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

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Frontline, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Product: Credit card

i recently closed and paid off my citizens bank credit card account ove one month ago. Today i received a call from them saying that my account was past due.now, they never sent me a letter in the mail saying that i owed them money after i have requested a payoff and paid the balance in full. they are attempting to report my account past due for 33 days with the credit reporting agencies. i have worked tirelessly to build my credit, and now Citizens bank wants to destroy over {$27.00} when they never had any type of notification in place to make me aware of the balance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to Section 605C of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX. {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XXXX XXXX, 2023, to update the erroneous information. I think the 3 Credit Bureaus have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00}
Product: Credit card

On XXXX I applied for a Delta Amex platinum card and was denied. 
Although I have a Amex card under my wife and I wanted to be the owner of this account, my credit score is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information in a recent security breach on or around XXXX XXXX. I was made aware of this break during the week of XXXX. This puts me and millions of other people at risk. I am listed as a potential victim on their XXXX website, and would like a resolution.
Product: Credit reporting or other personal consumer reports

his account was opened on the following data XXXX in Transunion and XX/XX/XXXX in XXXX..this is wrond ... and the Date last active XXXX in Transunion and XX/XX/XXXX in XXXX XXXX .this is wrond this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXXXXXX XXXX  Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Payday loan, title loan, or personal loan

I took out a personal loan for a total amount of XXXX. The representative did not disclose the interest rate of 776 % to me during the initial phone call. After reviewing the financial agreement I will be paying a total of XXXX back which is extremely high. I took my loan out on XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXXXXXX XXXX XXXX XX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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

I called XXXX XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Equifax credit file without my authorization, they would n't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the Accounts proceeding, 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.

Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. 

XXXX XXXX XXXX Account number XXXX Account status Closed Company sold to ; XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account status Closed This account is passed the statues of limitation period in Virginia. Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. XX/XX/2021 Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Contact info Address XXXX XXXX XXXXXXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 

XXXX XXXXXXXX XXXX  GA XXXX Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX CT GA XXXX Additional Information : If the Chapter XXXX plan is dismissed, If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Mortgage

I am refinancing a property in New Mexico with a VA IRRRL. From the beginning, the executive loan officer, XXXX XXXX, NMLS # XXXX, was hard to reach when needed and often required multiple follow ups ( trying to have phone conversation was virtually impossible ). I conveyed to XXXX multiple times in XXXX and XX/XX/XXXX all remaining closing costs that would not be covered by lender credits would be paid by us at closing ( " cash to close '' ). After I pointed out some initial errors with the loan documents, I was contacted to schedule closing in XXXX and we set up a date. XXXX XXXX was assigned as my customer advocate prior to closing and her intro email stated " My name is XXXX XXXX, and Ill be your Customer Advocate and primary point of contact moving forward. Im committed to providing you with excellent service and seeing that your loan gets scheduled to close as quickly as possible. '' However, my experience with the customer advocacy group was the complete opposite. We postponed closing a few times throughout XXXX, XXXX, and XXXX ( including today XX/XX/XXXX, which is why I am finally filing this complaint ) because Freedom Mortgage would keep issuing incorrect closing documents. I think every time they had the closing costs rolling into the loan despite me requesting every time to fix it for the next scheduled closing date. At least once the loan payoff amount was incorrect and nobody could explain where the figure came from ( i.e., did not match the current lender 's payoff quote ). Then today they quoted us a high amount for the cash to close because inexplicably the approved loan amount decreased and underwriting wanted us to make up that difference. Nobody could provide an explanation of how the cash to close figure was generated until after we postponed closing again, but it appears their research determined it was a mistake for the loan approval amount to be decreased. Our customer advocate and their supervisor, XXXX XXXX, have been quiet since early XXXX when we failed to close because Freedom Mortgage cancelled closing due to a property tax payment made by the current lender ( I can understand this is probably standard practice, but placed in the context of one problem after another it was infuriating ). The customer experience with Freedom Mortgage has been terrible, and this company has not been fully transparent and/or competent throughout the process. I can't prove this company has done anything illegal ( purposefully ), but I think some of their actions border unethical behavior, and certainly they've proven to be incompetent. Had I not been diligent on a separate loan ( which this one also had multiple closing date postponements ) they would have taken advantage of a veteran ( purposefully or stupidly, I'm not sure, by dropping out some of the lender credits that were promised ). Finally two employees do deserve recognition for trying to do the right thing. XXXX XXXX and XXXX XXXX, should be commended for trying to be helpful throughout this process ( XXXX has been especially helpful ).
Product: Credit reporting or other personal consumer reports

