23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My dad under the emergency contact was called. I was told I was being looked for. That they needed location information on me. I thought at XXXX I was in legal trouble. It come to find out the XXXX Store contacted a collection agency called National Credit Adjusters at XXXX. I did not know military and their dependents are not allowed payday loans. That was not found out until a year after the payday loan. I was never asked the question if I were or not. I am not for sure of TX laws on that. As well I did not know a payday loan could send you to an collection agency. I was told could settle for {$470.00} I would have to start payments right away. That the company is not willing to wait any longer. I told the lady over the phone their not my XXXX priority to even pay I have other bills to pay that are more important right now. I did agree to XXXX every two weeks. I am starting to regret this agreement because I felt rush. At the time of the payments I was making only {$500.00} a month at my job. The total payday loan including interest was {$610.00}.
Product: Debt collection

I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. 

Below are the details of the fraudulent accounts : XXXX XXXXXXXX XXXX XXXX I believe that these accounts are a result of identity theft, as I have never applied for or authorized these credit accounts. To address this matter and protect my creditworthiness, I kindly request to take actions. I understand the importance of acting swiftly to rectify this situation and protect my financial reputation. I kindly request that you acknowledge receipt of this letter and provide a timeline for when I can expect updates regarding the progress of your investigation. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these fraudulent accounts as soon as possible. Thank you for your cooperation and support in this challenging situation.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with DIVERSIFIED ADJUSTMENT, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXXXXXX XXXX. I do not have a contract with this company. They did not provide me with the original contract or answer the debt validation request.
Product: Debt collection

We was in an XXXX accident in XXXX of 2016 in XXXX, Ohio. The man who XXXX cited for the accident and we went to court. We assumed this situation was done for and everyone was pretty much chalking up the damages to our car. We get notified from the XXXX when we tried to get tags on a new car and we were notified that the license was suspended due to the accident and that we owed the man almost XXXX dollars. We NEVER got any notification of this from last year to now. If we never went to the XXXX we would have never known. Every time I attempt to call these people to get more information they give me the run around or they just hang up on me.
Product: Mortgage

Mortgage company lost my first payment, harasses me with debt collector calls from automated attendant.
Product: Mortgage

My mortgage loan was sold to Carrington Mortgage Services LLC around XXXX or XX/XX/XXXX. On XX/XX/XXXX, an escrow disclosure statement was sent to us stating that there was a shortage of {$230.00} for XXXX. I paid this amount on top of our regular payment on XX/XX/XXXX. However, as of todays date, our escrow and monthly payment has not been recalculated. We have been paying the additional monthly escrow amounts that are included in the new monthly payment as if they escrow shortage was not paid. I called Carrington on XX/XX/XXXX, asking why our payment amounts were not reconciled and have not been notified since, and my amounts due have not changed. 

Also, as of XX/XX/XXXX, Carrington is now charging a {$5.00} convenience fee for making a payment online through their app or through their website for normal, timely ACH payments. I attempted to instead make a payment through their online automated phone system, and was notified that there is a {$10.00} fee for using that automated ACH system. On XX/XX/XXXX, after being notified of the fees, I spoke with an agent and was told that the fees are from Corporate and that my only options are to sign up for automated deduction to bypass any fees or set up bill pay through my bank, or send a check in the mail. When I tried to set up bill pay through my bank, my account number could not be found in Carringtons bill pay and I copied the number exactly. I was not notified of any fees for making a payment and do not understand why a fee would be charged for simply making a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Credit Karma suggested I applied for a XXXX XXXX Credit Card, through Credit Karma, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. As, of today the XXXX point issue was resolved. However, Credit Karma also stated if XXXX payoff one of the items showing on my credit report, my credit score would increased by XXXX points. So, I took their advise and paid off two of the items that was showing on my credit report, XXXX XXXX XXXX and XXXX XXXX XXXX. Upon speaking with both agencies they informed me they would report to the 3 credit bureaus of my payment. ( Please see attached previous complaint issue that was resolved, bank statements of payments, and Credit Karma solution to increase my score ) As of today, I have not seen this increase in my credit score to paying off the items Credit Karma suggested. Also, I've spoken with all agencies above but this issue has not been resolved.
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. 
Account name : AVA finance 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.

