23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted a USAA loan officer for a quote on VA 30 year fixed rates. I informed him I was shopping around for the best rates on VA loans, at which point he informed me that all VA home loan rates are standard for lenders, giving me no reason to shop around. This was my first time using the VA home loan and technically my first time purchasing a home. I come to find out later that VA home loan rates differ from lender to lender. I discussed the issue with his manager, and he said there is nothing they can do. I asked him to review the recorded conversation. He said it was n't recorded, apparently it is a random process for which calls are recorded. Any assistance in resolving this issue, even if it is simply holding them accountable on some level. This has severely impacted my family and possibly the selling family as well during this home buying process.
Product: Money transfer, virtual currency, or money service

The company that I'm reporting is Jpay ( www.jpay.com ) ( jpay in the app stores ). They work with Correctional institutions to provide services to XXXX. Our family, or by our own, places  money into a trust account which can be used to purchase goods on their " store ''. In the store you can purchase various items, like music and/or games. 

Routinely, the games they have in their store are flawed and do not work. When this is reported, it is ignored and the company routinely keeps the funds without processing the trouble tickets for refunds.

I purchased at least 6 games that do not function and jpay  refuses to refund my money. While this is happening to me, it is systemic and is happening to every XXXX that uses their system, which is just about every Ohio XXXX. 

I welcome any opportunity to have this matter corrected. The company routinely ignores complaints to the XXXX XXXX XXXX  as they have a contact with the Ohio Department of XXXX and XXXX and simply do not care about  being reported because of the secured income. Equally, XXXX  have no other option, were secured consumers without anyone to help. 

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX ( XXXX  Number : XXXX )
Product: Payday loan

Hello. My name is XXXX. I took out a payday loan through a company called XXXX. I went through a company called XXXX XXXX to mediate a settlement and they took money out of my account for 7 months and it was to go into an escrow account. Needless to say I paid for services I never received and they are no longer in business. Long story short I took out a loan for {$3400.00} on XXXX/XXXX/13 I mad a total of 12 payments for a total of {$3200.00} and I tried to mediate a settlement through XXXX XXXX. Now I am being bombarded with phone calls from XXXX XXXX XXXX ( XXXX ) XXXX. The interest is extremely high and at the end of the day 13 payments later I would have paid {$7100.00} with interest being {$3700.00}. Do you represent this type of cases? Do I need an attorney? Is there room for compromise? These people are trying to serve me papers, there is a person that text me and when you call back there is a lot of threats, as well as from the phone calls. They have turned it into collections of which has been recorded on my credit report. It 's a night mare. Please advise if you could help me and what fee 's will be. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I spoke with XXXX XXXX of Williams , Rush & Associates LLC in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} ), she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 4 months my requests have been overlooked. Discontinue the stall tactics and please delete the disputed accounts reporting erroneously on my Credit Report. Upon further review of my Credit File, I immediately noted the following : a ) Charge Off account continue to report on my Credit File still indicating a balance, for all I know, Charge Off accounts report 0 balance ; b ) the repossessed account was done illegally followed by illegal reporting on my Credit Report ; and c ) the accounts reported are already deleted from the other Credit Bureau, making me wonder why is it too difficult for the other Credit Bureaus to do the same? Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint requesting that the Credit Bureaus must remove the disputed items completely from my Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit reporting or other personal consumer reports

I sent multiple companies request to remove hard inquiries that keep affecting my credit due to data breaches by Experian and XXXX exposed my personal information I need my credit report fixed and negative information impacting my report removed.
Product: Credit reporting or other personal consumer reports

Please update my personal information on credit bureaus. 
Full Name - XXXX XXXX Correct Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone - XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal put my funds on hold for a period of 180 days total of XXXX XXXXPayPal stated funds will be released to me on XX/XX/2021. I understood and acknowledged it. Was fine with waiting but in no way did PayPal say they were going to steal my money, on XXXX XXXX PayPal took all my money and is refusing to give it back. I worked very hard to make the little I have and is extremely unfair a large corporation like PayPal just takes customers money and does nothing to fix the issue. Contacted PayPal numerous times and they refused to let me speak to a higher up management, nothing has been done, they dont care. I am extremely unhappy.
Product: Debt collection

Name of the debt collector, including name, address, and phone number : Wake field and Associates, Inc. 
XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX or ( XXXX ) XXXX Please refer to account number XXXX. 

