23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Heartland ESCI charges for all payments except for AutoPay. It is a {$2.00} charge to pay online and a {$10.00} charge to pay over the phone. These fees are excessive and unfair. You should not have to pay a fee to pay your bill.
Product: Mortgage

We were in the process of selling our home and needed a payoff from XXXX to gear if it was feasible to be able to sell our home. I contacted XXXX in XX/XX/XXXX and was given a payoff of XXXX and asked them if there was any other debt assigned to the property and they said no, so we proceeded in selling our home. We received an offer in XX/XX/XXXX to sell our home of XXXX, and we accepted it. Closing was set for XX/XX/XXXX. My lawyer XXXX XXXX found that there was another lean on the property and immediately contacted XXXX for additional information. XXXX was less than cooperative to resolve the issue and did not resolve till closing date. Closing came and 1 hour into closing the sale of the property We were informed that we needed an additional XXXX for the sale of the property and if we did not pay it we may have a lawsuit or have to file bankruptcy. What had happened there was a non interest subordinate loan on the property from Hud and XXXX never disclosed it. This was set up by XXXX XXXX in XX/XX/XXXX from a modification. the loan was sold to XXXX and the modification was no longer disclosed by XXXX in any form. We would not have sold our house if we knew that loan was still outstanding. We ended up putting ourselves in deeper debt to close on the property. We were severely mislead by XXXX and there complete lack of service. XXXX responded and put the blame on XXXX. Now we are going back and forth who is responsible for servicing, and how do I know if this loan was paid off. The account that you are referring to within the complaint was not serviced by XXXX but was a Subordinate Note ( Partial Claim ) that originated on XX/XX/XXXX, with your prior loan servicer ( XXXX XXXX XXXX  ) in the amount of {$18000.00} ( see enclosed copy ). The documentation identifies that Housing and Urban Development ( HUD ) was the lender and payment shall be made to HUD or any such place the lender may designate, which was not XXXX. Our records reflect that the account XXXX is servicing was originated on XX/XX/XXXX, with XXXX XXXX XXXX in the amount of {$260000.00}. XXXX does not have any documentation that a payoff was requested in XX/XX/XXXX as asserted within the complaint. On XX/XX/XXXX, XXXX received your request for a payoff on the above referenced account. XXXX provided you a payoff on XX/XX/XXXX, for the loan were servicing, identifying {$220000.00} was due to satisfy the loan. As XXXX was not servicing the Subordinate Note we would not be the entity that would provide you directions to pay it off. On XX/XX/XXXX, XXXX received the payoff on the account we serviced and on XX/XX/XXXX a notice that the account was paid in full was sent to you. If you have any further questions, you may contact XXXX Customer Service Department toll-free at XXXX, Monday - Friday XXXX XXXX to XXXX XXXX., and Saturday XXXX XXXX to XXXX XXXX. CT
Product: Debt collection

On XX/XX/XXXX, I noticed XXXX collection accounts showed up on my credit card report from XXXX ( procollect.com ), and these debts do not belong to me. Someone stole my information and used it info sign the lease. 

I immediately contacted them and asked them to remove these accounts under my name, they asked for a police case ID, and I provided it. However, XXXX months later, these accounts are still under my name, hurting my credit score.
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 155 USC 1681 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602.A States I have a right to privacy 15 USC 1681Section 604.A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( 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 that records of conviction, other that records of convictions of a crimes which antedates the report by more than seven years 15 USC 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: Debt collection

XXXX XXXX just today sent a letter through this site saying date was XX/XX/2012, I was disputing this date on my LAST complaint along with the DEBT even being owed. I have a letter that XXXX XXXX sent through this site a few weeks ago stating the debt date is XX/XX/2012. This claim was closed, but as you can see with my newly attached letter the date was incorrect! If the date was supposedly verified and is incorrect how can any of the other information be verified as true? XXXX XXXX has been unethical and now downright false in " verified '' information. I would like for this to investigated, corrected and removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. 
With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as well as any account on my Experian report as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In and around XX/XX/year>, I filed a dispute with XXXX  in regards to trade lines that are not reported on my consumer file XXXX XXXX to credit cards from credit XXXXXXXX XXXX  and two credit cards from XXXX XXXX XXXX  that I'm not reported also XXXX XXXXXXXX credit card which was removed from my consumer five I would like due to count to the investigative and place back on my consumer file so it can boost my credit score I'm providing documentation of the accounts it is well documented that Equifax have not been fully investigated reports from the cfpb which they were just recently sued I do not want to fall in between the cracks please investigate and put these accounts back on my consumer report
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 XXXX XXXX have two fraudulent accounts reporting to my consumer report. Im placing my police report for the 3 consumer reporting companies to block this account at once I wasted to much time trying to have this frozen that account removed from my consumer report. 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, credit repair services, or other personal consumer reports