I have also requested proof of delinquency & have gotten no response while reaching out for my late payments to be adjusted and brought up to date. I have explained what happened multiple times.
Product: Credit card or prepaid card

We tried a week ago to activate this card and were told we had to send in a scanned copy of a Social Security card, driver 's license and proof of address. After three different pieces of mail were sent as proof of address ( including voter registration card ) they still would not activate the card. Also, the receipt for the gift card clearly indicates the value on the card is {$300.00} and the credit card company said there is only {$270.00} on it. Netspend is the name on the card and it says that it is issued by XXXX XXXX XXXX.
Product: Checking or savings account

i disputed a charge on XX/XX/XXXX for {$1800.00} The dispute was ruled in my favor My account got closed and I was supposed to get a checking account close out check On XX/XX/XXXX they reversed the check sent out and took the funds away I called for 6 hours. 4 reps told me the money was on the way to me and the claim was ruled in my favor and 4 reps told me the claim didnt rule in my favor. all within the same day. They were giving me the run around. Not providing the information I had asked. So I reached out to the merchant that I disputed the fraud charge with. They didnt have the money either. The money was disputed from them. However they never got it back either. I sent proof of this to capital one just asking for my money back since neither me or the original merchants have the funds. they never responded. I am in dire need of these funds and I keep getting the run around. I just want my funds back in my account like they were originally
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

JPMCB CARD SERVICE : XXXX / XXXXXXXX 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 JPMCB AUTO FINANCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.
Product: Mortgage

For the last couple of months, Citizens Bank has been sending us marketing mail materials and emails regarding the option of doing online banking. We do not do direct deposits or online banking due to our fluctuating income and financial situation. We send personal checks every month with the home mortgage statements Citizens send us every month. We have had this loan with this bank for almost 2 years. We never had a problem before, they always sent us the bills ahead of time, and we have never missed a payment. 
For the last 3-4 months they have been sending us the mortgage bills only a couple of days before the due date and the late fee begins ( the 15th of every month ). We feel harassed and threatened by Citizens by this tactic. This is very worrisome to us because we have perfect credit and we can't afford late fees ( {$87.00} ) of any kind. We always make our payments with personal checks to all of our providers without a problem ( electricity, gas, our apartment maintenance, cable, cell phone, homeowners insurance, etc.. ) All of the other providers ' bills arrive on time in our mailbox and all different providers cash them on time as well. We have never had ANY late fees of any kind with any company. 
This month of XX/XX/2022, our mortgage bill is due by XX/XX/XXXX. We just have not received the mortgage bill. We called on Friday, XX/XX/XXXX at XXXX am to complain, but we still have not received anything from them BUT we keep receiving emails and marketing materials thru regular mail from them about signing up on their direct deposit option. We feel harassed and threatened by Citizens by this tactic. We can't do online banking since our income fluctuates every month and sometimes we pay from separate accounts every month since we are XXXX workers, not XXXX. 
We are very worried, we can't afford any late fees. Our calls to them have been obviously ignored
Product: Credit card or prepaid card