Wake field and Associates, Inc. 
XXXX XXXX XXXX  XXXX XXXX, TN XXXX Dear Consumer, Financial Protection XXXX XXXX CFPB ) I am responding because I have made a complaint regarding Wake field and Associates, Inc. about collecting a debt that is fraudulent. 
I do not have any responsibility for the fraudulent debt Wake field and Associates , Inc. is trying to collect. 

If Wake field and Associates, Inc. have good reason to believe that I am responsible for this debt, mail me all the documents clearly with my signature agreeing or consenting for treatment/bloodwork, insurance claims, etc. 
Just as my last complaint to CFPB, I have asked Wake field and Associates, Inc. to stop all communication with me and with this address per 15 U.S. Code 1692c - Communication in connection with debt collection, and record that I dispute having any obligation for this debt.

If Wake field and Associates, Inc. stop the collection of this debt, and forward or return it to another company/debt collector, please indicate to them that this fraudulent debt is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is fraudulent/disputed. 

Wake field and Associates has engage in egregious violations of the law, including phantom debt collectors by obtaining my personal information through a variety of means and then contact those/me and claim I owe a debt, when in fact the debt is entirely fraudulent/fabricated or is otherwise not owed to the collector. Wake field and Associates Inc. Uses abusive debt collection practices by placing questionable debts on my credit reports without first communicating with me about the debt. 

Wake field and Associates does NOT adhere to a number of laws and regulations, which govern topics as diverse as telephone communications ( e.g., the Telephone Consumer Protection Act, or TCPA ) and furnishing information to credit reporting agencies ( e.g., the Fair Credit Reporting Act, or FCRA ) as well as various state statutes. Wake field and Associates harassing, oppressing, and abuse me the consumers ; ( 2 ) utilizing false, deceptive, or misleading representations or means when collecting or attempting to collect ; and ( 3 ) using unfair or unconscionable means to collect a debt Sincerely, XXXX XXXX
Product: Checking or savings account

I opened my account, After a couple of weeks I was trying to put the minimum amount of money to avoid fee charges and my account was blocked. 

All the transactions I made were done by me via XXXX wirh my other bank accounts. 

They are saying they are working on this but I find it outrageous that my account got closed without any prior notice email or something to back up their actions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

My card information has been hacked. I got a solicitation purporting to be from Capital One requesting me to give them a new card number as my old card number had been declined by XXXX XXXX. I have never I am sure donated to this charity.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear Legal Department , Quite simply you have woefully violated Fair Credit Reporting Act Section 611 [ 15 USC 1681I ] and the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) because it has been beyond not only 30 days but 45 days since you have properly investigated the following accounts : Name of Account Account Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand you delete these accounts as this letter is the same one I sent XX/XX/XXXX and will serve as my evidence you have violated the law. You are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

All my student loans have been paid off in full since XXXX but my credit report still reflects a balance over {$330000.00}! I have disputed this several times and it is not getting fixed. I can not close on a house or get any other loans bc my debt to income ratio is too high with this false reporting.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting

Equifax And Ally Financial Are Continuing To Report Inaccurate Information To My Credit Report. Equifax And Ally Also Continue To List My Monthly Obligation To Them At {$640.00} Per Month. Equifax And Ally Financial Are Continuing to Report Incorrect Information On My Credit Report And I Would Really Like It Corrected.
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX has violated my rights.

