23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

1. They did n't work with me in getting an income-based repayment plan.
2. T  he interest keeps significantly rising. Here 's a history : Today -  XXXX   XX/XX/XXXX / XX/XX/XXXX  -  XXXX    XX/XX/XXXX / XX/XX/XXXX /  XX/XX/XXXX -  XXXX    XX/XX/XXXX  to  XX/XX/XXXX  -   XXXX    XX/XX/XXXX  to  XX/XX/XXXX  -   XXXX    XX/XX/XXXX  to  XX/XX/XXXX   -  XXXX    XX/XX/XXXX  to     XX/XX/XXXX   -  XXXX    XX/XX/XXXX   -  XXXX    XX/XX/XXXX   -  XXXX    XX/XX/XXXX  -   XXXX  +  XXXX    XX/XX/XXXX  to  XX/XX/XXXX   -  XXXX
Product: Credit card

On XX/XX/year>, I received a notice from Avant ( XXXX ) informing me of changes to my Avant Card account, including a significant APR increase to 35.99 % and the addition of a {$8.00} monthly fee ( {$100.00} annually ). Avant claimed these changes were based on my " historical delinquency '' and " utilization of bankcards. '' However, my account has never been delinquent, and I have always made timely payments. 

My statements from XX/XX/year>, and XX/XX/year>, confirm : No past due balance ( both statements show " {$0.00} past due '' ). 
Consistent payments ( {$60.00} in XXXX, {$200.00} in XXXX ). 
No new purchases or cash advances that would justify an APR hike.

When I contacted Avant for clarification, they could not provide a specific reason for these increases other than vague references to " profitability '' and " utilization. '' This practice appears to be predatory lending and could violate the Credit CARD Act, which requires lenders to provide clear, legitimate reasons for major changes to account terms.

Additionally, Avant is forcing me to accept these
changes or close my account, which would negatively impact my credit score. This is unfair, misleading, and could harm consumers who are unaware of their rights. I am requesting CFPB intervention to investigate these unjustified changes and enforce consumer protection laws. 

I have attached my XXXX and XX/XX/year> statements as supporting evidence. 

I have also started making more than my minimum payment, as soon as I made a payment higher then minimum this notice was emailed to me.
Product: Credit card or prepaid card

Commerce bank reported me 30 days late XX/XX/XXXX I have statements from the bank showing I was current as of XX/XX/XXXX they did the same exact thing to me last year the statement shows I paid but then it was never posted to my bank account if you have a current statement from the bank saying youre at to date how can they reported 30 days late later they have a vendetta with me after closing my checking account last year and they never report my billing statement correctly so they hit me for 230 days late in the last year and its incorrect And hurting my credit score on purpose
Product: Debt collection

XX/XX/XXXX my mother received a phone call from the Weinberg Mediation Group concerning a debt of mine. They did not call me, although they have that number on file.They ( her name was XXXX ) told my mom I owed {$420.00} and if not paid that day I would be sued. Even made it sound like I had used my mom 's information to get a credit card. They emailed my mom a statement of who and what was owed. How can they talk to my mom, I 'm XXXX years old and do n't even leave with her. I called Weinberg back and was told on my credit application I used my mom as a reference and that 's how they got her number. I did set up payment because she told me I had to payment is for the XX/XX/XXXX. I really do n't believe I took this credit card out, there are 2 on my report from the same company about 2 weeks apart. I would not of done that. The Weinberg refuses to Validate this through USPS, said they ca n't. Today I called the original creditor and was  told they do n't ask for references on applications. So I know this lady got my mom 's phone number from something else. I just do n't know what to do. I would like more time for this to make sure I did this and its not Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY, I LOOKEXXXX 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 FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) ACCURACY OF REPORT TO THE UNITED STATES CODE 15 USC WHEN A CONSUMER REPORTING AGENCY SERVICE CREATES A REPORT ON AN INDIVIDUAL, THEY ARE REQUIRED TO TAKE REASONABLE MEASURES TO ENSURE THE DATAIS ACCURATE AS FEASIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, On XX/XX/2021 I paid off my account with CURACAO. I submitted a payment in the amount of {$790.00} as full and final payment ( I called prior to submit payment and I was given such amount by automated system ). 

