23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This was a supposed installment loan because my husband was unemployed and i am XXXX, to help pay bills, car payment, rent electric that had been cut off and was trying to feed a family of 5. They continued to attach interest and late fees. This is definitely predatory lending. I also asked them to extend the payments which they refused to do. Or to reduce the payments so i could get caught up, which they refused. The calls were threatening. As are the calls from most collection agencies that have this type of clientele. Its fraudulent how much money this has increased from the original loan. Unfortunately due to covid we can barely make ends meet. 
Bottom line i do not have the money to pay {$100.00} let alone $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employers : XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXXXXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax Information Services LLC regarding persistent issues with my online account, which have resulted in significant inaccuracies in my credit report and ongoing frustration in resolving these matters. **Details of the Complaint : ** 1. **Online Portal Issues** : Since XX/XX/year> I have been unable to refresh or update my credit report through my Equifax online account. An error message appears each time I attempt to access my credit score, preventing me from viewing or managing my credit profile effectively. 2. **Unverified Accounts** : Despite my ongoing efforts to dispute certain accounts, Equifax continues to report them as verified without providing any supporting documentation. These accounts are unique to Equifax, as they do not appear on my reports from XXXX or XXXX. XXXX. **Customer Service Attempts** : I have called Equifax numerous times to address these concerns. Each time, I have been assured that the issues would be resolved, yet no effective changes have been made. The lack of follow-up or resolution has left me feeling frustrated and powerless. Given these circumstances, I believe Equifax is not complying with the requirements of the Fair Credit Reporting Act ( FCRA ), particularly regarding the accuracy of reporting and the need for timely resolution of disputes. As a consumer, I expect that my credit information is handled with accuracy and integrity, and I am deeply concerned that these issues are adversely affecting my credit score and financial well-being. I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Equifax addresses these issues promptly. I appreciate your attention to this serious matter and look forward to your response. Attached are screen shots of error code and letter of the fraudulent accounts Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor XXXX XXXX has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose. Please remove.
Product: Prepaid card

This card expired after less than a year, despite the federal law saying that the funds need to be good for XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by XXXX XXXX. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at XXXX XXXX XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to XXXX XXXX regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My XXXX XXXX statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXX days late, and I am requesting an immediate update to all XXXX bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN RECEIVING MULTIPLE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I RECENTLY REVIEW A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS INQUIRIES ON MY CREDIT REPORT. I ALSO PLACE A IDENTITY THEFT WITH EQUIFAX ON XXXX. PLEASE REMOVE THE FRAUDULENT INQUIRIES THANKS SO MUCH I REALLY APPRECIATE IT.
Product: Mortgage

XXXX XXXX XXXXrviced my conventional mortgage which was paid and closed on XXXX. Upon closing, there was a remaining escrow balance of {$1000.00}. 

On XXXX a check was supposedly sent to me to clear the balance. This would have satisfied the 12 CFR 1024.34 regarding timely escrow payments. I never received this check. 

On XXXX, after reviewing personal documents, it was discovered that the escrow check had not been received/deposited into my account. A call was made to XXXX XXXX and a 60 day work order was submitted to investigate and re-send the check. 

On XXXX, no check had been received and no information had been shared, so a follow-up call was made to XXXX XXXX No new information seemed to be available, so an internal expedited request was submitted. 

On XXXX, no check had been received and no information had been shared to me. At some point along the way, the work order had been re-submitted and check had been re-ordered. 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX It was shared that the check had been re-ordered on XXXX and that a check might have been sent on XXXX, but no confirmation could be made available. 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX. During this call, it was indicated that the check had been sent on XXXX and that it should arrive within XXXX business days ( no later than XXXX ). 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX During this call, a new expedited request was submitted, but no resolution was reached. I spoke with multiple supervisors and managers. One of which revealed that no actual request had been submitted on XXXX, and there was no evidence of a check ever being cut on XXXX. 

I have yet to receive the escrow check or any tangible information regarding the payment. All along the way, no email, digital communication, direct point of contact, work order ID number, or any other convenient mechanism to track the issue has been made available. When asked how to submit a formal complaint, XXXX XXXX XXXXnvited me to send them snail mail.
Product: Credit card

I am concerned that Lowes credit card is misrepresenting their terms and late fees! In my telephone inquiry, regarding a late fee, I was told " the government allows us to charge a late fee after XXXX days of issuing a statement. '' I asked what their billing cycle is and was told it is XXXX days. How can a due date be XXXX days on a XXXX billing cycle? In reviewing my current statement date XXXX/XXXX/15, which I received on the XXXX ( XXXX days? ), It had a purchase dated XXXX/XXXX/15 on it. due date XXXX/XXXX/15. There is no postmark on there postmark on their envelope to verify when it is mailed, XXXX days is longer than most deliveries. I believe their intention is to leave a very short time to respond to the statement, thereby increasing there ability to charge late fees. 
XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : DEPT OF XXXX XXXX {$2300.00} XX/XX/XXXX DEPT OF XXXX XXXX {$2400.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$870.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate, unvalidated information to my credit file. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
Product: Debt collection

