23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX  Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # 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

ACCOUNT # XXXX HAS A OPEN DATE OF XX/XX/XXXX WITH NO PAYMENT HISTORY OR 30/60/90 DAYS LATE NOTICE. EQUIFAX IS NOT REPORTING 100 % ACCURATE INFORMATION ON MY CREDIT REPORT, THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA AND FDCPA. P.S I HAVE NO KNOWLEDGE OF THIS ACCOUNT # XXXX
Product: Credit card or prepaid card

On or around XX/XX/XXXX, Citi Card ( XXXX  ) lowered my available credit from {$2100.00} to {$1700.00}. My balance was at the limit when they did this. As a result, I am now {$500.00} over the limit and my mmp is {$620.00} this month. To put this in perspective, below are the last 5 MMPs ( prior to the reduction in limit ) {$82.00}, paid {$140.00} {$76.00}, paid {$160.00} {$65.00}, paid {$80.00} {$78.00}, paid {$160.00} {$86.00}, paid {$120.00} I am experiencing financial difficulty with other creditors, and I do not have the money to make a MMP that is 800 % higher this month than prior months, all because Citi lowered my limit. When I called to ask for help, I was told that I had to go delinquent first, and then they would consider offering payment options. How is it acceptable for a Credit Card company to view a consumer as a credit risk, and then take action that actually puts the consumer in a position to where they can't pay and forces them delinquent?
Product: Credit reporting or other personal consumer reports

PLEASE UNDERSTAND MY SITUATION DURING THE HARDEST TIMES, WE ALL EXPERIENCE STUFFD DURING COVID. PLEASE GIVE ME MORE UNDERSTANDING
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor Experian ( membership # XXXX ) has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. Under 15 USC 1681 section 604 A section 2 says a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I had a transaction that presented when there was sufficient funds to process, was deducted from my account, then reversed, eventually returned to my account after other transactions were presented and bounced, then I was charged a {$35.00} NSF fee. The transaction should not have been stopped, but if it was why am I getting a fee and the funds removed also?
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. 

Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX looking to purchase a vehicle. I decided on a XXXX XXXX XXXX that had nearly over 100,000 miles on it. I was told by the salesman that I after making 6 months of on time payments I would be able to refinance my auto loan for a better interest rate. After 6 months of on time payments I was denied the ability to refinance my car loan because the vehicle had over 100,000 miles on it. I believe I was sold the car just to make a sale and I've been stuck with paying {$20000.00} in interest a vehicle that is 10 years old. I reached out to Santander who my auto loan is financed through on several occasions. Initially, when I attempted to refinance my auto loan I was told by Santander that they do not refinance auto loans which left me devastated because this is not what I was told by the XXXX salesman. Current Loan Details APR 28.68 % Monthly payment {$420.00} Total interest {$19000.00} Total principal ( the car ) {$4100.00} Total loan {$15000.00} Total term 81 months Loan holder Santander Consumer Usa
Product: Debt collection

Focus receivable called me about 10 times and said I would be served legal papers at work and would make sure everyone at work knows. They also said they have a warrant for my arrest! 
They said I was guaranteed to do 10 years in prison.
Product: Debt collection

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted 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: Debt collection