On XX/XX/2021 I received an email from my transUnion report showing CURACAO account as paid off. 

On XX/XX/XXXX, a late payment red flag was added to my credit report by CURACAO. Now, account shows an outstanding balance of {$27.00}. My credit score went down XXXX points on XX/XX/XXXX. 

I reported the issue to CURACAO. Spoke with XXXX, XXXX, and two other representatives in several occasions and they indicated that it was an issue generated by the system and that they will take care of the issue. As of today, nothing has been done. I called this morning and they said " don't worry XXXX, your account shows XXXX balance now '' I said, " that's not the main issue... the main issue is the red flag on my credit report ... the missed/late payment report caused a huge negative impact to my credit score, which I don't think is fair when I paid off my account before my contract is up '' I asked to speak to a supervisor/manager and they just continued transferring my call to different departments. 

I'm extremely frustrated and upset. They should be treating consumers with respect, and stop taking advantage of loyal, reliable, and responsible consumers. 

Very inefficient staff.
Product: Credit card or prepaid card

I have used my credit card when I was in a line with XXXX XXXX XXXX but later moved to another line with XXXX XXXX XXXX but my card was not removed from the Old line. Even I have asked the persons in the old line to remove my card. Even after lot of calls and messages with the persons in the old line they have not removed my card. So, I have changed my card to stop the recurring payments from XXXX XXXX XXXX. I have also called my credit card customer service which is AMEX and asked them to block my card for further transactions for XXXX XXXX XXXX and they blocked the card for those Transactions on XX/XX/2023. I have even asked the AMEX to resolve this problem. I have not used that transaction and raised dispute with AMEX with that transaction which happened on XX/XX/2023. After blocking the card the customer service agent said that further transactions will not be happened because it is blocked. 
Later in the month of may also I have reconfirmed about the recurring payment block by contacting AMEX and they said as it is blocked no further transaction will be happened with XXXX XXXX XXXX. 
Even I have tried to contact XXXX XXXX XXXX about the transactions on my card which I have not used from my side. They are not giving a perfect resolution for my problem. 

Again on XX/XX/2023 there was again a transaction happened on my card which I have not even used. I have again tried contacting both XXXX XXXX XXXX and AMEX but they not giving any resolution for the problem. 
If I call XXXX XXXX XXXX about the problem they are asking to contact the credit card company to do something about my issue. And If I call AMEX they are saying to contact XXXX XXXX XXXX about the issue. 
The transaction is {$180.00} and some cents on the month of XXXX XXXX and {$180.00} and some cents on the month of XXXX XXXX.
Product: Debt collection

On XX/XX/2020, I wrote to Portfolio Recovery, LLC requesting validation and an investigation into items that I believed were inaccurate. 
To date, I have not received any such validation. The only reply I received was a fake letter from XXXX XXXX  dated XX/XX/2020 & XX/XX/2020. Portfolio Recovery fails to provide my request for the alleged contract or other instrument bearing my signature. In my previous request directly to you, I listed my reasons for disputing the information and requested validation. Portfolio keeps deleting and re-inserting the accounts in my credit files. This has damaged my credit score and credit wortness.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX XXXX ( Never Late ) Reported : XXXX. XXXX, XXXX {$9900.00} XXXX XXXX XXXX ( Never Late ) Reported : XXXX. XXXX, XXXX {$0.00}XX/XX/XXXX XX/XX/XXXX ( Paid in Full ) Reported : XXXX XXXX, XXXX {$390.00}XX/XX/XXXX XX/XX/XXXX ( Paid in Full ) Reported : XXXX XXXX, XXXX {$340.00} XX/XX/XXXX ( Paid in Full ) Reported : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$410.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was made aware that the inquiries were not authorized by me and sent the preliminary police report and they have failed to remove them.
Product: Debt collection