I'm writing this complaint to inform the CFPB of an adverse action take against me a consumer. I've been a valued member of American Express for some years now and had no issues concerning my open end credit plan until now. I was 9 months pregnant and my due date was approaching and I had a family emergency. The primary purpose of this open end credit plan is primarily for personal family and household use. I needed to use my credit card to pay a unexpected bill that occurred because of my pregnancy and also to get some more things before my babygirl arrived. I was expecting any day. I tried to use my credit card and was shocked when the transaction denied because I double checked the balance to ensure I had the money available. I tried again and it didn't go through so this is when I became very alarmed. I was in the middle of an emergency and could rely on my open end credit plan at the moment I needed to most. The original limit on my open end credit plan was XXXX I then opened the app to my credit card account and see that American Express had decreased the limit to XXXX on my open end consumer credit plan without proper authorization or consent. I was shocked by this jus suddenly happening to me with no reason or explanation. I immediately felt sick, I was 9 months pregnant and hit with sudden financial injury. I spoke to several representatives who informed me that I had to pay them in order to get the limit I needed back. This is an Adverse Action and they are Guilty of taking 1 count of adverse action against me on XX/XX/2022. I am the beneficiary for the open end credit plan, American Express decreased the limit to my opened end credit plan but they have no authority to do. this was unauthorized use pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX OF Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX - XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, disputed errors on my credit reports from Equifax, XXXX, and XXXX. Despite providing details and an affidavit ( attached ), they failed to act. 

The credit bureaus ' inaction violates the FCRA. I request the CFPB investigate and instruct them to : Investigate each disputed item in the affidavit. 
Remove ALL inaccurate or unverifiable information. 
Notify me of the results within 21 days. 
Failure to act will prompt further action, including legal action or reporting the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be seen as yet another of what I hope are the near Millions of complaints over the breach with Equifax. If data of a customer is lost it is imperative for the company to inform those who are affected, as it is FAILURE ON THEIR PART. Furthermore they should be held to an ethical standard of dealing with their transgressions against the individuals affected. 

At this time I can not check on my status due to the fear that I would then loose my opportunity to defend myself if it becomes a legal matter. I will now be required to take time out of my personal schedule, to ensure that my privacy is safe, and the earnings of my labors are secure. 

For the sake of the many people affected. Hold Equifax responsible.
Product: Mortgage

A fuller explanation will be attached. In short, PHH Mortgage has denied our request that Private Mortgage Insurance ( PMI ) be removed from our mortgage. We appealed. They denied it again, stating that we do not meet their required Loan to Value requirement to remove the PMI. The appraisal they required as part of their process is incorrect, but they will not allow me to speak with anyone who will listen and understand the issue. We keep getting told that someone who makes these decisions will contact us to discuss this matter. No one EVER has called. Instead, we get an email that tells us they are reviewing the file ... and then they deny the request. The conversation never happens. Problem is they are completely ignoring the existence of and value of a second parcel of land that is financed by this mortgage we have on this property. The also ignore the existence and value of a significant sized outbuilding on property. They also ignore the estimated current market value of our property that they have posted on their own website. They also ignore what other reputable RE current market valuations say our property is worth. Lastly, the comparitor properties their appraisal used are not current, and are nowhere near the size of home or property as ours is.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Customer 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 Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I receive numerous calls from Navient ( for Sallie Mae loan ), the latest of which was today -- XX/XX/XXXX. I have NEVER had a student loan. A couple of years ago, I contacted them after they meade several calls to me and told them to remove my number -- I was not the person whom they were seeking. 

I have started to get the calls again, this time for a different person. I spoke with someone and they said they would fix it but they have or will not fix the problem. 

CallerID number : XXXX Number for contacting them : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXc. # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

This a complaint against PNC Mortgage for dual-tracking my mortgage. Stringing me along by dragging out Mortgage Modification while proceeding with a foreclosure sale date.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistakes as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : BXXXX XXXX XXXX
Product: Mortgage

I inquired about taking money out of my HELOC to pay off credit card debt on XXXX with M & T Bank. I was told the terms would be XXXX XXXXXXXX 8.89 % with a payment of {$250.00} a month. I asked a couple times to be sure that the full balance owed was included in this payment. She told me it was so I moved forward with locking in the new interest rate/payment. 

I then received a bill for $ XXXX dollars. I called the bank to inquire why my bill was so much higher, the lady told me there was just one payment left of my previous HELOC and the next month my payment would go back to the agreed upon $ XXXX. I made the payment. Then I received a letter stating I had XXXX separate loans and the total of the payment was I believe $ XXXX! I spoke with the manager of the bank, after a few days they told me they can not honor the payment they quoted me over the phone.