23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Macy 's account managed by Citibank was written off in XXXX. The balance was moving around to different companies after the write off. That added money to the balance. Citibank took the balance back for the collection agencies and issued a XXXX in XXXX for the higher balance. I wrote the CFO of Citibank by certified mail but he did not answer me and I wrote the XXXX and they did not answer me. But this activity is a violation of XXXX XXXX, Citibank can not keep a AR on their books that was written off in XXXX and then issue a XXXX in XXXX. This misstates their treasury requirements with the Fed and misstates their filingswith the SEC, plays with my credit reporting and distorts my rights under XXXX code regarding the reporting of income. Is this what Obama agreed too?
Product: Student loan

I borrowed {$27000.00} now I own {$110000.00} ( interest rate 8.250 % ) and another loan i borrowed XXXX and i own XXXX ( interest rate 4.75 % ). This has destroyed my life even with minimal payment my balance keeps going up and up. It is literary uncontrollable. They forced me to accept lower interest rate payment plans multiple times ( b/c i can not afford to make full payment ) and i was happy to accept because i was able to afford the low interest loan payments. However, with the lower interest payments, it actually increases my total loan. And this was not explained to me properly. It feels like i am getting rubbed. The interest rate on the loan is high and the payment is unaffordable so they give me a lower payment options but the total amount goes up. I am not even sure how this is legal. I went to school and coming from am immigrant family and low income i was not able to get a lower interest rate student loads so I was forced to accept higher interest rate student loan. This is not fair. The poor even if they work hard and graduate from medical school and have good income still have to be poor because it is systemic problem. If my parents were rich, we will have money to pay for school or get low interests rate loans, which means lower/affordable payment. But if you are poor you have no saving, low or no credit score and you get higher interest loans and your payment is higher/unaffordable. So i can not save money for my kids and i can not break the cycle and live the American dream.
Product: Debt collection

I got a quote for cellular service to transfer from XXXX XXXX XXXX XXXX  and they said that I was approve to transfer lines to new account and they will send out the new XXXX cards so that I can transfer service. I never received the XXXX cards and never used their service. I told them that the XXXX cards were never received and that they should be able to see if the cards were sever activated. They said that they werent active. I asked them to cancel the cards because I wasnt going to transfer my service over. A year later theres a bill from a XXXX XXXX for services I never had. The debt collector is now XXXX who say they are trying to collect a debt for XXXX XXXX  of {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the XXXX accounts listed below has violated my rights. 

XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX 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
Product: Debt collection

I opened a loan using my car as collateral on XX/XX/2019. I made one payment that only covered interest. In XXXX I communicated with the company that I would not be able to make payment and that I was voluntarily surrendering the vehicle. They refused to pick it up and continue to harass me and my references after Ive communicated with them. They call me multiple times a day through different sources and contact my family members with false information about the reason they are calling.
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. 1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 3. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 4. XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 6. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 7. XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 8. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 9. XXXX XXXX Account Number : XXXX, has 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XXXX XXXX I was at the hairdresser I went to the restroom came out my ride was there I grabbed my coat and left went to the store noticed I didnt have my purse went back to get it no answer so I went straight home got on the computer to shut my cards down I noticed all my money was gone I called chime reported it and started a dispute they couldnt dispute the {$6000.00} yet they were still pending but they did dispute the transfer for {$2000.00} that was made to a person I dont know not long after that before I could file a police report and fill out the dispute paperwork they denied my claim XXXX so I got it reopened and I sent the police report still hadnt gotten the paperwork to fill out they denied it again so my other pending transactions cleared they started the dispute on these moments later I get a email where they denied my claim XXXX without a police report and no paperwork just denied my claim this is sick I have filed a fraud report and it should be ready for pick up soon Ive had this problem with chime before but the merchant paid me cause it was an error on they part chime is responsible for my money FDIC up to {$250000.00} they say the app is secured it cant be if some hacked into my app and took all my money
Product: Money transfer, virtual currency, or money service

I am filling 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.

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: Mortgage

On XXXX XXXX XXXX I was riding as a passenger in a vehicle in XXXX, Alabama while being struck by another vehicle on the driver side. The vehicle in question that hit us stated that the accident was his fault. At the seen of the accident was a police officer that witness the event. The driver and myself was instructed to go to the hospital to make sure we did not have any severe injuries. I went to XXXX XXXX XXXX XXXX emergency room that evening. I was treated by a nurse that took XXXX, beforehand I was ask what happened. I explained about the car accident and ask if they needed my insurance card and she said no we have you on file. I found out that I had a XXXX XXXX and they wrote me several prescriptions. I then questioned the nurse that my insurance carrier is XXXX/XXXX are you sure about my insurance..Do you need it? She stated that it was on file. About a month in half later I received a collection bill through Pasi ( Professional Account Services, Inc ). XXXX XXXX XXXX, XXXX, MI XXXX for a bill totaling {$8800.00}. I contacted my attorney and he sent them a letter instructing them to bill my XXXX/XXXX of Alabama. Since that time, my wife and I have been in the process of refinancing our mortgage but needless to say, Pasi have put a Lien on our home. I contacted Pasi and they stated that they are trying to fix this issue by now filing XXXX/XXXX. We are a few days away from trying to close although our lender ca n't do anything until this Lien is lifted.
Product: Credit reporting or other personal consumer reports

I request reinvestigation and removal of unverifiable information in accordance with FCRA for the following inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple dispute submissions, the credit bureaus have failed to provide sufficient verification or remove inaccurate and unverifiable information from my report. Experian is currently facing legal action by the CFPB for failing to comply with FCRA requirements, which further supports my claim for reinvestigation. I am requesting that the CFPB intervene to ensure compliance with federal law and the facilitate the removal of inaccurate and unverifiable data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/20 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. 
Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. 
I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : ( A ) Credit reporting agency name : EQUIFAX Alleged account # ( 1 ) XXXX Creditor XXXX   XXXX, account type : Revolving. 
( 2 ) XXXX XXXX XXXX, account type Revolving. 
( 3 ) XXXX Creditor XXXX  account type revolving. 
( 4 ) XXXX Creditor : XXXX account type Revolving ( 5 ) XXXX  XXXX Creditor PORFOLIO Account type : Collection
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian.
Product: Mortgage

Please see attached -- LETTER TO CFPB PROBLEM : My escrow amount increased significantly in XXXX and again in XXXX which has caused my mortgage payment to increase {$150.00} a month. When the mortgage company ( Caliber ) was contacted, no one could get to the bottom of why it increased. They would say it was due to an increase in my homeowners insurance and/or county taxes. When I called to confirm both, the Homeowners Insurance Company and XXXX XXXX XXXX stated very minimal increases ( nothing over {$20.00} ), if any. Caliber was taking the annual amount out of my escrow to pay for my Homeowners association dues. They took the annual payment out in XXXX ( approximately {$800.00} ) and have yet to send the payment to XXXX ( the management company for my Homeowners association ) for payment. I also received a letter from Caliber Home Loans in XXXX, stating that they would no longer pay my homeowners association dues and then a letter in XXXX stating that Caliber sold my loan to a new mortgage company ( XXXX ). 1. The money that was taken out in XXXX is sitting in my escrow and they never sent the payment. This has caused me to accrue late fees with my HOA ( Homeowners Association ). To date, this payment has not been sent to the property management company for my HOA. 2. My escrow amount should not be this high and the increase not noted and given to me in detail in writing. The only correspondence I received was my mortgage coupon and a letter stating that there will be an increase in my mortgage due to my escrow account. My increase went from {$370.00} to {$470.00}, which is a {$97.00} increase multiply that by 12 months and that is {$1100.00} a year! 3. Since they will no longer pay my HOA fees, my escrow contribution should decrease.
Product: Checking or savings account

