23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

GreenTree has a cease notice on file. This as the result of a previous complaint with the CFPB in addition to documented fax over a year ago. I am attaching a copy of a call log from my office. Please be advised that these calls are to my office line. When I asked XXXX to remove the number as we have a cease on the account she declined. Simply stating that she has to have a number on it. Our mortgage is not even 30 days late and I received a call daily along with a message on my main office line for employees to hear. XXXX filed a cease notice and we should not be getting any phone callsCalling my office- main number and leaving voicemail messages.. when there is a cease on the account is unacceptable. What is even more offensive is the fact that there was a voicemail messages for my employees to hear. I saved the voicemail message. Please be advised proof of the calls is attached to this document. The calls from XXXX are from Green Tree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for the Experian credit monitoring on the Experian website. The agreement is you get to see your scores and have access to monitoring for 7 days for {$1.00}. If you do not cancel during the 7 days, you get charged {$24.00}, and then {$24.00} every month thereafter.

I signed up and paid the {$1.00} o

n XX/XX/XXXX. Two days later, on the XX/XX/XXXX, I signed back in to cancel. The website informs you that cancellation can ONLY happen via phone, and a phone number is provided. I called the number, and after waiting on hold for over 2 hours, I finally had to leave the phone I was calling from. Now today, on XX/XX/XXXX, I have again experienced the same thing. It has quickly become painfully obvious that there will be no telephone conversation with Experian before XX/XX/XXXX, the date on which they are
scheduled to take my first {$24.00}.
Product: Credit reporting or other personal consumer reports

My personal info was found in numerous times in a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Federal Trade Commission, it is a federal offense for a credit reporting service to report information to my credit profile without my consent. Equifax credit reporting bureau has consistently violated these mandates and ignored my responses to reinvestigate and remove the alleged and inaccurate information they are reporting Federal law requires a response within 30 days. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

These actions constitute as unfair practices according to FTC 15 usc 1692A, by this organization which makes them civilly and criminally liable for their violations according to the FTC 15 usc 1611b. This organization has failed to comply and is in violation of 15 usc 1692 j ( a ) for furnishing deceptive forms, which again is unlawful. According to FTC 15 usc 1692j ( b ) this organization can be and is liable the same as the debt collector for failing to comply. This organization has failed to VALIDATE this alleged account, and instead have previously provided me with verification. My personal information such as my name and address are public records. A billing statement is also not VALIDATION. Equifax has not provided me with proper accurate validation from the debt collector nor of how they VALIDATED this account, or any information that would prove that i owe this alleged debt.

FCRA Act Section 611, gives me the right to request an explanation of the validation method used by the CRA. in which I request a copy under the FACTA act, SEC 312 ( b ) and ( c ).

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. 

I will exercise my rights under FRCA, Section 616, and pursue legal action if this account is not removed from my credit profile immediately.
Product: Mortgage

Due to the pandemic, our business has been closed for 18 months. During that time, our home mortgage company granted us deferral. Most recently, we were assured deferral until XXXX, when our business was slated to reopen. Nonetheless, we began making payments earlier, in XX/XX/2021. Note that the mortgage servicer raised our monthly payments by $ XXXX/month, making it much more difficult for us to pay, yet we made payments for XXXX, XXXX, XXXX and XXXX. However, they kept calling us about the past due balances and did not apply the payments to our past due balance. They even refused to deposit the check for the XXXX payment, stating that there was a block on accepting any payments on our account until we paid the past due balance in full. They then reported us as XXXX days late to the credit reporting agencies! This is absolutely outrageous and needs to be reversed at once. We are just coming out of 18 months with no income. We have reopened our business and anticipate being able to pay off the deferred amounts, and we have every intention of doing so, but we need time to take care of a backlog of bills.
Product: Payday loan, title loan, personal loan, or advance loan

I have been using MoneyLion for roughly a year and a half now. I like it for Its XXXX Feature and thats where all the good things end. Ive only had XXXX loans. My first XXXX were OK no issues. But then my third loan was paid out late. I had to call customer service numerous times for them to escalate it so that I get paid out on it. And all they could do is escalate it, they had no communication with anyone who actually worked on the case itself : Figuring out what held my loan from being paid back to me, and why it was on hold in the first place were questions they refused to answer. I didnt really care afterwards after my XXXX loan because I got my money. However, I didnt Expect them to not pay me at all for my XXXX and last loan. I was told that I would be paid my loan by XX/XX/XXXX, and its now been over a month since Ive paid off my loan and they havent released my funds from my credit reserve within their financial app. Customer service is XXXX. Their customer service reps are even more XXXX. No matter how many times I called back got a new rep or even got The same rep. All they could do was escalate My situation. Every time I ask for a supervisor, they could only do as much as the person who answered the phone the first time. Anyways, After having XXXX supervisors escalate the situation, I was ONLY reached by email by a customer advocate who is supposed to help, but told me the exact same thing as everybody else. Which was there was an investigation going on or there was something in the system causing an error ; the same excuse, different person.
Product: Consumer Loan

