23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed the credit card expenditure I made for XXXX XXXX XXXX run by XXXX real estate ( Property Payment Rent on the credit card statement ) in XXXX due to the promise they could not keep about the service I should have gotten. And, the company and I solved the dispute on XX/XX/2021. They refunded me {$300.00} and I had the bank release the payment of {$300.00} to them. We got even. 

I have gotten a call and letter later on from National Credit Systems ( a debt collector agency ) claiming that I have a {$300.00} debt to them. I have told them that I have already paid the debt to the company and I do not owe anything. 

I have also mailed them the letter I got from my bank about the resolution of the dispute and the automatic payment made to the company afterward. 

I kindly request your help to resolve this matter by canceling the debt I allegedly owed to the debt collector agency and have them revise its record. I have also requested the repair it has caused to my credit score. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information 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 remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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.
Product: Mortgage

My home loan originated with XXXX XXXX XXXX in XXXX  of XXXX. I set up an auto draft payment for the XXXX of every month and never missed a payment or had a late payment. In XX/XX/XXXX my mortgage was sold to Citizens One without any communication to me or my husband that this had taken place. Being that our mortgage payment was drafted from a separate account and we hadn't received any communication via mail, email, phone call, etc. we believed our mortgage had been getting paid. It wasn't until XX/XX/XXXX that I was made aware that not only was my house at risk of being foreclosed but my mortgage lender had changed and they hadn't received any payments since the change. I paid any passed due payments right then to get my account current and informed them that I was not made aware of the change of lenders. Their response was basically an implication that it was not their problem. Moving forward I had no issues with paying on time until XX/XX/XXXX I changed the bank account my ACH payment was drafted from. Despite changing the account within the time frame stated by the company and receiving a confirmation email that the account was successfully changed Citizens One still drafted from the old account, which had been closed, and charged me a NSF fee. I spoke with a representative on the phone, whose tone was extremely rude, and she stated that it was my error for changing my banking information through their app, that they pushed on me to utilize, and that I had to wait another 24 hours to update the information via their website. Well 24 hours later I update the information and get another confirmation email that my banking information has changed. On the XX/XX/XXXX I checked my account online to ensure that my ACH payment drafted correctly. My account showed past due and that there was no payment made, so I quickly make the payment as to avoid any late fees. The next morning when I check my account online they have now drafted 2 payments of {$1300.00} back to back, 1 being the ACH that was scheduled for XX/XX/XXXX & 1 being my manual payment. My bank account did not have enough funds to cover two mortgage payments at once so instead of reversing one payment, both payments were reversed but none of the funds that were drafted have been added back into my bank account. I can not get anyone on the phone, and the messaging center representative is apparently not understanding what my issues are. I have no idea what to pay, when to pay, how to pay, and to top it all off they have reported to the credit bureau the late payments from when the lenders changed so my credit score has dropped significantly. I am very concerned that they will continue to be detractors on my credit report, my bank account, and my quality of life if there is no certainty that when I am making payments towards my mortgage the funds are being applied accordingly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate credit inquiries that appear on my credit report. These inquiries were not authorized by me, nor did I provide consent or a signed authorization for these inquiries to be made. 
I first became aware of these unauthorized inquiries on XX/XX/year>, upon reviewing my credit report from [ credit bureau ( s ), e.g., XXXX, Equifax, XXXX ]. Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permitted to appear on their credit report. These inquiries are harming my credit score and potentially exposing me to further fraudulent activity. 
The reason I am escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) is because I have exhausted efforts to resolve this matter directly with the credit bureaus and/or creditors involved. Despite my attempts to dispute these inquiries through the proper channels, the issue remains unresolved, and the unauthorized inquiries continue to negatively impact my credit report and overall financial health. I am seeking the CFPBs assistance to ensure my rights as a consumer are upheld, and the unauthorized inquiries are properly investigated and removed.
Product: Credit reporting or other personal consumer reports

The webpage pulls name incorrectly from social security number and prints score of an XXXX name to surname when the format of my name is XXXX XXXX to surname with perfect credit. I am unable to use account due from error.
Product: Money transfer, virtual currency, or money service

Even though we submitted signed documentary proof that a former XXXX XXXX  client XXXX XXXX lied to PayPal and their bank that their credit card was " duplicate charged, '' thus initiating a fraudulent credit card charge back, as opposed to the truth which was that she was first refunded because XXXX would not release our money for many weeks thus delaying her emergency XXXX XXXX  required, before making a second charge on her own, PayPal is still refusing to release our {$5000.00} money, which is negatively affecting our ability to pay our employees, our office rent, insurance, and other day to day operations of our XXXX XXXX. 