I received notice from a company called XXXX claiming I owed a debt, with a form to request validation of the debt. On XX/XX/XXXX, I sent the verification request letter which I will attach. I sent the letter via certified mail, which was received by the debt collector on XX/XX/XXXX as shown on XXXX records. The law states that no further debt collection attempts can be made until the debt is verified. On XX/XX/XXXX, I received a text from XXXX attempting to collect the debt, which is in violation of the law. I later received a letter, dated XX/XX/XXXX from Resurgent Capital Services stating that they manage the account for LVNV funding, and that the account is being serviced by XXXX XXXX, and would be sending documentation. I received another letter dated XX/XX/XXXX stating that they had enclosed the account summary which provides verification of the debt. Inside was a couple pages from a XXXX XXXX credit card statement, for a billing cycle of XX/XX/XXXX to XX/XX/XXXX. The statement balance on the billing statement was {$750.00}. The balance that Resurgent/LVNV/XXXX  states is owed is {$1000.00}. The statement they sent does not reflect the amount they are claiming is owed, they did not send the original agreement as requested, they did not send the last billing statement as requested, and did not send any evidence of any extra charges that were added since the last billing statement. I also believe that the changing of companies is being used to intentionally be misleading, and confusing in order to trick me into paying a debt that they do not have proof I owe, of either the debt or the amount they state that I owe. I believe that the actions of the company, especially the clear cut contact within the dispute period, violate the Fair Debt Collection Practices Act.
Product: Checking or savings account

Wells Fargo fraudulently opened two new accounts - a checking and savings account on Sunday, XX/XX/2021. Accounts : XXXX and XXXX. 

I was alerted by a text saying my accounts had XXXX balance. 

I already have a business and personal checking with Wells Fargo, and a checking account with XXXX XXXX and XXXX XXXX XXXX XXXX so I did not need another account. 

Wells Fargo has a history of fraudulently opening accounts without permission.
Product: Checking or savings account

on XX/XX/XXXX we reported to our bank Wells Fargo that they had processed a stolen washed check on XX/XX/XXXX and sent us an overdraft notice on XX/XX/XXXX. We were out of the US at that time. The check had been electronically deposited at the XXXX XXXX XXXX XXXX in the state of Virginia, we are in Georgia. The check was stolen from our local post office and Wells Fargo emptied our checking account to cover this and reached into our overdraft account also. The amount stolen was XXXX. This was a very badly washed check with ink marks and doodles to cover original writing. on XXXX Wells Fargo wrote us a letter of intent stating that they would not cover the lost funds and our money would only be restored through XXXX XXXX. I believe we have protection through Regulation E for the return of our funds, but the banks seem both passing responsibility to the other. I have made many calls to Wells Fargo and spoken to many employees who are polite but do not have access to details of this case and so can not help. We have visited and requested help from our local branches on XXXX occasions missing work to do so. I have stated I believe we are entitled to the timely return of our loss but they ignore this request or say that would be the other Bank. I have never been allowed to speak to the person handling our claim but am blocked by layers of customer service employees who say they will return my call but never do. I feel we are being ignored because they are stronger than we are, and we are caught between the XXXX banks.
Product: Credit card or prepaid card

In 2020, I have incurred purchase interest charges every single month on my Sapphire Preferred Card. The charges are typical, as with most credit cards. Like many other Americans, I lost my employment during the pandemic. Ive used my unemployment to help pay down some of these charges, but the interest charges are in the hundreds of dollars every month, severely limiting my ability to pay down my debt. 

I contacted the bank, since I havent had any previous fees reversed on this card in over three years, to see if they would reverse any interest charges as a courtesy during this hardship. ( These monthly charges range between $ XXXX $ XXXX ) The response was that the bank ONLY reverses any type of charges for customers who have the ability to pay their credit card off in full at the end of the month. This type of policy specifically has a DISPARATE IMPACT on folks who are in a similar situation. Folks who are capable to pay down debt are afforded fee waivers upon request, while those going through a challenging time face no forgiveness. 

COVID19 reliefs at Chase doesnt help this scenario since interest still accrues even if payments are deferred. I asked for any help to have some interest charges reversed, only to be declined without regard or sympathy.
Product: Credit reporting or other personal consumer reports

Recently, I learned of the lawsuit filed against XXXX by the CFPB. Given the serious nature of the allegations and the investigation surrounding their practices, I respectfully request your assistance in addressing my ongoing issues with this credit bureau.

To reiterate, I am requesting that XXXX, XXXX and Trans Union remove all negative accounts that are not accurate or for which I have not provided permission for reporting. My hope is that the actions taken by the CFPB will create a more favorable outcome for consumers like myself who have faced difficulties due to inaccurate credit reporting.

