23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX, violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account XXXX XXXX, has violated my rights. 
XXXXXXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # 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
Product: Student loan

I paid off all Mohela loans in XXXX, 2023. My online account shows that I have a balance and have a past due amount.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX and XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXX XXXXnd 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 XXXX, XXXX, XXXX, AND XXXX 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. XXXX XXXX XXXX  and XXXX XXXX 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: Mortgage

On XX/XX/XXXX Mr. Cooper claimed to have received the only RESPA Notice of Error I have sent them in XXXX dated XX/XX/XXXX. See attached. Nationstar accepted an over charged amount for late fees of {$2800.00} and internally allocated {$11000.00} indicating an inaccurate XXXX late fee payments were made. Nationstar mailed me XXXX false outbound account reports concealing this fact in lines XXXX. XX/XX/XXXX the company 's counsel sent me by email an internal account history claiming XXXX inaccurate allocations of {$2700.00} and XXXX of {$110.00} and I verbally disputed this and XX/XX/XXXX Nationstar again sent their counsel a false claim of these lines being updated in a letter through the mail dated XX/XX/XXXX. I used this statement to rely on to govern myself through court pleadings and XXXX invalid agreements with Mr. Cooper. 
XXXX through XXXX of XXXX I requested a copy of the account history and received XXXX XX/XX/XXXX and XX/XX/XXXX that disclosed fraudulent concealment of the inaccurate late fee payment allocation that negatively impacts my ability to apply for residential lending. XX/XX/XXXX I noticed Nationstar. They unlawfully acknowledged my clear claims XX/XX/XXXX stating falsely they received the RESPA notice XX/XX/XXXX. 
Mr. Cooper as of XX/XX/XXXX has ultimately failed to claim no error exists, failed to respond within the 30 days of the XX/XX/XXXX notice or within 30 days of their claim of receipt of the valid RESPA Notice of ERror in payment allocation, leaving unearned never performed lender fees of {$2000.00} sitting in a still currently open suspense account and leaving {$11000.00} allocated toward deferred and current late fee payment when Mr. Cooper accepted an over charge without refund of {$2800.00}.
Product: Checking or savings account

WellsFargo started charging me {$5.00} per month since XX/XX/XXXX on my savings account. I did not notice these fees as my balance in this account was {$100.00} or less. I have two other additional checking ( average balance of $ XXXX ) and mortgage accounts with Wellsfargo which I use to do all my other business. 

When I spoke to their agent in XX/XX/XXXX they said you have to have a {$300.00} minimum balance not to incur these fees. the fees were labeled as " monthly service fee ' I had received not prior communication that there was a fee or i did not receive it when reduced the funds in my account to {$100.00} ... ..... 
I noticed after the fact that the {$5.00} fee is mentioned on the website but you have to search for it. 

I find this very unethical. How does a bank charge you fees for using your money in the savings account? I would like a full refund but more importantly why should a bank be allowed to charge you for doing absolutely nothing or for using your funds.
Product: Mortgage

LendingTree is putting out false advertising. I saw an ad that said " Don't borrow from the bank - borrow from yourself. '' I clicked on it and it led me to a typical loan application website for LendingTree without any explanation that I was applying for a loan. A customer representative called me right after I submitted an application and told me that he would get me a conventional mortgage. What is " borrow from yourself '' about a conventional mortgage? They should have put " don't borrow from a bank - borrow from a mortgage company '' which would at least have been true rather than faking an alternative loan product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported my credit score as XXXX. They have accounts in my report that say that I am my deceased mother. They also have several wrong names, a wrong address, a wrong birthday and a wrong social security number. I downloaded the Experian app to view my report. They say to call because it is a security risk to fix the problem online. When I call I can not get a person or an answer to my problem. The recorded message is all broken up sounding. The most information that i have gotten from calling 3 different Experian phone numbers, is to send a list of items to fix the problem. The time line is at least 30 days. I need this issue resolved sooner than the next few months.
Product: Checking or savings account

On XX/XX/2021, XXXX XXXX, a Wealth Relationship Manager at Citibank, informed me of a promotion going on at Citibank ( deposit {$50000.00} into a Citi XXXX account and receive a {$700.00} bonus later on ). On the phone, he did not mention too many details. I initially transferred the money from another Citi account ( granted, I did not realize at this time the money had to be " new to Citi '' ). 

