23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to settle a credit card debt from XXXX XXXX  for XXXX credit card in a fair, equitable manner with Tenaglia & Hunt, who apparently purchased this debt. I sent them numerous letters in order to settl
e this matter but they never answered my letters. I also called them but either got voice mail messages, got hung up on or was put on hold for ridiculous amounts of time Instead of negotiating with me in good faith they have sued me in XXXX County Court. 
The lawsuit was filed on XX/XX/2020. They only way that I found about this lawsuit is that I looked my name on the XXXX Court website and found this lawsuit. 
I am a XXXX XXXX XXXX and I do not have a job. I have been diagnosed with XXXX  and XXXX XXXX and am taking the prescription medication XXXX. 
This situation has caused my family and I severe XXXX. 
Tenaglia & Hunt never informed me that they were taking legal action and never tried to communicate with me via phone or mail.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX required per the Law, I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card or prepaid card

On XX/XX/XXXX- XX/XX/XXXX, 26 transactions of {$40.00} and 1 of {$17.00} were posted to my Bank of America Debit card. The purchases were made at XXXX  and amounted in the loss of {$1000.00}. There weren't any alerts sent to prevent this fraudulent activity. 
I filed a complaint with Bank of America and was issued an adjustment credit of {$1000.00} on XX/XX/XXXX. The credit was issued during the pending fraudulent investigation. On XX/XX/XXXX Bank of America sent me a notice stating, '' We've completed our review of the above referenced claim and have determined that no error has occurred in this instance. We now consider your claim resolved. As a result, the temporary credit for {$1000.00} that was previously applied to your account will be removed on XX/XX/XXXX. '' On XX/XX/XXXX {$1000.00} was withdrew from my account by Bank of America, leaving the account with a negative balance of {$1000.00} and no way to receive my unemployment benefits until the deficit is resolved. 
On XX/XX/XXXX I called the help number given on the notice. I was on hold for 1 hour and a half. The claims representative was unable to tell me what evidence was used in the investigation to determine no fault was made by Bank of America or how long a second investigation would take. I was transferred to a supervisor, waited an hour, only to get disconnected without a call back. I called again and requested to speak with a supervisor but was notified the only way to be transferred to a claims supervisor was to wait in the claims queue again. I requested to speak to a supervisor from the number located on the back of my card. I was transferred to the supervisor name XXXX, told to hold, waited for 35 minutes and hung up on. I was hung up on by this supervisor two times. 
I then tried to reach out to Visa and was told they were unable to help because Bank of America is the issuer. I waited again for over an hour and spoke to a claims representative at Bank of America. I asked to speak to a supervisor, they would not transfer me because they needed a good enough reason. When I asked what proof the investigators had that I made those 27 transactions at XXXX, they couldn't answer. The best they could do was open a second investigation. They could not tell me how long this investigation would take.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX  Account Number : XXXX Please remove it from my credit report Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  appeared on my credit report with XXXX  and XXXX stating that I owe a payday company by the name of Easy Money. The collection was placed on filed XX/XX/2018. I have contacted the company directly, and there is no loan taken out. They are not sure of why its on my credit report. I called XXXX   which is the number that shows on the report through XXXX XXXX  for XXXX, and you get nothing but a recording then silence. I researched the company as well and this is a scam. It seems to be going around with the users of XXXX XXXX.
Product: Debt collection

In XXXX, I received a phone call from Choice Recovery whose a debt collection agency trying to collect on a debt. I told them cease collection attempts since I did not know who they were and to correspond only by mail. About a week or so later I received a debt collection letter indicating I owed close to {$400.00} for 2 bills from something that occurred in XX/XX/XXXX. I then sent certified letter to the company requesting " DEBT VALIDATION '' within 30 days and NEVER heard back by mail from said company. I know after 6-8months creditors and debt collections agencies can add negatives marks to credit report so in good faith on XX/XX/XXXX I called and said I'll take ownership of this balance ONLY IF this debt is NOT placed on my credit profile and setup payment arrangement in which the collector XXXX XXXX OR XXXX setup. On XX/XX/XXXX, I received an alert from credit report that BOTH collections account are now appearing. On XX/XX/XXXX, I contact XXXX and asked why, she said their system shows they sent a response in which I told her I NEVER received, she said she don't know why and they cant update my credit report to fix it issue. THIS IS BEYOND ridiculous. I asked to speak with a supervisor in which I was not able to. This company needs to fix their tactic. How does the consumer have right to dispute debt and NEVER hear back from company certified mail ensuring I received a response from them?
Product: Credit reporting or other personal consumer reports

