23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, This list of accounts below has violated m t federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX Date open : XX/XX/XXXX this company has violated my rights. 
2. Account name : XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX, Date open : XX/XX/XXXX this company has violated my rights. 
3. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX Date open : XX/XX/XXXX this company has violated my rights. 
4. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX Date open : XX/XX/XXXX this company has violated my rights. 
5. Account name : XXXX Funding, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX, Date open : XX/XX/XXXX this company has violated my rights. 
6. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX  Date open : XX/XX/XXXX this company has violated my rights. 
7. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type XXXX XXXX XXXX, Date open : XX/XX/XXXX this company has violated my rights. 



15U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without written instructions. So therefore, I have not provided any written instructions to do so. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing ant 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 ant 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: Mortgage

On XX/XX/XXXX we entered into a contract with XXXX XXXX ( homebuilder ) and DHI ( lender ). Several discussions with their MLO XXXX XXXX ( XXXX XXXX ) led to a submitted application and preapproval. It was during this preapproval that we discovered the existing of a Federal Tax Lien on my husband 's ( XXXX XXXX, XXXX ) bureau. We believed at the time the lien was associated with his father. My husband does out past income taxes and is currently on a repayment plan, paid as agreed. This was disclosed to the MLO. On XX/XX/XXXX XXXX emailed us to inform us that the application was going to be receiving credit approval ( conditional ). We fully expected to be required to provide proof of payments, balance, etc. but to our surprise XXXX asked for nothing pertaining to the XXXX. On XXXX XXXX was provided a copy of the installment agreements and payment history for the lien after a discussion with my husband. XXXX acknowledged receipt of the documents. We received a conditional approval on XX/XX/XXXX from XXXX XXXX ( XXXX XXXX ) and satisfied the conditions of the approval ( which still requested nothing regarding the lien ). On XX/XX/XXXX I received a call from XXXX stating that the underwriter made a mistake and realized that a conventional/conforming loan was not an option as it could not be sold to Fannie/Freddie and they would need to have us enter into an FHA loan instead ; which required even more money down due to XXXX XXXX FHA limits. 
The error is this. XXXX was provided the information and in escalating the satisfied conditional approval of the conventional loan it was revealed to me by XXXX XXXX ( Asst. Nat'l Resolutions Manager ) that in an internal email/document between the underwriter and XXXX AFTER having received our lien documents and payments that he informed underwriting the tax debt/lien was not associated with XXXX which led to their credit approval. It is my strong belief that this is a violation of UDAAP in that XXXX had direct knowledge and confirmed receipt of the information but withheld the information in an attempt to gain the approval. However, at my request, I asked XXXX to investigate the loan amount on the approval as it was $ XXXX short at which time underwriting somehow became aware of the voluntary and/or deliberate withholding of our credit information and XXXX contacted me to pursue the FHA loan instead. 
The situation was escalated and XXXX ( ph # XXXX ) admitted there were " communication errors '' on behalf of XXXX but that we 'd be required to pursue the FHA loan and provide approximately $ XXXX in closing costs. She acknowledged with XXXX 's manager ( XXXX ) on the phone that errors were made but XXXX would not portfolio our loan and our only option was the FHA. I cited my concern with UDAAP, ECOA, HMDA, and TILA and asked to speak with a compliance officer or legal team representative and she refused to provide me any contact of a subject matter expert. I have every conversation in email as well as our conditional approval and conditional credit approval that were both satisfied.
Product: Student loan

I was declared fully and permanently XXXX by a sitting Federal Court Judge in 2004. My income derived from SSXXXX. My income is below poverty level and a wage garnishment by Nel-Net, the XXXX current loan shark, has taken my income even farther below poverty level and it seems the dept of edu has their own standard of determining who is XXXX and who is not since they can disregard the decision of a Federal Court Judge and the panel of experts sitting with him. They conferred with each other, before the jusde handed down his decision. 
In my XXXX semester at the university, I began to enter a XXXX ( XXXX ) and informed my instructors I needed to withdraw from their classes. I was enrolled in XXXX classes. I attempted to contact my student adviser through calling and e-mails, but she never responded to advise me in any way. I was between my XXXX to 4th week at the time. The university showed me as having dropped out and charged me for the entire semester. This was in XXXX. Now my below poverty XXXX income is being garnished, for XXXX, by a loan shark company who continues to add on penalties while they collect on the loan. I have tried for 2 1/2 years now to get this loan deferred with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion charge my credit card XXXX every month till date for monthly subscription Fee however i never created user login ID into their website and did not subscribe any membership, I never login into their website since they started charge my account. 