Please urgently investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX US DEPARTMENT OF EDU XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$580.00}.
Product: Credit reporting or other personal consumer reports

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXX XXXX  {$200.00} XX/XX/XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Mortgage

I have multiple complaints. 

XXXX - the automated phone system they use is impossible to get through XXXX XXXX XXXX on average trying to click the right numbers to talk to someone : Either the right options are not present, they put you in a self serve mode or you hit a dead end. Ther is no easy way to talk to someone. You have to try many routes to find a place where you can finally get connected. It's cumbersome clearly on purpose to have people not talk to real people, but it's impossible to use. WhichI have used many times this month to cleare up issues. 

XXXX. Sending letters is error that need me to take action on, then after XXXX mins of trying to online chat ( to avoid the phone tree ) and not resolving my issues and saying I need to call a different number, then having to use thier phone tree again - where they then look up my account and tell me the letter was in error. 

XXXX. Escow and taxes issues - Many times they have not paid my taxes on time where i recived letters of fines/penalties from the state/county - which I then have to go do work to figure out what is happenign with my account - and then how do I do that- you guessed it, I haver to call in and try and navigate the phone tree again. 

In addition, constantly evolving monthly mortgage from {$1100.00} to {$1600.00} and in between the mortgage amount jumps/changes yearly because they either did not take out enough taxes or then took out to much. A {$500.00} jump isn't easy to swing unexpectedly.
Product: Vehicle loan or lease

I need to set up auto pay, no one can help me over the phone. There is no link to set up a simple autopay online, just a link to download a pdf to fill out and to mail in. The form does not even have a fax #. I am not going to the post office just to send a piece of paper to the bank to pay. They should have a link to set up online.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my Experian credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

I receive multiple calls from Navient on a daily basis in regards to my student loans. I was told by a lawyer that I can request that they not call or contact me by phone. I made this request to Navient but continued to receive numerous calls each day, when I asked why I was still receiving calls I was told that I did not make my request in writing. In response I sent Navient a cease and desist letter informing them that I do not want to receive any calls. To this day I am still receiving call from Navient on an hourly basis.
Product: Vehicle loan or lease

On XXXX XXXX XXXX I spoke with Flagship Credit about not being able to make my payment in full until XX/XX/. At the time I had requested that they call my cellphone phone instead of my work number. The man on the phone assured me they would no longer call my work phone and that has been true thus far. He attempted to pressure me into making my payment over the phone while I was at work even when I told him I only had about {$50.00} in my account. I assured him that the payment would be scheduled online and it would be pain on XXXX XXXX XXXX He said he would take me off of the call list until that date. They called my husband one time on XXXX XXXX XXXX  and called me 3 times on the same day. They have also called me 3 times on XXXX XXXX XXXX The amount of phone calls is becoming ridiculous and I was only XXXX week late when they called. They are calling me like I am months behind on a payment. I've given them the when and they can't even given me the courtesy of seeing if I do it. I'm not perpetually late. I would not recommend anyone to use this company based on the last few days of being harassed with phone calls. Some have even come as late as XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against Wells Fargo for Potential Data Breach, Mismanagement of Personal Information, and Request for Monetary Damages Introduction : I am filing a complaint against Wells Fargo due to receiving communication linked to an old account under the name XXXX XXXX, my birth name, which I legally changed in XXXX and have not used since. This situation, which I believe to be a result of a data breach or severe mismanagement of personal information, is not only alarming but poses a risk to my financial security and privacy. In light of this, and my immediate need to address potential repercussions, I am seeking monetary damages to hire a private investigator and obtain necessary insurances. 