THE VEHICLE IN QUESTION WAS A LEMON TO START. IT NEEDED A MOTOR AND A TRANSMISSION WITHIN THE FIRST 6 MONTHS OF BEING SOLD. IT WAS A JOINT SIGNATURE WHICH I DISCHARGED TO MY HUSBAND DURING THE DIVORCE. I DON'T HAVE ANY CURRENT INFORMATION ON MY EX HUBAND. I HAVE BEEN SUED IN REGARDS TO THIS LEMON OF A TRUCK AND HAD MULTIPLE THREATS AND NOW THEY REFUSE TO TAKE IT OFF MY CREDIT REPORT AS WELL, IF I HAD KNOWN THE LEMON LAW AT THE TIME I WOULD HAVE FILED A LAWSUIT AGAINST THEM. I HAVE NOT WORKED IN OVER 3 YEARS DUE TO XXXX AND THEY REFUSE TO TRY TO ASSIST ME ON THIS DEBT THAT IS ALMOST 8 YEARS OLD.
Product: Student loan

I have been trying to enter an income-based repayment plan, however most of my online request forms have been ignored and 2 of them have been put on hold. One of the emails said the request was put on hold until closer to the end of my grace period, however while I 'm in my grace period interest is still accruing and I therefore want to start making payments as soon as possible. I have tried emailing them several times about the issue with no response. Thus I am being forced to make payments outside of a payment plan ( which wo n't go towards my public service loan forgiveness ) in order to prevent any additional interest build-up.
Product: Mortgage

Mortgage back security, there is no such beast, IT IS EITHER OR, AND NON DISCLOSURE, XXXX is now liable for holding a forged instrument, ACTING AS FRUADSTERS PIRATING MY TRUST AS WELL AS XXXX AND XXXX.. I have no contract with XXXX, XXXX nor US BANK, XXXX, OR XXXX, nor do they have one with me, I XXXX any way spelled, withdraw any signatures that has fraud and forgery INSTSRUMENT, as XXXX ( XXXX. AND XXXX.. EVERYTIME ANYONE ACTS UPON THIS FRAUD WILL HAVE ACRUED CHARGES OF XXXX AND WARRANTS APPLIED THAT MAILS ME OR ANYONE ELSE AT MY ADDRESS TRICKING SCHEME INTO A CONTRACT, AS IN MY TRUST OR LEGACY TRUST OF ANYONE IN MY FAMILY, AND NOT TO HAVE FRAUSTER REAL ESTATE TASK FORCE OR HIRED MERCINARIES COME AGAINST ANYONE TO FORCEABLY ENTER OR CLAIM, YOUR ACTIONS ARE A CONSTITUTIONAL, RESTORED REPUBLIC UNDER DONALD TRUMP OR SUCCESSOR. YOUR FORIEGN PIRATES AND ACTING UPON UNLAWFUL LAWS OF THE LAND. cfpb IS NOT A CONTRACT BUT TO FACILITATE THE FRAUD PERPATRATED UPON THE PEOPLE. USING COMMERCIAL PAPER ON HOMES IS UNLAWFUL AND NOW YOU ARE LIABLE WITH ALL OTHERS TOP TO BOTTOM. MR. TRUMP HAS BEEN NOTIFIED AS OTHERS. I SUGGEST YOU BEEN BOW OUT OF THE TRUSTEE POSITION AND XXXX CLAIMING A TRUSTEE POSITION AT THE SAME TIME, AS WELL AS THE XXXX TRUSTEE FRAUDSTER POSTITION AND NOW IN HIDING. SAME WITH THE ATTORNEY. ALL HAS BEEN DEFRAUDED FROM THE VERY FIRST FRAUD REAL ESTATE CONTRACT, HOMES AND LAND ARE NOT ... .. AGENTS ARE PRINCIPLE FRAUDSTERS AND SO YOUR YOU WITH YOUR FIAT AND PAPER, NOW YOU WILL HAVE TO SHOW A TITLE TRAIL AND PROOF THE SELLER OF MY PROPERTY HAS BEEN PAID OR GO AWAY AND REMOVE THE FRAUD LIEN, THE XXXX TOOK ALL LIENS AND YOUR FAKE LAWS OUT XXXX, AND YOU CONTINUE IN THIS SCAMING THE PEOPLE. AGENT TO PRINCIPLE, PRINCIPLE TO AGENT NOTICE, I HAVE CLAIMED MY LAND AND HOME AND PERSONAL EFFECTS, AND HAVE A NOTICE OF DEFAULT UPON CHARGES AGAINST YOU NOW. ANYTHING THEREAFTER IS XXXX. XXXXYou can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and 1122 AB Material Violation XXXX Transfers and servicing of financial assets - XX/XX/2016 - Sale of mortgage servicing rights with a subservicing ... 
Regulation AB mortgages, installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortGage Violates 1122 AB under the SEC once you divest your collateral its gone, bye bye so what are they foreclosing on? 
THERE IS NO MORTGAGE!!! BONDS ARE SLAVERY AND WAS ABOLISHED! 
XXXX AND XXXX FRAUD UPON THE PEOPLE
Product: Mortgage

