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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been noncompliant and has failed to comply since XX/XX/XXXX, XX/XX/XXXX. They have received each letter and have chosen to disobey the law and not respond in 3 months.By law they're suppose to respond in time, which they haven't and the items I disputed need to be DELETED ASAP. Experian you have had more than enough time and I don't want any generic response or that you will investigate in " 60 DAYS ''. You no longer have that privilege nor right since you have violated mines. PLEASE REMOVE AND DELETE EACH ACCOUNT I HAVE DISPUTED .Under federal law, you had thirty ( 30 ) days to complete your investigation. I WILL BE GOING TO THE XXXX  AND FILING A LAWSUIT IF THIS ISN'T CORRECTED ASAP. I'M SICK OF IT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

collection still remaing on credit reports..XXXX XXXX explained they sent the removal letter to all XXXX credit beareus.experian still has it remaining on my credit report
Product: Vehicle loan or lease

I have been paying on my loan with Consumer Portfolio Service for 4 years ( since XXXX  ). 
I have paid over XXXX dollars on a {$17000.00} loan and my balance is still {$13000.00}. 
My payments that I am able to make are not going to principle, even though they claimed they were. 
My payments are {$440.00} ( not including the fee to pay online ) Now with the issues that are going on in the country and hours being cut back, they are threatening to repossess the vehicle and charging of the account. 
The company will not make feasible arrangements to fix account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX XXXX I was a victim of XXXX XXXX XXXX XXXX XXXX The accounts open with Capital One Auto Finance and XXXX XXXX XXXX XXXX was not open by me and is fraudulent also enclosed is a copy of a letter from XXXX XXXX XXXX Attorney XXXX XXXX verifying that these accounts are fraud and was not open by me case Number XXXX I demand these accounts be removed from my credit file within 7 business days as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Toyota Finacial Services They are projecting in accurate information on credit report as I attempted many time to negotiate our deal as I was impacted by covit19. Creditor did not considered my situation and proceeded to repo
Product: Mortgage

XX/XX/XXXX - Received a cancellation notice from my homeowners insurance company stating that my homeowners insurance was not paid and they had cancelled my policy. It was after hours so I had to wait until the next day to address it. 

XX/XX/XXXX - Called Roundpoint Mortgage ( RPM ), spent about 2 hours on hold, was then told that they never received the notice of payment due because they had changed their mailing address & fax number. I called my homeowners insurance company and they advised me that they had received a letter from roundpoint telling them to remove them as responsible for the escrow because the account was paid in full. ( i now have a copy of this letter available ). I was promised they would send the payment overnight. Insurance company explained to me that home would remain uncovered until they received payment. I went ahead & made the payment because I was told that it would be refunded to me. 

XX/XX/XXXX - I called insurance company to check and see if the payment had been received from RPM. 

On/around XX/XX/XXXX, the check was returned to roundpoint by the insurance company because the insurance had already been paid in full to me. I then asked roundpoint to refund the money to me, since they had concrete proof that I had made the payment they should have. they told me it would be taken care of. It's now more than a month later & i'm being told that they can not refund me because I'm not due for escrow reveiw until XXXX and that they think the difference would be less than {$20.00} a month ( which of course makes no sense since the amount owed is {$710.00} just from the insurance ). I also received an automated message telling me that they're in the process of transferring my loan when I tried to call in today about this, so then it seems an escrow review would be done in advance of that anyway. 