Narrative of Events : Upon receiving the letter from Wells Fargo regarding an account associated with a name I no longer use, I was deeply concerned about the integrity of my personal data and the security of my financial information. This incident is particularly troubling as I am in the midst of planning significant financial activities, including a capital raise and real estate transactions, necessitating a clear and secure financial standing. 

Violations and Requested Resolution : Gramm-Leach-Bliley Act ( GLBA ) : The potential exposure of my personal data suggests a breach of GLBA, which mandates financial institutions to protect the confidentiality and security of consumer information. 

Fair Credit Reporting Act ( FCRA ) : Should this issue affect my credit report, it would violate the FCRA 's requirements for accurate and fair credit reporting. 

Given these concerns, I request the CFPB to : Initiate a thorough investigation into the handling and protection of my personal and financial data by Wells Fargo, specifically identifying how my former name came to be associated with recent communications. 
Mandate Wells Fargo to provide monetary damages sufficient to hire a private investigator to assess the extent of the data breach or mismanagement and to secure necessary insurances that would protect my financial interests moving forward. 
Ensure Wells Fargo takes immediate steps to secure my data against further unauthorized access or breaches and to correct any inaccuracies in their records or on my credit report stemming from this issue. 
Conclusion : The receipt of this letter under a former name and the potential it signifies for a data breach or significant mismanagement has caused me considerable distress and concern for my financial future. It is imperative that this matter is resolved promptly and thoroughly, with Wells Fargo held accountable for any lapses in data security or management. I trust the CFPB will act swiftly to address this complaint and facilitate the necessary financial restitution for me to mitigate the potential impacts of this situation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was so stress Last XXXX I've sent disputes for the deletion of those unknown and inaccurate account on my credit report. It's almost 30 days now but I haven't received any response. I Demand to REMOVE ASAP those inaccurate and unknown accounts. or I will file a litigation.
Product: Credit card or prepaid card

My account was open XX/XX/XXXX with a credit limit of {$500.00}. I entered a Covid relief program in XX/XX/XXXX due to financial hardship. The program ended in XX/XX/XXXX. Shortly after XX/XX/XXXX my account was closed after I paid off my card. They state the reason being due to my Financial hardship can't afford the card. The program never said that after payment my card would be closed. If I knew that was a possibility I would never had entered the program. My bill was around {$300.00}. I was never informed of the closing of the account also. I spoke to someone trying to get it reopened, they said I would have to re apply for the credit card. This caused my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc XXXX XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 Bank 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 Bank 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 Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance 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 Finance 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 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 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seveXXXX years. 

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information i
Product: Student loan

I have several thousand dollars worth of student loans that I have been trying to pay for over six years now. Monthly, it can be hard to make my almost {$200.00} loan payment on top of my other expenses. Even though I am a hard-working woman that help support my family, I still find it hard to financially meet our needs especially with high payments like my student loans. When I tried to apply for an income-based payment plan, I was put on forbearance for four months, which I greatly appreciate it because I was not able to make my payment in this timeframe, But I was not told that this would negatively impact my credit score and that I would continue to collect interest on those loans. When my application finally went through, instead of my payments being lowered they increased over {$100.00}. Making my monthly payment almost {$400.00} a month. I called the customer service line to discuss my options and I was told that because I made too much money I did not qualify for a repayment plan, the only thing that this organization would do for me is to put me on forbearance. I am currently still on forbearance until I can file my XX/XX/2016 taxes showing that my husband and I are filing married but separate in order to be able to get My payments lower. This system makes sure that people that try to better themselves by getting an education are stuck with crippling debt for years to come, with no way of getting ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Home loan has continued to report our home equity loan as derogatory or delinquent depsite giving us a XXXX Forebearance plan. We have continued to pay the mortgage albeit after the grace period. For the past year we have at least 6 negative reports from XXXX XXXX which we were informed should not have been if we were placed on forebearance. This has in turn affected our credit score in a negative fashion. We are consequently being penalized for being affected negatively by COVID due to the loss of my husband 's job. Despite the fact that unemployment is less than what he would have earned if he was working in the XXXX XXXX we continued to keep the payments up to date and we were still reported by Discover as a dilinguent account. I complained to them when making a manual payment to them via check, but received no response.