23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX, which controls The XXXX XXXX Credit Cards had extended my wife a line of XXXX dollars originally. We had good standing with this card for a long period of time despite the extremely assanine 25 % interest rate. It got to a point where certain interest points of XXXX and XXXX month special financing were dropping off and it was expanding beyond our credit limit and I was paying around XXXX dollars every three months to bring it back down below the minimum balance. After this occurred, XXXX lowered the balance and worked with us to catch it up. There was a disagreement on payment and the account went into collections after they tacked on XXXX dollars more and put us over the limit. Now it is with a collections company called Portfolio Recovery Associates LLC. 

They have been rude, and they have bombarded my phone XXXX times a day with varying phone numbers. They have initially failed to identify themselves until they try to bait me into identifying myself as " XXXX Husband '' to which they ask for no further identification questions. They do not verify that I am indeed who I say I am but then go into how she owes money and disclose personal information. 

This is a violation of Fair Collections, This is a violation of XXXX privacy as it 's advertising that she owes a debt - anyone can pick up my phone and say they are - there are laws to prevent this and I 've been rudely told there are not. 

I am not an un-educated fool and know otherwise. A supervisor attempted to get me to identify myself further only when I started mentioning the laws in our country against un-fair practices to which she said they 'd be calling back later. That is classified as harassment and a threat. 

They have also used auto-dialers on my cellphone a XXXX times to get me to return the phone call to speak to someone. 

Please see their previous and current lawsuits -The XXXX also says that : A pending class-action lawsuit filed in XXXX District Court in California in XX/XX/XXXX claims that PRA broke the law by using an autodialer to call consumers on their cellphones without permission. 
PRA lost a class-action lawsuit filed in XXXX XXXX XXXX in New York, and in XX/XX/XXXX was ordered to pay {$350000.00} to about XXXX consumers who claimed that the company included drafts of legal documents suggesting it would sue them when it mailed them collection notices. 

The Consumer Financial Protection Bureau has received XXXX complaints about Portfolio Recovery Associates between XX/XX/XXXX and XX/XX/XXXX*. Complaints about attempts to collect outstanding credit card bills, auto loans and other delinquent accounts include : Threatening a lawsuit or other legal actionImproper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call ) Disclosing the existence of the debt to third partiesContinuing to attempt to collect debt that was not owed or that had been paid. 

This has also happened.
Product: Debt collection

In XXXX of XXXX, I contacted the Department of Education and XXXX  XXXX XXXX about a Nelnet loan that had been consolidated. They informed me that I would not receive credit for payments made toward Public Service Loan Forgiveness, as a result of the consolidation. Post communication with Customer Support Department the Department of Education agreed to retract the consolidation This would mean that the loan monies paid to Nelnet would be rescinded and the old accounts would be reopened. 

However, Nelnet opened two new accounts with different account numbers and reported two old 90 day late for XX/XX/XXXX notices on the new accounts. These two new accounts with late notices dropped my credit score significantly, Making it impossible to attain an affordable interest rates. 

This was done after I had increased my score due to credit repair.
Product: Mortgage

I just received a letter that stated that I was charged a late fee which in fact my payments were received NewRez company before the XXXX. One of the attached shows when my payment was paid out from my bank and the other shows when NewRez received and processed those payments. The Rez Payment History also shows late fees that the company applied to my account when infact they received my paymenys on time. NewRez seems to have a problem placing the payments into the proper catagories. It also appears that they are using my next partial payment and applying it to what they consider missing payments keeping my account behind on my payments.
Product: Consumer Loan

In XX/XX/XXXX I bought a XX/XX/XXXX XXXX the finance company was Westlake Financial Services out of California. I ended up in Bankruptcy before the car was paid for. They repossessed the car in XX/XX/XXXX. Around XX/XX/XXXX-XX/XX/XXXX there was a Judgement placed against me for the remaining balance of {$3200.00} ( roughly ) The lawyer Westlake used was XXXX. They garnished my bank account, then later they began garnishing my paycheck. This was all fine as I know I owed the money. However now after the bill has been paid the original creditor Westlake Financial Services has sent me a letter stating that the payment had not been received on the Judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Collection Account 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 2 : also states a consumer reporting agency can not furnish an account without my written consent. I have disputed multiple times and account has not been removed. This is causing a huge delay in my personal life and I really need this taken care of so that I can move forward.
Product: Checking or savings account

Ive had a problem with cash app getting my money scammed and fraudulent situations that cash app as a business and corporation never took responsibility for and I never understood what happened and why I was at fault I asked for help with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, AND XXXX have protected an entity called COURT. No address no other information to identify who is doing inquiries on my credit report as much as they did. The reason Fico, Experian, XXXX and XXXX protects this company is to intentionally reduce a persons credit score and credit rating. Im atttaching all Experian provides who this is.
Product: Credit card or prepaid card

