practice is the lender to release these documents directly to me as the Shareholder of the unit and as their customer. I want the lender to let me know where these documents were sent, or if they have been lost. If the lender is unable to locate my original documents, I want to request the lender pay to replace them immediately.