23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last 4 of SS # is XXXX XXXX XXXX who I have some accounts with that are past due because of a couple unexpected expenses ( water damage at apartment and personal family issue ) that cost me extra money I really didn't have and caused me to get behind on payments and bills. XXXX calls my cell phone and my daughter 's cell phone ( we don't have a home phone, only cell phone ) constantly especially my daughter 's phone every single day multiple times a day from SO many completely different phone numbers coming from different locations. We don't answer numbers we don't know and we are usually at work when they call. Have looked up the numbers to find they are all comenity and see comments from tons of people saying they get several calls a day too from different numbers and leaving the same exact threatening messages they leave me too. Sometimes they leave a voicemail ( always a different person, same message ) threatening me that an urgent matter has been placed with them and if I don't call by that same day by XXXX then they will be escalating the matter even further but they never do, different people just keep calling and leaving the same exact message again. Has been happening over the past 2 to 3 months. I have sent messages to comenity asking them to please stop calling our numbers and that I am aware of the accounts and that I got behind and will have to make smaller payments right now. They do not comply with my request and continue to call and leave messages constantly. They are trying to annoy and harass people probably until they can't take it anymore and looking up complains, this happens to so many people. I have been so stressed because of money issues etc right now all these people calling are making me more stressed. I wouldn't even want to try and talk to them because I have a feeling they would threaten me when talking to them and I can't deal with that right now. They even called a home number of my ex husband that I haven't been with in over 20 years and left a voicemail for me on his answering machine ( he did the greeting for answering machine so they heard it was man at that resident and not me ). He told and asked my daughter about it and what and why they were calling and she told me, she told him she didn't know. It's embarrassing for them to be contacting and leaving messages for other people that I don't even have contact with or live with. I don't live with any other relatives or spouse, just me and my daughter. Again I told them I can start making smaller payments for right now until I get back on track and can get caught up, at least it will be some kind of payments. They can contact me by email or mail, I just really want and need them to stop calling numbers. It's getting to be way to much, harassing and streasful. I was going to send them written letter but figured they probably still wouldn't stop, I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX, I filed a dispute with this Credit Bureau about theInaccurate reporting of addresses I've never lived at before XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX and phone numbers that I am not familiar with. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting or other personal consumer reports

A collection company contacted me illegally regarding this account, The original creditor place this on my consumer report without my written consent. 15USC 1681 section 602 a state that I have a right to privacy. 15usc1681 section 604a section 2 states that consumer reporting agencies can not furnish a account without my written consent/ written instructions.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

On XXXX XXXX I signed a contract agreement with Carmax, which they advertise to me that I need a downpayment in order to purchase the vehicle, 15 USC-1605 States, no cash should be used in a consumer credit contract or a retail installment contract, which is a violationt, 12 CFR 1026.18 rules are that all charges are in the finance charge, and other fees that was charge, which Carmax did not disclose to me, also Carmax Auto is the seller and holder of the contract, so is subjected to civill under 15 USC 1640, or criminally liable, they have violated TILA by not adhering to the laws, Carmax reported to my credit profile that the contract is a loan but yet they have on the contract that it is a retail installment contract, and in contrary to that the CFPB states that a retail installment contract is different from a loan, so once again Carmax is deceptive in reporting on my credit report profile, 15 USC 1681.2 ( a ) ( 1 ) ( bII ) states persons shall not report false an inaccurate information relating to consumer or consumer reporting agency. 

On XXXX I sent a letter of XXXX with an affidavit to Carmax and got no response, I gave them a chance to rebut, which they did not. they have dishonored the contract and will be held liable. the contract is deemed null and void. and I will be including the right to sue for double the finance charge pursuant to 15 USC 1611.
Product: Mortgage

I am extremely concerned about the method in which SWE Homes, LP is handling my request for permission to be late on my XX/XX/2019 payment and my XX/XX/2019 payment. 

I have made partial payments totaling to my XX/XX/2019 payment plus the late fees and fines which equaled {$450.00} according to SWE Homes, LP. My total payments which were paid within the month of XX/XX/2019 = {$470.00}. I requested time to pay the XX/XX/2019 payment, and even had funds remaining to go toward my XXXX bill. 

SWE Homes, LP sent ( 3 ) payments back with a letter threatening payment in full of the XXXX and XXXX bill or a foreclosure. SWE Homes, LP never replied to my communication as to why or what. They just sent letters saying pay this, as if they have not recieved payments from me. 

I mailed to them a letter as to how I made these payments and even instructed them to use funds from monthly over-payments made to SWE Homes, LP from my account to go to my late payments. But everyday, they send back the installment/ partial payments that I made. Not telling me anything was wrong or what, they just send the foreclosure notices and money order payments back. 