I called in to update my address and phone number and ask to remove negative inaccurate accounts XXXX XXXXXXXX is not accurate and need to be updated to paid as agreed and 100 % on-time payments, XXXX XXXX XXXX XXXXXXXX Is not 100 % accurate and needs to be updated to paid as agreed and XXXX XXXX, is not my account, I never had or made and agreement or gave them permission to put anything on my credit report and needs to be removed off my account and updated immediately. 
XXXX XXXX IS NOT MY ACCOUNT- I never had or made and agreement or gave them permission to put anything on my credit report XXXX XXXX XXXX XXXX and needs to be removed off my account and updated immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Zelle did not provide disclosures when using their services to make or receive payments.
Product: Debt collection

PNC began non-judicial foreclosure on a loan originated by XXXX Mortgage. XXXX XXXX XXXX, on behalf of PNC, is relying on a hearsay beneficiary declaration to claim it has the note. I questioned that based on official comments from the Florida XXXX XXXX stating notes are digitized and then destroyed. XXXX XXXX XXXX at XXXX claims he spoke with PNC 's counsel regarding my concerns but refuses to ID PNC 's attorney.
Product: Checking or savings account

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am submitting a complaint regarding Navy Federal Credit Union 's improper overdraft fee practices. Despite having sufficient funds and overdraft protection, I was charged multiple overdraft fees due to lagged posting of transactions. My account was eventually closed, and subsequently, Navy Federal Credit Union withdrew {$300.00} from my savings account to cover the overdraft fees. 

I believe Navy Federal Credit Union 's actions align with the CFPB 's previous findings against the institution for similar practices. 

I request that the CFPB investigate this matter and take appropriate action to ensure Navy Federal Credit Union 's compliance with consumer protection laws.
Product: Money transfer, virtual currency, or money service

On Friday, at around XXXX XX/XX/2019, my brother from the XXXX sent {$500.00} thru Western Union. I as the receiver is currently stationed on a US Military Base in XXXX and expected to receive the funds in a few minutes after the payment was done. However, there were a series of confirmation that needed to be done from my brother 's side which he confirmed personally so the funds can be released. Initially, after calling Western Union customer service, we were told that the funds will be available in 61 minutes. So I let 61 minutes pass and at XXXX ( XXXX ) I called back Western Union to have the funds released. The person I talked to said that the funds are released. So I called the agent from XXXX XXXX where I am going to pick up the funds to check if the funds are available for pick up. The agent from the base said that his terminal is showing that the funds has been picked up with details saying the funds were released somewhere in XXXX, Colorado. It is now Monday noon here and I have not received the funds. My brother called for investigation and now, he was told to wait another week for the result of the investigation. In the mean time, we still don't have the money that I needed urgently. I am very, very disappointed with Western Union 's service. It should have been money in minutes not money in a month.
Product: Student loan

I am due a refund because my loans were discharged via XXXX v. XXXX. I contacted Mohela late XXXX. I asked for refund amount and if it has been sent to the treasury. I was told it was sent to the treasury and it could take up to XXXX business days. Today, XX/XX/year>. I contacted the treasury to see if the refund has been sent. They have received no payment authorization/request from Mohela. This information was NOT sent to the treasury.
Product: Credit reporting

