23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I had a collection account appear on my credit file from Knight Collection Bureau with the original creditor being XXXX XXXX. I have never heard of either of these companies & was extremely shocked when I saw this appear. I DID NOT receive any type of letter letting me know about this debt & the collection company reported to the credit bureaus without notifying me first. By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collector 's initial attempt to contact you- this was not done & the collection agency needs to be held accountable for this failure to comply, along with the many other regulations both companies have failed to comply with. 

As soon as I saw the collection account, I contacted XXXX XXXX Knight Adjustment Bureau by sending them a debt validation letter, I also let them know I had no knowledge of this debt & it didn't belong to me. Once I received information back from XXXX, I learned what the debt was for & reviewed the contract they sent me, which was a digital contract with a digital signature. ( Please note : none of the contact information on the contract matches my information, from the address, to the phone number, to the bank account used for the original payment- none of it belongs to me. ) This account was created fraudulently, without my authorization or knowledge. I did not receive any goods or service, I had no benefit of any type from any merchandise they provided a line of credit for, nor did I even know about this debt until over 1 year after the fact when it reported negatively to my credit. 

I submitted a credit fraud form with the company & they refused to investigate it because I wouldn't provide them with PII via email due to already existing concerns with my personal information being compromised. 

Knight adjustment bureau removed the collection account then added it back KNOWING that I had submitted a fraud dispute with the company. I froze my credit file, I submitted a fraud alert, I submitted disputes with the credit bureaus, alerting them to the fraudulent activity. I filed an identity theft report with The Federal Trade Commission, then submitted that information to them. I have devoted many days & many hours trying to resolve this, it has been going on since XXXX with absolutely no resolution. Both companies are failing to comply with the laws & regulations they're bound by.
Product: Consumer Loan

I have a vehicle loan with Westlake Financial Services which is Rate Loan of 27.60 % and a found at the Florida Office XXXX XXXX XXXX web pages that the higher interest in Florida is 18 %.
Product: Credit reporting

I was turned from a mortgage company because of a number of " delinquencies '' on my credit reports. Since I do not have delinquencies and my credit score was higher a month ago, I tried to get my reports online. I could not obtain them, and when I went onto Equifax 's site, the page would not allow me to submit my complaint. 
I really need to find out what 's going on with my credit scores so that I can dispute the errors.
Product: Credit reporting or other personal consumer reports

I have repeatedly told these companies, the account have fraudulent activity and Im a victim of identity theft and accounts and charges arent mine 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

To whom it may concern, I applied for a VA refinance through my current mortgage lender " Freedom Mortgage '' XX/XX/2022 ; The lender point of contact was XXXX. I paid for an appraisal as requested but an appraisal was never performed nor was it refunded back to me when they closed the loan process. I tried many times to retrieve my refund through their customer service. they gave me the run around and said a refund would be issued but the last contact I had with them they said it could not be processed. Services were never rendered to include loan never completed.
Product: Credit card or prepaid card

Status : Answered XX/XX/XXXX THE SALEMAN SOLD ME A CAR I DIDN'T WANT I CAME TO BUY A XXXX XXXX ON A GUARNTEE OF 3 DAY CANCELATION IF I WAS'NT HAPPY AND IS WHY I AGREED TO BUY AND IT WAS XXXX BELOW ******** A XXXX   XXXX I CAME TO PUT XXXX DOWN THEY TALK ME INTO XXXX ... UPON SIGINING ***** IS DOING THE CONTRACT ..THAT IS STACKED WITH A DISCLOSER TO DECLINE THE 3 DAY CANCELATION WITH OUT SAYING ANYTHING ABOUT THIS IS TO DECLINE THE 3 DAY CANCELATION THEY GUARNTEE AND WAS THE REASON I PURCHAED THE CAR AND THE SELLING POINT FROM SALESMAN THIS WOMAN IS TRAINED BY MANAGMENT TO DO THIS AS SHE TELLS HER LIFE STORY AND SAYS INITIAL AND SIGN PAPERS AND COMMITS FRAUD FOR THE OWNER WHEN SIGINING I HAVE TO TRANSFER XXXX TO MY CHECKING FROM SAVINGS I FIND THIS OUT AFTER CHECKING MY BANK ACCOUNT TO FIND OUT THAT SHE TOOK XXXX AND MY OVERDRAFT COVERED IT ... I DROVE THE CAR BACK TO RETURN AND THEY WERE VERY RUDE AND UNPROFESSIONAL WENT RIGHT TO THE PAGE I HAD NO KNOWLEDGE OF SIGINNING AND TOLD ME GET OUT WELLS FARGO PROVISIONED THE XXXX TO MY ACCOUNT AFTER I RETURNED THE CAR AND BOUGHT A XXXX THE NEXT DAY AND EVERYTHING WAS CORRECT THEN I SEE XXXX MISSING ON XX/XX/XXXX I WENT INTO BANK BRANCH TALKED TO MANAGER AND HE SAID THAT THE DEALERSHIP WOULDNT GIVE THEM THE XXXXSO THEY TOOK THE XXXX BACK PLEASE HELP ... 
THANK YOU, XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX Response XX/XX/XXXX *** ****** purchased a pre-owned vehicle from us. He signed a contract and all other legal documents. He purchased the car and drove it home. At some point he had buyers remorse and decided he did not want the car anymore. 

*** ****** did not purchase the recision agreement. In fact he declined it on the contract. You cant just return a car because you dont want it anymore after taking home. We are sorry ** ****** is upset and would be more then willing to help him trade it in for something else he wants.
Product: Credit reporting, credit repair services, or other personal consumer reports

SELF Financial issued me a secured credit card after I successfully completed phase I which was making payments on time for 12 months and then SELF used the money I submitted as payments for the security of the credit card. After two months of using the card on occasion and then paying it off each month, SELF doesn't apply that payment towards the credit card balance until weeks, and at times, months later and it's not calculating correctly. Someone needs to please help me by looking into their fraudulent ways.
Product: Student loan

On XX/XX/XXXX, XXXX of my student loans was forgiven in the amount of {$6600.00} out of the {$30000.00} due to my VA XXXX statues. AES as company reported this action as a write -off to my credit reports dropping my credit score in XX/XX/XXXX. I called them and customer service stone walled me from talking to anyone redirecting to fill out a credit report review form. I completed the form. Two months later, my credit is still reporting the same way, I am expecting a 1099 for the write off debt now and the company has not said anything to me.

My student loan payments were on time. I was paying my loans even for the year after I became disable because I did not think these loans were forgivable. When the Department of Education forgave my student loans they just wiped out the credit history of the loan. I do not understand this line of practice where I am being punished for being a XXXX veteran.
Product: Money transfer, virtual currency, or money service

My cell phone failed in early XXXX and when I was setting up my new phone, I inadvertently set up a NEW PayPal account that is " Limited ''. Two of my customers sent payments totalling {$830.00} to that new limited account but I can not access these funds.

I have used PayPal Assistant and have made numerous calls to PayPal and used their automated login assistance to attempt to resolve this issue. ( My other account is functioning properly and I just want those {$830.00} transferred to my normal, active account ). When I call, Paypal 's automated system just says " we can not support your inquiry at this time '' and hangs up on me. I am unable to resolve this using their auto-system and can not reach an actual person on their phone line. 