My student loans have been forgiven by the Federal Government. XXXX and XXXX show that I have no open loans and that they are paid off. Experian shows that I still owe {$92000.00} to XXXX. My loan was transferred from XXXX to XXXX in late XXXX. It was then forgiven at XXXX in XX/XX/XXXX. Experian shows the balance at XXXX to be {$0.00}. In early XX/XX/XXXX, I provided Experian with my letter from the Federal Government stating that the loan has been forgiven, a screen shot from the FedLoan.gov showing a XXXX balance. They denied my request to remove the balance from my credit report. Then on XX/XX/XXXX, I provided them with the letter from XXXX stating that my loan was transferred to XXXX. I also provided them with a letter dated XX/XX/XXXX stating that the loan balance at XXXX was {$0.00}. Again they denied my request to update the credit report. They state that I still owe a balance.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence provided, causing an ongoing hard to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In reviewing my XXXX credit report, I noticed that Midland Credit Management has made unauthorized inquiries on my credit report on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no account with Midland Credit Management and I have not given Midland Credit Management consent to access my credit report. I have also not given XXXX permission to allow Midland Credit Management to access my credit report. I contacted XXXX on XX/XX/XXXX to determine what permissible purpose Midland Credit had to access my credit report and was advised by a XXXX representative that Midland Credit may have accessed my credit report to obtain my persona information, such as my updated address, phone number and employer. This unauthorized action has caused me distress, raised concerns about my financial privacy, and potentially impacted my credit score. This makes me feel unsafe and I would like Midland Credit Management 's unethical practices investigated as this violates my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b, as there is no permissible purpose for this company to access my credit information.
Product: Student loan

I had a loan with SoFi and refinanced that loan with SoFi again to get a lower rate.

They funded the new loan and immediately started collecting interest on the new loan before the other loan was paid off ( they have both loans so it should have been quick ).

Both the old loan and the new one were gaining daily interest so i asked support and they said it was their normal process when I asked for my interest back on either of the loans.

I told them that they shouldnt charge me interest on the new loan since I didnt have the money yet. This is because if I had the money, the old loan would have been paid off and no longer accruing interest.

They brushed it off and I continued to get charged interest on both until the repayment settled, but the extra interest was never refunded.

SoFi was completely aware they charge their borrowers double interest when a new loan is being " processed '' and the debtor does not have the money yet. 

This can be a lot of money for someone with a high balance and/or interest rate. SoFI should not be charging interest on a refinancing loan until they pay off the old one they have.
Product: Checking or savings account

Bank of America closed my bank account and when I called and learned this I had ~ $ XXXX in my account. I was told there was no debits allowed in my account anymore, ONLY CREDITS. A few hours later I checked my balance and it said I only had {$900.00} in my account and there was multiple charges and transactions made through XXXX that they say went through. BUT I have the emails from XXXX stating that everyone of those transactions through the XXXX payment method was denied and did not go through. I DID NOT RECEIVE THE FINDS IN MY XXXX  ACCOUNT AND DOD NOT RECEIVE FINDS IN MY XXXX ACCOUNT. BUT MY BANK ACCOUNT WAS DEBITED THESE FUNDS. 
I HAVE THE emails to prove it and the transaction history on my XXXX XXXX as well. I told bank of America this but they ignore me and denied my claim multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For Party : XXXX XXXX XXXX , XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : XXXX XXXX XXXX , XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX Order Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : XXXX XXXX XXXX , XXXX Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX Automated ENotice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XXXX XXXX XXXX , XXXX Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00}
Product: Mortgage