Consumer is a victim of credit " parking '' instigated by Elevate Credit ( Rise Credit ) and XXXX. Placed a bogus 30-day late on my XXXX credit report. Elevate Credit ( Rise Credit ) has a policy of parking false information on at least one of the consumer 's credit reports -- keeping a false balance or false information on a credit report. This is done to force consumers to pay off the erroneous balance in order to obtain other credit or to protect consumer 's credit score from the artificially lowered score which directly resulted from Elevate Credit 's ( Rise Credit ) intentional and malicious conduct. 
In parking or allowing the parking of an account, Elevate Credit ( Rise Credit ) is well aware that it is violating the obligations and duties under federal and state law to accurately report the account and the balance. 
Elevate Credit ( Rise Credit ) know that parking a balance will lead to false and defamatory information being published every time the consumer 's credit report is accessed. This is exactly the malicious and intentional design behind Elevate Credit 's ( Rise Credit ) actions with the goal to force consumer to pay on an account that is illegal. 
XXXX maliciously, willfully, intentionally, recklessly, and negligently failed to review Elevate Credit 's ( Rise Credit ) information provided in the disputes and to conduct a reasonable investigation on consumer 's disputes, which led to XXXX either failing to delete information found to be inaccurate, failing to replace the inaccurate information with accurate information, and reinserting the information without following the dictates of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Mortgage

My XXXX Mortgage is serviced by a company called PHH. They are horrible. They are impossible to get ahold of and when you finally do - they are rude and do n't listen. 
Their customer service line is only available during business hours, They hide their number on their website " XXXX '' XXXX how would you ever find this website - it has nothing about PHH on it. Also - when you call into the customer service line they do n't normally answer the phone in under 1-2 hours. They finally implemented the call back option. I tried 3 times yesterday to get a call back ( each time it was longer than 1 hour wait ) and finally got someone on the phone to find out that I had to talk to another department and they put me thru to their line, which I waited on hold another 45 mins. When I finally got thru - they said, write a letter and fax it to us. Then we 'll get back to you ... .. I 'm not looking forward to waiting to get a call back for 4 hours next week - because they wo n't respond to the fax to let me know they got it - or return my emails.
Product: Mortgage

Good morning I have been fighting with M & T Bank since before Covid hit on a loan modification and pre-mediation for foreclosure. In XXXX of XXXX I was separated and going through a divorce, with my income hampered I was no longer able to make payments as of XX/XX/XXXX. When I attempted to work on a modification suited to my current income, M & T Bank would not work with me. As such I fell behind on my payments and in XXXX of XXXX I lost my job due to Covid. At this point I was about a year behind and M & T had started Pre-mediation for Foreclosure. I contacted them to try to work with them, which they would not do. I went to pre-mediation in XXXX of XXXX but M & T and the Lawyer did not show up. At that point Courts closed and I was instructed to not take any action. Fast forward to this past XXXX when Courts opened back up, my pre-mediation was starting back up. M & T bank reached out to me to do a hardship, and I explained I was making more as well had the possibility of other income coming in starting XXXX of XXXX. Again they refused to work with me stating they did not have any programs that would help me even though I am able to make the Mortgage payment on my own if it were modified or re-financed..
Product: Credit reporting or other personal consumer reports

I applied for a job with the XXXX XXXX. They do a background check just like the others I work with example ( XXXX and XXXX ). I completed the information asked for. They do the background check and comes back with something that happened in XX/XX/year>. It was XXXX XXXX, which means UNWILLING to prosecute. That was 25 years ago. Checkr the company that did the background check reports that it was a Adjudicated which they made a decision about something. THIS NOT THE SAME! The company CHECKR is making seem as though things have happened worse than they were or just plano trying to make peoples life harder. And I do believe Checkr ONLY DOES THIS TO XXXX PEOPLE. 

XXXX is not a company that can make or break my life. I NNEED them to know and ANYONE USING Checkr, they are screwing people over by changing words in reports. ONE WORD DOES MATTER! I have worked for XXXX and VERY LARGE XXXX XXXX  and I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and youre telling me its a you want to make this a problem and its NOT a problem for the XXXX GOVERNMENT!? I have NEVER SEEN THIS. I am outraged and appalled at the MISINFORMATION THAT CHECKR HAS PUT ON MY BACKGROUND! And know they put it there because it was NEVER THERE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is unable to provide proof of ownership They have lacked to provide Original signed contract Original balance Payment history Address, phone number, all there information is incorrect