23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was told to Contact you, by the office of State Senator " XXXX '' XXXX, New jersey XXXX. 

I applied for a home mortgage in XXXX XXXX, at that time and repeated times after that I had asked the loan officer XXXX lender Representative of XXXX, if I would be able to pay off the loan at anytime with no penalties or fees associated with the loan, his response was " I can pay off the loan at anytime without penalties or fees ''. 
Then, in XXXX XXXX, I was notified by a supervisor from " XXXX ' That I could NOT pay off the loan until XXXX XXXX! 
I asked why, his response was " how can we ( the mortgage company ) make any money if I pay off my loan? 
Then they made me go to a Notary and sign a statement that said as per telephone call, I will not pay off the loan until XXXX, I said what would happen if I do not sign it, they said " Then the Settlement will not take place ''. 
Under undue pressure I was forced to agree, and then signed the paper on XXXX XXXX XXXX, That I will NOT pay off the mortgage loan until XXXX XXXX. 

I feel that for some reason it is Illegal for them to pressure me to sign a paper that protects the Greedy mortgage company to make more money, taken it from me, after telling me I multiple times that I could pay it off at anytime in XXXX XXXX. 

I am ready, willing and able to pay off the Mortgage at anytime, and was willing to do so 1 week after settlement on XXXX XXXX XXXX. 

Do I have any legal rights???? Or do just the Mortgage company 's have legal rights to do and say what every they want, to make money at the expense of the consumer???????
Product: Checking or savings account

I have been waiting for my paycheck to be released for 48 hours now. {$370.00} is what i am owed for my paycheck. The bank has no answers on when funds will be available and have not been giving accurate updates to the customers. This is a huge inconvenience because I have no other income and I have no money. I have no way to buy food or drinks and i have bills due that are now late with past due fees because the bank is holding my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit file and see that there are accounts that I have not authorized, I would like them verified for accuracy immediately as they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$310.00} from XXXX XXXX XXXX opened XX/XX/XXXX after it was removed last year they re submitted it to the credit bureau. Also on XX/XX/XXXX a car lot ran over 7 hard inquiries on me that I did not authorize. And the same go for the following dates XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These items have caused me hardship and pain in my life. My score has went down over 140 points in the past year causing me to go from good credit to poor for something I did not do. Iv called the companies that have these on my record and they stated they don't have any record of me and I will have to contact the credit bureau but they haven't done anything at all to resolve the situation causing more hardship on there end.
Product: Debt collection

I had an outstanding bill of  XXXX  ( for services I did n't know I owed ) with   XXXX   on   XXXX   XXXX  nd I currently receive statements from them just fine via email and at my current address. I paid this debt and even spoke to a rep at  XXXX  and said I was fine and it was from a service rep coming to my house for additional services.   On  XXXX / XXXX /  XXXX   I received a call from a collection agency in Kansas for an unpaid debt with  XXXX , I then asked what this is for and they said for {$100.00} and I said for what and they said for  XXXX . I hung up and called  XXXX . Both the billing dept and Collections dept told me I had a  XXXX  balance with them. Then they told me they could n't help me and I needed to speak to billing again. After telling them I was called by a collection agency 5 times they finally looked into it and stated I owed {$100.00} for a unreturned modem from the previous address. I stated I gave that to the technician. They said they do n't see that in their records. I told them I always pay my bills if I miss a bill I pay it as I have before. I also asked for proof of this as I have received nothing in the mail from them saying I owe this. They could n't answer any of my questions but say they sent it. However I received the  XXXX  statement from them just fine and other previous statements. I also said I called in several times prior and this was never brought to my attention. They said it 's not the rep 's job to look at every account. I sign online and my account says I have a  XXXX  balance and I have no messages or notification. I am not paying for something I gave back and have never received ANYTHING in the mail or email that I owe. They can use the excuse of " it 's a different account '' all they want but my email has not changed so they could of sent an email but they have n't. I feel as this is mistreatment and should be reported so no one should go through this as well.
Product: Student loan