When I call PayPal 's customer service number XXXX, the automated system recognizes two accounts with my cell phone number XXXX. The auto-system gives me an option under the ID / e-mail of " mail.w '' ( which of course isn't a real e-mail ). I have tried every automated system to get logged in, but I can't and there is no way to reach an actual person to assist.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted 15 fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
FOR XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX has allowed inaccurate information to be reported on my credit report that isnt congruent to Experian or XXXX reports. Which causes for instant removal due to inaccurate information damaging my credit report. Violations stand as stated 15USC1666b 18USC870-872 FCRA violations of inaccurate reporting as well as FDCPA collection laws being violated by said entity
Product: Credit card

Wells Fargo sent me a 0 % balance transfer promotion in the mail, and I accepted it. The 0 % period ends on XXXX XXXX, 2025. I transferred {$7500.00} for a {$370.00} fee. When I got my most recent bill, it was not clear to me how much I needed to pay to avoid any interest, since I had used the card to make some purchases. A representative told me that unless I pay the entirety of the balance, I should expect to face interest charges. It was a circular conversation in which I kept asking how a 0 % balance transfer could face interest charges, and he kept telling me that it didn't -- that the {$7500.00} faces no interest on its own -- but that because I had used the card for purchases, the entirety of the card balance was subject to an interest rate. It makes absolutely no sense. I have now ( or in the past ) had similar arrangements with XXXX, XXXX XXXX, XXXX and XXXX XXXX, and none of them charge you interest on balances that are transferred, because that is separate from the purchases. It is misleading to advertise a 0 % rate to a customer for a set period of time and then charge them interest on it because the customer makes purchases. It doesn't even make any sense for the bank. Do they want me to not use the card at all? I plan to close this account as soon as possible, perhaps with another balance transfer arrangement from a credit-card provider that doesn't mislead and rip off customers. Especially after all the travails Wells Fargo has been through, I don't understand why they would behave this way. The representative on the phone seemed to understand my concerns and be familiar with customers complaining about them. Banks shouldn't be allowed to promote something for 0 %, then charge fees on it. Furthermore, my statement is totally confusing and misleading. On page XXXX ( attached ) it says that the {$7500.00} faces 0 % interest until XXXX XXXX, 2025, and says nothing about a separate interest rate I'll get charged for my " average daily balance '' as the phone representative indicated. Reading the statement, you would think that paying the entirety of the purchases would take care of what's subject to interest, but he said that isn't true.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account never had any late payments. PNC Bank close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. 

Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. 


Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 




- I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Product: Checking or savings account

On XX/XX/2020, Bank of America had transferred {$48.00} without my knowledge to my business account XXXX that is currently overdrawn and refused to transfer the money back into my checking account ending in XXXX. This is an unethical practice and I called them ASAP and they refused to put it back in my account.
Product: Credit card or prepaid card

I got unemployment benefits from US Bank Reliacard and I can not access my money. I verified my identity at verify.usbank.com and still can not access my funds Reliacard Account ID # XXXX phone number for customer service ALWAYS give the same infuriating message about high call volume no matter what time of day and Hangs Up In Your Face. XXXX is a joke!!!!! I lost the QR code for activation and have no way of contacting them because they disconnect the line. I am starving and I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One refuses to delete 2 late payments which I dont understand how it is late when it was an automatic payment..This is on My credit as well as my Fiamce which has caused higher interest rates. Also XXXX has a late pay listed and it was on auto pay as well. These are the only deragotory items we have out of 25 to 30 accounts in very good standing. I have tried to dispute this but they refuse to delete even on Good faith and Goodwill letter. I am disputing because it should have been deducted and I have never missed a payment the payment was taken but instead of deducting XXXX they only deducted XXXX because it was set up for fixed amt and 1 month it was more than fixed amt and they c hgv argued a late fee but also waived the fee. I would like this deleted because We have Good Credit and this is erroneous misleading information.
Product: Debt collection

On XX/XX/2023 received 3 calls from a No Caller ID and a voicemail about debt that I do not owe. 
Today, on XX/XX/2023 I checked my credit score and noticed it dropped XXXX points. I checked to see what caused this on XXXX. I saw that I had two debt collections from XXXX XXXX XXXX. XXXX for {$1000.00} opened on XX/XX/2023 and XXXX for {$1400.00} on XX/XX/2023. The original creditor is XXXX XXXX XXXX and the address tied to the debt is in XXXX. I am a XXXX XXXX XXXX living in New York with my parents and I have no friends nor family living in XXXX. This debt is not mine because I have no utilities bill and I don't live there.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding the recent dispute I filed with TransUnion concerning Account Number # : XXXX. As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a reasonable investigation and provide me with the supporting documentation used to verify the account. However, your response merely stated that the account was " verified '' without providing any evidence or details of the verification process. 