I have submitted 2 CFPB complaints and I sent several requests to investigate a few inaccurate accounts on my credit profile on XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. It has now been 90+ days since I sent my inquiry, but I have yet to receive a response. I'm looking to purchase a home and these inaccurate records on my profile are stopping me from achieving my dreams.
Product: Vehicle loan or lease

In accordance with the fair Credit Reporting Act ( Westlake Portfolio XXXX  ) Account Number ( XXXX ) has violated my rights. 15 U.S. C 1681 section 602A 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 Im requesting for this charge off to get removed off of my credit immediately!

And requesting a 1099-C immediately Westlake Portfolio XXXX  Account closed and chaged off My account number is XXXX It was charged off in XX/XX/202XXXX XXXX
Product: Mortgage

I contacted XXXXXXXX XXXX XXXXXXXX about obtaining a reverse mortgage. I was told that I was eligible for a loan of $ XXXX, but after they " chiseled '' me down with fees, etc., I was to receive a check for less than $ XXXX at closing. What a scam. I declined. 
A friend of mine with his " back up against the wall '' dealt with that company that has those commercials with XXXX XXXX. He said that they're no better, they're all the same. He had no choice but to go through with it. He called them the " XXXX XXXX XXXX ''. 
This industry needs to be regulated. What they're doing is swooping down on people in financial trouble and profiting from their misfortune.
Product: Debt or credit management

I was targeted to pay upfront fees and tricked into signing up for credit repair services.
Product: Checking or savings account

I am submitting a formal complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when my transactions were authorized, I was charged overdraft fees due to delayed posting of charges and credits. 
This issue aligns with the recent CFPB findings against Navy Federal, where transactions settled with insufficient funds despite initially having available balances. I believe these practices are unfair and request a thorough investigation into my account transactions
Product: Money transfer, virtual currency, or money service

I needed to transfer funds out of my Venmo account and I wanted to also close the account after the fact. My account had been frozen and so I worked with them to unfreeze it by providing them the information that they requested. They said it was unfrozen and that I could transfer the money to my bank account. I went through the process on their site and then never received the transfer to my bank account. They then closed the account that they had on file so I now no longer have access to $ XXXX it's in the account. I tried several times to call them and they said that they could only fix it through email but often times I got only automated responses in the emails. This is been a year-long process of trying to get this corrected and it still is not fixed. I have double checked with my bank and with my bank statements to make sure that I didn't miss receiving the transfer. They were also demanding bank statements from an unrelated bank account that was closed well over 5 years ago as part of proof even though I provided all of the other bank statements and paperwork that they requested. I'm unsure of no whether or not that was actually required. I would just like to get my money transferred and close out my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score XXXX  XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years I have attempted to clear up the public record bankruptcy on my file. According to the court documents the person is XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The names are similar, but not the same. I have contacted the court house and bankruptcy court and both have told me that they have not reported to the credit companies. I also contacted XXXX XXXX several times with no help as they are the company who is reporting this.
Product: Checking or savings account

My complaint is with Wells Fargo with whom I have maintained a checking account since XXXX. I opened my account in XXXX, NV. In XXXX, I moved to XXXX for further studies and informed the bank prior to my relocation -- to avoid them thinking someone else was using my ATM card. My bank card has since expired on two occasions. On the first one it was replaced without problems. The most recent expiration occurred in XXXX XXXX in the middle of the pandemic -- when international mail/travel slowed or ceased. WF mailed a replacement card which I received. I waited for the follow up mail which would have included pin, but never received it. I contacted the bank in XX/XX/XXXX, XXXX, XXXX and the last contact was on XX/XX/XXXX to try and have the bank help me obtain a pin for my new card or a replacement card, because I never received a pin that came with XXXX XXXX replacement card. The bank verified who I was over the phone by asking me my address, my username, my transactions etc. Because of my cellphone is XXXX, the verification code they send fails. But all the other forms of verifications they request I have completed and complied with. I can't access my funds to pay bills using a wells fargo card. And the bank 's only answer is " well, wait till you come back to the US and physically come to a branch '' a really unreasonable ask -- given the travel bans or even the unreasonableness of what I have to do just to get a pin sent to the address I have on file.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am a XXXX survivor, I was laid off from work then I was hospitalized, when I was well enough I reached out to capitol one to explain and notify that I have missed the XXXX payment due to being in an Covid-19 impacted area and being hospitalized and asked if I could get an extension on payments until XXXX with no late fees and interest payments, which I was told would be honored, until my health insurance was being debited and the card declined due to the fact that Capitol one charged me late fees and interest fees for the month of XXXX and locked the card, I tried to pay my health insurance and was advised that I could only use the card on file due to everyone working from home, they are not allowed to take or change customer finance information on file. I reached out to Capitol One and they clearly stated that they were not honoring the directives of the Cares Act and demanded that I pay the minimum payment due before they would release the card so I can pay my health insurance. I was extremely ill and this is the time that they chose to take advantage of me. I was charged a late fee and charged interest payments for the month of XXXX that they stated will not be removed, which is a clear violation of the Cares Act
Product: Money transfer, virtual currency, or money service