I am writing to alert you of fraud concerning my mortgage. I was alerted through a letter from M & T Bank that a pay off statement was requested from them. I received a letter to this regard dated XXXX XXXX, 2016. This is the letter stating now fnma-lakeview now owns my account. Which I never authorized any transfer of such things. There is a XXXX law firm constantly involved in fraud concerning a probate attached to this loan. My home is involved in a large plot of lands. I in no way afforded such people to own or transfer anything from my account. I have this mortgage merely to stop this kind of fraud from happening. I own these lands outright. There should not be any mortgages on any such properties or lands within this probate. Nor should the address or authority have changed. The parcel associated with this loan is XXXX or community XXXX panel number XXXX. I found a group boasting that they stole the probate through the transfer of the home attached to the loan. Please check into these things. The XXXX law firm attempted to steal a home attached to this probate in Delaware in previous years. They were unsuccessful. I would like any loans associated with this loan and homes or parcels checked into. There was only XXXX mortgage, it just got sold and resold never authorized. I show that many of these mortgages were placed on other parcels using the probate funds to pay such mortgages. I am the owner of this mortgage.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all inquiries was fraudulent and i do not recognize
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX as 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. XXXX, XXXX, Experian, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ), XXXX and/or any other private/public sector credit agency/bureau written consent or instruction to furnish said reporting. 

15 USC 1666 B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
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. 

I told XXXX, and Equifax to reinvestigate these accounts : accounts : Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX name : XXXX XXXX XXXX XXXX .Account nameXXXX  XXXX  Account name : XXXX XXXX XXXX, XXXX. Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXX ..However, they stated everything wascomplete and accurate. But how is that possible if the open date, date of XX/XX/XXXXXXXX XXXX activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
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.

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 b
y more than seven years.

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

Advertised everywhere that people can open an account entirely online. They go through the process of opening an account, then request you go to a branch to verify your ID or they will close your account. Entirely misleading.
Product: Checking or savings account

So my account was negative by around 100 dollars and my account was closed without notice onXX/XX/XXXX. I was planning on having my tax refund deposited in it so I wasnt depositing any other money in it but my tax refund was delayed due to some errors on my end.

I went to commerce on XX/XX/XXXX and paid my balance but they refused to reopen my account.

On top of that, my account being closed now shows up on my credit report and I am unable to open another bank account despite resolving the issue. I called the reporting agency and they said I have to pay {$300.00} to have the flag removed. It wouldnt be a major issue but I am starting employment with the XXXX XXXX XXXX XXXX next week and the XXXX requires I am paid via direct deposit. I believe they also run a credit report for employment and Im worried that will terminate my employment. Im being held XXXX  by a credit reporting agency. My complaint covers two categories but it all stems from commerce bank.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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. If been sent faulty products and scammed out of money.

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 reporting, credit repair services, or other personal consumer reports

To whom it may concern I've opened an account with CreditOne bank in XX/XX/XXXX and been late twice due to major XXXX in XX/XX/XXXX which took 3 months to heal and has not been late ever since. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX XXXX XXXX in XX/XX/XXXX and missed XX/XX/XXXX payment due to Major XXXX, Since then My account have been paid on time. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a Nostrom store card in XX/XX/XXXX and missed one payment in XX/XX/XXXX due to job layoff however, since then, my account have been in good standing. I have sent Nostrom a  goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX XXXX XXXX XXXX XXXX account in XX/XX/XXXX and never missed a payment, However my report is showing the payment was missed in XX/XX/XXXX, I have called many times and also sent letters to rectify this matter and its been 3 years later and the missed payment is still being reported.