This failure to provide the required documentation or explain the procedure used is a violation of 15 U.S. Code 1681i ( a ) ( 6 ) and the FCRAs requirements for credit report investigations.

If this matter is not resolved promptly, I will have no choice but to pursue federal legal action in federal court for the violations of the FCRA, including seeking statutory damages, actual damages, and any other relief available. 

I am requesting the following : Immediate removal of the inaccurate information from my credit report.

Proper documentation of the verification process used for this account, including any supporting documents from the data furnisher. 
{>= $1,000,000} in compensation for the emotional distress, financial damages, and FCRA violations caused by this failure to comply with the law. 
If we can not reach a satisfactory resolution, I will proceed with filing a lawsuit in federal court to enforce my rights under the FCRA and seek full compensation for the harm caused by your actions. 

Please respond to this letter within 15 days to avoid further legal action.
Product: Mortgage

I had applied for a modification with XXXX on my XXXX lien last year. I went to a XXXX non profit agency for help. I misunderstood the counselor helping me and I did not pay payments while I was waiting to hear on the modification. a whole year went by and I kept submitting the requested docs to XXXX for the mod then in XXXX of this year I received a notice of servicing transfer stating my loan had been transferred to United Guaranty. By this time my new counselor with the XXXX office helped me call the new servicer to explain I was waiting to hear on my modification. we spoke to XXXX XXXX with United Guaranty she explained to me that my account is XXXX payments passed due and my balance is {$4000.00}. My payment with XXXX is {$120.00} if you do the math, XXXX payments x $ XXXX XXXX plus late fees. when the housing counselor and I called XXXX to discuss options to bring my account current since XXXX said I would not qualify for a modification. she said I had to pay {$4000.00} and my payments would not go back to the {$120.00}. I do n't understand why if all my information and terms of the loan was transferred this to me means that the current balance, rate and payment would remain the same. we told XXXX on the letter it also states that " nothing else about your loan will change '' I do n't understand why I can pay the 15 months of missed payments and go back to my {$120.00} payment, instead United wants to increase my payments which I can not afford. please help me to work with the new servicer, I just want to pay the pass due and go back to my regular monthly payment of {$120.00} which I had before it was transferred.
Product: Mortgage

This has to be a follow up from the complaint that was closed.This is response is unacceptable. This is still not resolved. ( XXXX ) The named individual in the response is unreachable and has left no specific extension on which to contact her in the letter. I WANT AN EXTENSION TO SPECIFICALLY SPEAK TO XXXX. THE GENERAL NUMBER DOES NOT ALLOW ANY OF THE REPRESENTATIVES TO CONNECT YOU WILL HER. 

I would like this in the record please and I have no problem telling what has been done to me. I fell behind on my mortgage because I was sick in 2019 ( XXXX ) and after recovering, I was hit with XXXX  in late XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not working until the start of this month. 

The investors responsible for my home have formulated a repayment agreement set up for failure asking for more than what I can afford for over nine months. The way this is written they will easily be able to take my home. 

This organization does nothing to help the consumer. They should be ashamed of themselves including the investors. 

I would like an opportunity to catch up my loan on a Forbearance. In this way I will be able to catch up by XXXX. 

I want someone who can help me to this. As stated I want to talk to XXXX not be brushed off with a letter with no extension. 

There are two different agreements I am attaching : The repayment is not going to cut it. If I am just going back to work, how can I afford to this like this? They will take my home for sure. The initial agreement allows me to pay what I can up until XXXX. This is more doable. The second agreement increases my mortgage payment over nine months.