23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/23 {$330.00} bill paid in full XX/XX/23 {$6.00} interest on bill after the bill was paid in full XX/XX/23 {$6.00} company issued late fee when there wasnt a late fee XX/XX/23 issued {$1.00} interest charge XX/XX/23 {$14.00} company issued another late fee when there still wasnt anything late. 
XX/XX/23 {$1.00} interest XX/XX/23 company realized they screwed up charging interest and reversed transactions and charges against me. 

I am in the process of refinancing my house and never knew about these charges because I paid the bill in full. They never told me about any charges or late fees until my mortgage broker told me about it on my credit report. So my broker told me to call them and have them issue a letter stating there should have never been any late fees or charges against me. They have hit my credit and dropped me by 70 points and I had almost an 800 credit rating. So I explained to company what I needed and all they issue to me is a statement showing I owe {$0.00} rather than giving me a letter saying that I never owed anything at all so my broker can issue another Rapid Credit Check so I can get a better interest rate. This company XXXX my credit and I just want them to issue the correct letter stating I never owed anything. Ive talked to over 10 people with this company and none have been willing or wanting to help. Its been a run around and all I honestly want is my credit repaired instead my broker told me that it is credit card fraud which is what they are doing. I wasnt trying to report them to you guys but I just want help is all.
Product: Mortgage

I was going over my statement from XXXX XXXX. There were fees charged to me almost every month. XXXX date of XX/XX/XXXX. XX/XX/XXXX legal fees, {$110.00}. XX/XX/XXXX legal fees {$150.00}. XX/XX/XXXX legal fees {$500.00}. XX/XX/XXXX legal fees {$500.00}. XX/XX/XXXX legal fees {$380.00}. XX/XX/XXXX legal fees {$50.00}. XX/XX/XXXX legal fees {$50.00}. XX/XX/XXXX legal fees {$1600.00}. XX/XX/XXXX legal fees {$2000.00}. No action was taken by XXXX XXXX. Multiple phone calls to the company were dismissed by the representative. No action was taken by XXXX XXXX to explain and itemize the legal fees. I was in XXXX XXXX bankruptcy during this time and under XXXX Bankruptcy protection. The company did not get permission from a judge to charge those fees. They were in violation of XXXX Bankruptcy laws. XXXX XXXX in XXXX of XXXX transferred my mortgage to XXXX Mortgage XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My vehicle was totaled on XX/XX/XXXX. VW Credit was notified of this incident. My insurance company cut a check to VW Credit on XX/XX/XXXX in the amount of {$35000.00}. VW Credit made an update to my credit to my credit report. My XXXX XXXX informed me via email on XX/XX/XXXX, an additional payment to VW Credit {$12000.00}. My credit report never reflected this payment. VW Credit continued to report a balance of {$17000.00} due. I contacted VW Credit on XX/XX/XXXX regarding this matter. I was informed by the representative at that time {$4900.00} was still owed on the account.They only update the credit bureau twice. I informed the representative that VW Credit never informed me a balance was owed on the account and this was the first time of me hearing of this balance. The representative then proceeded to ask me how much I could pay on the account today. I informed the representative that VW Credit inaccurate reporting has caused me harm. I've been denied car loans because of this inaccurate reporting and not notified by VW Credit a balance was remaining. The representative continued to state it is XXXX policy to report to the credit bureau only XXXX XXXX. I informed her at that point what she was telling me isn't the law and would be reporting VW Credit to CFPB. It wasn't until then the representative stated she would inform the team that report to the credit bureau. The representative advised it would take XXXX to get a response from them and to call them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

I sent a letter on ( XX/XX/2023 ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/2023 ). 

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

My personal information was lost as part of the Equifax breech. The company 's handling of this issue, from the lack of adequate security standards, to an unacceptably long time before notifying us of the breech ; was totally unacceptable.
Product: Debt collection

On XX/XX/2023, I received an alert from XXXX stating the debt collection company Caine & Weiner updated a {$0.00} balance to my credit reports under collections. The balance was paid to the original company. This collection account is affecting my credit negatively.

15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request payment validation, privacy, and accurate information on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter plus I did a dispute but they keep putting address on my report that are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}
Product: Mortgage

Below is the, somewhat lengthly explanation of what has transpired in our efforts to get help from Wells Fargo in modifying our mortgage and home equity loan. 

It 's not all bad. This began more than a year ago when I was assigned a woman named, XXXX XXXX, who was going to handle our request. When I explained we 'd like to combine our mortgage and home equity loans, she transferred me to a XXXX XXXX, stating it was not in her department. 