This company claims to be a law firm representing XXXX XXXX XXXX. They have called my place of employment and left a voicemail detailing an alleged debt on our public voicemail box. They also call my cell phone multiple times a day, becoming confrontational bordering on aggressive when we have spoken. I have explained to them that I closed my account with XXXX and should not have been charged, nor should I have an account in collections. I have blocked several numbers but continue to receive calls from them regularly.
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX of XXXX XXXX on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is supposed to include insurance, but XXXX XXXX XXXX XXXX XXXX made me purchase insurance separately.
Product: Checking or savings account

Hi, There is NO reason that banks should charge fees for withdrawal transactions submitted to a bank account. They are well aware of the account is empty. If they cared about benefitting the customer, they would block it, with no consequences. Instead, they charge an egregious {$35.00} industry fee. This fee would never be allowed, except these banks have regulatory monopolies given by their special government mandates. Moreover, they charge the same fee as many times as transactions occur. Using their app to check my balance, they also slow the update time, so that it is IMPOSSIBLE to check your real-time balance. Therefore, your ONLY hope of avoiding overdraft fees ( even if you do everything possible to avoid it ), is to never allow your account to fall below many multiples of your monthly withdrawal volume. ( E.g. if I spend $ XXXX / mo, then I need to maintain $ XXXX in my account, otherwise the multiple transactions hitting the same bank account may overdraft, given it is impossible to check the real-time balance given the banking delays. All major retail banks have this. This means if the transaction fails or you can not know about the overdraft ( THEY DON '' T EVEN TELL YOU AND I REALIZED MANY HIDDEN FEES IN OLD TRANSACTIONS ). THESE BANKS DON '' T HELP CONSUMERS THIS WAY. THEY STEAL MONEY THAT CUSTOMERS DESERVE THE RIGHT TO PREVENT. I SHOULD NOT NEED TO HAVE STUPID AMOUNTS OF MONEY IN MY SAVINGS ACCOUNT BECAUSE OF OVERDRAFT FEES. I LOSE HUNDREDS OF DOLLARS, THE BANK ALSO STEALS, IN OPPORTUNITY COST XXXX XXXX XXXX DOLLARS A XXXX YEAR HEY GOVERNMENT. IF YOU'RE GOING TO CREATE BANKS. FIX THE XXXX OBVIOUS ABUSE OF POWER. DO YOUR JOB. THE FACT THAT OVERDRAFT FEES EXIST PROVE HOW MUCH YOU XXXX XXXX AND SHOULD NEVER HAVE HAD OVERSIGHT. I WOULD CREATE A NEW BANK TO FIX THIS PROBLEM, IF YOU LET ME. YOU ONL.Y LET THE XXXX EVIL PEOPLE START BANKS AND XXXX PEOPLE OUT OF THEIR FUNDS, EARNING RISK FREE PROFITS BECAUSE OF THEIR GOVERNEMENT PROTECTED MARKET POSITION. CUT THE OVERDRAFT FEES OR ADMIT YOU'RE XXXX XXXX XXXX XXXX THAT HURT YOUR COUNTRY MUCH MORE THAN YOU HELP. BAD AMERICANS. DO SOMETHING. DON'T XXXX ARGUE WHY OVERDRAFT FEES ARE GOOD. I'M RICH. I DON'T CARE ABOUT HUNDREDS OF DOLLARS. YOU XXXX DESTROY PEOPLE WITH YOUR REGULATIONS WHO STRUGGLE TO SURVIVE. XXXX STOP THE OVERDRAFT FEES. REVIEW THESE BANKS TOP TO BOTTOM. HAVE CONGRESS EXECUTE, AND TESTIFY. GET YOUR XXXX COUNTRY IN ORDER YOU XXXX USELESS GOVERNMENT AGENCIES. 

PLEASE REQUIRE THAT BANKS REMOVE OVERDRAFT FEES. THEY DON'T EVEN WITHDRAW THE MONEY. ALL THEY DO
Product: Checking or savings account

I have an HSA account with XXXX. Because it charges monthly fees, I decided to open a new custodian account at XXXX. 

On XX/XX/XXXX, my new custodian sent the transfer request to XXXX. However, XXXX claimed it never received the request. 