15 USC 1681 section 602 A. states : I have the right to privacy.

15 USC 1681 section 602 A Section 2 states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) states : no consumer reporting agency may make any consumer report containing 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was at work and I received a phone call from an unknown caller. I answered my work phone and was quickly greeted by a man on the line, the only thing he said to me was? " XXXX ''? I said " yes ''? and he hung up on me. Everything I have read about debt buyers, states if they call you they have to reveal who they are, where they work and why they are calling. This person did none of those things. 
About a week later I receive a collection letter in the mail from Portfolio Recovery alleging I own them on an old defaulted credit card that was over XXXX XXXX XXXX. I quickly wrote them a letter requesting verification on this alleged debt as well as a request to NOT contact by telephone nor at my place of employment that I wanted all conversations in writing. 
XXXX days later after I sent my request to Portfolio Recovery, I received a new letter from them stating they had purchased this debt and saying " it is your account '' with photocopies of what looked like statements, but they had Portfolios name at the top as the creditor, and the account number on the photocopied statement did not have any account number that I have on ANY of my credit cards. At this point I got onto the credit reporting agencies to get my free credit reports, and I look them over and actually what used to be a defaulted credit card for XXXX now had Portfolio Recovery name showing they are the creditor and the defaulted date had been changed to the current date???!?!??! I did not think that could reset a default date to make it look as if it had just be defaulted on??? I had not made any payments on that account in over 5 years and now it sits at current date. I contacted the credit reporting agencies and filed a dispute in which in 30 days Portfolio sent again photocopies of statements to me and let the credit agencies still report it as a new debt and would not change my credit report back. For a few months I went around and around with this debt buyer and one day I receive a knock on my door and it was court server serving me with court from their attorney out of state. They were so late serving me those documents I only had 10 days to respond, with the documents 12 days late. I didnt even have to get paperwork filed or help on this and it defaulted. Portfolio then garnished my wages through the sheriffs office for over XXXX per month. I sent the sheriff a income and expense report and he cut the payments off. So in the end, I just sold my home this past XXXX and they paid the payment in full from my proceeds from my home. This company are schisters, dishonest scammers and should not be in business!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During my investigation LexisNexis states and reported that I lived at   XXXX   XXXX   XXXX     XXXX   XXXX   NY or is accurately associated with myself at time of claim in question dated  X/XX/13 . What I have found is there is no such address on   XXXX   XXXX   NY. The road does n't even exist.or address. This is completely false and inaccurate information. If said address even exist or road please provide said proof that   XXXX   XXXX   XXXX      XXXX   XXXX   NY. is factually as they claim. Given this false statement as they provided on four occasions as verified proof. They must remove the entire incident that occurred on  X/XX/13  as it is flawed with false statements also inaccuracies.
Product: Checking or savings account

On XX/XX/2023 I opened a personal checking account online with Santander Bank. 
I sent electronic opening deposit in the amount of {$9000.00} from my XXXX business checking account which posted on the XXXX of XXXX. 
I immediately began using my account such as paying rent and other misc. bills. 
It was until I went into the Santander Branch located at XXXX XXXX XXXX on the XXXX of XXXX to make a wire in the amount of {$940.00} is when the issues began. 
Banker XXXX XXXX asked for ID and wire info which was normal but once he saw the amount that I deposited, he asked me what I did for a living then asked why a company is depositing this money in my account. I immediately was taken back by the intrusive question that was asked without context. I explained to him that this was my business that I owned. He left the room and came back and said he needs to make a copy of my ID in order to complete the wire. 
Once he comes back 5 mins later ; he said that he needs paperwork to show proof that I own that company. I started to feel uncomfortable, and asked for him to close my account. he said he can't close my account because Santander doesn't close accounts at the branch only online. 
He then but the branch manager, XXXX XXXX on the phone who said that I need to provide proof of my business ownership. I told her that I just want to close the account which they said they cant do at the branch. I then left. 
By the time I got home which was only 7 mins because I live in the neighborhood ; y account was locked. 
I called XXXX XXXX and she said they will unlock my account only once I send in proof I own the business. I then emailed her with documentation however she disappeared and avoided my calls 2 days later. 
On XX/XX/XXXX ; I found out that my bills that were paid were reversed by the bank and that they wanted me to 'replace ' funds that were used on my account before they reverse the initial deposit. 
I made a deposit of {$1400.00} on the XXXX of XXXX to resolve this matter however they have not been able to give me any information on when my {$9000.00} will be returned. 
I have taped calls and written communication that shows how unfairly I was treated and that they were focused on trying to keep my account opened in order to resolve this. The blockage of funds on my account was out of malicious intent because I wanted to close my account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , HI XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX , HI XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.