23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had advised this company I was considering filing bankruptcy and to stop calling me, and they advised me they didnt have to until I provided an attorneys information. They also failed to read me the Mini Miranda- unacceptable under FCDPA.
Product: Credit reporting or other personal consumer reports

Refinanced with another loan servicer after Nationstar ( dba Mr. Cooper ) bought out previous servicer, XXXX. Refinance was completed XXXX. Received notification on XXXX credit report XXXX that account was 30 days delinquent resulting in a XXXX point drop in credit score. Called Mr. Cooper same day and was informed there was no way to expedite dispute even though the fault is theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer has violated my rights. 

In accordance with the fair credit Reporting Act Santander Consumer USA loan has violated my rights. 

15 USC 1681 Section 602 states, " I have the right to privacy. '' 15 USC 1681 section 604 A section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2022, When I spoke to the customer service rep they had told me would be a soft pull on my credit. I tried to explain this to XXXX around XX/XX/2022 and they weren't having any of it. I would have never asked for a increase had I known they were going to give me a hard inquiry. The hard inquiry was done without my consent.
Product: Checking or savings account

Mt bank Hi ; I need to open a dispute/chargeback for 3 transactions made with my XXXX debit card ending in XXXX. The seller never sent the merchandise to my address and also never provided any kind of tracking or delivery information, also I tried to contact the merchant to get that information but they never answered or replied the several calls and emails I sent to them. 

Transaction 1 : XXXX, posted on XX/XX/XXXX, It was a tablet XXXX XXXX, must be delivered on or before XX/XX/XXXX. 

Transaction 2 : XXXX, posted on XX/XX/XXXX, It was a Tablet XXXXXXXX XXXX XXXX  must be delivered on or before XX/XX/XXXX. 

Transaction 3 : XXXX, posted on XX/XX/XXXX, It was XXXX table accessories, must be delivered on or before XX/XX/XXXX All the goods must be sent to my address on profile, XXXX XXXX XXXX, apt XXXX, XXXX PA XXXX The seller never provided a tracking number or delivery information, I tried to reach them several times by phone and email without any answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I have submitted disputes to each credit bureau for these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX access I did not open these accounts and i just realized their on my report.
Product: Student loan

I have had my student loans since 1997. The principal was originally around {$24000.00}. It has been sold a number of times to different banks. I have made payment on XXXX 's, used forbearances and everything within my ability to make payments. I've ask Navient for information regarding payment historys, but with the loans being sold so many times, i've never gotten close to 20years worth of repayment in order to be forgiven. OR so i've been told. I've raised my 3 children on a single income for the past 20 years and still have made payments on time, every time. 

I was never told that i might qualify for a {$0.00} dollar pymnt using an XXXX rather than allowing the forbearance to build in interest. 

I want to payoff this loan, but ... the {$60000.00}. balance is insane. I have asked Navient a number of times, what I can do and they do not have any options out there for me other than the XXXX. 

I need this loan to be recalculated and looked into by someone. Since its handled through Navient, i don't think I will qualify for any of the government assistance program.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX  DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone # XXXX XXXX XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

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

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

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

Earlier this month ( XX/XX/2022 ) I disputed a collection attempt from Convergent Outsourcing and was told it was resolved and removed from reporting agencies. A couple of days after the dispute it was removed from my credit report. Three days later ( XX/XX/XXXX ), the mark was back on my XXXX credit report and my credit score dropped. I have written confirmation that convergent requested it be removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/29 I received a text message from Wells Fargo fraud Dept supposedly. Saying Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$1100.00} Reply YES or NO Or 1 To Decline Fraud Alerts. I replied No. and immediately started to receive a phone call from Wells Fargo. After answering, they said they were so and so from Wells Fargo fraud Dept and there was some suspicious activity on my account. They wanted to verify some charges. They named off a couple of XXXX charges and then the XXXX transfer of {$1100.00}. The XXXX charges were fine but the XXXX charge was not. I dont even know what XXXX is. He started to tell me that he was going to send me verification codes to cancel my debit card, remove phone numbers and email addresses from my account that were added that morning, and also the person added to the account trying to receive the wire transfer. I was on the phone with this guy for about an hour. After the last code I gave him, the phone disconnected. I then waited about 15 seconds and the logged into my mobile app and thats where I verified that {$8500.00} had been wired out of one of my savings accounts via XXXX to some XXXX XXXX at a XXXX XXXX XXXX XXXX. I immediately called Wells Fargo fraud Dept. Was on hold for about 30-45 minutes before I was able to get to someone. They opened a case and told me they would have 10 days to investigate the fraud claim. They told me that while I was on the phone with this supposed Wells Fargo fraud Dept employee, he had someone else on the other line feeding Wells Fargo the verification codes I was giving him to authorize this wire transfer via XXXX. I did have a missed toll free call while I was on the phone with the scammer. About an hour after I got off the phone, a voicemail came theu stating that it was XXXX from Wells Fargo trying to verify a wire transfer I was trying to make. I just got a letter in the mail from Wells Fargo stating that they will not refund my money because I or someone with my username and password authorized the wire transfer.
Product: Credit card

