23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep getting numerous calls a day from this same company, I answered today and the person was very rude when I was asking her what debt this was for. She said for me to be quiet and that's probably why I don't know what's going on. She said I owed a XXXX XXXX XXXX, XXXX XXXX, which I don't and never had anything to do with either of those entity 's. I told her to send me correspondence and she hung up. I call back to ask what this was for again to find out what is going on and the female was again rude and I said she was real ghetto and she says, Your mama and hung up. I received a voice mail saying something about a check and calling my employer and garnishing my wages for recovery. So, now I am receiving numerous hang up calls from that number, no one saying anything and repeatedly calling. I have had 9 phone calls just today. They said they are with XXXX XXXX XXXX. XXXX. She also said they sent me a letter and I asked when and she said stop acting XXXX. I have no clue what this is for. I have other creditors but not what she is stating. Phone number is XXXX. Sending cease communications letter today.
Product: Student loan

I took out a private student loan with Citibank in XXXX in the amount of {$6400.00} to pay a balance owed on my student account. The loan was split into XXXX disbursements of {$1700.00}, {$1700.00} and {$3000.00}, each with their own loan fees totaling {$640.00}. The interest rate for {$3400.00} was 7.50 % and the other {$3000.00} was 8.00 % ( which increased this month to 7.75 % and 8.25 % respectively ) although my initial understanding of the one percentage rate. I XXXX in XXXX XXXX and I began repaying this loan in XXXX XXXX. Since then, I 've made monthly payments which at this point total {$4500.00} yet Citibank is claiming that I still have a balance of {$6500.00}. I have not any luck in getting Citibank to provide clarity as to how may payments are applied and how I 've managed to pay {$3300.00} in interest but only {$1100.00} in XXXX months nor how I owe {$6500.00} on a {$6400.00} loan.
Product: Checking or savings account

My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my reports/bank accounts. I am requesting that First Horizon Bank - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX delete all false information in they're system or prove the account are valid. This is not reporting on my credit but is stopping me from opening up checking accounts and getting loans as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX  XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 written instructions.
Product: Debt collection

Apparently on XXXX this company, Convergent Outsorcing, is report to the 3 credit bureaus that I owe them {$660.00} on behalf of XXXX. I never agreed to this. They are critically impacting my credit which has in returned had me denied for certain things. I have reached out to them and disputed it mutliple times, so I am now taking this extra step to get this resolved. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple requests but was never given any response. It has been more than 5 months and these accounts are still on my credit report. I have never given any permission to furnish any of this information, no results of the investigation were ever given, and I don't and never recall any of this information provided. 

Im requesting this information per the attached reasonings to be removed per 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards and monetary compensation due to distress, inaccuracies, and reputation.
Product: Bank account or service

Bank of America is refusing to allow a credit back from a vendor who did not have a return policy for products posted in their store at the time of purchase. I attempted to make a return valued at $XXXX XX/XX/2016 and the store would not allow it citing that they would only give a store credit. I attempted to return the item within 9 days of purchase. They refused the items and I contacted Bank of America's dispute department while I was at the vendor. I took several pictures of the register area and surrounding counters and walls showing that there was no posted return policy for a customer to know what the return policy is prior to purchasing- its like entering a contract with someone without understanding the terms until after signing. 
The reason for the return was that I found out that I could buy the products from another vendor for about $XXXX less. In addition, the quality of the items was better at the other vendor. I made this purchase and attempted to return the other vendors items and they refused it. While I was on the phone with a dispute representative at the vendor's store where I wanted to return the products,the bank representative asked the vendor if he would take the items back over the phone and he still refused. He later told a different BOA representative that I had left the premises with the items without making an attempt to return them. By the way, I still have the items and can still return them.
BOA issued a credit but then retracted it after I closed the account - it now appears that I closed the account owing a balance. I would like this to be resolved before it gets reported to any 3rd party agencies.
Product: Credit reporting or other personal consumer reports

I have attempted MULTIPLE times to access my credit report/freeze credit function on Transunions website. It did not accept my email/password combo so i attempted several times to request a new password .... it does not sent a text to my phone nor my email to allow me to reset my password. I tried calling and only a bot MENU is provided and it WILL NOT connect me to a HUMAN BEING in order to correct this. Extremely frustrating ... no options. I'm i a loop that I CAN NOT get out of without their help but I cant get help!!!! This is one of 3 MAJOR credit union protection companies and I was instructed to contact each one to put a freeze / remove a freeze on my account and I can not. 
I tried looking on their website for any contact info and the only phone # posted puts me right back into the same loop and bot menu. Unbelievable!
Product: Credit reporting or other personal consumer reports

I want these 17 separate fraudulent ACCOUNTS, along with 15 separate INQUIRES along with incorrect PERSONAL INFORMATION, appearing on my consumer XXXX credit report which I do not recognize as reported and I did in any which way authorize opening these accounts nor give permission for credit checks, This is the result of identity theft and fraud. These fraudulent ACCOUNTS, consist of a personal credit, hospital bills, personal info. Starting with account aXXXX XXXX XXXX on XX/XX/year>, under the account number ( XXXX XXXX, an auto loan accounts opened at XXXXXXXX XXXX XXXX, on XXXX under the account number XXXX XXXX  ), and a company called XXXX XXXX on XXXX XXXX account number ( XXXX XXXX. The XXXX are the two different dates stated opened on my report, XXXX account number ( XXXX ) opened on XXXX. XXXX are the dats stated opened on my report. XXXX  account number ( XXXX  ) opened on XXXX. This account is on my report twice under different company names, and finger-hut wrote me stating that the account is in my name and sold the account to another company so they don't own it and it is not mine, also the company they claim they sold it too, does not show up anywhere on any of my reports This other company this account is under is XXXX XXXX account number XXXX XXXX  ) opened on XXXX. XXXXXXXX XXXX account number ( XXXX ) opened on XXXX. XXXX XXXX account number ( XXXX  ) opened on XXXX. XXXX opened on XXXX. XXXX XXXX account number ( XXXX ) opened on XXXX. This account is duplicate on my report as well under XXXX  account number ( XXXX  ). These two accounts are under different names that are similar and different account number but same owed amounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is on my report twice under the same name and different account numbers opened on XXXX & XXXX. 