XXXX XXXX I have received my request for ICR and my three loans interest individually are 6.840 7.000 6.310 so that means it should be 6.716 or rounded 6.72 % which we discussed on the phone. The letters said that it will be 6.75 % which is clearly not the correct Interest rate, I mean a XXXX year old can do that math. MEANWHILE they said I could not do this until I was out of my grace period so I have to be in a forbearance until XXXX for approval. I will be accruing interest during this time. With the lawsuit against Navient I just have absolutely no trust in them at all and every time I call I feel like I am being lied to.
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a letter to CITI regarding the following disputed charges : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX, XXXX  XXXX XXXX  XXXX {$260.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX {$220.00} The above-mentioned charges on my XXXX statement represent disputed charges. These charges are far past the allowed timelines to charge back to my card, which represents a clear violation of the MasterCard cardmember agreement on which these charges were initially made. Shortly after, my account underwent a feature change and was converted to the Costco Visa card. However, these charges fall under the Citi XXXX XXXX MasterCard limitations. 
Recharging me for these disputed transactions 6 months later also represents a clear violation of Regulation Z and the XXXX. As such, it can also be considered a violation of DTPA for its deceptive violation of the CardMember Agreement, Federal Statutes, and the MasterCard Billing Dispute Practices Regulations. 
I requested CITI comply with current consumer protection laws and allowable timeframes, as well as provide the required documentation. 
To date, I have not received a response regarding any of these charges listed.
Product: Credit reporting or other personal consumer reports

I pulled my credit report on XX/XX/2023 and found inaccurate account data from XXXX XXXX XXXX XXXX. This account is in violation of certain laws that Congress passed to protect consumers such as myself. 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting.

This account is clearly reporting incorrectly and clearly needs to be deleted immediately because of the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the year XX/XX/XXXX I called the credit bureau to get negative items and inquires off my credit report the credit bureau refused to remove the inquires I saw on my report and items ( inquires ) were removed and placed back on my report they didnt notify me in writing within 5 days and they violate under The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order All other inquiries that are not related to none of the aforementioned permissible purposes must be removed! I did not authorize none of the inquires on my report for XX/XX/XXXX & XX/XX/XXXX. I ask that all inquires be removed off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, I am not an attorney or a third party, I am filing a CFPB Complaint on my own behalf because it is my legal right to do so. I have some accounts that were reported as late during the COVID Pandemic Shut Down. I was told to file a dispute due to the fact we ( U.S. Consumers ) were under the protection OF the CARE ACT. The XXXX XXXX protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020, that allows for accommodations. The following accounts were reported as late XXXX XXXXXXXX XXXXL # XXXX COVID LATE, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/2020, XXXX XXXX XXXX SERVICE # XXXX, CREDIT XXXX BANK # XXXX COVID LATE, XXXX XXXX # XXXX XXXX 2020 XXXX XXXX Please remove the late pay status asap. My income was affected due to the Pandemic shutdown from XXXX. 
I have some issues with unrecognized addresses on my credit file please delete remove the following addresses : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX have inculed my id and mail for proof of address.
Product: Debt collection

I am a XXXX resident and my wages were garnished and continue to be garnished by Midland Funding LLC. Sometime around XXXX Midland Funding purchased a credit card debt XXXX {$1900.00} XXXX allegedly owed to XXXX under my maiden name XXXX XXXX. In XXXX Midland Funding  filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them {$2500.00} and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my maiden name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the sheriff and I never signed for any papers at the XXXX XXXX in XXXX, XXXX. 
I was critically injured in an automobile accident on XXXX XXXX, XXXX and lived with my parents in XXXX, XXXX up until XXXX of XXXX I was arrested on charges stemming from that accident. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were garnished by Midland Funding in XXXX of XXXX. 
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from Midland Funding or their attorneys XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. Midland Funding has failed to send anything to me ever. 
Midland Funding is taking at least 25 % of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of {$2500.00} they have tacked on another {$2500.00} in court costs and " post judgment interest ''. How can I defend myself for a debt that was incurred more than 10 years ago when I have been incarcerated for the past 8 years? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a XXXX parent with a XXXX XXXX XXXX child to support. Please look into this matter for me.
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 USC consumer rights to privacy and confidentiality under 15 1618 Account Name : XXXX XXXXXXXX XXXX Name : XXXX Current XXXX Dated XXXX Account Name : XXXX XXXX Agency Name XXXX XXXX Current Balance:XXXX  Date Reported:XXXX Account Name : XXXX XXXX XXXX XXXX Name : XXXX Current Balance:XXXX Date Reported:XXXX Account Name : XXXX XXXX Agency Name : XXXX XXXX XXXXXXXX Current XXXX Date XXXX Account Name : XXXX XXXX XXXX  Agency Name : XXXX XXXX  Current Balance:XXXX Date XXXX 15 U.S.C 1681 Section 604 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2, States a consumer reporting agency can not furnish an 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 information, other than records of convictions and crimes which antedates the report by 7 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 they are providing is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewal of my consumer report with all three credit reporting agencies, XXXX, XXXX, Equifax, I noticed that there are unauthorized inquiries on my consumer reports. I did not give any written consent or instructions as required by law according to 15 USC 1681b ( a ) ( 2 ).