I have copies of multiple chats & dates/times of phone calls ( i don't have all them in front of me but I can get them together if needed )
Product: Credit reporting, credit repair services, or other personal consumer reports

company involve is expirian the are reporting wrong information on my credit report also after 2 month of my dispute the did not put the notice of dispute this is a violation of secction 623 of FCRA the account are the following XXXX XXXX XXXX account XXXX XXXX account XXXX
Product: Mortgage

The company is continuing to apply the additional principle paid to unapplied funds instead of applying the money to principle-thereby reducing my balance. I have requested this. I want it done. I feel they are discriminating against me because I had filed for bankruptcy. ADDITIONALLY they say they notified me that they are doing this. THIS IS NOT TRUE! I RECEIVED ONE NOTICE IN ALL THE MONTHS THEY HAVE BEEN DOING THIS. ONE. I have been paying extra principal for months. I do this twice a month. This company is lying through their teeth. If nothing else show me how to apply the money on line and I'll do it myself because they are too lazy to do it.
Product: Checking or savings account

I sent a XXXX payment of XXXX to a potential new landlord. He didnt sent the lease right after and kept hanging up on my when I tried calling him back. On the XXXX  day, I reached out and told him to refund my XXXX payment. I called pnc and told them I suspect fraud on this sender. They said they would investigate. I called them XXXX days later and they said since I willingly made the payment, its nothing they can do. I called the landlord and told him I filed a XXXX report and Im filing a claim in court. He then tried to send money on XXXX separate occasions. He sent XXXX. Each time Pnc rejected the payment. The first one I called pnc about it. They said he didnt sent it and hes probably canceling it. Then I went to the branch and the customer service rep said the same thing. She said I should meet him in person and get the money. He tried sending it again and pnc blocked it. The pnc customer service rep said it was being block on his end and to have him call his bank to unblock it. The third time he sent it and it was blocked, I called pnc again. They said since I file a complaint against him the first time, they permanently blocked him. I called and told him this and he said I need to get him unlocked. Pnc never did and I never received my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score dropped significantly due to unpaid debt to a XXXX  credit card. The XXXX Credit card debt was true, but I want to explain why I made the mistake. 
I opened the XXXX store card when I bought XXXX clothing valued {$28.00} on XX/XX/XXXX. After four days, I returned all theclothing to the same storeon XX/XX/XXXX. The cashier refund {$28.00} to a cash card, not to the original payment method as others do usually ( see attachment 1 ). So it give me the wrong impression that I don't owe any amount on this card. In addition, XXXX/XXXX had a wrong address on my profile. XXXX XXXX showedmy original address isXXXX XXXX XXXX XXXX, XXXX , IL XXXX ( see the attachment 2 ). Its a wrong because it has no APT number.I provided the right address with APT number when I opened the credit card. 
The consequence of a wrong address is that I have never received the XXXX credit card or monthly statements. I didn't know the unpaid debt until XX/XX/XXXX, when I received a letter from XXXX XXXX notifying me that I need to pay a debt of $ XXXX.Because I was abroad at that time, it was difficult for me to figure out what's going on. All I can do then was to payback the moneyto XXXX XXXX as soon as possible. 
I don't have any intentionto not pay off the debt, it's just {$28.00}. I am new to the country. So I am not familiar with the system, which is why I made the mistakes. However, the wrong information on the bank system also partially caused my account to go to delinquent. None of this would happen if I had received those monthly statements. Can you please recover my credit score partly since I am not the only one who should be blamed for? 
BTW, the phone number on the credit report is also wrong.The correct number is ( XXXX ) XXXX, not ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2018, I sent this credit repository a letter via fax requesting the XXXX XXXX   account ref # XXXX to be removed and blocked from my credit report pursuant to FCRA 605B. Pursuant to FCRA 605B a reported fraudulent account MUST be removed from a consumer 's credit report within 4 business days. Attached to this complaint is a copy of my Police Report and FTC ID theft report and copy of the letter faxed to this credit bureau.
Product: Debt collection

NOTICE FOR REQUEST OF INFORMATION AND & NOTICE TO CEASE AND DESIST INTENT TO SUE AND I WILL SUE AFFIANT/BENEFICIARY : XXXX XXXX XXXX XXXX WILLIAMS & FUDGE INCXXXX 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 WILLIAMS & FUDGE INCXXXX DEBT COLLECTOR STOP VIOLATING THE FDCPA USC 1692D EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING WOMAN I DIDNT GIVE CONSENT TO USE THIS NAME IN COMMERCE. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL WHICH I ONLY RECOGNIZED COMMON LAW.

EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. FOR TREBLE DAMAGES SINCERELY, XXXX XXXX XXXX XXXX Living Woman UCC1-308 WITHOUT PREJUDICE BENEFICARY OF XXXX XXXX XXXX XXXX XXXX NOT XXXX TRUSTEE
Product: Checking or savings account

Last night, XX/XX/XXXX, I checked my Bank of America checking account on-line, and saw that while it was low, it was not overdrawn. No overdrafts showed, and I saw that my XXXX XXXX XXXX payment was paid and cleared. So, I went to sleep peacefully, knowing that my paycheck was scheduled to hit tomorrow morning, and knowing that no matter what else might hit my account would easily be covered. 
But when I checked my account again on-line this morning, about XXXX XXXX, I saw that yes, my paycheck hit, and more bills were paid and cleared, but, why was there a {$35.00} overdraft fee launched by Bank of America? I saw no negative amounts on the BOA ledger provided for sight on-line. So, I thought I could easily get the {$35.00} refunded to my account, if I just called the bank about XXXX XXXX. and asked for BOA to remove it. I was wrong. I got a long wait time, and finally, agreed to the robot 's suggestion that I press a number and have myself called back by Bank of America. Two hours later, I got the return call, and waited for yet more minutes before a customer service rep. came on the phone line. She recommended that I use blah-blah app to avoid additional fees. I told her it always has been sufficient for me to just regularly check my account activity on-line, with my laptop. She said she tried to remove the fee, but the system would not let her. I told her I needed to speak to a manager, and she resisted, until I just kept insisting that I needed a manager. Then she placed me on hold for a few moments, and returned to say her manager was still tied up with someone else, so the manager would call me back. The manager called back hours later, about XXXX XXXX, as was driving. So I placed my cell phone on speaker, and heard the manager repeat that she, too, could not remove the fee, since other activity had hit my account - activity that I did not see at all - STILL ca n't see at all - in the on-line BOA checking account register for me. I told the manager I wanted a formal dispute filed against BOA, and she said okay. But I doubt that formal dispute was filed, since I see no record of that. I also STILL see no written record of any activity coming through to BOA after XXXX XXXX, XX/XX/XXXX, when I last checked the on-line ledger. Had I seen the some 11-something the clerks claimed left my account in negative condition, I would have run to an ATM last night, and deposited {$12.00}! Of course, that would have made more sense than now paying {$35.00} to BOA. I am not letting my dispute rest because it really boils down to robbery! BOA just stole {$35.00} from my account, with no, written justification for doing that. And I have not had anyone at BOA acknowledge what I STILL see, no overdraft mentions nor negative balances - just regular, positive balances, and a {$35.00} fee that BOA conveniently levied, AFTER showing a positive {$68.00} and change. The {$35.00} is shown to have hit after the $ 68-something balance, and BOA then put my paycheck into my account. Where was the justification for stealing my money, with the {$35.00} " overdraft '' fee?
Product: Checking or savings account

On XXXX XXXX I went to the XXXX Bank Atm to deposit money {$1100.00} cash ( XXXX XXXX XXXX ) I have deposit plenty of times my credit union is Navy Federal. The Atm was process my money and then froze told me unexpected error occur please contact your bank a gave me a slip with date of transaction didn't show the amount or anything. I contact bank right then an there. They stated they would help figure out what happen. I went to the XXXX XXXX XXXX spoke to the manager ( XXXX ) the next day at XXXX XXXX in the morning she contacted the back office and took my information stated that it's possibly that it went to reject bucket because of the amount it happens all the time she says. SO I waited a couples days to see what they would do. I got this email stating I would get a temporary credit while they investigate. So no credit ever came after 2 days, called My bank they told me. Sorry the Atm balanced. I ask them could yall please pull the cameras they say no there was no reason too. I went to XXXX XXXX  again spoke to the manager same day this was Thursday of the same week. She called the dispute manager ( infront me in her office ) and she said Navy federal  never submitted a claim they have been waiting ( becausethere was other people same issue ). So I am so confused because they asked me what bills did I have like denomination I told them and heard the lady say yes this is her money on the phone ( this XXXX XXXX XXXX  ). I called Navy federal again they told me to submit another claim. I just been try get my money back someone to pull the cameras. Just back and forth.
Product: Consumer Loan