CarMax Business Services LLC  sold a car on   XXXX   XXXX   XXXX   and provided financing to someone who they should have known was not qualified to borrow any money. The person they provided the financing to has not had a job for over  XXXX  years and has never had a credit card or a loan. If they had done even the most basic credit check, they would have been able to determine this. Instead, the buyer was given a loan at almost 12 % interest. He will not be able to repay the loan and his family members had to assume the debt to avoid the risk of having the car repossessed.
Product: Credit reporting or other personal consumer reports

I've had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 FERPA 20 USC 1232 ( G ) 34 CFR 99 5 USC 525 ( A )
Product: Checking or savings account

XXXX XX/XX/XXXX I received a notification from Albert stating my XXXX  account ( the primary account where they have been withdrawing my money for my savings goals ) had disconnected and I tried multiple times between and XXXX and XXXX to reconnect it. 
- I reached back out to Albert on XX/XX/XXXX asking that they manually find a way to reconnect my account so I could withdraw the over {$4000.00} dollars that I have saved in the app. 
- None of the instructions received worked and on XX/XX/XXXX they told me that the app would need to be updated and this could take 2-3 business days. 
-It is now XX/XX/XXXX and I am still not able to withdraw my savings from the application. I have been constantly reaching out only to be bumped from person to person asking for me to explain the situation over and over with no resolution. 
-There is no live representative to talk to and they are saying they are not able to fix it. They are holding my money with no way for me to get it out.
Product: Debt collection

XX/XX/2018 I sent a Cease and desist letter to the company requesting to cease all further communications. 
Today I receive a collection notice from the company
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}
Product: Credit card or prepaid card

CITIBANK , N.A . has failed to resolve in my favor a dispute for {$770.00} that was charged to my Citi Advantage Master Card. I had submitted to CITIBANK , N.A . evidence that confirms that I never received the product for which I was charged {$770.00}. Nevertheless, CITIBANK , N.A . collected its fees and benefit from this transaction, for which I received nothing. The Dispute Case No.is XXXX.
Product: Credit reporting or other personal consumer reports

I have unauthorized and unveried inquiries on my credit report that needs to be removed immediately. under the FCRA specically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The nancial institutions I have listed in this report have no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I haven't initiated any tractions with any of these companies furthermore I don't have an account under 15 U.S.C 1639a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately. 

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 Equifax*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I entered into a payment agreement with company after I filed a previous dispute for its lack of transparency and fraud in how it handled my account. Despite my upholding all parts of my agreement, the company is reporting my account in a negative manner. My account is current per the agreement entered into and always has been. This negative reporting must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My I have attached my bank SS Card and DL for proof of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING THIS IN ORDER TO HAVE MY PERSONAL INFORMATION UPDATED TO FULL ACCURACY, THE CURRENT EXPERIAN CREDIT REPORT IS NOT AT MAXIMUM ACCURACY DUE TO AN ADDRESS ON THE REPORT WHICH IS NOT ASSOCIATED WITH THE CONSUMER. 
I HAVE CONTACTED THE EXPERIAN DISPUTE AND FRAUD DEPARTMENT MULTIPLE TIMES THEY HAVE BEEN INCOMPLIANT TOWARDS THE CONSUMER AND HAVE VIOLATED MY CONSUMER RIGHTS ON MULTIPLE PHONE CALLS
Product: Debt collection

This group called XXXX XXXX XXXX often calls me on my office line and asks about debt repayment based on my name " XXXX XXXX ''. They ask for personal information and I tell them I ca n't give them that. Then they ask me " Do you live on so-and-so street '' or " Does your SSN end with **** '' and it 's not even close to anything remotely resembling me. I mention it, and they say they will remove my name from the list, and then again in a few weeks I get the same call - clearly they do n't remove the name. I 've even told them they are harrassing me. We do n't have any outstanding debt ( mortgage etc ) that we 're not already paying off monthly - our credit rating is top-notch, so right off the bat this sounds like a phishing website. They ask me to call back XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXXXXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX 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

I have written letters to Navient Private Student Loans and XXXX  XXXX XXXX XXXX Credit Department for them to remove the incorrect remarks off of my credit report. The comments on my credit report reads as follows : Dispute Resolved/Consumer Disagrees. This comment is preventing me from moving forward with me purchasing a home. My lender from XXXX XXXX XXXX, tried to pull my credit file and could not obtain the file due to XXXX  having a block on the file and the incorrect comments that I have mentioned previously. I am so tired of going back and forth with these agencies. I am really tired and I need someone to intervene between these companies. I have written letters in XXXX, XXXX and XXXX of 2021 and nothing has happened. I need to move. My son and I are living with someone and she wants us to leave and I need to move. I have gone through XXXX XXXX XXXX XXXX  workshop and worked and repaired my credit and now I am at the point where I can go to a lender for financing and this obstacle is preventing me from moving forward. 