I think something fishy is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by US SM BUS ADMIN XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

This is a letter of Demand to the requisite recipient. It is the format in which  IA  wih to make my complaint.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX  CA  XXXX  (  XXXX  )  XXXX  Letter To Bank Of America  XXXX   XXXX   XXXX  TO :  XXXX   XXXX   XXXX , Chief  Executive Officer Bank of America Corporation   XXXX   XXXX   XXXX   XXXX .    XXXX , NC  XXXX   Re :  Reimbursement for major losses from  XXXX   XXXX ,  XXXX  to  XXXX   XXXX ,  XXXX  Dear  XXXX   XXXX  : This is the second letter I have sent to  y0u v ia the Consumer Financial Protection Bureaus Complaint Section. Your meter is running, and I wont wait to take action.     I already had offered you the chance to make a good faith gesture by providing me with a lump sum payment of {$25.00}. Now, the demand is about to double. If I have not heard a positive response from you by the fourth Wednesday of  XXXX , or  XXXX   XXXX ,  XXXX , the amount will be {$50000.00} plus compound interest.     In late  XXXX , I sent your office a Qualified Written Request ( RESPA ) per the Letter of Mortgage Satisfaction you sent us on  XXXX   XXXX ,  XXXX . The letter inquired as to whether Bank of America had fulfilled its fiduciary obligation as Trustee and alleged  Owner  of the Mortgage  Loan  (  XXXX  ) we were deemed to owe.     To my knowledge and belief, neither forms  XXXX ,  XXXX , or the forms  XXXX  and  XXXX  Schedule A had been filed commensurate with this account. I will be expecting your firm to verify in writing, with proof that those forms have been filed, and the income accruing from this transaction has been reported to the   Internal Revenue Service   and the   XXXX   XXXX   XXXX   XXXX   XXXX .     We both agree that my spouse and me are the sole proprietors of the property at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  CA  XXXX . Again, I am reclaiming possession of that property ; and, I will have my vehicle towed to that sight and placed on the property at a later date, if I have not been given the means to get it repaired before then by you and  XXXX   XXXX ,  XXXX . I will be contacting him next, along with the  CEO  of  XXXX   XXXX .     We will demand compensation from the  XXXX  of them and the other trustees/beneficiaries connected to this mortgage. At some point, the pressure will m ount, in media, and in the legal system such that you will be forced to comply. Make it easier and simple. Make the good-faith gesture, and we can apply that to what you owe. And, we both know you owe restitution.     Otherwise, I will be forced to pursue legal and media actions that will cost you in a myriad of ways. By networking, publishing letters to you and writing articles, and linking to other sites.      Youve taken some positive steps, dont stop now. Better  sooner than later.     Sincerely,  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME PLEASE REMOVE THEM XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XXXX  XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks
Product: Credit card

I received a promotional offer for my Gap Card ( issued by Synchrony Bank ) for the months of XX/XX/XXXX and XX/XX/2016. The promotion was you would receive 5 times the normal rewards points for each purchase during the period PLUS XXXX points each day the card was used. Points were to be awarded within 2 billing statements By XX/XX/XXXX no bonuses were issued. I contacted Synchrony Bank and they acted like they never heard of the promotion and said they would look into it- I could expect to have it resolved in 2 or 3 more billing cycles. I contacted The Gap about this via email ( attached to this complaint ), they apologized and said Synchrony Bank would be in touch within several days. They were. A nice woman named XXXX from SB apologized for my problem, explained that by error the offer was n't linked to my account but that it was good, I would get my points and even offered {$50.00} in extra rewards points for my trouble. She assured me it would be resolved and the rewards would be awarded by my next statement. By this time I had at least 90 mins invested in calls, live 'chats ', and letter writing. After our call, I confirmed that the 'points for my troubles ' ( {$50.00} in Gap rewards ) were added to my account and believed that the points I 'earned ' through the promotion would be added soon and every thing would be fine. Today I received a form letter in the mail, basically playing 'Twenty Questions ', asking dates, amounts, etc- as if I am supposed to do all the research and calculations for them, after I was assured that the matter was settled- basically taking me back to 'square one '. They clearly had all this info already when I spoke with XXXX. What a terrible consumer experience and poor reflection on The Gap. I really never want to have anything to do with either Synchrony Bank or The Gap ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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: Mortgage

LoanCare XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We started a short sale with LoanCare on XX/XX/XXXX. They have had our authorization on file since XX/XX/XXXX. We were told today that LoanCare had contacted the borrowers mortgage broker that originated the loan, telling him that the borrower had stopped making payments and asking if they knew what was going on with the situation. 

By contacting the mortgage broker, LoanCare has released private information to a non-authorized third party and made an illegal attempt at debt collection. 

Unfortunately we have a lot of files with LoanCare right now and we are seeing a disturbing trend on all of these files where they are violating both state and federal law. Who is overseeing their training? My guess is No One. 

THESE ACTS ARE ILLEGAL AND A CLEAR VIOLATION OF THEIR SERVICING GUIDELINES. I want LoanCare fined the maximum of $ XXXX due to their purposeful and egregious ILLEGAL ACTS. ***This can not possibly be the only file LoanCare has done this on. I want them investigated for FDCPA Violations. Who else have they given out our clients private information to? 

CC : US House Committee on Financial Services Chairwoman XXXX XXXX. 
Attorney General XXXX XXXX
Product: Bank account or service

I had an account with M & T bank ... I disputed a {$1000.00} charge in XXXX ... they gave me a provisional credit ... later reversing their decision in XXXX ... however I went to court in XXXX ... the judge ruled in my favor ... I feel like M & T bank wrongly released funds ... I now have a {$51.00} charge off my credit ... .which I feel I would n't have if they had n't been prejudice to my situation ... and me as an individual ... after working with the attorney general 's office ... they directed me to the bank to recoup my funds and M & T bank advised me that they can not help me to do so ... .even though they filed my dispute incorrectly. So I feel like M & T bank has failed me ... and now ca n't even help me..after they made a mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 

XXXX reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/2020.  In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/2020, XX/XX/2020 and XX/XX/2020 remove derogatory remarks, update to XXXX balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on Equifax, XXXX  and XXXX XXXX. XXXX need to XXXX balance, remove negative remarks ( late and repossession ).
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and previously removed. In fact, XXXX Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations Specialist XXXX XXXX XXXX alongside other representative Sr Representatives have committed fraud by making false statements of correction to both the State of Maryland Division of Financial Regulation ( XXXX XXXXXXXX XXXX and Consumer Financial Protection Bureau dating back to XXXX. 

XX/XX/XXXX XXXX XXXX of the XXXX Office of Consumer Affairs wrote correspondence to XXXX XXXX stating a disputed file for Kohls/Capital One ending in XXXX and XXXX have been removed and not currently reporting within my credit file. This account has now been reinserted with know to be fraudulent information asserting the first missed payment being XX/XX/XXXX. 

In referencing Confirmation # XXXX, the continued claim of correction by XXXX the Creditor Kohl 's Capital One,  unlawfully negatively reinsertion is a practiced targeted correlated attack on consumers. XXXX then blocks consumers from retrieving their reports and maintaining correctness virtual, in an effort to harm the consumer. XXXX has placed a block on my credit file alongside an extended fraud alert without the consumer 's XXXX XXXX XXXX XXXX request or consent. 

I faxed and mailed correction, without response, to XXXX and the creditor Kohl 's Capital One referencing the aforementioned error and demanding immediate correction.
Product: Checking or savings account

Wells fargo opened a account in my name and refuses to close when I never opened a account
Product: Credit card or prepaid card

I have XXXXwo issues with Capital One Bank. Both of which I have tried to call and resolve with them numerous times, and to no avail.

1.

The first is simple - many of my " hard inquiries '' over the past 2 years is from Captial One. There should have only been ONE Capital One authorized pull on my credit during that time period. 

That would have been for XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The only accurate authorized credit check was on XX/XX/XXXX when I applied for a credit card. I would ask that all other Capital One Hard Inquiries be removed from all 3 credit files.

2.

Secondly, and more complex is the status of my 3 capital one credit cards. I applied for these cards in XXXX and XXXX. I had the Capital One Spark, Venture and a Business one. I had a perfect payment history on all 3 until I moved from XXXX  to XXXX, and ended up in a situation where I was without work for 3 months. I called Capital One and they offered me a special program where all 3 accounts would be reduced to 7.4 % interest, as long as I made the minimal payments on time.

I was TOLD that this was a program for and by Capital One and as such, they would either remove the 3 months of negative payments or mark them as deferred. Regardless, my agreement to be in the program was to have those late payments removed, so that I could have a 6 year history credit - of accounts in good standing and being paid on time. 

Today, all 3 accounts show a perfect payment schedule since I began the program, but they still show negative payment history for this specific time period. I chose to do this, instead of closing the accounts and not paying them, or consolidating the 3 accounts into a new loan. I am a loyal and long-standing Capital One customer who still has a checking account with them, and has paid down what was approximately XXXX  in debt 18 months ago to today where I owe approximately XXXX.

Having done this with Capital One, has not been to my advantage, in fact it has put me at a total disadvantage. I am told it is not counted as a long term account so I lose the 5 years of payments, and I am dinged for having so many late payments on 3 accounts during that 90 day period. The account is closed - so each credit reporting bureau reports differently. Some report it as having a 12 month payment history, some have nothing but a negative history and account closed, one has the entire 5 years including all the negative payment months.

I have spoken to people at each of the 3 credit bureaus. They say there is nothing they can do. I have spoken with Capital One several times and they say that there is nothing they can do, yet they control what data is being shared. I explained to them that I ONLY entered their program because the months where I was late paying would be eliminated as either NA or deferred - but NEVER as delinquent which is what they have continued to be this entire time.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated Addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX are listed under my personal information.