23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a voice mail from the XXXX County Courts ( In North Carolina. ) I was given a fake docket number and was told legal papers were to be delivered to the respondent, but they were calling to make sure we did not have covid symptoms.

I called the court house and my name is nowhere to be seen. I see this supposed law firm has a lot of information about scamming people.

There would not be a docket number yet, if I was not served papers. They were sloppy, and their docket number is not the right format.

I agreed I would pay {$500.00} if they could prove to me that I owed this {$7000.00} debt that I believed I had settled two years ago.

The letter received was not professional, as the paralegal did not even sign it with her position title. 
The scammer company is XXXX XXXX XXXX, from XXXX, New York, and the phone number provided to me from the supposed court person matches their google listing. This tells me it's an actual company but it's likely they do not practice law.
Product: Payday loan, title loan, personal loan, or advance loan

The financial company is charging me some surcharges that I understand are not appropriate. They give me an additional 10 days after the payment due date. On this occasion, on the XXXX, they did not open an office, so I was forced to make the payment on the XXXX and that is why I believe that they should not charge me the surcharges that they are charging me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXX Owed : {$7100.00}.
Product: Checking or savings account

My venmo Account was randomly frozen/suspended XX/XX/XXXX for no reason that I knew of and I submitted my ID and still no response I couldnt withdraw money and I let them know why I needed they money since it was all I had
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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: Student loan

My sons loans are coming due with Navient starting XX/XX/XXXX. His payments are going up dramatically and they give no warning about the amount. I 've called several times and complained about it but they wo n't do anything about it. So come next month without any warning his payment is going up to about {$500.00} a month which he ca n't afford. I think it is wrong to not give you ample time to plan for this. XXXX sent us a letter 6 to 8 months ago telling us what the payment would be. Navient does not want to help you in any way.
Product: Debt collection

They unknowingly took me to court without proper notice or serving me. I am a XXXX XXXX  over the road. The sued me for court fees for money I did not owe. The company was sued by me and I won a settlement and I feel this is retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan with a balance of about {$1200.00} is being reported incorrectly. It is currently held though American Education Services. They have held the loan since XXXX and have not reported the loan as current or any of the payments that I have made. The loan is still listed as held by a prior servicer and in default. This is causing continued damage to my credit and affecting my ability to refinance other loans.
Product: Debt collection

XX/XX/2019. Amount {$430.00}. Contacted the company with violations an invoice and cease an desist letter 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.
Product: Mortgage

I currently have a Pick-a-Payment loan with Wells Fargo. Although this product is no longer offered through Wells Fargo, it has been grandfathered into their loan products.
My loan was originally with XXXX XXXX, when I discovered the negative amortization feature of the loan, and saw my principal consistently increasing, I attempted on eight different occasions to obtain a loan modification.
The first seven times I was told that my debt-to-income ratio did not allow me to qualify for a modification. I then did all I could to mitigate my circumstances, by going back to school and receiving a XXXX 's Degree in XXXX XXXX and a XXXX XXXX XXXX XXXX I have a four bedroom home and my adult daughters have moved back home to rent out their old bedrooms and help with utilities. My nephew has moved in as well and is renting our family room for his bedroom.
The last time I applied for a modification, I was told that my total income allowed me to make my Principal and Interest payments. However, the P & I that was used on the NPV worksheet, was the minimum payment {$3900.00} of the Pick-a-Payment loan, and not the full principal and interest which was {$5300.00}.
When I appealed their denial, based on the inaccurate P & I used, Wells Fargo explained that they were able to use the minimum Pick-a-Payment amount, and stood by their decision of denying the modification request.
The last three times I applied for a modification, I was told, and received a letter, that stated an Escrow amount for the property tax and homeowner insurance would be establish and last the duration of the loan.
Then after the denial I received a letter that stated I had to bring the escrow balance down to XXXX. To do so, the payments were spread over a set period of time and resulted in a drastic increase of my monthly payments.
After the appeal, I was told that they unknowingly had extended the Pick-a-Payment option and I would now have to pay the full P & I + escrow. This was an increase from {$3900.00} to {$6800.00} a month.
My extended family helped me to make the first two {$6800.00} payments, however, I have exhausted all of my resources and am unable to make another {$6800.00} payment. I am currently two months behind, and have over {$4000.00} in late charges. My original loan amount has increased by over {$100000.00}.
I desperately want to keep my home, and only want P & I payments that I can afford.
I read an article dated 2015 that explained the class action lawsuit you filed on behalf of Wells Fargo customers who have had similar experiences with the Pick-a-Payment loan, and was wonder if it 's to late for me to use the case for some type of recourse, so I can keep my home.
Product: Credit card

I have a credit card through PNC Bank. Since XX/XX/2024 they have charged me with 3 late fees when in fact I make my monthly payment before the due date of the XXXX of every month. They give me the excuse that it takes long to process my payments, therefore the late fees. To date, only one late fee has been refunded. I have called them 3 times over the last week about the XX/XX/2024 late fee, and I am told something different each time. The late fee will not come off. Please help me.
Product: Credit card or prepaid card

XXXX XXXX account has been flagged as 150 days past due. During previous attempts to contact organization for assistance with making payments, I informed them on multiple occasions that I am experiencing a financial hardship and can not pay exactly at this time. The organization has not worked with me in any way. I have been told on multiple occasions that there is absolutely nothing they can do, and that they do not offer assistance if you are experiencing a financial hardship. My recent hardships have subsided in the last two weeks. However, my previous interactions with this organization have completely discouraged me from even attempting to resolve this with them anymore. I contacted the organization in XXXX, XXXX, and XXXX to inform of financial hardship. This organization has continued to charge me interest and fees to the point where limit has now doubled and they are demanding a payment of 400 dollars. The limit of the card in question is {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX XX/XX/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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX I recently received a copy of my ( Experian, XXXX XXXX XXXX ) Credit report, and I noticed transactions posted on my credit report that are excluded by federal law. 

Account number XXXX Date opened : XX/XX/2021 Your company is in direct violation of the FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
XXXX  XXXX XXXX reported a transaction from account number XXXX to my consumer report the above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person making the report is not included on the consumer report yet you are reporting this information to my consumer report.

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is clear violation of the FCRA. 
I need the transaction deleted from my consumer report effective immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally faxed Experian about inacurrate bankruptcy listings on my credit report XX/XX/18. I did not receive my results until XX/XX/18 which was beyond the 30 days the FCRA allows. I than faxed on XX/XX/18 asking for a verification of the method used and how they verified their information to include who they spoke too, what court they contacted, the phone number, and address or what 3rd party verification they used. Today XX/XX/18 I received a letter saying in essence look at your report and figure it out yourself. That is not in compliance with the FCRA. I contacted the court myself and they sent me a letter saying they report nothing to the credit bureaus nor speak with credit reporting agencies. ( Letter included from court ). My XXXX report has been frozen as well as my XXXX, XXXX XXXX, XXXX have all been frozen.
Product: Payday loan