Please help, Ms. XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B likely mandates the removal of any incorrect accounts from my credit report. Could you please check the documents for accuracy? Some accounts are reported inaccurately, with wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} ; XXXX XXXX Balance : {$5900.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$61.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

We have been loyal Chase customers for years now and always pay our balance in full each month so as not to accrue interest. We were offered a {$15000.00} " balance transfer '' offer at 0 % for 10 months. We spoke with a rep at Chase Bank on XX/XX/year> who said that if we take the offer, our card would work the same as it does now and then we would have a separate section of the site to pay toward our {$15000.00} balance. That offer was authorized over the phone on the same on day on XX/XX/year>. Instead, the balance transfer balance was lumped into our total card balance. Today, XX/XX/year>, a supervisor at Chase has told us that since we accepted the balance transfer offer we have now foregone our 21-day grace period to pay our normal credit card purchases without accruing interest. This was never explained over the phone, nor was it in any written communication that we received about the balance transfer offer. We did not receive any written communication about the balance transfer offer until XX/XX/year>. The document provided was a 1-page document that makes no mention of a loss of the grace period. After having our case escalated to a manager and explaining that there was no mention of these terms, the manager at Chase bank hung up on us. This offer was used as a way for Chase to claim that they now have the right to charge us daily interest on our normal credit card purchases even if they're paid by the statement due date. The expense for our wedding caterer went on the card for the billing cycle in question. Chase is now trying to charge us interest on major expenses when these terms were never disclosed anywhere in their fine print or over the phone.
Product: Checking or savings account

XX/XX/XXXX my card was fraudulently used a number of times at XXXX different stores, XXXX named XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$44.00} and another transaction at the same store for the amount of {$100.00}. On the same day there was also another transaction from a XX/XX/XXXX in XXXX XXXX for amount of {$120.00}, followed by another charge for {$120.00} and a third one for {$120.00}, at the same XX/XX/XXXX. The total amount of all illegal purchases made that day were {$510.00}. I have never been to XXXX, nor have I ever use my debit card in that city. I was at work that day, while those purchases were being made. I submitted a claim to the Bank of America, and they denied my claim saying that it was I or someone who has my permission to use the card or account, made those purchases. There must be some cameras in those stores showing I was not the person making those purchases. Why would I make multiple purchases at one on the same day in a city I have never been to. Please help! This is screaming fraud, and whoever looks at this will realize it could have not been me.
Product: Checking or savings account

I filed a dispute with Chime on XX/XX/XXXX, regarding a personal trainer stealing my money. Originally I was set up to receive physical training services on XX/XX/XXXX. The physical trainer, XXXX XXXX of XXXX XXXX, assured me the funds ( {$340.00} ) were meant to come out the day before I started services. I needed to make a change in the start date, due to personal reasons. I reached out to XXXX on XX/XX/XXXX at XXXXXXXX XXXX to push back the start date. Shortly after that, I realized he already charged me the {$340.00} via XXXX, at XXXX XXXX. Considering the start date was set for XX/XX/XXXX, and I was supposed to be charged a day before, there was no reason whatsoever that he should've charged me on XX/XX/XXXX. After consistently calling and communicating back and forth with Chime regarding the dispute, I have yet to receive any assistance with obtaining my funds. I have shown proof that XXXX said he would refund me and then proceeded to start ignoring me. I have trusted Chime and have been a customer for several years, and Chime has done nothing to show me that they appreciate my patronage. Chime is supposed to protect its customer 's funds. That's what banks do. I need this situation to be remedied immediately. I'm not sure how Chime has allowed this to go on so long. I'm attaching screenshots of the communication between XXXX and me ( which I provided to Chime ) ; as well as proof that when I would reach out to Chime, they would respond via email and do absolutely nothing to assist me ( I've attached 6 of 12 communications that occurred between XX/XX/XXXX and XX/XX/XXXX ). I also attached a screenshot of my calls to Chime.
Product: Credit reporting or other personal consumer reports

I disputed the accounts multiple times and have yet to receive any proof of the account belonging to me.
Product: Debt collection

XX/XX/year> Subject : Dispute of Charged-Off Account with Inaccurate Balance FCRA 15 USC 1681 Dear Sir/Madam, I am writing to file a formal dispute regarding an account that is inaccurately reported on my credit file. The account, identified as XXXX XXXX XXXX Credit Card with the account number # XXXX shows a charged-off status and an incorrect balance of {$770.00} on my credit report. This dispute is filed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, which entitles me to dispute any inaccurate or incomplete information on my credit report. Upon reviewing my credit file, I noticed that this account still reflects a balance that I believe is inaccurate due to the following reason, The reported balance does not reflect an agreed settlement amount or payment arrangement. ) Under 15 USC 1681i, I am requesting that the CFPB assist me in ensuring that this matter is investigated thoroughly and that the information reported is either verified or corrected. If this balance can not be substantiated, I respectfully request that it be removed from my credit report entirely. I have also contacted the credit reporting agency and the creditor directly ; however, I have not received a satisfactory resolution. As required by the FCRA, I am asking for a thorough investigation to be conducted, and for a response within the legally prescribed 30-day period. Please assist me in resolving this issue as soon as possible. I am requesting the following actions : A full investigation of the account in question. Correction or removal of the charged-off account balance if found to be inaccurate. Confirmation of the outcome of the investigation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in compliance with FCRA 15 USC 1681 to ensure that accurate information is reported on my credit file. Sincerely, XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits in XX/XX/year>. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.