23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Yes the problem is that we have been harassed by this company Action credit XXXX XXXX XXXX XXXX XXXX XXXX ... I was paying the loan payment on time all the time.. Until I was diagnosed XXXX XXXX ... I started getting XXXX .. I'm XXXX and I'm not denying to pay ... My partner went to the store not only that manger laughs about my sickness.. She said we are ungrateful that she gave us the loan.. She said we didn't have good credit. But Reason she's gaves loan was for her to meet accounts goal.. Other XXXX customers complained that she pushes them to renew accounts ... And that I'm lying about my sickness that hurt me so much that they I wish I wasn't .. The manager told my partner she was hiding her from her my partner showed her the pictures where I had XXXX XXXXXXXX XXXX times.. an XXXX XXXXXXXX from doctor ... The manager discriminates on XXXX people.. that's why my partner goes and makes the payment other store ... We have been getting calls from the corporate office harassing us..
Product: Credit reporting, credit repair services, or other personal consumer reports

Below I have listed the fraudulent accounts I want deleted from my credit report : US DEPT OF EDUCATION XX/XX/XXXX was in bankruptcy XXXX  XXXX. The balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my account six times. 

DEPARTMENT OF ED/XXXX XXXX XXXX balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my credit report XXXX times with fraudulent information. 

XXXX XX/XX/XXXX account does not belong to me. Duplicate account. I have a XXXX account in good standing. This one is not mine. Inaccurate information. 

As a national reporting agency, you are governed by the Fair Credit Reporting Act ( FCRA ) which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. All three Credit Bureaus have closed student loan accounts posted to my credit report.
Product: Checking or savings account

I made a claim with capital one for an item not received after requesting a refund from the merchant. Capital one metered my claim in as merchandise not received. However it should be a claim for a refund not being provided. I was promised a {$500.00} provisional credit within 6 business days. Now Capital one is telling me they wont update the claim or accept my documents after submitting them. 

Im adding the requested information for my claim to be updated as the merchant refused to give a refund by not responding after not receiving the education course by mail or online. 

Here is the document proof for contact of the merchant Claim number. 

XXXX My name XXXX XXXX Please see attachments Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to XXXX, Experian & XXXX   asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.
Product: Credit card or prepaid card

I am writing to formally lodge a complaint against Apple Card and its banking partner, Goldman Sachs, due to the inexplicable and repeated restrictions placed on my Apple Credit Card and Apple Savings Account. The restrictions have not only caused me undue stress and inconvenience but have also resulted in the unwarranted withholding of my own funds. 

Starting from XX/XX/2023, my Apple Credit Card has been restricted three times, with each instance leaving me in an extremely difficult position. Subsequently, my Apple Savings Account was also restricted. Upon contacting the company, I was informed that my accounts were under review, a process they claimed would take a maximum of ten business days. 

However, today marks the end of the third week since the initial restrictions were placed, and no resolutions have been offered or intimated to me. I have made numerous attempts to rectify this situation through Apple Card 's customer service and the corresponding department, yet these attempts have proven to be futile. My requests for a legitimate reason for the restrictions imposed have been consistently ignored or inadequately answered. 

Despite my diligent efforts in escalating my case four times in conjunction with both Apple Card and Goldman Sachs ' team, the responses I received were generic and non-committal. This lack of concrete communication and action from their side has put me in an undesirable position where my own funds are effectively inaccessible to me. 