INQUIRES listed below : -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 Other then name and address, and phone number written above are invalid, inaccurate and not mine. Remove. The only name address and number I use is stated above. Remove all that is not that stated above
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measure 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: Credit card

When my husband was told he has a XXXX XXXX XXXX XXXX that is likely XXXX and he will need XXXX everything changed for us. The cost of everything increasing was already making it difficult for us to pay our bills, but the additional medical bills made it even harder. I continued to pay my Discover credit card each month, but the company closed my account anyways. I explained what we were facing but it made no difference and, I guess, my monthly payments were not enough. A few months later, in late XXXX of 2024, a law firm, XXXX XXXX XXXX, sent me a letter saying I owed Discover a large amount. I wrote back in early XXXX of 2024 and stated that I believed there was an error in the calculation and I requested proof of the debt. The letter they sent said they must stop collection on any amount I disputed until they could send proof. They never responded again until I was served yesterday. I am now expected to file a written answer with a local court. How can they sue me when they never provided the proof of debt I requested? I am still frustrated that Discover closed my account when I was making payments! And with the fact that they could not care less that we are facing something really difficult. Discover and XXXX XXXX XXXX have caused a lot of additional stress that seems unecessary.
Product: Checking or savings account

USAA Bank, XXXX XX/XX/2022, I booked a room at a resort, was charged {$420.00} to my card, After booking, they never sent me reservation info, no contact info my info was put in someone else 's name. When I looked on my bank to try to see if I saw a number The name of the company that I went through for the reservation was not listed, I found out there was another company, I immediately called them and told them I wanted to transfer and I told him the reason why, I that the room is in another name, I would not get my money back, and I would not get a credit. I immediately for my bank and let them know what was going on, The bank reversed to charges back to me, I waited for my bank to contact me but never got anything in the mail as I do not do paperless. I was told that I would get something in the mail within 14 days never received it, then I looked at my account and saw that the transaction will receive first back to the company. In my case was considered closed. I explain to the rep that I don't have PDF, and I don't have a computer everything I do is on my phone That's why I prefer they contact me by phone or by mail. Because of them I took the money from my account it causes me to have multiple XXXX  fees for transactions that could not go through I requesting they reverse to XXXX fees and I'm requesting my money we put back into my account. It is important of an individual says that they XXXX information be mailed to them that it be mailed to them. USAA Bank has not been very kind, there was an incident where I had a XXXX  loan and I was assigned a representative through them to help with my processing, The guy told me that I should go and buy my home through someone else and then come back and refinance through them because they just didn't have time to work with me. I continue to stay with my bank because my husband who was a XXXX and a XXXX XXXX  XXXX them so much and it's because of him that I don't close this account even though he is gone.
Product: Mortgage

I am writing to see what help I can get for my clients. Wells Fargo has been absolutely horrible, dragging their feet with a looming Foreclosure date. The day after we asked for our Modification to be reviewed again because we had a change for the better in the clients situation, we were informed of the foreclosure date. We have worked diligently to supply documents to Wells Fargo and were informed it is fax only. We can prove that every fax was received and Wells claims to not have received them. I have been given 4 different fax numbers with agents all claiming that the fax numbers are wrong and only theirs is correct. Supervisors give us the same run around as well. I am 17 days from the sale date and they continue to drag their feet with no help. Can someone please help us ASAP? We have complied with Wells Fargo on every condition and they keep stalling. We need help today. Any assistance would be greatly appreciated.
Product: Mortgage

XXXX, the mortgage note I Signed and prepared by the bank stats clearly as you can see in the attached document that XXXX  should be removed automatically on XX/XX/2021, contacted WellsFargo and they still charged me XXXX  for XXXX, XXXX, XXXX, and it is still there for XXXX payment
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) 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 ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit card

I want you to know that I understand my financial obligation, and if it werent for an unexpected death and a XXXX  XXXX from very close relatives affecting my household and income, I would have been able to continue making on time payments. I had to request personal unpaid time off from work for a mental break. I made a mistake in failing behind, but since then, I have been able to return back to work full-time. I can now officially pick up where I started and continue on a clean slate. 
Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments and update my account on all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Hard Inquires : XXXX XXXX XX/XX/year>. Accounts : XXXX XXXX, XXXX XXXX XXXXXXXX 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: Mortgage

For 10 years, any payment over the billed amount ( which is an interest only payment ) has been applied to principal. Chase Bank has stopped applying my extra payment to principal. This began when I made an interest only payment this summer. Since then they have stopped applying the funds correctly. I have spoken with customer service. The first few times, they made the corrections and apologized for the errors. Now I am getting letters notifying me that payments will be applied to outstanding interest, then outstanding principal. I can only make extra principal reduction payments in a branch or via a separate payment. Can they change payment terms on me? My loan indicates that any changes must be approved by me.