After a very long process and with the help from his manager, a man named XXXX, we were able to modify our primary mortgage. So far so good. 

In my final conversation with XXXX XXXX he informed me that he was transferring all of our documentation to XXXX XXXX. When asked what I should do about paying the home equity loan, he told me to make no monthly payments, since it was in the process of being revised. 

Herein begins our difficulty. 

We kept receiving requests for documents they already had as well as tax returns that, at that time, had not been completed. 

After a bevy of letters, most saying that they needed more time to " make a decision, '' we were then turned down for no apparent reason. A full explanation as to why was never given. 

I immediately requested a review of the decision. At this time we inherited someone named, XXXX XXXX. He never called us and I have never spoken with him. 

Instead we received more letters ( I have a XXXX inch file ) and another rejection, again with no apparent reason given. 

During an interim conversation with a man named " XXXX '' Who claimed to be the same department who handles complaints to you, I thought we were making progress. 

Just this week, we received an XXXX XXXX notice, which makes no sense since our primary mortgage has been on time for the past year. 

At this point I do not know what to do. 

I 'm a XXXX year old self-employed, XXXX veteran, trying to survive. What these banks are doing to the American public is a travesty. They shuffle papers and create a blizzard of paperwork, designed to dissuade and discourage, all the while begging the government for handouts and special favors.
Product: Credit reporting or other personal consumer reports

I was really shocked this morning when I saw that there were inaccurate accounts on my credit report, and I cant figure out how they got there. I check my report regularly, and today, out of the blue, there were discrepancies. I even tried refreshing my browser, thinking it might be a technical glitch, but nothing changed. This has caused me a lot of concern, and Im asking that the documents Ive sent be thoroughly checked so that I can feel secure moving forward.
Product: Mortgage

I have been submitting required documentation for a Loan Mitigation with Planet lending since XX/XX/2024. Every time I call they ask for more and different documentation for the loan mitigation process. The goal line keeps moving every time i call. I am working with my Hud Counselor XXXX XXXX ( XXXX ) and he has called Planet to help understand what is required. Planet has not been respectful and or helpful to XXXX. 

The complaint is that Planet lending is Dual Tracking Best regards XXXX XXXX
Product: Student loan

During the year 2020, I was laid off and couldnt make any payments. They let me make interest only payments for only 6 months and wouldnt extend it until I found a new job. I asked for my loan to be forgiven also due to the school foreclosure due to abuse of the GI Bill and Washington state not renewing their license. ( Article : https : XXXX ) Since I have yet to find a stable full time job, Ive paid the minimum. They made my account almost go into collections because they put the full balance due as the minimum payment. My tuition was $ XXXX that guaranteed me to get at least career path assistance, which Ive never received and guaranteed me to find a position offering at least $ 20/hr. Climb credit investco is a scam along with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX
Product: Debt collection

Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HA VE V ALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.
Product: Debt collection

Slovin and associates XXXX based in Ohio is a debt collector that garnished my wages on XX/XX/XXXX from my employer. I contacted them and they informed me they had a judgement from XX/XX/XXXX. I told them I was not aware of any court dates and have never signed for any certified letters from them. They said they were collecting for XXXX XXXX from a account I had back in XX/XX/XXXX that was closed XX/XX/XXXX. The account was closed due to XXXX   overcharging customers for overdrafts and there was a class action settlement in XX/XX/XXXX that I was part of regarding XXXX  unlawful banking frivolous overcharges. I submitted the correct paperwork to be in the lawsuit that was finalized in XX/XX/XXXX. I called XXXX on XX/XX/XXXX and told them about the debt collection agency putting a wage garnishment on my check and they said they never sold the debt to Slovin and associates they said XXXX XXXX XXXX bought the debt and XXXX XXXX went out of business and slovin and associates probably bought it from them. Slovin and associates said they don't buy debt and they are collecting for XXXX. XXXX said my checking account was part of the settlement and slovin and associates should not be collecting for XXXX  since it was paid out in the settlement the balance should be XXXX for overdraft charges. I was part of the XXXX XXXX  dollar lawsuit in XX/XX/XXXX. I submitted my info to the XXXX web site inXX/XX/XXXX.
Product: Mortgage

