23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I was in a bind and took out a loan with CastlePayday.com, which is actually Red Rock Tribal lending. When I applied someone called me immediately and rushed me through the process of the loan. After reading some things about this company online i realized ... ..Oh no, i better go print my papers. I log into my account online and it reads loan amount {$800.00}, Finance Charge {$280.00}, pay off balance {$1000.00}. I print the contract and it says finance charge of {$6000.00} and annual percentage rate of 787.4136 %, total pay off {$6800.00}. HOW IN THE WORLD. So I immediately contact the company and revoke my ACH and they tell me that they will now remotely-create a check and send it to my bank for payment because i dont have the full {$1000.00} to pay on payday. I dont know what to do. The contract states that this is a tribal loan and i have basically given up all my rights.
Product: Mortgage

I sold and closed on a property that I owned on XX/XX/2016. I paid the remaining balance on the mortgage to Wells Fargo. On my credit report, Wells Fargo reported that the property was foreclosed ... That was a deliberate act. An email was sent to Wells Fargo to correct this foreclosure reported on my credit report. However, I never received a response from Wells Fargo. Recently, I completed a dispute with the Three credit bureaus. In response to the dispute, Well 's Fargo changed the name of the lender for the mortgage as XXXX XXXX. I contacted XXXX XXXX to find out more information about how the loan was reported to be closed and paid to them. I was instructed to file a complaint with CFPB to get more information. In addition, the representative I spoke declined to provide me with the exact date that the foreclosure was reported to them by Well 's Fargo. I aslo sent a certified letter to Well 's Fargo requesting that the correct information be added to my credit report, in addition that the loan final payment was made with a check sent to Well 's Fargo, not XXXX XXXX. It has been 2 weeks, I have not received a response from Well 's Fargo. The lack of action and the deliberate act of fraud by Well 's Fargo has  prevented me to obtaining a conventional loan for the past eight months.
Product: Credit card or prepaid card

I purchased a couch from Arhaus in XXXX and took advantage of a 0 % promotion for 2 years but chose to pay off in equal {$950.00} installments automatically through my bank over that 2 yr period but the last payment ended up less and I paid it a few days late. 


The Full Balance due was paid on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and interest was paid on XXXX XXXX XXXX XXXX XXXX XXXX XXXX in advance of the correspondence but they never reversed the Late Fee as granted below and continue to charge Late Fees and Interest to date on an account that had no balance due. 

In addition they continually delayed responding to messages in order to run up additional fees which now total {$91.00}. This is completely invalid as they received every dollar owed timely and this is simply a case of predatory & unscrupulous finance practices. 

The below is the correspondence I had with Comenity Bank on my Arhaus Credit Card. 

From : You Sent : Wednesday, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX To : Comenity Bank Subject : Late Fees or Finance Charges Message ID : XXXX Good morning I'd like to respectfully request a courtesy waiver of the late fee and interest charge on my account last month in the amount of {$29.00} & {$2.00} respectively. I have made all payments timely since I have been a cardholder in XXXX and was only late due to the fact that I was aware my final payment was less than the monthly I had been paying since inception of the account. Once I was aware of the amount the payment was made in full immediately. 
Please advise if you will accommodate. 
Kind regards XXXXX XXXX From : Comenity Bank Sent : Saturday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. 

We credited your account. 

We're happy to let you know that we have credited a {$29.00} late fee to your account, as a one-time courtesy. You can expect to see the credit applied to your account in 2-3 business days. To avoid further late fees, please make sure we receive at least the full minimum amount due by XXXX XXXXXXXX XXXX on your scheduled due date. 

This late fee credit is dependent on making your next payment on time. 
If you fail to make the minimum payment due on or before the due date, this late free credit will be reversed and a new late fee will be assessed. 
Thank you for your loyalty and have a great day. 
If you have any questions, please click the reply button. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested a copy of a check I wrot against my second mortgage ( line of equity ) with PNC bank almost 2 months ago and have been getting nothing but the runaround. I 've spoken to XXXX ( XXXX ) different individuals and they all would say they 'll look in to it and call me back, but they never do. I 've left XXXX messages for XXXX XXXX XXXX at XXXX XXXX XXXX to no evai. I 've begged him to at least return my calls regardless of whether he has any information or not. But, no phone calls from nobody from PNC so far. 
They are sure quick to call when the monthly payment is a day late, but not when you want something from them. 
Thank you!
Product: Credit reporting or other personal consumer reports

