23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

YOUR COMPLAINT Consumer Financial Protection XXXX are issued to all parties with authority to enforce federal consumer financial law. The Consumer Financial Protection Bureau ( CFPB ) is the principal federal regulator responsible for administering federal consumer financial law, see 12 U.S.C. 5511, including the Consumer Financial Protection Acts prohibition on unfair, deceptive, and abusive acts or practices, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), and 18 other enumerated consumer laws, 12 U.S.C. 5481 ( 12 ). However, these laws are also enforced by state attorneys general and state regulators, 12 U.S.C. 5552, and XXXX regulators including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the National Credit Union Administration. See, e.g., 12 U.S.C. 5516 ( d ), 5581 ( c ) ( 2 ) ( exclusive enforcement authority for banks and credit unions with {$10.00} XXXX or less in assets ). Some federal consumer financial laws are also enforceable by other federal agencies, including the Department of Justice and the Federal Trade Commission, the XXXX XXXX XXXX, the Department of Transportation, and the Department of Agriculture. In addition, some of these laws provide for private enforcement. Consumer Financial Protection XXXX are intended to promote consistency in approach across the various enforcement agencies and parties, pursuant to the CFPBs statutory objective to ensure federal consumer financial law is enforced consistently. 12 U.S.C. 5511 ( b ) ( 4 ). Consumer Financial Protection XXXX are also intended to provide transparency to partner agencies regarding the CFPBs intended approach when cooperating in enforcement actions. See, e.g., 12 U.S.C. 5552 ( b ) ( consultation with CFPB by state attorneys general and regulators ) ; 12 U.S.C. 5562 ( a ) ( joint investigatory work between CFPB and other agencies ). Consumer Financial Protection XXXX are general statements of policy under the Administrative Procedure Act. 5 U.S.C. 553 ( b ). They provide background information about applicable law, articulate considerations relevant to the Bureau 's exercise of its authorities, and, in the interest of maintaining consistency, advise other parties with authority to enforce federal consumer financial law. They do not restrict the Bureaus exercise of its authorities, impose any legal requirements on external parties, or create or confer any rights on external parties that could be enforceable in any administrative or civil proceeding. The CFPB Director is instructing CFPB staff as described herein, and the CFPB will then make final decisions on individual matters based on an assessment of the factual record, applicable law, and factors relevant to prosecutorial discretion.

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Product: Credit reporting or other personal consumer reports

PERMISION WAS NEVER GIVEN I am writing to bring to your attention discrepancies in my credit report that I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681.

Upon reviewing my credit report, I have identified instances that appear to be in contravention of the following FCRA sections : 1. 15 U.S.C. 1681, Section 602 : This section emphasizes my right to privacy and ensures that the information reported accurately reflects my credit history.

2. 15 U.S.C. 1681, Section 604a, Section 2 : According to this section, a consumer reporting agency can not furnish an account without my explicit written instructions.

3. 15 U.S.C. 1666b : This section stipulates that a creditor may not treat a payment on a credit card account as late for any purpose.

Given the violations outlined above, I hereby request a thorough investigation into the inaccurate information reported in my credit file. I urge you to take immediate action to correct these discrepancies, as they adversely impact my credit standing and infringe upon my rights under the FCRA.

*** I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** The following accounts are in violation : and have no permission to report. 
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
Product: Debt collection

I. ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERAL PROTECTED CONSUMERS RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681 CONVERGENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATED MY RIGHTS, ACCORDING TO THE FOLLOWING : XXXX. 15 U.S.C 1681 SECTION XXXX ( A ) STATES THAT I HAVE THE RIGHTS TO PRIVACY. 
XXXX. 15 U.S.C 1681XXXX XXXX SECTION XXXX : IT ALSO STATES A CONSUMER REPORT AGENCY CAN XXXX FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 
XXXX. 15 U.S.C. 1681C SECTION ( A ) ( XXXX ) STATES NO CONSUMER REPORT AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TERMS OF INFORMATION ANY OTHER ADVERSE ITEMS OF INFORM OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 
XXXX. 15 U.S.C. 1681-2 ( A ) ( XXXX ) A PERSON SHALLNOT 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 ACCURATE.
Product: Debt collection