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 instructions of the consumer to whom it relates. 
Unauthorized inquiries are as follows : XXXX XXXX XX/XX/XXXX Also, there are inaccurate addresses being reported. 
Inaccurate address are as follows : XXXX XXXXXX/XX/XXXXTexas, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas, XXXX XXXX XXXXXX/XX/XXXX Texas, XXXX I am providing a copy my driver license and water utility account for identity and address verification, and a copy of my FTC identity theft report XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i accidently deposited wrapped flare instead of flare into my flare wallet on the kraken exchange. 

After contacting customer support they stated, 'attempting to recover misrouted digital assets is a painstakingly difficult and resource-intensive process, requiring an exacting auditable process with thorough checks and balances. ' then they later stated that they would not assist me in recovering the assets. 

They are holding my assets in their custody and refusing to assist or give me the access necessary to return the funds to my custody.
Product: Debt collection

Please stop my SSN is on dark web for a long time know nothing about this debt please stop call and send message..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard pull from XXXX, XX/XX/XXXX all three reporting companies gave me a hard pull from XXXX, XXXX and XXXX had it removed as I have never tried to get an account with XXXX, Equifax has not removed this hard pull from my account! I need this fraudulant pull removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Began sending letters in XX/XX/2017 to dispute items I believe are not in compliance with the provisions of FCRA and the FDCPA. The accounts in question are Wakefield & Associates and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started since XXXX of this year dispute unverified inquiries with TransUnion. I send them 4 round of dispute letters to resolve this matter. I recently check my report and still have in queries that are hurting my credit score so bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit card or prepaid card

I incurred an interest charge for paying my XXXX balance statement on XX/XX/22 instead of the due date on XX/XX/22. Since I paid my following balance statement ( XXXX ) in full and on time ( XX/XX/22 ), I should have not accrued any further interest. However, I received a second interest charge for almost identical amounts without any valid explanation. The first interest was charged on XX/XX/22 for {$64.00} while the second one was on XX/XX/22 for {$65.00}. 

After failing to receive proper customer service on the matter, I submitted a dispute which was not resolved on my favor without any further communication or discussion. I am still unaware of the reasons for the second interest charge and confused as to why the bank refuses to contact me directly with a valid and acceptable explanation. Their communication and assistance has been poor at best.
Product: Debt collection

I am disputing a claim that was processed and paid on XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX XXXX, GA. I have concerns with inflated cost of service and fraudulent activities. I had a XXXX procedure done on XXXX XXXX, XXXX at XXXX XXXX XXXX. When I sat down to register for the test with a hospital employee, I was informed that if I can pay for the XXXX in cash it would only cost me {$500.00}, if not, they will submit the fee to my insurance company for payment. I advised the registration clerk that I did not have {$500.00} cash and to please submit the fee to my insurance carrier, which is XXXX XXXX XXXX. I also advised that I had a HRA ( health reimbursement account ) with a balance that will cover the {$500.00} cost of the XXXX. I then signed off on a form that stated I am waiving the option to pay with cash and require the hospital to bill XXXX XXXX XXXX ( HRA account ). XXXX XXXX XXXX filed a claim with XXXX XXXX XXXX for {$4200.00}, which is an inflated amount from the initial {$500.00} ( cash ) I was quoted during registration. The claim was processed and paid by XXXX XXXX XXXX on XXXX XXXX, XXXX for {$530.00}, leaving a high balance of {$2000.00} that the hospital is stating I owe them. I have had several XXXX in my lifetime and never been billed over $ 2K for the procedure. I would like this matter reviewed and investigated because at the time of the XXXX in XXXX, XXXX XXXX XXXX was a brand new facility and I am not sure if they were trying to get customers to pay for their equipment by inflating cost of service. I believe they purposely submitted the claim to XXXX with an inflated price of {$4200.00}, which I feel is a fraudulent request because the fee was initially {$500.00} if I paid by cash. What is really the difference between paying in cash OR paying with my HRA account? It should still cost {$500.00} either way. Why did the cost of the XXXX go up by 7 times? Anyway, I should not have to pay the hospital an additional {$2000.00} for a XXXX that they told me cost {$500.00}. They did receive a payment of {$530.00} ( additional {$33.00} ) from my insurance carrier ( XXXX ), covered by my HRA. This means that they were paid in full and I should not have an outstanding balance. They inflated the cost of the XXXX so they can gauge additional funds from XXXX and from myself, which is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit card that is reporting on my credit that is not mines. Someone stole my personal information and have been using it to get credit cards in my name. I need this removed from my credit report immediately.
Product: Credit reporting

XXXX XXXX XXXX/XXXX/15 I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  / XXXX  || Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Date opened XX/XX/XXXX XXXX Account charged off. {$890.00} written off. {$190.00} past due as of XX/XX/XXXX. 
Original balance {$26000.00}
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 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 and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.