At the beginning of XXXX I missed a payment ( this was my fault ) due to recent balance transfers and not realizing it was going to start on that day. That was my fault, I called them, and they did a courtesy removal of the late fee. 

I then enrolled in autopay on XXXX XXXX so I could prevent this from happening again. Their system showed I only had a {$2.00} ( yes, XXXX dollars ) payment for XXXX XXXX, and that it would take it out. 

XXXX XXXX came and went and no deduction happened. Again their system charged me a late fee. I manually paid the amount, since I did not want it messed up, while on the phone. However, they refused to remove this late fee even though this error was on them. They refused to acknowledge the error was theirs, saying it takes XXXX6 weeks for autopays to go into effect. 

However, I know for a fact their system was showing it was going to remove this, so yes it was their error. For that matter, in today 's technology, it should not take XXXX6 weeks for something this simple to go into effect. 

I suspect they are doing this on purpose, as the entire balance is a transfer from another card that was supposed to be very low interest, but with the " late payment '' on record they can jack up the interest rate. 

I suspect at this point the refusal to admit their system XXXX up, or maybe even purposely messing up, is done just to get more interest on the balance.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX Balance Owed : {$440.00}
Product: Mortgage

I had XXXX at the end of XXXX to remove a XXXX. It took me till XXXX to get back to work. I tried contacting Rushmore LM from XX/XX/XXXX until XX/XX/XXXX to ask for a repayment or payment plan. Every time i called Rushmore went through the prompts, 30 seconds later the call disconnects, this happened 10 times. I finally was able to reach them on the XX/XX/XXXX asking for a repayment or forbearance.. I went through a ten minute financial interview, the lady told me i needed to be two months behind. Said i didn't qualify at that time for those options yet they send me these resolutions. I tried to contact XXXX XXXX, my point of contact from XX/XX/XXXX till XX/XX/XXXX XXXX. 8 calls with no response. They have also violated my rights under the Respa law. Instead of keeping two months, they had 6 months as of XX/XX/XXXX. Stating they can do this> and have an annual review in XXXX. Then they tried to state they paid my hazard insurance of {$1100.00} in XXXX but is wrong amount and it's not do till XX/XX/XXXX and is paid quarterly
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Negative Remarks from Credit Report Dear CFPB Representative, I am writing to formally request the removal of negative remarks from my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to dispute any inaccuracies and seek corrections to my credit report under the provisions of the FCRA, particularly Sections 602, 607, and 609.

According to FCRA Section 602, the purpose of the Act is to ensure fair and accurate reporting of consumer information, and to protect consumers from the willful or negligent inclusion of inaccurate information in their credit reports. I believe that the negative remarks currently listed on my report do not accurately reflect my creditworthiness. 

FCRA Section 607 requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. I have reason to believe that the negative information reported is inaccurate due to accounts being over seven plus years. And given to collection agencies without proper documentation with my physical signature agreeing to my information or accounts being sold to third party collectors.

Furthermore, under FCRA Section 609, I am entitled to request a copy of my credit report and the sources of the information contained within it. I would appreciate it if you could provide me with details regarding the entries in question, including the original creditor and any supporting documentation. 

