23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized hard inquires on my transunion credit report, these inquires are fraudulent and do not belong on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Foursight 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
Product: Credit card or prepaid card

I signed up for the Citi/AAdvantage credit card in XXXX  and used the card number provided.  I received a paper bill/statement in the mail early to mid XXXX  and paid bill on time.  I received the actual credit card in the mail mid XXXX  which I activated online on XX/XX/XXXX.  At this point the Citibank online website activates your card but automatically toggles the paperless billing option.  I did not want paperless billing & toggled the paper billing option. After completing the online activation I received an email from Citi/AAdvantage that states "Welcome to Citi Online.  Now it is easy to take advantage of all the great benefits of Citi Online, like paperless billing management, alerts, online bill pay etc."  After reading this I was confident I had correctly selected the option to continue receiving paper bills. The next billing cycle comes and goes and I do not receive a paper bill but have received an email stating my payment is past due. Besides an email stating that my statement was available online I received no other emails or warnings until the past due email for which I had already been charged a $XXXX  fee.  I called the Citi bank number on the back of the card and informed them of the situation.  They insisted that I checked the paperless billing option.  I did not.  I spoke to customer service & after they could not rectify the situation asked to speak to a manager who was also unwilling to rectify the situation & waive the $XXXX late fee. This fee was deceptively charged in the first place do to their faulty toggle options on the billings option page of their online credit card activation process.  I fear this is happening to many thousands of consumers & Citi is collecting an exorbitant amount in late fees due to this deceptive process and they should be researched.
Product: Debt collection

I am writing to file a formal complaint against Diversified Recovery Bureau, LLC regarding their debt collection practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I received an email from Diversified Recovery Bureau, LLC, alleging that I owed a balance of {$3500.00} to XXXX. I immediately contacted them to dispute the debt and requested validation of the alleged debt. Subsequently, on XX/XX/year>, I sent a certified letter to their address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York, ZIP Code XXXX, requesting validation of the debt in accordance with the FDCPA. 

The certified letter was delivered on XX/XX/year>, as confirmed by the tracking information provided by the postal service. Additionally, it is concerning to note that the tracking information for the certified letter indicates that it was picked up in XXXX, New York, despite being addressed to their XXXX XXXX location. This discrepancy raises questions about the handling of correspondence by Diversified Recovery Bureau , LLC, and further highlights their lack of compliance with legal requirements.

However, I did not receive any response from Diversified Recovery Bureau, LLC within the 30-day validation period mandated by the FDCPA. 

Despite this, on XX/XX/year>, I received another email from Diversified Recovery Bureau , LLC, continuing their efforts to collect the alleged debt without providing the requested validation.

I believe that Diversified Recovery Bureau, LLC has violated the FDCPA by : 1. Failing to provide validation of the debt within the required timeframe.

2. Continuing to attempt debt collection activities without providing validation of the debt.

3. Ignoring my cease and desist request, which prohibits further communication until validation is provided.

I have attached copies of the initial email from Diversified Recovery Bureau , LLC, the certified letter sent for debt validation, and proof of delivery for your reference. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Diversified Recovery Bureau , LLC for their violations of the FDCPA.

I also request proof of the original contract bearing my signature, a detailed breakdown of all fees and interest accumulated, the open date and end date of the account, and proof of ownership of the account, including information about the current creditor and owner of the account. '' Additionally, I request relief in the form of penalties and restitution for the harm caused by their unlawful debt collection practices. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint.
Product: Student loan

On XX/XX/20, I checked into my payment statuses for past payments and noticed that the application of my payments was being applied incorrectly. I currently have 6 outstanding loans ( all Stafford loans ), that are serviced through Great Lakes Educational Loan Services and upon payment, more than just the interest is being paid on each, even though the information provided on the website states that excess amounts over interest will be applied to the principal of the loan with the highest interest rate. Upon calling one of their  representatives, they confirmed that the information on their site is the appropriate way of applying the loans. As such, I believe that they are committing deceptive practices that is causing individuals, including myself, to pay more overall on their loans. Through this practice, it means that my effective interest rate is not being driven down through the pay down of my higher interest rates, but is instead, remaining stagnant and netting them more profit on my loans. Although I have caught this practice and can alter the payment allocation to the correct, and stated way, this is an act that could have costs me hundreds of dollars, and for some individuals, may cost others thousands over the life of their loans. My concerns were corroborated by searching for similar issues with them, and I found countless.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporter act XXXX  account 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. 1861 SECTION 604 A SECTION 2 I ALSO STSTE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

After completing the modification program with ocwen from XXXX to XXXX and continuing to make monthly payments to the present day, ranging from {$1100.00} thru {$1000.00}. Ocwen attempted to foreclose on our property during this process by hiring the XXXX XXXX in NY. The Ombudsman officer at Ocwen sent us a letter in XX/XX/XXXX admitting fault on behalf of his company. While we continue to make our monthly mortgage payment, Ocwen has added a {$3000.00} legal fee to the monthly mortgage statement, and disguised it as a late payment. On top of this, Ocwen has added over {$50000.00} of other fees to our statement principle during this modification process. They can not produce the original note trail or title, to this property. They have also engaged in double tracking. They have also connected us to over sea 's operators in XXXX after we have requested on several occasions for them not to do so.
Product: Student loan