To whom it may concern, I need your help. XXXX  is XX/XX/2022. I made 3 transactions for scammers via XXXX, and the total amount I lost was {$2900.00}. When I know they are scammers. I went to US bank in XXXX to support me. I told the banker to cancel my transactions. she said she could not do that. I asked her to create me a new account because I worry the scammers will hack my account and steal my money again. Today I called customer service of US bank. Once more time I asked for help me cancel my transactions. She said she can not cancel those transactions. She said it is my fault. I was not in control of my account. I also told her " my transaction is under Federal Regulation E. '' The US Bank must help me. I need US bank to protect me from scammers. I feel the rights are not spent for victims. When I know my transaction to transfer for scammers. I told them please help me cancel it. They did not do that. If those transactions can not continue, the scammers can not do anything, and I can not lose my money. It is my money. Why I can not decide on my transactions? I feel unfair when I hard work to earn my money. This is my property that I earn it a long time. I also asked the banker : " how do US bank protect customers like me? '' What is the responsibility of the bank? They just said, " I am so sorry, this is my policy. '' I Do not know what is weird ] the policies just protect scammers. Nobody would like to become a victim of scammers. If I know they are a scam, I have never taken this call. I never and never send money from them. Since {$3000.00} is a big bill for me, I called many phone numbers to help me including XXXX, bank customer service, and a police officer. No one can help me. I do anything to get my money back. I feel hopeless in this life. The rights are not for a victim like me. I need to help. I need to protect and a fair. I hope someone could help me. This is the reason I am sending this letter.
Product: Mortgage

Rushmore Representative promised to wave a non-sufficient fee of {$20.00} XXXX months ago and the charge is still showing. When I paid my mortgage over the phone the Rushmore Rep put in the wrong digit for my bank account and the payment didn't process They charged me for their mistake. I explained to the Rep what happened, the rep said they would waive the {$20.00}. I saw it on my account to date on my online account. This happened approx. XXXX months ago and the charge was not waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry from Capital One on my credit report, dated around XX/XX/year>. I immediately contacted Capital One and all three credit bureaus to report that I did not authorize this inquiry. They acknowledged my concern, placed a fraud alert on my file, and froze my credit. They also assured me that the inquiry would be removed. However, I have yet to see the inquiry removed from my report.
Product: Mortgage

Ditech mortgage, how many complaints is it going to take to have cfpb do something about this company? 
This company holds a note on a property next door, abandoned, health and safety issue, drug den. I cant get insurance on my home due to this property, owners are gone for the last XXXX yrs. no payments were made for XXXX yrs. no forclosure. I offered to buy it to tear down, asked them to fix it or tear it down. called several times. told them I was recording the call they hung up immediately. { thought it was funny they always say we are recording this call for quality } lmaof. I feel companies like this should be held accountable for their and wonder what cfpb can do about these complaints. with the number of complaints, I would think something has been or is in the process of being done. 
Yes I am getting legal rep. at this point. I am also logging complaints with every agency and my local and state representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXdept of Ed XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report, XXXX XXXX XXXX Balance : {$69.00}.
Product: Checking or savings account

US Bank charged my account {$15.00} for Withdrawal Charges on  XX/XX/2018. I asked them to refund the money to my Savings account but they refuse to do that. I never authorized any {$15.00} charge and asked them to stop withdrawals from that account but they said they can't do that. I'm being charged {$15.00} fees on transactions that are less than {$10.00} which doesn't make sense at all. I have two Pending transactions on XX/XX/2018 also on the same savings account they stated that I will be charged {$15.00} for each time. I told them I wanted to close my account and transfer the money to my checking account with them and they stated they are unable to close my account unless I go sit and wait at a branch location. The hours the bank are open aren't convenient at all and they are unwilling to assist me.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there XXXX no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit card

I received a statement that included a {$55.00} charge for my BJs membership on a Capital One Credit card that I have never opened. When calling in, they did not have the correct contact information or date of birth and could not verify my account. I sent in my drivers license multiple times so I could verify my account and discuss this credit card. Unfortunately they continued sending me bills with additional fees for failing to pay. I was finally able to open a fraud case stating I did not open this credit card. Fraud department came back and stated they verified that I opened this card. I do not speak English well, I am an XXXX XXXX XXXX low income individual. They keep sending me bills with fees for a credit card I never opened or consented to opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to XXXX. 

On XX/XX/XXXX I asked XXXX for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that UCC laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to XXXX ( attached with proof of fax delivery ) and after 30 days I have not had a response from XXXX or from XXXX XXXX or Transunion and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX ( attached ). I want this deleted because ( 1 ) the XXXX reporting is inconsistent or incomplete ( 2 ) XXXX did not respond in 30 days AND ( 3 ) XXXX provided no documentation they met UCC laws.
Product: Debt collection

Several fraudulent accounts are on my credit report ; please take action to remove them.