In light of the above, I kindly request that you investigate this matter and consider the removal of the negative remarks from my credit report. I have attached any relevant documentation to support my request. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ Attachments : Relevant documents, if any ]
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated. 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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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!
Product: Credit card or prepaid card

On XXXX I paid the total balance of {$1600.00} on my credit card account. The billing cycle was for XXXX thru XXXX. My payment due date was XXXX. In XX/XX/2020 I received a billing statement for XXXX thru XXXX with a balance for interest charges of {$9.00}. No purchases were charged to this account after pay off had been made. How can I be charged interest on a XXXX  balance? I tried to resolve per telephone call. The rep I spoke with, put me on hold 3 times to consult with other, and I was repeatedly told the charge could not be waived or voided. This account is with CAPITAL ONE.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Portfolio Recovery Associates performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with Portfolio Recovery Associates that would justify this inquiry. 

This unauthorized credit pull has negatively affected my credit score and caused undue stress. As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages.

Please investigate this violation of my consumer rights and take action against Portfolio Recovery Associates to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately.

Thank you for your attention to this matter, and I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility and additionally the bank has committed to updating the status to open/never late. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account XXXX  XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I would like to see if Power Finance is following the rules and regulations of payday loan practices. I borrowed {$610.00} back in XX/XX/XXXX, I get paid every two weeks and have been paying them {$180.00} every paycheck and will end in XX/XX/XXXX. 13 payments at {$180.00}. The estimated cost to pay everything is {$2400.00}. So, I am paying roughly a little over {$1800.00} for a {$610.00} loan. Its horrible. I've made a huge mistake by getting the loan but this is highway robbery. The location I loaned from is in XXXX, TX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

I spoke with XXXX of XXXX XXXX online bank on XX/XX/year>. I requested my account be closed and my money sent via ach to my credit union. The amount should be {$XXXX}. He said he closed the account and I would receive my money XXXX days. 
I called back on XX/XX/year> spoke with XXXX, she passed me on to another man who said they were working on it. I called back on XX/XX/year> and spoke with XXXX and he said it was in the fraud dept. I asked him to transfer me to that dept, he would not. I asked him for corporate phone number, he said they didn't have the phone number or a directory. 
There is no fraud.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I called them to try to straighten out my escrow account and after being transferred XXXX times to no avail. I mistakenly, said the word XXXX. they hung up on me for swearing, which violated my first amendment rights and it has gone downhill from there. They have showed me nothing but incompetence in handling my escrow account. I need some help dealing with these people due to the fact, I think I am dealing with a DEI situation, and I will not tolerate that. I am a XXXX veteran with an XXXX beacon score and will not have my first amendment rights violated by anyone. 
I have owned XXXX homes and this is only my second escrow account and I do not feel I should send anyone additional monies that does not have the ability to distribute them correctly. please assist me with this situation before it gets out of hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan company XXXX has removed my file from XXXX  and I have disputed with XXXX  and they removed one payment off of my report but not the whole account. XXXX was in a litigation and has settled to remove bad loans off reports and they have off of my XXXX report. I have proof of the loan erased off my credit report and can send upload. Please assist in this matter in helping clear both my XXXX  and Equifax. 

Thank you, XXXX XXXX
Product: Debt collection

Someone is using my credit cards and is opening up new credit cards and bills
Product: Debt collection

Dealing with communication tactics and improper contact to third parties ( family and relatives ). He has gotten ahold of me multiple times and knows the number to reach me at, but continues to call my husband ( multiple times ) my husbands father, my mother, my brother and possibly others ( these are the only ones who have reported getting a strange call from " XXXX XXXX at CAI trying to reach XXXX XXXX, please have her give me a call back. '' in voicemail. Of course family has googled CAI and his name and found it to be debt collection- which I find in direct violation of FDCPA and my rights. His harrassment continues and when I tried to reach him by phone have been told he is " on a conference call '' and will call me back- so phone calls are always on his terms. He wants me to consolidate this privately held student loan into my federal student loans ( Which I was told not to do due to interest rates skyrocketing ). I explained all of this to him and he continues harassment.