On XX/XX/XXXX, my online XXXX XXXX account was compromised and someone made a purchase for {$600.00}. The item was picked up via curbside according to the XXXX XXXX website. I immediately contacted Comenity Bank. Today, XX/XX/XXXX, I noticed a chargeback to my account on XX/XX/XXXX for this transaction. I called Comenity and they said I was liable. I dont know how that could be, my phone was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated my rights to privacy 15 U.S.C 1681 section 602. A states i have the right to privacy 15 U.S.C 1681 Section 2 - It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX an auto finance company financed a vehicle in my name without my authority or knowledge in XXXX of XXXX. Though I have repeatedly indicated to the XXXX XXXX that this was a case of identity theft. They have continued to report to the credit agencies a charge off of XXXX. The entire amount of the loan. In XXXX of XXXX my name was added to the title weeks before the XXXX XXXX charged off this loan. I have gathered copies of the contract and other documents and they show that the signatures are computer generated, all exactly identical. There are some areas where a signature belonged but is not present. This puts act to have been between the dealership which sold the vehicle XXXX XXXX XXXX  and the XXXX XXXX. I want immediate removal of this blight from my credit report and for XXXX to clearly follows the laws and due process I have as a victim of identity theft How it started Date fraud began : XX/XX/XXXX {$27000.00} I have no connection to XXXX AND NEVER bought a car through them the signatures were computer generated the vehilcle was the vehicle i leased through XXXX XXXX and turned in and two months later i get a bill for first month payment ..i contacted them immediately told them it was a mistake identity thedft or some ething but it was not me 4 months later they charged the vehicle off in my name and its still there nearly 2 years later
Product: Credit reporting or other personal consumer reports

I had a hard inquiry from XXXX  XXXX. Ive never done business with them and never contacted them. I tried reaching out to figure out what happened and instead of transferring me to the appropriate department the person I spoke with wanted my Social Security number. I dont mind Supplying that information to the single appropriate person. I need to speak with, but not every person along the way. The person refused to transfer me. I need to know how the inquiry happened, whether someone was impersonating me or not. And I need the inquiry removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX Reference 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 an account without my written instructions.
Product: Credit reporting

I received a XXXX page ( XXXX sided ) response to a dispute - and have not received an updated Credit Report, as mandated, and this is the XXXX time in 2015, where this has occurred. Instead, I got a dispute result document - which is attached, As previously communicated in the disputes made through this portal, all communications from Equifax are expected to be through US Mail only, as I have not granted permission to view or receive these responses online. 

Attached is the letter generated on XXXX XXXX, 2015 deleting the contested XXXX account. 

Please share any updated report.
Product: Debt collection

American Express is trying to make me pay XXXX XXXX  Bills. I used to work for the company but no longer do. Their corporate card is charging me interest and delinquency charges on some debt that XXXX will not disclose to me. I only used the card for XXXX work expenses. the purchases are not even mine. Now XXXX and American Express wants me to pay for XXXX purchases. I left the company XX/XX/XXXX.
Product: Credit card

This is in regards to my credit card company, US Bank for XXXX XXXX. I contacted the bank via the automated system to inquiry about my monthly payment amount. On XX/XX/year> I logged into my account to schedule a payment for the month of XXXX. The next day upon checking my bank account, it showed two payments were drafted from my account. I contacted my bank and advised them one of the payment was not authorized by me so I was refunded that amount. ( {$370.00} ). 
On XX/XX/XXXX, I scheduled another online payment for that month and two days later I was notified by my bank that my checking account was overdrawn because two payments were drafted one of which I did not authorize ; I had to close my account to prevent future fraud, this was an inconvenience. I believe US Bank 's automated system is floored so since no one has access to my bank information, the automated system used my saved information on its website to process payments if the caller chooses that option..

US Bank is not protecting the consumers because any caller who wants to make a phone payment through the automated system should be asked to give the funded account number for verification..
Product: Credit reporting or other personal consumer reports

Late Payments XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

US bank unfairly auto renewed my matured CD account to a extremely low interest rate 0.05 %, which is even much lower than their money market or saving account interest rate. Upon found it out on XX/XX/2024, I contacted customer service, I was instructed to go to branch, they charge me 1 % of the fund in my the CD account as a penalty to withdrawal it pre-maturely, which is much higher than the annual interest of this CD term. Their practice is unfair and deceiving.
Product: Credit reporting or other personal consumer reports

I am certain you are aware that threatening legal action without the intention to follow through is illegal. Thus, be informed that I am resolutely serious about pursuing legal action against your company. I have sent numerous letters requesting that you investigate and remove all inaccurate information reported on my credit profile, yet you persistently fail to comply. It is my understanding of the law that you are obligated to honor each request to investigate incorrect information, which you have evidently ignored. This blatant disregard is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides individuals the right to take legal action against consumer reporting agencies and furnishers of information for non-compliance, including penalties and liabilities. 