I posted a bed on XXXX  to sell for {$700.00}. This person contacted me via a XXXX  email account and provided a cell phone number to contact them with : XXXX. The deal was that he was going to mail me a check, and I would cash the check. Once the check cleared, he would set up movers to come pick up the bed. He told me that I had to pay the movers for him, so the check he would be sending was for more money then how much the bed costed. I assumed that meant I would pay them in cash. He said he could not come see the bed in person because " he was at distance '' ( he spoke in broken english ). The check was sent using the USPS, tracking # XXXX. Sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX. It arrived on MondayXX/XX/XXXX It was a cashiers check from the XXXX XXXX XXXX for {$2200.00}, and appeared to be real. I deposited it using my Chase Mobile app, by taking a picture. Chase then emailed me that night saying " my deposit had been accepted ''. The funds were made available immediately in my account, so obviously i assumed that meant it had cashed. Then, the person told me that to pay the movers, I had to wire the money to them using XXXX. He told me to wire {$1400.00} to XXXX. My bank, Chase, uses XXXX   for Chase Quick Pay, so I trusted the service and used it. I wired the money and he told me that the movers would come pick up the bed that night. When the money did not arrive right away, he also told me to try wiring it to " XXXX XXXX '', at XXXX. The movers never came, the person stopped responding to me, and then Chase put a " hold '' on my account for {$2200.00}. It turned out the check was a fraud, but it was too late, I had already wired {$1400.00} to that email address. When I reached out to Chase to file a claim for fraud they told me there was nothing they could do because I was the one who deposited a fake check and I was the one who wired the money. It was the perfect scam. XXXX has zero consumer protections in place and doesn't even help you if you used it through your bank, they just refer you to your bank customer service. This article confirms that what happened to me has happened to countless others : XXXX XXXX XXXX  I have screenshots of text conversations, transaction confirms, and bank statements. Please reach out to me with an email account that I can send these too. I am hoping to first and foremost, get my money back, but also find this person and make them answer for their crimes. Finally, I would like to bring to light how ridiculous it is that every major bank in the US ( Chase, XXXX XXXX XXXX XXXX XXXX XXXX  ) provide an unsafe piece of technology for their consumers to use, and provide no additional consumer protections for them if something goes wrong.

Summary of evidence : 1. Phone Number : XXXX 2. Names : XXXX XXXX  and XXXX XXXX 3. Emails : XXXX XXXX 4. USPS Tracking # : XXXX  5. Bank : XXXX XXXX XXXX, Chase, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. Is XXXX XXXX. What happens is that l already fulfillet my contrato and nobody has Bothered me enything, and l paid everythyng, l need a quick solution.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I declared bankruptcy in 2013. I was approved for bankruptcy. This company continues to call me, my family, and my place of employment threatening me with lawsuits and arrests. I have given them by lawyer 's information at least 10 times, and they continue to harass my family and I.
Product: Vehicle loan or lease

Had an Account with American Car Center for only XXXX days the account was closed and paid off after the car was totaled. They gave Westlake financial my account as an unpaid balance owed and also submitted their false bill in my credit too, before filing bankruptcy that I owed them XXXX dollars, not quite sure the exact number but I dont owe anything. I have reached out to Westlake numerous times and even provided them with documentation as requested to show that the company was lying and I owe them nothing. I dont owe American Car center anything and I have documentation where they sent me a letter for a XXXX dollar different amount. The letter states I owe XXXX they reported XXXX I dont owe anything.