I signed house purchased contract with NVR Home in XX/XX/XXXX and got approved loan from NVR Mortgage in XX/XX/XXXX. At the time the expecting delivery date is between XXXX and XX/XX/XXXX. I decided 20 % down payment. However real settlement date is XX/XX/XXXX and I was able to save more money for down payment. On XXXX XXXX, I email Sr. Loan Processor XXXX XXXX XXXX that I want to increase down payment. He referred me to Loan Officer XXXX XXXX XXXX. XXXX XXXX called me, so I do n't have written record, that I have to extra processing fee in thousands by rough estimation. The better option is to recast afterward which is free in XXXX times. I took the offer. 
In XX/XX/XXXX, my loan was resold to XXXX XXXX. 
After I sold my old house, I call XXXX XXXX, XXXX XXXX XXXX for recast. 
She said that I have to {$500.00} fee. I told her that this is my XXXX recast and it should be free. She said that she had to check with previous mortgage and asked contact information. So I forwarded NVR Mortgage loan officer contact information. 
Several days later, she emailed me that I have to pay {$500.00} and asked me contact NVR Mortgage. I emailed XXXX XXXX and he said the charge is at discretion of mortgage company and denied he said it 's free. 
I had no idea what is recast until he mention it. Had he said it 's not free, would n't I chosen pay higher down payment? 
I feel being deceived. Both mortgage companies are benefit of charging me more.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, ALLY FINCL, XXXX XXXX ) was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( 30-90 days ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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: Checking or savings account

I use a Capital One 360 checking account for direct deposit from my employer. I normally have these funds released to my checking account on Wednesdays. It is now Friday, XX/XX/year>, and I still have not received my deposit. I had to use an internet search to find out what exactly is happening and all I see is that they are experiencing technical issues. I have been waiting 3 days for my money. It is now the Friday before a 3 day banking weekend due to XXXX XXXX XXXX, XXXX day on Monday. I now have late utility bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Credit card on XX/XX/2013, the company name is Discovery Bank they failed to comply with Consumer Laws and has the account shown as a Charge -off which charge off is a canceled debt so it shouldn't be on my credit profile did not send me a 1099c form. I sent them a charge-off letter all they sent me is the receipt it is also outdated which makes it inaccurate information.
Product: Payday loan, title loan, or personal loan

I took a personal loan with PNC bank on XX/XX/XXXX for {$1000.00} with a maturity date of XX/XX/XXXX and interest rate of 15 %, I have been making payments, I was late a couple of times. I called in XX/XX/XXXX and stated that I could not make that months payment and advised the representative to start automatically deducted that payments from my checking account for the XXXX, and every month since then PNC have been deducting XXXX from my checking account and sending me the copy of the checks, so I thought everything was up to date and current, until PNC drafted {$69.00} from my checking account on XX/XX/XXXX. I called in and spoke to a representative that advised me that my account was past due and {$69.00} was the past due payment of {$34.00} and the current payment {$34.00}. I logged into my account to discover that between XX/XX/XXXX to the current that the payments that have been made totaled {$470.00} and {$280.00} is late fee, {$130.00} applied to interest, only {$49.00} was applied to the principal and I still owe {$880.00}, {$840.00} is the principal balance, {$40.00} is fees and {$4.00} is interest on a {$1000.00} loan. I was advised that the {$69.00} payment was to bring the account current. I payment of {$30.00} was sent by my payroll department on XX/XX/XXXX. I started receiving collection calls on XX/XX/XXXX for the {$4.00} difference. I logged on the PNC and made an additional payment of {$10.00} on XX/XX/XXXX. I was told that I would not get any more late fees unless the minimum payment was not made by the XXXX, since then I have incurred another late fee. I have called in several times to attempt to get some assistance with the account and have not been successful. I was contacted by XXXX XXXX in the executive office by email on XX/XX/XXXX and explained to her what happened on the account and she said she would get back to me in a couple of days. I have left several voice mails and spoken to other people in her department and I have not received a response as of today 's date.