XX/XX/2019 - Contacted company to see what originally was taken out for my loans and if I could get verification due to the numbers not looking accurate. Customer service rep seemed confused and didn't assist with me pulling up my account. 
XX/XX/2019 - Contacted company inquiring about different payment options available for my loans because the amount they have suggested is not realistic. Company did not assist and just continued to read off of script.
Product: Mortgage

On XX/XX/XXXX. I contacted amerisave mortgage. I spoke with a XXXX XXXX. I was told a wonderful story. As they say all calls are recorded. I just lost 2 bids on 2 other house over cash offers. I was shopping around different mortgage companies. The part I m upset with. I was told I had to right now pay the XXXX. It was not only to get me a fha loan but to also get me a certified pre-qualified letter. If I didn't send the money now I wouldn't be eligible for an fha loan. Don't lie. I did contact the company v email. And I did post what happend on XXXX  XXXX. I was contacted by the company and never heard form then again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be  permanently removed from my credit report. 

I contacted transunion and they would not help me in this matter. Please assist in this matter.
Product: Credit card

My account was unjustifiably closed by form letter. I am concerned that this will negatively effect my credit rating.
Product: Credit card or prepaid card

There was a purchase on my card where the merchandise was not received through XXXX and was not credited to my card. I disputed it with my credit card company and they reversed it and placed it back on my card.
Product: Debt collection

Bought car from car dealer in XXXX. Car was totalled in one month. Insurance paid everything. And car dealer also sent them money from my service contract XXXX. So they received over XXXX dollars they accepted money from insurance and told insurance agent car paid in. Full. Santander the car loan ppl has now so nth it to XXXX different collection agencies. XXXX and also XXXX in which XXXX wants XXXX. And do n't XXXX was XXXX. They keep renewing it every month. I DO HAVE ALL INSURANCE PAPERWORK WHERE ThEY PAID IN FULL ALONG WITH COPY OF SERVICE CONTRACT WHERE THEY GOT Money XXXX that was supposed to come to me. This car was paid offXXXX XXXX and they keep renewing it every month on my credit report
Product: Checking or savings account

In 2015 I supposedly opened a joint checking account using my power of attorney for my step father and myself. Now Im bring told Im not on the account. I was told during annual reviews I was on the account for at least 6 years. No mention if I should have a beneficiary added. Using my power of attorney in conjunction with a letter from a doctor stating my step father was mentally incompetent to handle his financial affairs i thought I set up a joint checking account. This was done to prevent scamming on Wells Fargos advice. I could of named anyone to the account and named anyone beneficiary. Legally. This account was set up during the time period Wells Fargo was convicted of problems with setting up accounts. Either an inexperienced or untrained banker set up this account. I didnt know it at the time. The bank needs to correct whatever paper work they screwed up so I can close the account and withdraw the small amount of funds.

This has been the most unprofessional experience I have ever had in my life. I trusted wells fargo to help me and got screwed. 
The bank needs to correct their accounting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Equifax has discriminated me and continues to mishandle my credit file. I have requested a call back from a Manger of the office of consumer affairs for over a year now regarding the mishandling and treatment of my credit file. Every agent I spoke to say they are the highest point of escluation however they will send and internal message to management. 

Equifax has restricted my simple ability to dispute inaccuracies online which is afforded to every consumer and has now restricted my ability to dispute inaccurate information via phone. I've been hung up on and talked to rudely and not given service from Equifax 's agents in general customer service and the office of consumer affair 's. 

What should be a simple dispute online or phone now takes hours to get one person on the phone. The mishandling of my credit has caused a tremendous amount of stress and strain on my family and has financially impacted us as a result of Equifax 's continued negligence. 

The only reason I've dealt with fraud in the recent years comes from Equifax data breech of my personal information being compromised and as a result Equifax has punished and discriminated me for it's mistake.
Product: Credit card

I have a credit card with Chase. I believe their interest rate charging practices are unfair and deceptive. I had a statement balance of {$1300.00} with a due date of XXXX/XXXX/15. I made an online payment of {$1000.00} on XXXX/XXXX/15. I could not make a XXXX payment of {$310.00} until the next day because their online system only permits XXXX payment per day. I was charged interest of 12.24 % on a balance of {$1300.00} when only {$310.00} was XXXX day late. I was told by their unhelpful representatives that the interest is charged on not the balance overdue but also charges incurred during the cycle that have not yet come due. I believe this is unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my XXXX  credit report that I did not authorized XX/XX/2019 Ally Financial, I did not authorize this inquiry. 

XX/XX/2019 XXXX XXXX XXXX  XXXX, I did not authorize this inquiry XX/XX/2019 XXXX, I did not authorize this inquiry
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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 in ( MONTHS REPORTING LATE ) 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.

TRANSUNION 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 XXXX WHATS A FAIR RESOLUTION update the { MONTHS REPORTED LATE } late payment to paid as agreed
Product: Vehicle loan or lease

On XX/XX/2022 my vehicle was stolen from my home in XXXX Arizona. I have cameras so I noticed it was a tow truck and when I contacted the tow truck company, they said my vehicle was repossessed from a company called XXXX XXXX XXXX XXXX, XXXX based in XXXX, Arizona. I told my father about the incident, and he told me that he took out a title loan on the vehicle because his name was ALSO on the title. My father never told me about this loan. I contacted the manager at XXXX XXXX loan to demand my car back because I never authorized my father to take out the title loan. The manager said there was nothing they could do because the contract says " only 1 person on the title has to sign off on the loan '' so they would not provide me with a copy of the contract and will not return the car to me. At the time my father took out the loan, I was only XXXX XXXX XXXX. I am asking for assistance in having my car returned to me.
Product: Credit card or prepaid card

On my Amazon store credit card account Synchrony Bank imposed a charge of {$94.00} as of XX/XX/2020 that is not mine and that also has a vague cutoff description - " XXXX XXXX ''. I have no idea to what it refers. Some similar amount appeared before on a card ending XXXX that used to be mine but that was compromised. I disputed the charges initiated by somebody else. The charges were refunded. I blocked the compromises card issued by Synchrony bank with {$0.00} balance. I also claimed to block the merchant to which my money went, without authorization. 
It's illegal to put charges with unclear description such as " XXXX XXXX '' on my name 1 ) from the card that was compromised, 2 ) to a merchant that was supposed to be blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that such inquiries would be soft inquiries not hard inquiries. However, my credit report shows otherwise. 

Inquiry : Equifax Mortgage SerDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXXXXX XXXXDate of Inquiry : XXXX
Product: Mortgage

Sold my home and never notified me. The buyer never contacted me. Now he is trying to sell my home again
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 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 XXXX XXXX financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I acquired a mortgage in XX/XX/2021 which was immediately sold to Amerihome Mortgage company. I sent a payment for the first payment on XX/XX/XXXX through XXXX XXXX online banking. XXXX XXXX shows the electronic transfer and has submitted proof of payment to Amerihome. Amerihome still will not credit my account with the three payments made to date as of XX/XX/2021, Instead they show only XXXX of the three payments. I am sure we can get this worked out if we can ever get Amerihome on the phone .... but the customer service with this company is the absolute worst I have ever seen.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00}
Product: Money transfer, virtual currency, or money service

I purchased some medical goods from a seller through PayPal and I was told by the seller that there was some problems with the funds I sent so I contacted PayPal for the transaction receipt and PayPal confirmed that the transaction was successful but the seller insisted that there was still problems so I reached out to PayPal to have them cancel the transaction but Im not able to have the transaction canceled since the seller already received the funds. I am being lied to by the seller and Id like my {$200.00} back please. 

This all happened on XX/XX/year>
Product: Mortgage

I applied for the Illinois Housing Assistance Fund in XX/XX/XXXX, I was approved in XX/XX/XXXX. The ILHAF requested my mortgage accounts due on my account XX/XX/XXXX and Rightpath Servicing will not provide it to them. I have called 5 or more times since XX/XX/XXXX and was originally told by several representatives that they are talking to ILHAF and that it was being taken care of. This Tuesday I received a letter from Rightpath stating that they referred my account to foreclose. I also received a letter from a lawyer who Rightpath hired to collect my mortgage payments. I called twice XX/XX/XXXX to ask why my account details have not been sent to ILHAF, I have still not received any answer from them. I believe the company is trying to start foreclosure on my house because they will not provide my account details to the Illinois Housing Assistance Fund so they can receive payment on my mortgage.
Product: Debt collection

Reached out to company never resolved problems was disconnected and never reconnected with management like i asked. 
I had insurance that covered this visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my chapter XXXX Bankruptcy discharged. Most of my collections accounts dropped off completely from my XXXX report. However, with Equifax, they kept collections account information on my report and are reporting this as " open '', when in fact these three accounts were included in my Bankruptcy.. ( XXXX XXXX, XXXX XXXX ). 
Equifax has also allowed two of the creditors that were listed in my Bankruptcy and ( might I add these accounts were fully discharged ), to re-report the SAME information, causing my credit score to drop 43 points!! Equifax has no option on their websites dispute page to dispute the credit score. The creditors that were allowed to re-report the same information were XXXX XXXX/XXXX, this particular account was paid in full PRIOR to the Bankruptcy and no balance due, I only had to report it since I had an open account as well as other accounts with XXXX that did have a balance. The other account was with XXXX XXXX XXXX, according to Equifax, both of these companies re-reported that I had included them in my Bankruptcy that was discharged on XX/XX/2017. This information is totally inaccurate as this has already been reported at the time of my discharge and should not have had any bearing on my credit score since it had already taken a hit.