First I want to say they did all of the options above. I know where all my debt is and it isnt with this company. They called my job ( a school ) and somehow got my cell phone number which I NEVER gave out. 
They have been calling non-stop for the past 3 days. I called back multiple times and they are rude and nasty. I refused to confirm the " information '' about me they had on file so they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing I have a balance of XXXX dollars on credit card # ending with XXXX, which on my husband credit is showing updated But due to the fact I am a XXXX XXXX refuse to up date my account it is a XXXX  balance on this account as of XX/XX/2022 But is shows XXXX  XXXX XXXX has not been paid
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$750.00} XX/XX/XXXX {$9700.00} I called all 3 credit bureaus told them it was a data breach and identify theft happening no feed back and they were trying to get information from me over a month ago no response from them. 
You are reporting this as a XXXX ACCOUNT which is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit card

Bank was Wells Fargo, the bank distributing and managing the cards for XXXX XXXX XXXX. Opened a XXXX XXXX XXXX promotional card on XX/XX/23. Payments were made twice with " Thank you for your payment '' notations ( XX/XX/23 and XX/XX/23 ). Payments were apparently reversed later without notification. Customer received late notice and notice of late payment fee XX/XX/23. Customer called XXXX number for explanation. None could be given by that associate. Customer went to physical bank location. No explanation could be given by teller and then bank officer other than payment had been reversed. Customer requested transaction detail ( bank drawn on/bank money returned to including last digits of account number ). My intent was to see if one of MY banks had declined the transactions. The bank officer said that information was unavailable. Customer tried looking up information on all possible payment methods ( my checking, CCs, debit, XXXX, XXXX, XXXX, etc.-ever way it was possible that I originally paid ). Transaction detail information was finally found on the Wells Fargo website nested several layers down. There was still no explanation for WHY the original charges were reversed ( there was plenty of money in both accounts ). I called the XXXX number again after making a third payment attempt. This time the associate said that whenever a new payment type is set up, a customer must call the XXXX number and verify OR THE PAYMENT WILL BE REVERSED. 

This information was not disclosed by the Nursery associate who filled out the credit application with me. This information was not disclosed by email at the time that my acceptance email was sent nor when the CC itself was sent. It was not disclosed when I set up my online account and made the first payment. If it was included in the wording of any literature attached, it was buried or worded in such a way as to seem trivial. Additionally, this is not a customary procedure for making online payments ; therefore, it was not anticipated as a part of a procedure. 

I believe that this is a fraud to get at least one late payment fee from new CC customers. 

On a personal level, I am angry about a late payment fee when I paid ( twice ) on time. I am also concerned that the late payment will adversely affect my credit score.
Product: Mortgage

Submission of documentation - additional issues related to complaint number is : # XXXX. I have had this issue before - while undergoing a loan modification, the constant resubmission of documents. I have a realtor, the house is on the market, and BoFA is stalling with questions already answered during the loan modification and are requesting documents that has been submitted XXXX to XXXX since XXXX 2015.
Product: Student loan

I was told that they could not lower my payments, however I was continually advised to request forebearance subsequently accruing unaffordable interest.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX  Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX  Balance : {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, i sent in a letter to Equifax to validate some accounts that came up on my credit report. I received a response back but their investigation was not thorough at all. They did not show me proof of my debt that they are saying i owe. I gave up for awhile because i was not getting any response back from the bureau. I checked y credit report again today and they have added a tremendous amount of accounts and they have no information for these accounts. All of the accounts have no creditor name, no creditor address, no phone number, nothing. Most of them are also duplicated more than twice on my account. They listed some of them under opened accounts and then relisted them under collections as well. 

Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX COLLECTIONS : Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX These information have been hurting me. I am not able to get a house, ive been denied jobs, and other things i am trying to do to get my life in order. This is very unfair because by law they should be reporting detailed an accurate information. They have failed to do so.
Product: Credit reporting

I was asked on Experian and XXXX security questions about a car loan that I possibly obtain in XX/XX/2015 and about the lending Institution and I have not obtained a car loan in XX/XX/2015 or any other kind of loan! I was denied access to my credit reports. I encountered this same issue about three years ago and was never able to come to get my credit reports. However today I was able to access XXXX credit report but I seriously need my other XXXX. I 'm afraid I am a victim of identity theft or something and I need some answers immediately, I 'm scared.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well fargo Card service did not respond or finish my accounts investigation on time as of XXXX XXXX this company received my dispute yet this failed to mail me anything I have requested
Product: Credit card or prepaid card

First Progress Platinum Credit Card XXXX XXXX XXXX XXXX XXXX, TN XXXX I sent a Deposit of Cash for {$300.00} to open Credit Card Account. I closed this Account and they said I owed {$250.00} but they never Returned my Deposit of {$300.00}. First Progress owe me a Refund of {$46.00} with a XXXX Balance Owed Paid In Full. I want an Investigation as to why First Progress never applied my Cash Deposit of {$300.00} to Balance owed of {$250.00}. Waiting for your reply. XXXX XXXX XXXX Credit Card Number : XXXX
Product: Mortgage

OCWEN Reference Number : XXXX Here is sequence of events : 1. Payoff quote from OCWEN faxed to Prominent Escrow dd XX/XX/XXXX, valid to XX/XX/XXXX 2. Prominent Closing Statement for closing date XX/XX/XXXX, funds wired to OCWEN 3. Sub-Escrow Statement from XXXX XXXX, indicates interest paid through XX/XX/XXXX Note that OCWEN received funds on XX/XX/XXXX, so technically OCWEN owes me interest for 1 day. 

On XX/XX/XXXX, OCWEN called me, bypassing the Escrow company and demanded additional payment of {$580.00}. I advised them to speak to Escrow company and they refused. 
In short OCWEN gave a payoff quote, which was paid in full and now request more money. 
Dodd Franks requires mortgage servicers to supply correct payoff and not add any fictuous costs after closing. 
This is CRIMINAL FRAUD! 
To date OCWEN has not been able to explain how there is a difference between their payoff quote and the monies paid by Escrow company - most likely illegal fees! 
They have been harassing me for years on this and now I have negative report on my credit that prevented me from getting a mortgage to purchase a home for my wife and I. 

OCWEN have now assigned the " fictuous '' mortgage to XXXX XXXX XXXX and now they are harassing me. 
XXXX Reference Number : XXXX I wrote to both OCWEN and XXXX numerous times but to no avail. 
Attached is letter I sent them on XX/XX/XXXX, and still no satisfactory explanation - just statement of short payment!!!!! 
Attached also documents from Prominent Escrow and XXXX XXXX. 
How many times do I have to prove that is paid in full!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS XXXX ) XXXX XXXX AMOUNT $ XXXX XXXX XXXX ) XXXX AMOUNT {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX N aacordance with the fair credit rereporting act These have 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 intructions
Product: Student loan