I notice the fraudulent and inaccurate accounts on my credit report I try to send dispute letter to the 3 credit bureaus but they said I using a credit repair company which is wrong I'm doing all the letters I send I also filling complaint regarding on that issues here 's the list of negative account I want to delete or remove Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX in amount of {$3600.00}, and {$970.00}, XXXX XXXX in the amount of {$4500.00} and {$3500.00}, Citibank in the amount of {$1600.00}, XXXX XXXX in the amount {$0.00} opened XX/XX/XXXX and showing 120+Days Late and closed with a return mail request, XXXX XXXX XXXX in the amount of {$0.00} opened XX/XX/XXXX with charge-off status, XXXX in the amount of {$0.00} opened XX/XX/XXXX with payment status charged-off and return mail letter, XXXX XXXX XXXX in the amount of {$14000.00} with charge-off status, XXXX XXXX XXXX in the amount of {$10000.00} with charge-off status, XXXX XXXX XXXX in the amount of {$6500.00} with charge-off status, XXXX XXXX XXXX in the amount of {$5500.00} with charge-off status, XXXX, XXXX, and XXXX on my credit file they maintained under my Social Security number. I sent all the listed creditors letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked the original creditors as well as XXXX, XXXX, and XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked the original creditors I listed, as well as the XXXX, XXXX, and XXXX, that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. As of XX/XX/XXXX, no one from the original creditors and the Credit Bureau still have not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was also told by original creditors, as well as the 3 credit bureau, XXXX, XXXX, and XXXX, that they do n't have to show me any proof of a signed contract, bearing my wet signature, and that I heeded to take it up with the Credit bureau to get it removed. In other words, giving me the run around. When requesting documented proof of the contract and asking to show proof I consented to having the original creditors run inquiries, bearing my wet signature, the original creditors sent me billing statement stating this was verification. I never asked for billing statement because that 's not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3000.00} XXXX {$4300.00} XXXX XXXX {$11000.00}
Product: Debt collection

XXXX XXXX, 2017 : In an attempt to pay off this loan with assistance from a family member, I called to get my balance. It was quoted as {$8300.00}. I questioned the balance because I am being garnished for this debt. I was advised by XXXX XXXX of GC Services that I could see my debt and payments by going to www.myeddebt.ed.gov I had NO knowledge of this site before being given this information. Upon going to that site, my report indicated the balance as {$6400.00}. A payment of {$6400.00} was made. There was still an unposted garnishment payment. I was then told there was a balance of {$1100.00}. That amount was then paid. Another payment was made. It seems their " collection costs '' have amounted to over {$2000.00} on this balance. It never gets smaller. Every day they add fees and charges on claiming 'THIS IS YOUR DEBT AND FEES ARE CHARGED DAILY UNTIL IT IS PAID IN FULL. '' There is no way to get to {$0.00} with this company. The stress has affected my health. Prior to going into garnishment I was making small payments until a medical situation caused me to go into default. I submitted documentation to this company more than 4 times via certified mail. Every time I submitted something, they wanted something else. Then they decided to serve a garnishment. The more I asked how much do they charge in collection fees, the more they blew me off. I was told their fees are NOT included in my report of payments received yet they sent me the same info with nothing indicating they charge a separate fee and the percentage of that fee. I need these people out my life asap. The Dept. of Ed. needs to look into the companies they are using as servicing agents and the amount they are charging consumers. It 's no wonder people remain unemployed and do not become home owners. The fear is there! I feel their collection tactics are unacceptable as is the amount they are charging to collect these debts.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries applied to my credit file. I contacted Equifax 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Equifax liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Equifax continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Equifax which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. The companies then lie and say they will contact Equifax to remove it or code it as soft but it never happens. This has been going back and forth far too long. I will absolutely take legal action if Equifax ignores my 4th request to remove or correct inaccurate information. If the creditors have been negligent in correcting this information Equifax has a duty to remove it or correct it. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Equifax. 
Thanks, XXXX XXXX XXXX
Product: Debt collection

Summary : Coast Professional ( debt collector ) is using false information to intimidate and mislead Perkins Loans holders into paying debt that is supposed to be forgiven. 

I am a Federal Perkins Loan holder. For five years I worked as a XXXX XXXX XXXX ( high needs subject area ) in a Title 1 school. Both of these qualifications make me eligible for yearly deferment of payments and cancellation of a portion of the loan each year for 5 years until the loan is entirely forgiven. Every year I have filled out the required paperwork which includes employment verification from the school district I worked with. This year, even though they have accepted it in the past, the lender XXXX XXXX XXXX ) rejected my application because it was signed with a digital signature. Their current paperwork even states that digital signatures are accepted. Anyway, in the process of redoing my paperwork, the lender sent my loan to collections ( everything has to be done by snail mail because the district 's official stamp - required by the lender - will not show up when electronically scanned, the paperwork has to be completed at the DO - no one at my actual school could do it - per lender 's requirements, and I live an hour from the town where I taught ). 
So, my loan ended up with Coast Professional. When I called XXXX XXXX to dispute everything, they told me I needed to call Coast Professional and ask them to send the loan back to them. XXXX XXXX conveyed that this would not be a problem. I think they knew better, but I've already sent in a complaint about them. 
The first person I spoke to at Coast Professional ( I believe the date of this call was XX/XX/2022 ) claimed they could not help me, and my only recourse was to either consolidate my Perkins Loan into my PSLF loans ( which would effectively require me to make payments on the Perkins Loan which was eligible for immediate forgiveness ), or to set up a payment plan with Coast Professional. I refused to do this and demanded the company do what XXXX XXXX told me they could do. This call center employee then transferred me to a " manager '' who FALSELY claimed I had lost my eligibility for forgiveness because the loan was now in default. Eligibility for Perkins Loan forgiveness can not be taken away as a result of late paperwork or other clerical errors that put it into default. This is FACT ( which I know because I've gotten my university involved in this matter ). She then threatened to share negative information about me with my university. I told her I would call them myself and asked for the number she had. She gave me a phone number that turned out to be fake and not associated with my school. ( All of my university 's numbers begin with the same three numbers, this one did not and went to XXXX XXXX of XXXX recording ).
Product: Checking or savings account

Can not regularly log into my account without excessive third party verification prompts. Monthly fee charged irrespective of maintaining balance requirement to maintain the charge on two accounts. Prior to that minimum amount of direct deposited fee was not disclosed when it was changed and waiver of monthly fee for months when charges should have not been waived were not respected. Reported that bill payments were being cancelled without my authorization in past months. On site support mirrored phone support in which they are a face to look at while speaking and the phone support is a phone that you can talk into but nothing gets done to resolve the issue.
Product: Money transfer, virtual currency, or money service

I am falling a complaint against Cash App ( block , inc ) due to inadequate consumer service and unfair practices which violates the consumer financial protection act. 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 errors resolution requirements under the Electronic fund transfer act and Regulation E. These act have cause significant inconvenience and financial loss and I seek appropriate redress for this violation
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent dispute letters to Experian, Equifax, and TransUnion, requesting the removal of inaccurate and unverified derogatory accounts from my credit report. Under FCRA 611, the credit bureaus are required to investigate and remove any information that can not be verified within 30 days. 

On XX/XX/2024, after not receiving a proper response or verification, I sent follow-up letters demanding proof of the disputed items or their immediate deletion. The credit bureaus failed to provide sufficient evidence to support the continued reporting of these accounts. 

On XX/XX/2024, I sent a final notice to the credit bureaus, reiterating that they were in violation of FCRA 609 and FCRA 623 by reporting unverifiable information and failing to provide proper documentation. Despite my repeated efforts, they have not removed these derogatory marks or provided legitimate verification.

It has now been over four months since my initial dispute, and the credit bureaus have failed to take appropriate action. Their inaction has negatively impacted my credit, and I am seeking immediate resolution through the CFPB. I expect the credit bureaus to provide a formal letter confirming the deletions and update my report accordingly.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I was told the car was XXXX I paid XXXX down. After going over the paperwork the XXXX could not have went towards my down payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  i believe this company has violated code 15 USC 1692c B the communication with third parties. 
also i believe this company continues to report this account as every month in payment history as collection. once a account becomes a collection it is closed then sold.
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 XXXXXXXX XXXX acct XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  acct XXXX has violated my rights
Product: Credit card

Home Depot habitually credits my account a week OR MORE after they receive the payment, as verified by the amount being debited from my Credit Union account. They call, email and otherwise BULLY me for payments paid a week or MORE previously. This has been going on for several years, but lately has been WORSE. I 'm sick of them and do n't understand how they get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX  account # 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