My wife and I have a joint auto loan with Santander. They have placed late payment notices on our credit reports and payments on the loan were made on time. We have contacted Santander about the problem and have disputed the reports, but have gotten no satisfaction. We went as far as sending Santander bank receipts of the on time payments but they refuse to correct the problem.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Blitt and Gains did not send notification to dispute dept also the dept in question is older than 8 years so the sod is up but it does not say they can not sue on the letter which is misleading. This dept was also re aged by different creditor to the year XX/XX/2017. My last 4 digits of my social security are XXXX I was not able to put them in on my mobile phone in the car next step.
Product: Credit card or prepaid card

I have called Capital One several times since XX/XX/XXXX. I have experienced hardships over the past few years. First, my mom passed away. Then, my dad lost our family home. I also was forced to move abruptly at the beginning of the pandemic, and that caused my monthly expenses to rise significantly. I reached out to Capital One initially to reduce my interest rate because I knew I was going to have a difficult time making the payments. I was told back then that nothing could be done to help me. Later, on XX/XX/XXXX, I called in to inquire about reducing my monthly payments and getting on a plan to pay off the money that I owe. I spoke with four different representatives and all of the calls disconnected or were dropped. I also spoke with two other credit card companies on that same day was able to get on a 5-year payment plan, and I have been doing well. However, Capital One refuses to lower my interest rate or lower my monthly payments. On XX/XX/XXXX, I again called Capital One. I spoke with XXXX and XXXX who said they were collection representatives. XXXX serves as the collections manager. She went through the questions and said the system would not provide any plans to reduce my monthly payments or interest rates. XXXX stated that she did not know the criteria the system used to determine my eligibility with the programs they offer other bank customers. I want to reiterate that two other credit card companies have worked with me in the last few months, and Capital One is not working with me.
Product: Debt collection

Lvnv funding llc is reporting two accounts XXXX and XXXX to XXXX as collections accounts. Via 15 usc 1692 c ( b ) who ever the debt is owed is not allowed to communicate with third party in connection with collections of any debt. The debt holders sold my information to lvnv funding llc after several disputes and no evidence of agreement or consent for either account. Lvnv have placed these accounts on my credit file as closed. In Good Faith Lvnv needs to review all disputes and remove the close collection and stop it from tarnishing my credit score.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00} XXXX  Account number : XXXX Balance : {$360.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I called PFCU around XXXX on the XXXX of XXXX, I went through the process of setting up a wire transfer to XXXX XXXX I did and answered all that was asked of me, 2 hours later i get an email from PFCU to call, but no explanation. Given the history of failures by PFCU I figured it was in regards to the wire. After several minutes I get a lady who says they needed more info to process the wire that was promised to be sent out today. She asks me verification questions that did not work and were not correct. I was told the wire of a significant amount would not go today. I was told someone in management could call me back within the next few hours. I told her I needed to speak to someone right away, finally XXXX got on the phone after another several minutes and then after explaining to him told me to wait another several minutes. As of the time of this complaint still no resolution. This is a total failure of service and seemingly an attempt to stop me from moving my money. Note- they also sent me a letter about an account I have with someone else 's last name on the letter, but with my account information. As you can see in past complaints PFCU has fallen apart and lacks competency as a financial institution. Im not sure what else regulators need to see to look into this. The President should resign as quickly as the head of secret service did. Please publish this and warn others of the toxic situation at PFCU.