23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XXXX last year, I asked for hardship assistance since my husband lost his job, they approved me fir payment plan which {$910.00}. Higher than what I was paying {$730.00}. Then I skip one payment they send me a certified letter saying if o dont pay the full amount, my account is in default and o have to pay {$3100.00} other ways I will have foreclosure on my property. And they refused to modify my interest rate which is 6.75.
Product: Debt collection

I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with Ally Financial on XX/XX/2019. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction and given my knowledge of this, I was not expecting to receive bills. Shortly thereafter I started receiving bills which is a violation of 15 USC 1692b. In addition, the bills contained false and misleading information which is a violation of 15 USC 1692e, and bill contained abusive verbiage which is a violation of 15 USC 1692d. Also, at no point since entering this consumer credit transaction have I been advised of my right to rescind nor have I received any documents pertaining to such, which is a violation of 15 USC 1635.
Product: Credit reporting or other personal consumer reports

I paid off my XXXX XXXXXXXX credit card to a {$0.00} balance. XXXX XXXX then charged off my card, and didn't send me any documents showing the {$0.00} balance. The account was then marked closed on all three credit bureaus. However, months later I begin receiving mail statements showing an outrageous {$1800.00} bill on the same card, with charges from a card that was supposed to have {$0.00} credit for available credit, on a {$600.00} credit limit. I also had two different collection companies inquiring about the same card at the same time ; one which has since disappeared. When I contacted XXXX XXXXXXXX, they act as if they have no record of final payment, saying payment was rejected. I did in fact attempt to make several payments from two different banks until one went through ( bank statement attached ). I also paid off my other credit card with them, which had a {$1000.00} credit limit, at the same time. I also, received a letter in the mail stating that both credit card accounts had " unusual behavior '' on it. Then I noticed that an {$1800.00} balance was added to the closed account ending in XXXX on my credit bureau accounts. How is this possible, unless someone is committing fraud, and my information has been compromised. I brought this to CFPB 's attention, and it was quickly dismissed without being looked into. I also requested that each credit bureau go through filings for this account and find that the balance was {$0.00} and account was closed, before it miraculously appeared again with a false {$1800.00} balance. The last set of charges are fabricated and balance is incorrect. The last payment made was for {$300.00} because thats all I owed. I do not waste my time, arguing balances that I know I owe ; this one I already paid off. I'm not giving up. 
So, fix it!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX has infringed upon my rights and privacy protections as in the following laws In accordance with Law 15 USC 1681B, the Fair Credit Reporting Act ( FCRA ) section 605B stipulates that it is unlawful to report information without my consent. Additionally, under USC 15 section 1681, there is an obligation to ensure accuracy, fairness, and privacy in the reporting of assembled personal information. Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in 15 USC 1681n ( Civil Liability )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app, Block Inc due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving mt account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, and they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience, and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I disputed inaccurate information listed on my credit report and asked for validation of the inforamtion listed on the report with XXXX, XXXX and experian. The accounts disputed were XXXX XXXX and XXXX XXXX. XXXX returned a letter to me on XX/XX/year> stating the XXXX XXXX  was validated but they did not send proof of validation. They did not respond to the dispute of net credit, they did not address the dispute at all and it still remains on credit report. I have reached out to net credit numerous times and they continuously sale my information. I am never able to keep up with who has the account. I want both of these accounts removed off my credit report
Product: Credit card

Capital One had a data breach in XXXX. A class action lawsuit was filed and I just found out about it. I called the company 's listed number for the settlement ( XXXX ) today - XX/XX/XXXX. The representative on the phone told me I am not showing in their database. I had them check my maiden name, which is XXXX and she was able to find me in the system. I changed my last name 6 years ago and updated the company and cards at that time. That was odd to me, that my last name was not updated. 
The representative confirmed with me that I was in fact affected by the data breach, and that I should have submitted a claim. She claims I was sent and email. I told her I never received an email. She said it was sent to my email, which she and I both confirmed was accurate. I went through all of my emails ( which I always archive if they have to do with banking/credit cards/payments/notices ) and I never received one. She told me that it was too late to file a claim, as the due date was XX/XX/XXXX. 

I don't understand how they can easily find me to market to me, send me credit card offers in the physical mail, remind me to pay my card, and confirm payments, but not get in touch with me to let me know that my data was compromised and that I was entitled to settlement money. 