Thank you in advance for your prompt attention to this matter. I trust that you will act decisively to uphold my rights as a consumer and help me regain control of my financial resources.
Product: Credit reporting or other personal consumer reports

*Disclaimer* I do not acknowledge ownership of this debt! I have been trying to get this removed for over 10 years with no success as this account was opened by someone else in my name. Due to the banks refusal, I was left with no other option but to let the debt age off of my credit report. The account in question is XXXX  XXXX  Account number XXXX which reported a balance of {$3200.00} and is reported as a charge-off. 
This company is continually RE-AGING this account and adding payments that do not occur. The last payment indicated is showing as taking place in XXXX of XXXX. This is absolutely impossible as I have no access or ability to make payments to this account. ( not mine ) I would like to request this account be deleted IMMEDIATELY as it has passed the 7 year mark from delinquency. Whomever was keeping this account active has not done so since XXXX so this account qualifies to be removed from my report. It is unfair for me to be penalized for over 10 years for something that was done nefariously. I have been patient in waiting for this account to age off and the practice of re-aging debt is illegal and immoral.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged XXXX, XXXX, and Experian. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX. The ones that has the same dates are different charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : INCORRECT NAME : XXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX, CA Date Updated : XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiry XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

I dont remember the exact date but it was in month of May I do remember a friend of the family was suppose to send me funds durning this time At the same time something else happen which Im really not sure of or how it happen because no one had my personal information that I gave out Ive been using navy federal for year im fully aware if someone wants to send me funds they can do so through my access number When its XXXX to XXXX XXXX XXXX XXXX asked me was someone trying to send me money I told them yes they asked for the name I gave the first name I didnt know his last name then they went on a rant as if I said something wrong and how they were permanently stopping me from being able to open any accounts with them I want to get to the bottom of this nonsense asap I need my account and Im not paying anymore I never had or know where it came from
Product: Debt collection

Please cease and desist all calls and contact with me, immediately. 

Harassment phone calls 7 days a week. I want all calls to STOP. I have uploaded pictures of the call history. Repeated phone calls every day for almost 3 months now. 


The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to stop all communication after you notify them in writing that you no longer want to be contacted.
Product: Debt collection

I am writing this due to non compliance and falsifying documents with debt collection agency : Convergent Outsourcing inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX They have failed to provide me with sufficient information to prove I owe a debt of {$1700.00}. On XX/XX/2020 they mailed me a debt validation letter after i filed a dispute online. I also most importantly want to point out they are illegally using the symbol of pre sorted first class mail on the document they mailed to me to validate this debt. I have worked at the Post office for 10+ years and I know for a fact that pre sorted " PAID '' FIRST CLASS STAMPS '' are not supposed to be used on the bottom of billing statements. They are only supposed to be used on the outside of envelopes when mailing something through the Postal Service. I also stated this to them in a debt validation letter i sent them on XX/XX/2020. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I will also be reporting the company to the Postal Inspectors and Postmaster General.
Product: Debt collection

Receiving scam emails from someone claiming to be Freedom Debt Relief. I called the real company and told them about the emails I had received and they even said it was a scam. This email claims I owe money and if I do not pay they are taking me to court or I could be arrested by law enforcement or they will take my wages.The phone number on the email to call is XXXX. I replied back to the email asking for proof of debt and of course they couldn't provide anything. Email is coming from XXXX -- -- -- SCAM SCAM SCAM SCAM SCAM.
Product: Checking or savings account

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

Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from XXXX XXXX XXXX XXXX XXXX taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with XXXX & XXXX they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX responded to Federal CFPB that XXXX  XXXX XXXX # XXXX derogatory remarks of XXXX was deleted from my credit report and XXXX  and XXXX XXXX XXXX XXXX falsify to Federal Government that XXXX, XXXX that I had late payments. 
According to my XXXX XXXX checking account ending # XXXX evidence it shows that all my timely payments was called to XXXX Rep before due date of each month on the XXXX. 
This is a Retaliation and Discrimination of XXXX, Experian, XXXX  and XXXX XXXX XXXX administration for preventing me from obtaining a VA Loan and destroying my credit and scores. 
A Federal Discrimination and Retaliation was filed against XXXX, XXXX, XXXX and Experian with ADA Disability Civil Rights Act under the Department of Justice file case # XXXX.

I am respectfully requesting a Federal Investigations against  XXXX, Experian, XXXX  and XXXX  immediately. 
I am going to give my Privacy Release Consent to US Senator XXXX XXXX on my Federal Complaints and issues of Discrimination and Retaliation of my National Origin as XXXX XXXX American.. 
I am respectfully XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
This is a Urgent Matters!
Product: Checking or savings account

Last summer ( early XX/XX/2023 ), in exchange for my freedom I helped create accounts and provided my personal information ( SSN, state ID, and even passwords ) to XXXX XXXX  and scammers. I got involved with XXXX XXXX around XX/XX/2023 to XX/XX/2023 then on XX/XX/2023 or XX/XX/2023 they met up with a man who told us he could wire money from an account he had using my information. I don't know what possessed me, but I helped him make accounts under XXXX XXXX, XXXX XXXX XXXX, Capital One, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I was too scared to reclaim my stolen identity and until now finally feel able to take back what is rightfully mine. I am unsure of what transactions were brought under the many accounts I was forced into creating, many of which were made after I could leave that awful situation. I was threatened not to warn the police. I do remember that I only had a XXXX XXXX XXXX account before all that occurred and that it was frozen indefinitely because the scammer made me deposit fraudulent checks of varying amounts via the mobile app.
Product: Debt collection

i already filed two complaints against stuart-lippman and associates one complaint is still pending as stuart-lippman and associates viloated the fair debt collection practice act this is a new complaint against stuart-lippman and associates i was involvled in a auto accident on XX/XX/XXXX i was in contact with XXXX XXXX i told XXXX XXXX that im disputing the car accident and the amount of XXXX because i was not at fault in the car accident XXXX XXXX said she was go submit document to have my license suspended as she did on XX/XX/XXXX she and this company stuart-lippman and associates violated the fair debt collection practice act by submitting documents to the dmv to have my license suspended as i sent stuart-lippman and associates documents stating that they can not submit documents to the dmv to have someone license as a person said that they could do that i request documents that say that the new complaint now is that stuart-lippman and assocates sent documents to the dmv to have my sister license suspended and my sister was not even invovled in the auto accident period my sister received documents from the dmv of suspension of her license dated XX/XX/XXXX and demand a security deposit of XXXX her suspension starts on XX/XX/XXXX the problem here is stuart-lippman and associates should have nver submitted documents to the dmv telling them to suspend someone license when myu sister was not even involved in the accident nor driving the car period now the dmv want my sister to make a security deposit of XXXX when she was not even involved in the accident at all now they want my sister to pay up money for a accident she was not even involved in the dvm suspended her license for a accident she was not involved in and again stuart-lippman and associate violated the fair debt collection practice act by subitting documnet to have someone licsence suspended when stuart-lippman have no power or authority to do so as my sister was not even apart or invovled off the accident on XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

To Whom it May concern, XX/XX/2016 I applied for a Mortgage Loan with Regions Bank. I was pre-approved and permitted to house hunt. I was pre-approved after submitting all the usual documentations : bank statements, tax returns, pay stubs and so forth. A month later I found a property and submitted further documentations since it was a condo. I then received a commitment letter from my Bank. I was then set to close XX/XX/2016. 

On XX/XX/2016, thinking I will be closing, my bank finally contacts me stating they need bank statements since they never received them. This makes me question the following : How did I get pre-approved without that, is n't that bad Financial practice? Did they lose my documentations which has severe personal information, is n't this also bad financial practice? With this said I then had to drive 1.5 hours to XXXX XXXX, XXXX to hand deliver this bank statement instead of email or fax because I no longer have trust in Regions bank and its team. 

My closing date was then pushed back to XX/XX/XXXX. Due to other issues of documentations it was then pushed back again to XX/XX/XXXX. Now, the bank wants further documentation and letter of explanation which was never expressed before my initial closing date. I am two weeks behind closing and losing significant money due to this delay. 

This process, with this Regions team, is incredibly unprofessional and all aspects. Workers involved in my loan are uninformed and do not know when to admit they are at fault or even how to communicate thoroughly with their client ; me. On top of that I now fear my personal information is being exposed and that Regions Banks practices bad financial services that is detrimental to its potential clients like myself. 

Throughout this process I have had the most horrific experience working with XXXX XXXX whom is the Senior Mortgage Loan Officer who has '30 years of mortgage experience '. Completely unprofessional, never informed of the status of my loan application, and has delayed the process by losing or falsely claiming to receive documentations. All while approving and continuing the loan application. This entire process, delays, lost files, starting the loan process after closing date, approving loans without documentations is horrible and the worst financial practice at its best. I have emails stating when documentations were submitted, and when they were received since I was given approvals and commitments. Yet, I am still being asked for documentations that were previously submitted months ago.
Product: Debt collection

XXXX called XX/XX/19 and left automatic voicemail. XXXX called XX/XX/19 at XXXX pm and left another voicemail. XX/XX/19 left another voicemail. XX/XX/XXXX, at XXXX pm left another voicemail. This is chase bank.
Product: Mortgage

Hello, I have a conventional mortgage with Chase. Due to divorce, we are selling the home and it is a short-sale. We have a buyer who has been approved for VA loan, but Chase is demanding that line XXXX on the XXXX is deleted. This line reflects the cost of the homeowner 's insurance for the buyer, and is required by the new lender. It is in column that reflects it will be paid by buyer. The new homeowner 's insurance has nothing to do with Chase as they are the seller. 

It does not make any sense why they want this line, that does not affect them, deleted. This is a requirement for the new lender. The attorneys involved and realtors do not understand why Chase is requiring this and have spoken to Chase with no resolution or satisfaction. 

They refuse to close without the line deleted. Closing has been delayed 3 times. This buyer is ready to walk away, and it will be the XXXX buyer to walk due to Chase 's inability to perform and close a transaction. I have already moved out of the home because we thought we were going to close XXXX weeks ago. 

They have no right to demand that line is deleted from XXXX. It does not affect them in any way, and it is a requirement for the lender. 

Please help. 
Thank you.
Product: Mortgage

My name is XXXX XXXX loan XXXX. 

I'm writing today because the balance on my loan should be lower than what it currently is. 

On XXXX of 2018, I made 2 payments. One on the XXXX and one on the XXXX. 
The 2nd payment should have lowered the loan balance to {$220000.00} All subsequent payments should have been based on that new lower amount. 
Please reamortize the loan so the lower amount is reflected. 

You can not just lower the amount owed by {$2000.00} at this time. You have to reamortize it to be accurate. 
It is a lender error that the amount applied to the principal ( as shown below ) is the principal went down {$490.00} and also {$240.00} for the additional payment amount but it should have gone done {$2000.00}. 

I don't want to file a complaint but this is my 2nd request to address this. 
Thank you XXXX XXXX XXXX Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$220000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$900.00} {$340.00} {$0.00} {$220000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$220000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$910.00} {$340.00} {$0.00} {$220000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$230000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$910.00} {$340.00} {$0.00} {$230000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$230000.00} Monthly Payment XX/XX/2018 {$1700.00} {$480.00} {$910.00} {$340.00} {$0.00} {$230000.00}
Product: Debt collection

The first time I had ever heard of this company is when they sent a bill for me to pay 2 to 3 months ago. I immediately called the company to advise they had the wrong person and that I didnt owe the debt that it was fraud. I advised the company I dont even go by the name on the bill they sent to me and I never bought anything. The lady I spoke with said that they would not bother me again and send the account back to the company that hired them to send me the bill. 
Today I get a letter from this collection agency stating they purchased the account and they are trying to collect and harass me for a bill I know nothing of and that I know I dont owe. 
I do not owe this company anything and Ive advised them to cease and XXXX  harassing me and do not put anything on my credit report that I dont owe. The name is incorrect, I never signed any contract, i never purchased anything, and I know nothing about this company, Then the company is showing stuff in XXXX and XXXX but the first time ever sending me anything or I couldve disputed this back during those times.