On XX/XX/XXXX, XXXX notified me that the deposit was ineligible ( as it was not external ) and told me that I would not be eligible for the bonus. I was more disappointed that he notified me after the 30-day rule that stipulates " Within 30 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$50000.00} or more in New-to-XXXX Funds into the new eligible checking account. '' This delayed communication seemed to be deliberate to avoid payout of the bonus promotion. 

XXXX went on to mention that I could deposit {$50000.00} more into Citi ( from an external account ) and that he would submit an appeal on his end in two more months. He did note that this was not a guarantee. 

On XX/XX/XXXX, I was notified that I would not be eligible. I called customer service at Citi and they read off the letter I was already sent and were of no help. 

Citibank should NOT have conveyed that I could be eligible for the bonus. The delayed notification in the beginning now seems deliberate in order to hold my capital for a longer period of time with no intention of paying out the bonus. This was a bait and switch tactic to maintain a hold on my capital for a longer period than conveyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Afni, XXXX Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Creditor Account # : XXXX This letter is to verify that the account listed above has been closed as settled. If information on this account has been reported to the credit bureaus, XXXX will send notification to the credit reporting agencies with instructions to accurately reflect its current status. 
If you have any questions, please contact our office toll free at XXXX Monday - Friday XXXX - XXXX CT. 
NOTE : This is a receipt for payment. However, if the payment received is later determined to be invalid, collection activities will resume, and the balance will again be owed. 
You have the right to inspect your credit. This letter is from a debt collector. Sincerely, XXXX, XXXX. 
XXXX reditor : XXXX, subsidiary of XXXX Original Creditor : XXXX Account # : XXXX Reference # : XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX https : XXXX XXXX Hours ( Eastern Time ) : XXXX AM XXXX XXXX M Th XXXX XXXX XXXX XXXX F XXXX XXXX XXXX XXXX Sat. 
This is to inform you that we have received payment ( s ) totaling {$350.00}. Your last payment was received in our office on XX/XX/2021. 
XXXX is now part of the XXXX XXXX. 
Your account has been settled for less than the full original balance. All future collection efforts have ceased, and the residual balance will remain with XXXX. 
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this settlement offer ; if any payments ( s ) made as part of this agreement fail to clear, this letter will be null and void. 
XXXX XXXX, Senior Vice President of Operations NOTICE : This is a communication from a debt collector. 
SEE NEXT PAGE OR ATTACHMENT FOR IMPORTANT NOTICES AND CONSUME
Product: Debt collection

XXXX XXXX debt collection has been continuously harassing me! They call me multiple times a day, sometimes over 5. They call at all hours and every day of the week. Ive tried to get the original company info and they havent responded to me. Ive asked them to stop calling me and they respond with abusive language.

Every day they call i tell them to stop or Ill contact a lawyer. I have all the dates and times they call me on file.
Product: Debt collection

Provide Company a letter to remove me from any collections as bills is not mind
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO  Opened Date XX/XX/, 2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting

There should only be one name and one address on my credit report : XXXX, XXXX Wisconsin XXXX. This is the only name and address that should be used on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXX XXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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
Product: Credit reporting, credit repair services, or other personal consumer reports

eqyuifax customer service would not help and take care of the negative inquiries reporting to my credit report XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXXXXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX
Product: Debt collection

Sooo many calls from the scam bank XXXX  # XXXX and many, many more different numbers. 
They are calling for a XXXX XXXX XXXX ( not our name ) who owes XXXX XXXX money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies have 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 an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXX | XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | Inquiry XXXX XXXX | Inquiry
Product: Checking or savings account

On XXXX XXXX my Netspend checking account was charged XXXX. This transaction was done in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Posted on XX/XX/XXXX at XXXX AM Debit : ATM Cash Withdrawal at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX - {$400.00}. I contacted Netspend right away on XX/XX/XXXX. Netspend opened up a despite claim. I was told to email them a despute statement. In which I did on XX/XX/XXXX. Netspend did not give me a credit because they said I never emailed my despute statement. The investigation lasted till XX/XX/XXXX with the despute result as denied. Netspend stated that XXXX stated there was not an error in the transaction. I didnt authorize this transaction this transaction was done in XXXX  and I live in XXXX XXXX  XXXX Netspend has not emailed me nor send me the documents showing me the reason for the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 XXXX XXXX closed an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department file number XXXX  but she has yet to respond to me.
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affiliates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX. I have provide everything that i was told to do by the CFPB, FTC and the Police department to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information
Product: Mortgage

Between Friday XX/XX/2019 and Monday XX/XX/2019 I received more then TEN phone calls, voice messages and/or texts from either XXXX, XXXX XXXX or XXXX XXXX. Each phone call began with : concerning a loan application I submitted. 
I have NOT submitted an application to any lending institution. 
Three of the numbers : XXXX and XXXX and XXXX. 
I told the caller I had not applied and to please place me on their " Do not call list ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Product: Consumer Loan

On XXXX/XXXX/2015. I made a complaint on Santander Consumer USA about my car loan. I have since spoken to different people again. I spoke to a XXXX, who stated he was with the management team. However I still DO NOT see any results. Again on XXXX/XXXX/2015, my statement said my principal was {$8700.00} and the ESTIMATED payoff was {$8800.00}. On XXXX/XXXX/2015, I made a car payment of {$470.00} and on XXXX/XXXX/2015 I made a principal payment of {$1000.00}. On XXXX/XXXX/2015, I received my XXXX statement. It showed a principal of {$7400.00} and a ESTIMATED payoff of {$7500.00}. On XXXX/XXXX/2015, I made a principal payment of {$1000.00}, on XXXX/XXXX/15 a car payment of {$500.00} and again on XXXX/XXXX/15 another principal payment of {$1000.00}. I check my account on XXXX/XXXX/15 and it shows an ESTIMATED payoff of {$5000.00} ( HOW ). I 'm BEGGING for some help with this matter. I just want to be treated fairly. Can someone PLEASE assist me with this matter? PLEASE
Product: Debt collection

XX/XX/XXXX. Receive taped phone call from XXXX XXXX, XXXX, threatening legal proceedings against my husband for a debt that was resolved in a bankruptcy XXXX action between XX/XX/XXXX-XX/XX/XXXX. Said my husband was responsible because he was not named in bankruptcy. Gave her my lawyers name ; she didn't care and said if not resolved by XX/XX/XXXX, a process server would come to our house or place of employment to serve legal action documents. Original holder of debt was Bank of America, but as I said, they were notified of bankruptcy action and they failed to respond. 
These threatening phone calls have been made several times over the course of the last 15 years, always from a different debt collector. This one was just the most recent.
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 advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX.XX/XX/XXXX DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. DISCOVER IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT DISCOVER HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

DISCOVER FINANCIAL SERVICES Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX
Product: Credit card or prepaid card

Please see case # XXXX for full details. 

They have not responded to me or given an update since their initial response on XX/XX/2022. They said they have " reopened my case and are re-evaluating my claim ''. 

They are clearly kicking the can down the road and hoping that I give up. 

Please light a fire under them. They have been jerking me around for months now. I have a legal right to be reimbursed for fraudulent transactions, and this company is clearly violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Equifax, and XXXX for failing to resolve inaccuracies on my credit report after multiple disputes. 

Account Not Marked as Disputed : The credit bureaus have not marked my disputed account as disputed, which violates the FCRA. 

Incorrect Date of Last Activity : The date listed for the last activity on my account is wrong. It should be the last payment date, not the current date. 

Unverified Collection Account : The collection account has not been properly validated, even after my requests, which violates the FDCPA. 

I request that the CFPB investigate these matters and ensure the credit bureaus correct the errors and follow the law.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2024 I contacted Transunion, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 usc 1681a- ( e ) " 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 ''. According to 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 CONSUMER 'S RIGHT TO PRIVACY '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.