There are a lot of folks that are just now hearing about this, and have the exact same experience as myself. I have two credit cards with Capital One, and both of those accounts have been open for over 10 years. I feel like this was purposeful negligence and I would like to be able to submit a claim or be compensated.
Product: Student loan

I signed a contract with XXXX XXXX XXXX XXXX ( " XXXX '' ), and they were supposed to pay off my Sub and Unsub loans. I have been paying XXXX $ 39 monthly, and they were automatically debiting the money from my bank account. Then XXXX contacted me to renew my request for a deferment, and XXXX informed me that XXXX had not paid my loan as per the contract. Now I have sent XXXX a letter stating that I would no longer pay them the {$39.00}, and I put a stop payment on the ACH with my bank. I would like my money back and, more importantly, I want XXXX exposed as a fraud so other students wo n't go through this ordeal.
Product: Vehicle loan or lease

I made 2 times payment of {$650.00} to Regions Bank by phone. Unfortunately they said they received the payment after hours and they reported 2 late payments on my credit profile.
Product: Checking or savings account

Wells Fargo depleted my account and put me into overdraft and then XXXX  hit and I had no way to get my account back. I fought them because a hotel overcharged me and lied about having a jacuzzi. 
The XXXX is still advertising there is a jacuzzi there is not. Wells Fargo didn't investigate my complaint. They went with the merchant. So now I can't open a bank account anywhere and they call my phone daily.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint about being a victim of fraudulent activity. To remove the fraudulent items from my report, I learned that I need to file an identity theft report with the Federal Trade Commission at XXXX XXXX XXXXftc.gov. Per FCRA section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to help remove the erroneous personal information and inquiries posted to my report. Here is the list of items opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must remove any items in the consumer 's file resulting from identity theft within 4 business days of receipt.
Product: Debt collection

Phoenix Financial Services is reporting a debt on my credit report for {$740.00}, I was not given notice of a debt collection until I recently pulled my credit report. 
They have also reported a different debt that I have been disputing for a long time with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is with Equifax the credit reporting agency and XXXX. Equifax is only reporting my credit score as XXXX and XXXX is reporting as XXXX, this is due to the fact that they will not remove old issues and public records from my report. I filed a bankruptcy in XXXX of XX/XX/XXXX and the bankruptcy was discharged in XX/XX/XXXX, 8 years ago. Every aspect of the bankruptcy has been met and my credit score with XXXX who is no longer reporting the bankruptcy is showing XXXX. I have disputed this fact with both XXXX   and XXXX multiple times over the last year and they keep denying stating it is reporting correctly and it is not. I feel as though this is a prejudice and I am being discriminated against on my credit reports. I am trying to get my score up to close on a home loan and I can not nor have I been able to for the last year due to this mis reported information. My FICO score is showing as XXXX as well however I am being punished for something that happened 8 years ago due to my husbands company going under during the economy collapse. It is seriously by law only allowed to be reported for 7 years after the discharge which is now 8 years ago. Please fix this asap so I can buy a home. I have paid off mostly everything else off in my credit report and this is just discrimination when this should have been removed over a year ago.
Product: Credit reporting or other personal consumer reports

MOHELA Balance details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$38000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX MOHELA/DEPT OF ED Balance details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$37000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Contact info Address XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX
Product: Mortgage

Contacted Movement Mortgage, XXXX, AL on XXXX XXXX, 2015 because this company is on the Alabama Housing Authority Finance 's lenders list for the Step Up program. Consumer was led to believe that was qualified for this program and a government housing grant because my credit scores are on par. Consumer submitted documents to these clowns but, deliberately, not bank statements. Consumer has not been contacted all this time to confirm that documents had been received are any other confirmation. Today, consumer was contacted by branch manager doing a song and dance number to the fact that their company does offer this program but has put in place other criteria because defaults are high. The company is requiring a XXXX credit score and not the standard XXXX credit score this program requires. This company has wasted my time and energy by not stating upfront this additional criteria. This company is deceptive, to say the least. Consumers deserve better.
Product: Vehicle loan or lease

I have a car through XXXXXXXX XXXX and their credit company bridgecrest. I am trying to refinance the loan ( which is still a high ridiculous amount ) and the refinance company says my cat isn't on any of my credit reports.
Product: Checking or savings account