XXXX XXXX XXXX
Product: Mortgage

Dear Sir or Madam, I am writing to you to report a serious issue that I have with my mortgage lender. On XX/XX/2021 after a discussion with the Loan Processing Officer, XXXX XXXX, XXXX # XXXX from Bank of America I decided to apply for a mortgage refinancing. One of the major financial incentives to apply was the fact that I could go through a XXXX process, with which I could avoid paying the transfer tax, an amount of {$14000.00}. After waiting more than three months to complete the XXXX process, Bank of America informed me that we are ready to close the loan and the sent me the Closing Disclosure, where there is a charge of {$13000.00} for the transfer tax! Two weeks ago I had contacted their legal counsel who was handling the XXXX process and they had informed me that my file was clear. On XXXX when I first talked to the above loan officer, he had told me that I will not have to pay the transfer tax since we are proceeding through XXXX. Today I am charged not only with the transfer tax but also with all the legal fees for the XXXX process. I feel I have been deceived and I would like your help to investigate this case. 

Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I have the right to dispute information that I believe is incorrect, and I request your immediate investigation into this matter. 

This inaccurate information is negatively impacting my credit report. According to the FCRA, you are required to investigate and resolve this dispute within 30 days of receiving my request. 
Please correct or remove the inaccurate information from my credit report and send me an updated copy once the dispute has been resolved. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, XXXXXXXX XXXX XXXX  claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, XXXX XXXX XXXX informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The XXXX XXXX XXXX affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice. 

Moreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize XXXX XXXX XXXX  to share my personal information with any third party based on false pretenses. 

XXXXXXXX XXXX XXXX has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report. 

Furthermore, XXXX XXXX XXXX  violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan. 

Additionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as TransUnion, XXXX, and XXXX are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. TransUnion has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.
Product: Money transfer, virtual currency, or money service

I transferred {$22000.00} from my XXXX account to my Wells Fargo account Friday almost XXXX. My wifes car is breaking down and she found a new one. I called XXXX and confirmed that wells received it around XXXX and we went to dealership. Along way I checked wells account and not there. Waited till dealers closed last night now its still not there. Its now been over 26 hours. On phone with wells and XXXX all morning. Wells kept me on hold for an hour then hung up on me, the XXXX from wells said they have no record of it nor would he provide a case or inquiry number. He also refused to transfer me to a manager. XXXX at least answered but wont even provide a confirmation number on transfer. Where is my {$22000.00}? My wifes car is almost dead
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit card

I was applying for a auto loan and I was denied because of my bad credit history. I obtained my credit report from XXXX, XXXX, and XXXX and I figured out that there are several accounts that do not belong to me. I am a victim of identity theft and somebody stole my personal identification information and opened accounts under my name. I filed a police report from XXXX Police Department ( Police report No : XXXX ) on XXXX XXXX, 2014 and sent the police report to all credit bureaus and creditors. Since now, I did not get any results and the credit bureaus refuse to resolve this problem. I called to XXXX many many times and asked them to block the fraudulent accounts but they did not pay any attention to my dispute. I talked to XXXX XXXX who was from XXXX Fraud Department ( he was from XXXX that how he introduced himself ) and he did not even go through the documents that I send to XXXX. He told me that he could only redispute the fraudulent accounts, I told him that since XXXX 2014 and I am disputing fraudulent accounts but still no results. Please help me to resolve the problem, because my credit was damaged for some reason and the following accounts are opened under my name : Bank of America ( acc no : XXXX .... ), XXXX XXXX - ( acc no : XXXX .... ), XXXX XXXX ( acc no : XXXX .... ), and XXXX ( acc no : XXXX .... ). Also, please see attached the police report.
Product: Credit card or prepaid card

Syncrony has single handedly destroyed my credit. i had a pay pal mastercard from syncrony, disputed an obvious duplicate charge, two mos later i paid this card in full to a XXXX balance. this same day they did a chargeback of 150 and closed my account. i had never been late on a payment but i requested paper copies of all my statements when i paid off the balance, they were never sent of course and have tried several dozen times to contact syncrony but none of their cs reps can do anything with a closed acct, which now has a balance of 577 due to all the penalty fees they continue adding after it was closed. then they sent mye to collections and i was hopeful it would be resolved. The man investigated what i told him had happened and i got a letter from him to call but when i called the collection company yesterday i was informed they no longer could help me and said syncrony had recalled my debt due to error so i could contact them..it is impossible to speak to anyone who has any knowledge or authority at syncrony,. every phone call is an hour long and all they do is give u a different phone number to call and same person answers. this morning i got XXXX  notification they are now reporting a new delinquent acct on my report. im very upset. this is the only company i have issues with and every acct i have with them is terribly wrong