On XX/XX/XXXX, I asked my new custodian to send the second transfer request. On XX/XX/XXXX, I called XXXX to check if it has received the transfer request. The customer service representative said they have not received any forms. 

During XXXX to XXXX, XXXX continued to charge me {$14.00} fees. I expressed my frustration to the CSR over the phone. She later told me that they did receive the form for XXXX XXXX, but not XXXX XXXX. Obviously, it was a lie. 

I expect the XXXX can process my request and send my money ( and refund of extra charge ) to my new custodian immediately.
Product: Mortgage

we had aa XXXX Mortage on our home with ( XXXX ) bank of XXXX. been calling for a month talking with several people getting the run around from Bank of America to relase the title that they are holding which is CRIMINAL- this happened in XXXX but in XXXX on the financial crisis XXXX had a class action lawsuit against them for giving out bad loans. Bank of America ref # XXXX left massages for XXXX XXXX that is title release supervior XXXX no call back. trying to do a direct sell my home. I need this taken care. please HELP!! Name XXXX XXXX phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need any more information please call.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account with Pentagon Federal Credit Union, having requested closed my previous account on XX/XX/XXXX at the completion of an auto loan. 

I did deposit money to open the account. 

I was never given access to my account online, and there is no branch for this bank. I tried countless times to work with PenFed customer service to obtain access, but every time I attempt to log into penfed, with my correct username and password, an error message appears. Penfed is holding my money hostage.
Product: Mortgage

I had a lot loan with Wachovia bank. It was a 5 year interest only loan. I did not realize it was interest only until I noticed no principal reduction was occurring ... ... ... .this was certainly my fault. I was in the process of re doing the loan with Wachovia and they went out of business. I found out that wells fargo had inherited the Wachovia business. Wells had no idea, at the time, about my loan and it was very difficult to get anyone to recognize I had a loan outstanding. I stopped paying on the loan and I figured I would hear from someone. I finally heard from the mortgage collection department. I told them that this was a lot and had no house on it and I wanted to refinance it that also included principle reduction. After months of talking to many people I was told wells did not have a lot loan department and I had to deal with them. This seemed wrong but I tried to work with them. It was also odvious I was not going to be able to refinance this lot. All the people I was dealing with were interested in was collecting. I was continually told if I did n't pay they would ruin my credit reports. I was concerned about this and I was willing to work some thing out. 
I was dealing with a man by the name of XXXX XXXX in the home mortgage collection department. I had worked out a repayment plan that required {$19000.00} lump some payment and then {$480.00} a month until the loan was paid off. I have a copy of this agreement. 
I agreed to this, I made the {$19000.00} payment and was ready to move forward. I found out that several days before I received repayment agreement plan wells had foreclosed on the loan. This of course went on my credit reports and has been a burden to me. 
I have made my payments on time to wells and have in fact paid this might mare off. I have a lien release and a letter stating this loan has been paid off. 
I am requesting that my credit reports read correctly, that the loan XXXX is paid, just like the letters state I have from wells. I also request that the fore closer is dropped from my credit records. This report is almost 7 years old and needs to go away. 
Thank you for your attention in this matter ... ... ... 

XXXX XXXX. 
.
Product: Debt collection

In XX/XX/2018 I filed a complaint with this company and they claimed to have placed my parents numbers on a Do Not Call list. Yet my parents are once again receiving repeated and harassing phone calls discussing my debt. 

Not only have I asked XXXX XXXX to stop and they have not honored that, they have taken to calling from multiple numbers at all hours of the day, 7 days per week. This is harassment and an invasion of my privacy. Any number you are calling needs to stop IMMEDIATELY as it should have almost a year ago.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Acct number updated from XXXX to XXXX by Wells Fargo Bank ( XX/XX/XXXX ) without consent. I discovered recently. I requested asked for a voided check just for reassurance of routing and checking number and the entire account were changed not sure why. I received copies of statements by mail XX/XX/XXXX. I realized XX/XX/XXXX has acct number ending in XXXX on the statement. How is that possible? That report should have reflected acct ending in XXXX. I will not take responsibility of understanding how all this happened or who is involved. I just know that money is missing and there are acts open without my consent. that report when it was updated XXXX to XXXX. 
Acct XXXX. XXXX, XXXX. My job does reflect some update in acct checking.
Product: Vehicle loan or lease

Over the course of my loan with Exeter Finance they have repeatedly harassed me ( 5+ calls a day ) my mother who isnt on the loan and has been told to not contact, my brother who is not on the loan who they have been told not to contact. Numerous times they were given the only appropriate phone number to reach me but they still refuse to by now not even calling me just people not even on my loan. This company will repeatedly harass you no matter what.