I had a XXXX dollar CD at PNC bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, phone # XXXX which matured on Sunday XX/XX/year>. As XXXX was a holiday I went to that bank on XX/XX/year> to liquidate that account and get the funds ( including interest ) transferred to my account at another bank. They gave me interest upto XX/XX/year> and refused to give interest for 2 days of XXXX. I spoke that branch XXXX on XX/XX/year> and she stated that it was their bank policy to not give interest for the grace- period days after maturity of a CD. I request your help to get the interest for those 2 days as all other banks have always given me interest on my funds in a CD until I liquidated that during a grace period after maturity.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of Complaint # XXXX, have it been corrected at XXXX  and closed both at XXXX and XXXX  now both XXXX and Transunion decided to to lower my score 60+ points, because of the same complaint. 
My mistake was only adding one of the three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Bank account or service

I 've had the same checking account with my bank ( formerly National City, now PNC ) since 2006, and there have never been any monthly fees or charges taken from my account. For the past several months, however, I 've had {$10.00} calculated service charges taken from my account, and I ca n't find anywhere on the PNC website what the charge is for. I have n't made any changes to my account or been contacted by the bank, and I do n't understand what the service charge is for.
Product: Checking or savings account

My card was used to withdraw money at a atm in XXXX XXXXXXXX XXXX the problem is when it occurred I was in XXXXXXXX XXXX I disputed it they denied it in less than a day I appealed with proof my hotel receipt showing I checked in to the hotel in XXXX and was there until the XXXX the money was withdrawn on the XXXX the still denied it saying there was no error they refuse to do anything but deny my dispute
Product: Credit reporting or other personal consumer reports

I reviewed my report snd noticed fraudulent activity on there please remove all fraudulent accounts as it is hurting me from obtaining credit as well as violation. 
and according to 15 USC 1681s-2 they are suppose to 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 is inaccurate. Thanks
Product: Checking or savings account

Using Robinhood for the first time., I transferred XXXX to seed the account. Within minutes of making deposit and preparing to use the funds I noticed XXXX was missing. 
I immediately notified Robinhood while transaction was still in transmission they did nothing. I notified them by both phone and email that the transaction was unauthorized They did nothing Rather than issue a provision credit they have restricted my account, blocking access to remaining funds., and sending endless requests for duplicate documents This has been going on since mid XXXX thru today. It feels like stonewalling to avoid refunding the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act My husband and I purchased a vehicle from XXXX XXXX XXXX, an a partner and or affiliate XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, my husband became ill with XXXX and contacted XXXX to voluntarily surrender the vehicle due to financial hardship. XXXX instructed us to return the vehicle to XXXX XXXX XXXX, which we did. XXXX  confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, XXXX  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, XXXX changed the report to " voluntary repossession '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, XXXX illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

XXXX has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA, by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws regarding debt collection and wage garnishment procedures in Illinois. 

We demand that XXXX immediately remove the negative account from my credit report, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against XXXX to stop their unlawful behavior.
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 XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX ( XXXX ACCOUNTS ) XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX, Transunion & XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 is inaccurate.
Product: Student loan

I borrowed {$13000.00} in 2003 from Student Loan Finance. I became extremely I 'll in the middle of the XXXX semester, resulting in XXXX XXXX over the last XXXX years. Student loan XXXX has been unrelenting. They have told me I need to borrow the money from family members or get another job. They have been unwilling to accept any form of payment other than what they want and have threatened to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to all credit bureaus and to whom it may concern and just to be clear XXXX Equifax and XXXX. 

I XXXX XXXX XXXX have been disputing by mail and somehow my dispute letters are being sent back. I don't know if I'm doing something wrong but I'm pretty sure my mail is being sent correctly. I do not want to use the CFPB as my shield to send a dispute letter. if I dispute directly from the website. They would not do a proper investigation. in Reference to my dispute. With XXXX XXXX that starting with # XXXX XXXX, I have done what XXXX XXXX. Wanted me to do create an identity theft report with the FTC. And just to inform credit bureaus I have every right to dispute any information that is inaccurate in my account. Also, I have the right to gather information. Such as. The original contract, payoff disclosure, interest rate disclosure, balance history, payment history, Credit Insurance. And if XXXX XXXX can provide the credit bureaus with this information I suggest deleting it. 

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

In XXXX of 2018 I requested XXXX, Transunion and XXXX to validate the collections that they have reported on my credit report. XXXX, Transunion and XXXX failed to send me any information that the collections belong to me. 

Collections that are being disputed Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX