23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved for a VA loan and bought my house in XX/XX/year>. Since then, my VA loan has been moved around 3 times. Not only does this lower credit score as my credit history is being shortened without my consent, but it has made building a rapport with my mortgage company impossible. My VA loan is currently managed by Newrez LLC - XXXX, Texas according to my end of year statement and my monthly statement. Since the day my account was originally purchased by them, I do not have online access to my account. I can login but I can not make payments, change any information, access any documents. I login and any link that I click on kicks back an error. I should be able to click on Account Details to bring me to a Dashboard for all the options to service my loan. I have never once been able to access the dashboard. I have emailed IT, called IT, escalated the situation within the company, contacted BBB and repeatedly get the same response. They keep saying the problem is on my end. XXXX. I have tried from multiple devices ie : phone, desktops, laptops, tablets and on multiple networks ie : data, wired, wifi and public access. XXXX. I have found several complaints from other people indicating the same exact problem. As a XXXX XXXX XXXX that earned this loan by deploying to combat for my country, this situation has me devastated. I am offended, sad, and disgusted at this point in time. I don't know where else to turn with this issue. These people have been completely unhelpful, unprofessional and have shown no interest in correcting this issue as it has been this way since day one ( I can't even tell you an exact date as to how long I have been dealing with this because I can not access this information on my account ). Upon receipt of XXXX transcript from XXXX, it indicated if the issue still wasn't resolved to call back. She never answered my calls or called me back again.
Product: Debt collection

Dear Consumer Finance Administrator, I would like to file a grievance with XXXX XXXX XXXX at XXXX ( XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ) for filing a collection for {$81.00} with Transworld System Inc. I contacted their office on XX/XX/XXXX and was advised that this collection was for cleaning and exam done for XXXX XXXX on XX/XX/XXXX. Upon checking with XXXX XXXX, it showed that XXXX XXXX paid {$61.00} for cleaning. This is disturbing to me because payment was issued by my insurance and I always have their office administrator XXXX check to make sure that insurance will cover our service before coming in. When they advised me of a balance due, I told them we can apply the {$100.00} coupon that was given to me for any balances not paid. They advised that the coupon can only apply on day of service which is not right because they should have advised me to apply it on day of service because there would be balance due. And neither of these things were done. Now XXXX XXXX wants to collect on this service for XXXX XXXX on XX/XX/XXXX for {$81.00}. I would like for XXXX XXXX to remove this collection for {$81.00} from my credit report ( the statue of limitation in CA is 4yrs ), honor his coupon for the exam charges and adjust the balance owing as XXXX XXXX did pay {$61.00} for cleaning. Attached are XXXX XXXX payment to XXXX XXXX and XXXX coupon for a {$100.00} discount. If you have questions, please call me at ( XXXX ) XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX  was reporting an open date of XX/XX/XXXX however Equifax was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Mortgage

I have been battling my mortgage company ( XXXX XXXX ) for almost two years now. Last year they assessed fees on my account for what they claimed to be related to them having contractors perform maintenance on the residence. We were in the process on doing construction on the property when they came out and changed the locks. One day we came home and actually found people in the home who claimed to have been sent by the mortgage company. We called the police and filed a report and the men in the home were ordered to leave. Afterwards we called the mortgage company to find out exactly what was going on and they thought the home was vacant and that we needed to provide utility bills to show that we were still living in the residence ( which we did ). Shortly afterwards we starting noticing that our monthly statement included misc fees that no one could explain to us. I called several times and spoke to several people over several months, but never got any resolution. The mortgage company claimed that the fees were from their contractors coming out and doing repairs to the property and maintenance. This was a totally fabricated story because we paid to have repairs done to the property and lawn maintained ( which can be proven with receipts from the service providers ). As of today 's date they are threatening foreclosure, not due to the fact that we haven't paid but because of their wrongful fees that they've assessed to the account. I would like to keep the home that I've owned for over 10 years now and need some help fighting this company.
Product: Checking or savings account

Apple Bank suddenly decided to close their branches, claiming due to covid, while other banks remain open, depriving me of access to my banking services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/XXXX, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/XXXX to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.
Product: Vehicle loan or lease

on XX/XX/XXXX I sent a letter to global lending services requesting a 1095-c for my car loan balance for {$12000.00}. The car was repossessed in XX/XX/XXXX. XXXX, I still have not received correspondence back from the company in reference to the 1095-c. If the debt was written off my acct must be updated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX  XXXX, XXXX XXXX : # XXXX  XXXX, XXXX XXXX : # XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. One of the times this happened was in XXXX  for over {$2000.00} in Zelle through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX and Experian & XXXX on XX/XX/2018 & XX/XX/2018 concerning a XXXX  Account that was on my profile. I also sent a letter to XXXX asking them for a copy of this account that was on file from my credit report. I received the copy of said contract but what is on my file and what is on my credit report are 2 different things. The contract XXXX  sent me was Acct number XXXX which is correct, .Experian shows on my credit report Acct # XXXX and XXXX  shows Acct # XXXX which are 2 completely different numbers. I asked them both times when I wrote to them to provide me proof and each time they have not. I also went as far as providing them a copy of my contract and all I get back was varified. How can something be varified if I have the proof in hand???? As I close XXXX  has it marked as bad debt but nothing under payment history.
Product: Credit card