Despite submitting my complaint and providing evidence that substantiated my claims, XXXX and Trans Union has failed to correct the erroneous information on my credit report. Moreover, they added some new information without my consent, which I believe is a violation of my rights I appreciate your attention to this matter and look forward to your response. Please let me know if any additional information or documentation is required to expedite the review of my case.

Thank you for your continued commitment to protecting consumers.
Product: Credit card

I made a purchase on a XXXX store card on XXXX/XXXX/XXXX and was offered a promotion where the interest was deferred for 18 months. Since I had e-delivery and all my communication was electronic, I missed the deadline XXXX/XXXX/XXXX for the promotion. The bank ended up charging over {$1300.00} in interest. I called the bank and offered to pay the account in full on XXXX/XXXX/XXXX but was told they will not waive the interest since it had been over the 30 day grace period aloud to make adjustments to interest. It had been 56 days by that point. I acknowledged my mistake and admitted it was an oversight on my part and to maintain a good relationship with the bank, I need them to understand that everyone makes mistakes. My balance as of XXXX/XXXX/XXXX was approximately {$1200.00} and I was charged the promotional interest in the amount of {$1300.00} which is more than my balance. Obviously I would have paid off the balance since it was more than the interest, it only makes sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only looked around at a new home because my current home is being extremely uncooperative. I am a XXXX XXXX XXXX whom works part time making about XXXX dollars less than I was originally making per hour before Covid. That doesnt cover the debt I had finally caught up to and had worked out perfect. I am stressed to the bone and starting to now fall behind on my education because I cant find any form of debt relief I had 110 % under control before recent weeks. I need a home and a place to be able to continue furthering my education but when all these inquiries appear on my credit and destroy my chances of being approved for ANY type of financial help that would allow me to get back on my feet again. I have been unapproved for the amount of a personal loan i would need for debt consolidation. I cant get approved for any financial help at all due to my most recent credit inquiries. Im worried for my future at this point and begging for help. I have individuals looking at my credit report without my authorization and my credit has seriously hit below poor when I have been doing the best I can at setting my payments and bills to ALWAYS be on time. I'm now on the verge of losing everything in my life over something out of my control and consent.
Product: Mortgage

In 2008 I contacted Wells Fargo that I need help with my loan and possible modification. They said they couldn't help us until we were late on our payments. We called before we ruined our credit and even spent our 401k money to stay current. Once we got behind on our payments they said they couldn't help us because our credit was bad. They did nothing to help us and had a realtor lock us out when we were out to dinner.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my report from capital one that was done fraudulently and I want it removed. Also in collections all of them have been cancelled and already taken care of because of NO CONTRACT prior to the start of the new year.
Product: Credit reporting or other personal consumer reports

I have attempted to get these unauthorized inquiries removed with no luck. Equifax has yet to remove them from my report or show me proof of these inquiries being authorized by ME in writing. See below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting or other personal consumer reports

There is a non verified XXXX/ credit card on my credit report, I did not authorize. There is also a hard inquiry on my XXXX report. The card is showing on my bureaus. I requested directly for XXXX to remove the card off my credit report, and it has not been removed. I requested the unauthorized inquiry to be removed and its still there. It has effected my credit score and I want it corrected. In addition Experian has not removed this XXXX/ credit card off my credit report, nor have they replenished the XXXX points I lost from the card being added. I dont have this card in my possession, I have not used this card nor activated this card, I did not request this card. PLEASE REMOVE THIS CARD AND ITS HISTORY COMPLETELY OFF MY CREDIT REPORT! Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had an issue with XXXX of XXXX XXXX, Arkansas due to service of my vehicle which two weeks to fix. I made a call to customer services about the lack of communications during the first week of my vehicle being serviced. They had issues with figuring out what the problem was but they had to drive the vehicle to troubleshoot it. I had to wait an additional week to get my vehicle back from the service department at XXXX. Once I picked it up they charged me almost {$2000.00} for the repairs. I understand that having such an expensive car can lead to issues like that. But finding out I needed new breaks upon picking up my car by turning it on and the break lights on. I asked to the Manager of the services and he just said " Oh yeah, you need new breaks '' and walked away from the vehicle. After being treated so disrespectfully by the Manager I called XXXX XXXX and requested that they to come pick up the vehicle. 

The vehicle was picked up XX/XX/XXXX at my residence in Arkansas. I never received any of the following documents, repossession notice or Notice of intent to sell vehicle within the 15 days of the notice. The reason why these documents were never received by me was due to them being sent to the wrong address. I was in the XXXX XXXX and for some reason the documents were sent to my last duty station that moved to XXXX, XXXX. I retired in XXXX so I have no idea why the sent the documents there. But they had to right address to pick up the vehicle. 

I feel my rights were violated and I would like to know what I can do to fix this problem because it is causing my have issues with my credit since XX/XX/XXXX.
Product: Student loan

Years ago, I had trouble repaying my student loans. Instead of suggestions regarding income based repayment, I was given repeated forebearances until I was out of time. I could have made some sort of payment instead of not being giving that option at all.
Product: Mortgage

Since I emailed the following, Ive spoken to lender. Per point of contact, they refuse to negotiate on the interest rate. If they would lower the interest rate, it would be more in line with what I was told before applying for remodification, and more affordable. 

From : XXXX XXXX <XXXX> Date : XX/XX/2019 at XXXX XXXX EDT To : XXXX Subject : IMMEDIATE RESPONSE NEEDED RE : LOAN # XXXX ; LOAN MODIFICATION ; Dear Shellpoint Mortgage Servicing ; I received the Loan Modification Agreement packet today, XX/XX/2019. I've had a chance to review it, and I have to say that I'm very concerned/shocked at the terms stated. 

Here are my concerns and unacceptable terms : 1 ) The purpose of the modification was to lower my monthly mortgage payments since I'm now widowed. I was told by my previous Point Of Contact ( SPOC ), XXXX XXXX, that a modification would lower my mortgage payments. This agreement states they'll be higher. 

2 ) My late husband is still listed as Non-Obligor on the agreement. I'm not sure of the significance of this. Please advise. Per your request, I've sent you a copy of his death certificate twice : once with the application for loan remodification ; and a second time via FAX # XXXX. 

3 ) I have a current interest rate of 3.75 %. This remodification agreement has gone up exponentially to 4.625 %! It is unacceptable to 1 ) increase my interest rate, and 2 ) if this is due to credit score, XXXX XXXX told me that any drop in my credit score due to death of my husband or my finances has no bearing on this remodification. The current average 30 year fixed mortgage rate of 3.75 % to 4.05 % is substantially less than what you've stated on this agreement. 

****This new agreement must at least match or slightly increase on what I'm being charged now : 3.75 %. This will lower my payments. I feel as if I'm being taken advantage of as a widow, and of my circumstances. After all, lowering my monthly payment was the main purpose of going through this arduous ordeal. 

4 ) The trial period plan stated that my first payment under the new remodification would be in XX/XX/2019 which was reiterated via phone call with my SPOC. This agreement states the first payment will be due in XX/XX/2019. 

Please get back with me just as soon as possible to remedy the concerns as I have to get this monthly payment and interest rate lowered. 

Thank you for your prompt attention to this very important matter ... .. 

Sincerely, image1.JPEG XXXX XXXX XXXX XX/XX/2019 cc : Consumer Financial Protection Bureau , XXXX XXXX XXXX, XXXX IA XXXX ; Bureau Of Consumer Protections , Federal Trade Commission , XXXX XXXX XXXX , XXXX, Washington DC XXXX
Product: Debt collection

XXXX is trying to collect money from me that I dont owe