My mortgage provider, United Wholesale Mortgage, is withholding way too much from me in my escrow account. I 've called and written complaints to them and they 've ignored me each time and/or given me the runaround. Over the telephone they 've said they will fix the issue and I call back and get the runaround each time. Meanwhile, I 'm forced to pay money into an escrow account that has FAR more money than necessary to pay the required expenses. My next step is to file a class action complaint for RESPA violations -- their customers ' escrow account payments should be an easy math equation and these guys apparently ca n't get it right!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX a balance of {$2300.00}. I never received a XXXX for that charge off. The amount has been charged off since XXXX, however it is still being reported on my consumer report without my permission. I disputed this through Experian in XX/XX/XXXX. They are currently still reporting that it is past due, although it has been charged off, which is ultimately affecting my consumer report negatively. I would like for this account to be deleted from all three consumer reporting agencies immediately as my rights have been violated. High balances for the accounts should be reported and it should be the same balance. Three different balances are being reported through the three major bureaus. This is another violation, and means for this account to be deleted from all three major consumer reporting agencies. 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ), the IRS states XXXX are to be reported as income, and income can not be reported onto a consumer report. 

According to 15 U.S.C 1681 ( 4 ) This information shouldn't even be on my consumer report because I never granted permission for it to be on my consumer report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate unverifiable accounts unresolved. The consumer Financial Protection Bureau has filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. these failures align with my experience. Experian has neither corrected or remove these.
Product: Checking or savings account

A letter from Chase bank was mailed on on XX/XX/2020 stating that they were going to debit accounts on XX/XX/2020 for " Govt. Stimulus Chase 30 Overdraft Assistance ''. I did not pay much attention to the letter as I had a negative balance on my account due to my unemployment and when the stimulus check was deposited the bank took out their over draft fee ( A service I never requested or signed for as I had a debit account and told the banker that I was not interested in overdraft insurance, that I wanted the account to function as a debit only and pay out if the funds were not in the account ). 

On XX/XX/2020, the balance ( XXXX ) in my account was taken by the bank around XXXX XXXX, and I was left with a overdraft of XXXX XXXX  XXXXThere was no need for this, I did not authorize this. Yes, the balance was small because I am unemployed and had been living solely on the stimulus check. That {$16.00} was going to pay for laundry. Because that did this. The money in my savings can not be transferred to my checking/debit account because they will take it and I have a small amount of money left. 

I tried calling them, but was unable to get through the lines as there was no customer service available, I kept going into a loop. Tried 3 different numbers. My daughter somehow was able to get through and was she was told was there was nothing that could be done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstmark Services is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. As a financial institution, as defined under the Gramm Leach Bliley Act, Firstmark Services failed to perform their obligation to respect and protect my privacy. Firstmark Services failed to provide me an adequate opt out notice and Ive NEVER granted Firstmark Services any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Firstmark Services actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Firstmark Services breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Firstmark Services to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Firstmark Services is required to comply with this opt out notice upon receipt and comply with the follow
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 3 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Dear SANTANDER CONSUMER USA ; Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
2. Legal basis for the collection of this debt. 
3. Proof of your authorization to operate in my state. 
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit card or prepaid card

On XX/XX/2021 I transferred a balance from BBVA/PNC credit card to my XXXX  XXXX credit card for a better APR. I called XXXX  XXXX and they confirmed the balance was transferred XXXX XXXX. BBVA/PNC continued to show the balance as over {$6000.00}. I called and spoke to several different representatives and they said no balance transfer had occurred and that I should make the payment, I did not. Both credit cards showed this balance and due to the fact that BBVA was transitioning over to PNC Bank I waited for them to update the information. I began receiving bill collection calls but BBVA/PNC had already told me that during this transition there would be no hit to my credit score. I finally spoke to an escalation representative for PNC on XXXX XXXX who told me I needed to prove this balance transfer with the canceled check from XXXX  XXXX, this was the first time a rep requested this. I checked with XXXX XXXX and BBVA/PNC Bank had only just returned the check on XXXX XXXX, they held onto it for XXXX months. Now my credit score has gone crazy it had dropped XXXX points but now it looks like its dropped well over XXXX!
Product: Mortgage

Shellpoint Mortgage sent me a threatening letter that they would put forced place condo insurance on my home. I called them and supplied documentation showing that my home is not a condo. It is a single-family home. They documented the call and told me that they would resolve the issue and even sent me a confirmation email, a few weeks later I received another letter. I called again and was told I see your documentation here and we will get this fixed right away, another letter came, another call, another promise to fix. I said if this is not fixed after multiple calls and documentation provided to you, I will have to file a CFPB complaint, today I received a letter that the forced place insurance has officially been added to my mortgage. I live in a single family home with no homeowners association, so would not be able to obtain HOA insurance. This is unacceptable.