I am being told by Navient on a fixed rate student loan that interest accrues daily and if I pay before my due date that additional interest accrues if I do not pay exactly same date following month. Due date XXXX of each month. Payments on XX/XX/XXXX and then on XX/XX/XXXX caused increase in interest charged because more than 30 days between payments even though payments were made ahead of schedule NOT LATE. Navient never offered/ was told could not use deferment option until after 60 months of forbearances were used up first. Also told could not qualify for teacher loan forgiveness program because of consolidation after cut off date which was not new loan. Original Loan XXXX. Have paid XXXX, XXXX. Told still owe XXXX, XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had disputed balance with Discover Card XX/XX/XXXX to XX/XX/XXXX. Wrote multiple certified letters to resolve the issue. Discover neither answered nor replied to any of the correspondence. Ignored dispute and continued aging the account 30-60-90-12-150-180 days delinquent. Finally resolved the dispute with the Supervisor on phone. Refunded disputed balance, established revised payoff and repayment schedule. Currently paid as agreed 6 months. However, Discover failed to correct delinquency history which remains on their records and subsequently on all credit bureau reporting. I am requesting that history for these months be either revised or suppressed. Potentially negative impact on my creditworthiness and credit score.

My attorney has written ( certified ) to Discover regarding this matter and his letter has similarly been ignored, no reply or response
Product: Credit reporting, credit repair services, or other personal consumer reports

My child is a minor and has a credit report. My personal information has been wrongfully added to his credit file.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) regarding a charge-off that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX and the credit bureaus, the charge-off remains on my credit report, causing significant harm to my creditworthiness.
Product: Debt collection

On XX/XX/22 agency placed a COLLECTION on credit report without any acknowledgement or communication to me. 
THE COMPANY NEVER COMMUNICATED TO ME BY PHONE, EMAIL OR MAIL. Company states on credit report that ( I dispute debt ), I HAVE NEVER HAD COMMUNICATIONS, how can I dispute it?

BE AWARE that this agency uses unlawful and unethical collection methods.

Company is called FCO ( Fair Collections Outsourcing ) COLLECTIONS out of XXXX, MD their practices are everything but FAIR.
Product: Mortgage

Since the CFPB prematurely closed out my previous complaint without reading any of the documents PNC Bank provided, I am submitting this new complaint as a response to the original complaint, XXXX. 

Please see the attached Waiver of Escrow form that shows no acknowledgement of a fee associated with the waiver of escrow nor there a dollar amount given for the not agreed upon waiver of escrow. This is the original document PNC Bank has on file. 

PNC Bank, please note that if you refuse to comply with the original agreed upon terms of my mortgage as shown in the attached document, I will be taking this to XXXX XXXX XXXX XXXX XXXX. There you can pay a lawyer to explain to a overtly consumer friendly judge why you feel you are entitled to charge any fee you wish in accordance with the overly broad language in section 14 of my mortgage contract. Im sure your shareholders will be glad to hear that you expended so much of the companys resources to fight a {$750.00} illegitimate fee you are trying to charge me. 

All the best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that Equifax was reporting a credit inquiry on XX/XX/2021 from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I did not recall ever making a credit application with this financial institution. I contacted this bank and was advised that there were no open accounts under my name and social security number. And was advised to dispute the inquiry with Equifax. I did so and Equifax completed their investigation on XX/XX/2021. They advised me that a credit inquiry was made by XXXX XXXX XXXX  on the date mentioned. However, neither XXXX XXXX XXXX  nor Equifax could provide specific information on how this inquiry was accessed nor on who made it. Their solution ( which is not acceptable to me ), was to simply place a disclaimer on my credit report indicating that I did not a credit application. This is not acceptable to me, because this inquiry will remain on my credit report for two years and no information has been provided to me as to whom made this inquiry and how it was entered into the XXXX XXXX XXXX  system. One would suppose that whomever made this inquiry into my credit report would have had to access the system using some form of protocol.
Product: Credit card

Citibank closed my Citi Prestige card after I paid the annual fee for the membership year. They closed it about 6 months after I paid the fee, and are refusing to refund the portion of the fee covering the remaining 6 months of the membership year. Citibank 's communication with me, which is attached, states they would refund it if I closed the account within 30 days of paying it. It was not my choice to close my account which never had a late or missed payment, so Citibank is participating in unfair and deceptive practices by charging a fee and then closing an account leaving me without access to paid benefits.