I never received the loan and the customer service agent was could not find the loan information in the computer database, but then another customer service agent was able to find the loan in the computer but said that I had to fill out another application, but the loan information showed up on my XXXX report. When I tried to retrieve the loan the customer service agent said the loan information was not in the computer. He did not have any information on the loan and said that I just have to start the process over, but when I called back at another time, another agent saw the loan in the computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved to a new apartment ( XX/XX/2018 ) and was approved for the lease after the apartment complex confirmed my credit history. Upon moving in, I contacted XXXX XXXX XXXX ( XX/XX/2018 ) to request internet at the new apartment and they performed a credit check with Equifax. For some reason, this came up with a block on my credit and after submitting all of my information to Equifax trying to verify my identity ( Driver 's License, SSN, DOB, Address, etc. ) they came back and told me it could take up to 30 days to process the request and verify my identity. I have no idea how I was approved for a 12 month apartment lease in consecutive years and my credit appears clean, however Equifax has placed a block on my credit making it all but impossible to get approved through XXXX XXXX XXXX for wifi. I must now have a Co-signer on my internet account ( $ XXXX/month ) when I have not needed a co-signer on either of the two apartment leases ( each over $ XXXX/month ) that I have applied for over the last two years. They will not discuss why I have a block on my credit. I do not know what else to provide to verify my identity, and as I work from home I need wifi to do my job. Their incompetence and unwillingness to help me resolve my issue is extremely frustrating and I would like an explanation from them on why I am unable to receive credit approval for an internet account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Good Morning, My name is XXXX XXXX. I have been banking with Citi Bank for years. I sent XXXX $ to my brother XXXX XXXX using XXXX. He found out his account had not been properly linked to his phone number and I resent another XXXX $ using his email address which was successful. I contacted my bank and cancelled the first incorrect transaction the same day while the first incorrect transaction was in pending status. Citi bank informed me the transaction would be cancelled and I had no worries. After three disputes Citi bank informed me they would no longer look into this transaction and I had to go after the person who incorrectly received the XXXX $ myself. I explained to them multiple times that I did not know this person and that was an impossible task for me. I got upset and shed tears because they constantly lied to me saying I didnt give enough information for the investigation to be found in my favor, they tried to get the funds back from the stranger, but couldnt because she or he spent them, and it was my fault because I authorized the transaction. I had called to cancel the transaction the same day while the transaction was pending. They lied and said there was no record of it. They only have records saying I put in a dispute on XX/XX/2020 which was the same day of the transaction. I clearly asked for a cancellation of the incorrect transaction and they said no problem. Ive stayed on the phone with supervisors for hours while they told me they would re-train staff to give out accurate information being they was supposed to tell me from the beginning there was nothing they could do if I cancelled the transaction or not! I feel robbed when Im supposed to be feeling protected by using the highly secured Citi bank mobile app, as well as confident when I call my bank to cancel a transaction it will be cancelled. I am a XXXX XXXX XXXX XXXX worker, and student with a family to take care of. I cant afford to give away money to strangers! Supervisors told they the situation wasnt right and they wish they could help!
Product: Credit reporting, credit repair services, or other personal consumer reports

RESPONSE TO COMPLAINT # XXXX Dear Equifax, I just received my investigation results. Complaint # XXXX and saw some HARD INQUIRIES were verified. However, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. If you can't provide information to prove how you completed this investigation please remove these hard inquiries from my credit report. 
One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 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.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX, consumer and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Delete these HARD INQUIRIES immediately unless you want to be held liable {$1000.00} per violation. 

XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX ( Retailer ) XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )
Product: Debt collection

The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB.

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.
Product: Credit card or prepaid card

Have tried to contact CITIBANK credit card company numerous times back in late XX/XX/XXXX. Left several voicemails for them to call me back but to no avail. The resolution to the disputed amount of {$100.00} charged by XXXX on XX/XX/XXXX was a decline to apply a credit back to my account. This charge is one of the few others that were being charged by the same merchant and was disputed successfully except for this one. 
Again, CITIBANK and/or XXXX failed to provide proof of authorization of this charge of {$100.00} nor to show what was the charge for. Terms & Agreements of Use of Citibank credit card supplied by customer service DO NOT in any where states that a mere present of a credit card would mean an authorization of purchase. Furthermore, base on Visa Credit Card company, credit card with a chip built-in & " chip scan ready " terminal at the merchant could waive a signature, ONLY APPLICABLE IN THE USA. 
CITIBank is not protecting the interest of its members and appears to be negligence in their investigation of possible misuse/fraud of my credit card info.by the merchant. How could charges kept appearing one after another on my statement AFTER full payment for the rental car was made. No proofs/documents of such can be produced by merchant nor CITIBANK.