I contacted Citibank regarding my Home Depot Credit Card. We have been using the credit line heavily during the renovation of our home. I noticed that the interest rate on the card was at 25.99 %, and the amount of interest I have been charged as of my XXXX, 2015 statement was over {$3000.00}!! I almost died! My Dad has a Home Depot credit card and his interest rate is only 17.99 %. I have always made payments on time to the account and do n't understand why the rate that I am being charged is so high. I called Customer Service to ask if my account could be reviewed and if my interest rate could be lowered. The agent told me that a lower rate was " not available ''. I mentioned the lower rate on my Dad 's Home Depot account and said it was a whole 8 % less than the rate on my account, so how can that be possible? She said that this is how the account was opened and there is nothing she could do about it. I had the account set to auto-pay the minimum amount every statement, but realized that the amount of interest being billed was the same or more - for example, on my last statement the minimum payment due was {$510.00}, but the interest charged was {$510.00}, so at this rate I would never be able to actually pay down any principle and would be just paying interest unless I increase the payment amount to actually try and reduce the outstanding balance. With the interest rate as high as it is, it is very difficult and I am a victim of being stuck paying interest through my nose!! Since the interest amount is eating up ALL of my monthly payment, I do n't know how I am going to catch up and actually reduce the balance on this card which is around {$19000.00} at the moment. I feel like this is price gouging and very unfair!
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Please remove these false accounts from my accounts immediately this is a violation of the law and proof has not been given to me that I requested showing I did make these inquires.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fair Debt Collection Practices Act ( FDCPA ) Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Medicredit for FDCPA Violations Dear FDCPA Compliance Office, I am writing to formally file a complaint against Medicredit, located at XXXX XXXX XXXX, MO, XXXX, with phone number XXXX XXXX, for several violations I experienced during a recent collection call. 

On XX/XX/XXXX, I received a call from an XXXX number, which began with a pre-recorded message. In the recent case XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ), the court held that the use of a pre-recorded greeting in an otherwise live call triggers XXXX ( b ) of the XXXX, regardless of whether an XXXX was used. This indicates a violation of my rights under the XXXX. 

When I returned the call and verified my personal information, XXXX, the representative, overshadowed my consumer rights by suggesting immediate payment within the validation period. This occurred even though I had not yet received the initial letter advising me of the debt. I informed XXXX that I was represented by an attorney and requested to speak to a supervisor. After spending XXXX minutes on the call, I was finally transferred only to be disconnected. 

Upon calling back, I spoke with XXXX XXXX, a supervisor, who disconnected the call after confirming my identity. On my second attempt, I encountered another representative, XXXX, who was extremely rude. When I asked to speak to the supervisor, XXXX claimed there were over XXXX employees and she did not know who the supervisor was. Despite this, I was informed that XXXX XXXX refused to address my concerns about the account and other questions, and I was told to send in my complaint. 

The issues I am highlighting are as follows : XXXX. Use of a pre-recorded message during a collection call. 
XXXX. Overshadowing my consumer rights by pressuring payment within the validation period. 
XXXX. Failure to provide an initial letter advising me of the debt. 
XXXX. Unprofessional and rude conduct by the representatives. 
XXXX. Use of an XXXX  in a blast campaign. 

Given these violations, I request a thorough investigation into Medicredit 's practices and confirmation that my rights as a consumer are protected. Additionally, I want assurance that no negative information related to this account will appear on my credit report. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX-I contacted Capital One bank regarding fraudulent charges from my checking account. I live in Maryland and someone had stolen my credit card number and had created a new card in California. They helped themselves to my checking account over the course of three years totaling over {$24000.00} in fraudulent charges. These purchases were made at the same 3-4 gas station three times a week in XXXX, CA, XXXX, CA, XXXX CA, and XXXX, CA. The amounts were ranging from $ XXXX {$74.00} per transaction. I contacted Capital One and disputed the charges.The agent XXXX, was able to pull my account and informed me that someone had created a new card with a different number that was linked to my account. Because there were so many transactions they referred me to their fraud department. I submitted 10 different claims with them totaling 440 transactions from my account. 

XX/XX/XXXX, XXXX I received 10 different letters from Capital one denying my claims stating " We finished looking into your claim and didn't find that any error had happened. '' I called Capital One back and requested to speak with the investigator. He then proceeded to tell me that back in XX/XX/XXXX I was issued a temporary card, and that the temporary card was what was used to make the fraudulent charges. In his explanation I was to be held responsible for the charges because the temporary card was issued to me. I explained to him that I live in Maryland and have not traveled to California, nor do I have any family members/friends that are in California. These charges were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am requesting a Security Freeze be placed on my Consumer Disclosure report. I opt out of you disclosing future information until further notice including the XXXX report and other reports furnished LexisNexis regarding all personal information of mine. This Security Freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift the restriction. Under the Fair Credit Report Act youre required to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous letters to Trans Union, XXXX and XXXX  over the course of 3 months with no response/no change.They are reporting inaccurate information on my credit file. Chapter XXXX which is still reporting over 10 years ( ref # XXXX credit file ) and Chapter XXXX which is still reporting ( ref # XXXX ) dismissed without prejudice on XX/XX/2018. Under the FCRA and federal trade commission law/statue these items should have been removed ( inaccurate ). XXXX XXXX ( ref amount {$1000.00} ) fraudulent account. I have submitted documentation from federal courts and letter from the company stating this account does not belong to the individual with no response or change from the all 3 credit  bureaus. The public records on my credit fille/report should have been removed after my letters and documentation. I have exhausted all resources that this time and am looking for help to correct this information/situation. I would greatly appreciated your help regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute because the collection item in question took place during COVID when I lost my job and had to go back to school. I was also on unemployment during this time. Experian allows disputes for this reason. Despite furnishing this information ( and unlawful practice by the collection agency ), Experian has refused for over 12 dispute cycles now to remove the item from my account, leaving me no choice but to pursue complaints with state attorney generals in both my state and the state in which the collection agency sits, naming Experian as a party to the complaint. Fortunately the FCRA has a fee-shifting provision because this has escalated to that level.