23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I emailed Guaranteed Rate 's Special Loan department, per their Customer Service department 's direction with a request to put a lump sum of money toward our principal and to recast our loan. 

XXXX XX/XX/XXXX, I received a letter from Guaranteed Rate with the steps necessary to recast our loan. I called Guaranteed Rate Customer Service to verify that I needed to put another request in writing, per the letter, and to confirm that I can put both the amount to be applied to the principal ( {$100000.00} ) and the fee to recast ( {$300.00} ) on the same check. Customer Service reported that I did not need to write an additional request, but I did regardless, and my wife and I signed it. I then mailed a check for {$100000.00} to Guaranteed Rate on XX/XX/XXXX ( check # XXXX XXXX, which was cashed on XX/XX/XXXX. 

I contacted Customer Service the first week of XXXX to check the status of the recast because our XXXX payment was still in the original amount. Customer Service informed me that I was going to receive a packet via 2nd day Air from UPS, which I received on or about XX/XX/XXXX. In the packet, a letter dated XX/XX/XXXX confirmed the {$100000.00} amount in principal reduction and provided loan modification paperwork that needed to be signed and notorized. This process was completed on my end and sent back to Guaranteed Rate via UPS 2nd day Air on XX/XX/XXXX. 

I contacted Customer Service the last week of XXXX to check on the status of the recast, as our XXXX payment was still in the original amount. Customer Service informed me that it was being processed on XXXX and to wait to make the payment until it was adjusted/recast. 

Today is XX/XX/XXXX. I contacted Customer Service again, as the due payment is still showing as the original amount. They are sending an email to " XXXX XXXX '' to initiate the recast, as they can not do anything more. 

Guaranteed Rate took possession of {$100000.00} of my money in XXXX and received the paperwork they required before it was due ( per the XX/XX/XXXX letter, it was due on XX/XX/XXXX ). Their Customer Service department has no connection to XXXX XXXX and is unable to rectify any issues. I am being put at a great financial disadvantage, as I sent them an extremely large sum of money and am still being held to the old principal amount. If I do not pay by the grace period ( XX/XX/XXXX ), I will then be in bad standing. Guaranteed Rate is operating unprofessionally and unethically.
Product: Checking or savings account

After recently experiencing several unauthorized payments from two of my Chase checking accounts ( business and personal ) and successfully getting credited back the funds, unauthorized payments of {$1100.00} to a company I have never done business with and {$33.00} FOREIGN EXCHANGE RATE were withdrawn from my account on XX/XX/XXXX, Type : Card. I called to dispute the payments and was given a courtesy credit for both which were reversed XX/XX/XXXX. On XXXX I called the company that had collected and was told that they had no record of the transaction and were not currently processing any orders. XXXX I called Chase and requested the evidence used to deny the claim for refund. I also called about a week later because I had not received the mailed letter. On XX/XX/XXXX I called Chase Customer Claims Department and was advised to fax new evidence in order to reopen the claim. On XX/XX/XXXX I emailed the company for information, then called repeatedly on XX/XX/XXXX. I was emailed a warning to desist and a copy of their transaction timeline showing it was flagged for elevated risk of fraud, reviewed and approved by them, which I faxed to Chase on XX/XX/XXXX and went to the branch but was asked to wait for approval. XX/XX/XXXX Chase resolved the claim. I followed up by calling and going to the branch, but I have not received notice of the claim being reopened.
Product: Credit card

On XXXX statement ending on XX/XX/XXXX, I owed Bestbuy XXXX XXXX Credit Card for XXXX $ and I did not pay in full since my business partner paid me late. On XX/XX/XXXX when I received payment and I called Bestbuy citi customer service and paid off the balance right away, and asked them to waived the interest fee of XXXX $ which they did. However, on XX/XX/2017 I made a purchased of XXXX $ on the same card, they charged me XXXX $ for interest on XX/XX/XXXX which is only 2 3 days after my purchase. This is ridiculous interest fee, it does not make sense for 2 3 days of interest charge for XXXX XXXX Today, XX/XX/XXXX, I found out and called them to ask about the fee. They told me interest was accumulate from the date of the previous statement. I told them it does not make any sense since I paid if off and you guys waived the fee. They keeps saying I have to pay XXXX $ because they already waived the interest fee once. I will attach the statement for you guys to see.
Product: Debt collection

A collection item fro m Wakefield Associates appe ars on my credit reports. The item, in the amount of  XXXX , is from  XXXX   XXXX . The item was opened in  XXXX ,    2011 ; six  years ago, when insurance should have been filed.    Wakefield Associates di d not contact me about this matter so that I could dispute it.
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request [ Your Account Number ( if known ) ] ** Dear Sir or Madam, I am writing to formally notify you that I am a victim of XXXX XXXX  and as a result, several items on my credit report are fraudulent and not attributable to me. The information listed below has been placed on my credit report without my consent and is directly connected to the XXXX  situation I endured. 

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 XXXXXX/XX/XXXX Balance {$130.00} Legal Basis for Request : ** Under the Fair Credit Reporting Act ( FCRA ), Section 605C, consumer reporting agencies are required to block information on a credit report that is the result of trafficking. The FCRA mandates that this information must be blocked within four business days of receiving a request from the consumer, provided that the request includes appropriate documentation.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices. Given that the debts in question were incurred as a result of trafficking, continued attempts to collect these debts would constitute a violation of the FDCPA.

The Truth in Lending Act ( TILA ) also provides protections for consumers against unauthorized charges. Under TILA, any charges that were incurred without my consent as a direct result of trafficking are considered unauthorized and should not be reported on my credit file.

**Requested Action : ** In accordance with these laws, I am requesting that the aforementioned items be blocked from my credit report immediately. Enclosed with this letter, you will find the necessary documentation to substantiate my claim :
Product: Debt collection

To Whom It May Concern, The reason for my dispute is DIVERSIFIED ADJUSTMENTS {$XXXX} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DIVERSIFIED ADJUSTMENTS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) DIVERSIFIED ADJUSTMENTS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DIVERSIFIED ADJUSTMENTS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DIVERSIFIED ADJUSTMENTS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.DIVERSIFIED ADJUSTMENTS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Checking or savings account

I made a purchased from an independent seller who promotes their business using social media ; but uses the web handle of XXXX XXXX XXXX to sell their products. I made a purchase of two items, totaling to {$190.00} on the other XX/XX/XXXX day of XX/XX/2019. Previously on the website, production time was 11 days, so when i reached out to the company with my first attempt, on the XX/XX/XXXX asking for the status of order, I heard no response, but the selling was active on her social media accounts. I followed up a few days later to request cancellation of my order as it has yet to be sent out on the XX/XX/XXXX, and also have yet to hear a response. 
Following my application for a Merchant Dispute for this charge with TD bank, within the hour I was sent a confirmation that my order was shipped. However it has been 10 days, and the status of the shipment has yet to be updated ; the level was the only thing to be created.
Product: Credit reporting or other personal consumer reports

Victim of identity theft my documents were stolen from me. As of right now, I am not aware of the suspect whether it's XXXX XXXX, close friend, retail stores or family. I am asking that the reporting accounts, inquires and even the addresses that I am not familiar of to be completely erased from my files. These accounts doesn't belong to me at all. Review each attached files carefully, My identity is attached in the file below along with an additional copy of my identity.
Product: Money transfer, virtual currency, or money service

Today, XXXX, I decided to use the CashApp program that so many others have recommended. When the XXXX asked me to enter information to verify my identity ( my date of birth and the last XXXX digits of my ssn ), I did. I IMMEDIATELY received this notification : " Your Cash App account has been closed. This happened because the info you entered is linked to a Terms of Service violation. '' I immediately went to 'CONTACT US ' as I have NEVER used this CashApp service before. I first got a XXXX XXXX XXXX  then finally what was supposed to be a live XXXX -- XXXX different ones who said they same thing, therefore, causing me to think it was just more XXXX XXXX  using real people 's names. The 'people ' refused to tell me why saying XXXX don't know ' and/or could not disclose the information!! Why? I asked, and was still refused the information or reason why! So, I screenshot all of the messages in the chat and wrote that I would proceed with the CFPB to access information on why I am being denied services to a service I have NEVER USED. Typical case of 'Discrimination ' since they requested my SSN ; or, 'Identity Theft ' since it seems that CashApp is always in the news, but supposedly they had better security now -- apparently not!! I am attaching as many of the screenshots that your system will allow - XXXX total...
Product: Debt collection

The original creditor AT & T has since sent my information to another debt collection agency and they refuse to stop calling me and they are improperly using my credit report again
Product: Consumer Loan

Equifax is not reporting my credit history. I have asked them to run my information so that my credit history will show ; however they ca n't seem to update but one thing at a time. There have been several issues on my credit report with equifax and it is effecting my life ; as most run the equifax credit bureau. I have spent well over a month trying to get everything corrected. I am attaching a full credit report and I want equifax to get my information right. What do I need to do?? See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reporting on equifax is not my accounts. Ive tried numerous times disputing these accounts. I hope you can assist me in resolving the issues with my report at equifax.
Product: Debt collection

In XXXX if 2018 I was admitted into the hospital and diagnosed with XXXX XXXX XXXX. I was on life support twice and XXXX XXXX XXXX XXXX XXXX XXXX. While the company may have sent out letters I did not receive them due to being hospitalized.
Product: Vehicle loan or lease

I received a car loan from Wells Fargo. They said I didnt pay my car payment and I didnt have insurance when I actually did. They were charging my loan every month for over 3 years their car insurance price to my loan. Doing so I couldnt figure out why I wasnt ever caught up and current on my car payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing a fraudulent account that has been reporting on my credit report. The company is XXXX Credit Card {$3000.00}. A credit repair company provided me with the documents of this account. I immediately contacted Experian to dispute this account. 

Spoke with the customer service representative and was told to contact XXXX. I called XXXX Fraud department and was told by them to provide them with documentation showing this account was not a account I opened. I submitted the police report, and affidavit of fraud and forgery that was notarized by my credit bank. I also sent them identity theft victim information sheet that I filed as well. 

This process has been ongoing with them. XXXX sent me a letter in XX/XX/XXXX saying that after their investigation the account was opened in XX/XX/XXXX, and they provided an address that is not an address where I have lived. At that point I had my apartment complex provide XXXX with a letter stating I have only lived at one address in the complex. And as of today Experian and XXXX are holding me against my rights to an account they have failed to prove I opened. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) block of information from Identity theft. " 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, not later than 4 business days after the date of receipt by such agency '' .... but this matter has been going on for years and Experian nor XXXX Credit Card has upheld this law.
Product: Student loan

I have a student loan that I took out to go to school in 2002 with XXXX. I was XXXX and my parents did n't think it was a bad decision at the time and I was still a kid. School ended up not being for me and I was stuck with the Loan from XXXX. The interest rate was always terrible in fact its still at 13 %. Its been in deferment or forbearance a bunch of times since then but for the most part I have paid it every month with no sign of the total lowering in all of these years. Thats 15 years of the total never going down with all of the payments I 've made. As I 've gotten older its been a real burden to become financially secure because of this loan. They refuse to help except with these 6 month deals to lower my payments in half but the payments go from {$450.00} to {$250.00} and still do n't really help me because the payments just go towards the interest. They never really want to help me or figure out what the best option is for me. All they care about is making sure I make these high payments with no end in sight. I really need help having this big mistake I made at XXXX forgiven. Please help me.
Product: Debt collection

The is at the least the 2nd complaint that I 'm filing against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and Discover within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving 7 debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all Discover has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and Discover investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with Discover 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor XXXX, and the Governor XXXX about Discover and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what Discover has done to me and possibly many others.
Product: Credit card

I ordered make up on XX/XX/XXXX from XXXX XXXXXXXX $ and their marketing was " try it before you buy for free '' as long as you cancelled within XXXX days of receipt. I cancelled all of the order on XX/XX/XXXX. XXXX XXXXXXXX emailed me that they cancelled my order. The following month I received a statement from Discover and the charge was still on my account. I called Discover because XXXX XXXXXXXX has zero customer service, there's no phone number and explained to them that this company said since I cancelled within XXXX days I didn't need to do anything else! I disputed the charges with Discover and yes this has been on-going since XXXX, XXXX. Discover says they have communications with XXXX XXXXXXXX but since that company does not want to admit that I cancelled they're going to keep charging my credit card, they have done absolutely nothing to resolve the issue that I am having with this company and continue to bill me. I have spoken with Discover customer service many times and they keep saying they're re-opening the dispute but they're also lying about that because there's nothing opened on my account. I even went as far as to XXXX the address to XXXX XXXXXXXX and returned their product ( Which I had them sign for and they have it in their possession ) and they are still trying to collect the money from my Discover card!! These XXXX companies are in cohoots together trying to steal my money! I would really like someone to reach out to Discover and ask them why the dispute was closed when they didn't read or look at anything that I have uploaded in there. Please help me get this cleared up.
Product: Debt collection

Attached to this complaint is a copy of a debt validation notice we received on  XXXX   XXXX ,   XXXX  , and dated  XXXX   XXXX ,   XXXX  , from the debt collection law firm of  XXXX   XXXX  in  XXXX  WA.     We dispute the validity of the debt identified in the notice and we will be sending a formal debt validation request and dispute letter directly to  XXXX   XXXX  within t he 30-day period of receiv ing this notice.  XXXX   XXXX  should cease and desist all collection activity and threats of judicial foreclosure until they have validated a debt, provide proof of creditor status and provide a complete accounting of all individual amounts, which would include any  3rd  party payments made towards this loan from obligors and other parties. Evidence of any electronic transfers of the note should be provided as well to establish who is entitled to receive payments.     The notice is a threat to deprive of our property with the statement, Even though the judicial foreclosure process is being commenced and may proceed during the 30-day period In this notice,  XXXX   XXXX  provides a false statement that BANK OF  AMERICA, N.A. ( BANA ) , is the current creditor to whom the debt/loan is owed.   BANA has never extended credit to us and has no economic interest in promissory note. BANA is only a servicer debt collector.
In a previous notice ( attached with this complaint ) sent to us by BANA, th  ey stated that  XXXX   XXXX   XXXX   XXXX   XXXX  was the creditor to whom the debt was owed.      XXXX   XXXX  and   BANA are violating the FDCPA that they must comply with.
BANA   is not a creditor per the FDCPA http : //www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm   803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
http : //www.ftc.gov/os/statutes/fdcpa/commentary.shtm Section 803 ( 4 ) defines " creditor '' as " any person who offers or extends credit creating a debt or to whom a debt is owed. '' However, the definition excludes a party who " receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 1. General. The definition includes the party that actually extended credit or became the obligee on an account in the normal course of business, and excludes [ 53 Fed. Reg. 50102 ] a party that was assigned a delinquent debt only for collection purposes.
Product: Credit reporting or other personal consumer reports

equifax stated to me in orevious complaint on here that these items would no longer be on my credit report but there still on it XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  should never have been on my report now whats the problem deleting them
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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXXXXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.