They charge my credit card total XXXX = XXXX XXXX wanted check if they check the issues and refund my amount XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602A 15 U.S.C 1681 section 604A section 2 states they can not furnish an account without my instructions.

15 USC 166B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose in accordance to the fair reporting this creditor has violated my rights This late payment should not be on there I clearly explained to the creditor that I am having hardship and they know this and gave me a grace. I also had gotten XXXX at the time and was not employed which I expressed. Also on my credit report it is showing that the late payment was on XXXX, but on another one it shows I payed XXXX and it was late on XXXXSo there is a miss match there as well.
Product: Checking or savings account

Hello-I typically check my checking account every other day. I just returned from vacation this Sunday XXXX/XXXX/2018 and noticed there were several unauthorized charges. I barely used my debit card while on vacation, and resorted primarily to using my credit card. I called Wells Fargo, and they opened an investigation, however also relayed that fraudulent charges affected my Dad 's account too ( who is a joint account holder ). My online account was  suspended, and I was told I was going to have another debit card reissued and that my account information would change. I called back customer service to follow up ( as it has been three business days ), and have been on hold for going on 1 hour and 37 minutes and told that there are no specialists available. In the meantime, more fraudulent charges have appeared in my account, and my dads. This is an urgent matter as my Mom was socially engineered on Friday from a " Wells Fargo Representative ''. I think this matter should be treated as soon as possible. I do n't have the time to be on the phone with customer service for approaching now 2 hours. Please advise as soon as possible.
Product: Credit card

I purchased a phone case from XXXX in XXXX XXXX ( {$33.00} ). Immediately after/within three hours, I became aware of questionable practices of XXXX. I attempted to cancel the order, XXXX refused ( stated unable to stop shipment ). I filed a complaint with Bank of America. I never received case from XXXX. Bank of America refused to credit account because XXXX provided proof of shipment. I advised Bank of America that I never received the case and if I had it was my intentions to return, which was allowed - I had to show the return policy too. I filed a claim with Bank of America for item not received, Bank of America disregarded my complaint. Today, I noticed that the {$33.00} was placed back on my account on XXXX I am requesting assistance from CFPB with Bank of America forcing me to pay for a case I never received. The bank 's current practice does not protect me the customer. XXXX has questionable practices and poor business practices ( XXXX  ), which did not matter at all to the bank. I have an $ XXXX balance and I filed a claim for {$33.00}, an item I never received and the bank did not even respond to my claim, which they have a duty to provide the customer protection. Please help.
Product: Debt collection

On XXXX XXXX XXXX, an auto loan account was fraudulently opened in my name, resulting from identity theft. I have taken steps to dispute this information with both XXXX and XXXX, including sending written letters, but no action has been taken to address the issue. Furthermore, the information on my credit report is inaccurate. The reported closing dates differ, and the account is incorrectly marked as charged off a long time ago. Additionally, there was recent activity on XX/XX/XXXX, further highlighting inconsistencies in the dates of account opening. I urgently request the immediate removal of this fraudulent account from my credit report due to its fraudulent nature and the discrepancies it presents in my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, Experian, XXXX, and XXXX each has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I am demanding remedy due to the violation of the following Laws : Violation of : 15 U.S.C. 1681 ( a ). Protects the consumer 's right to privacy Violation of : 15 U.S.C. 1681b ( a ) ( 2 ) : A consumer reporting agency can not furnish a account without my written instructions. 
Violation of : 15 U.S.C. 1681c. ( a ) ( 5 ) 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 7 years. 
Violation of : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 the information is inaccurate.
Product: Debt collection

Here is my complaint letter to national Credit Services sent today : My name is XXXX XXXX. I had arranged for a payment plan on XX/XX/2018 and then amended this on XX/XX/2018-Rehab program arranged. The first arrangement based on the notion that I would pay less because I have a heap of medical bills to pay from a XXXX XXXX in XX/XX/XXXX and was trying to create some kind of requested statement. I could not make that happen because of bills from several docs, surgeons, hospitals, etc. so out of honesty and complicated circumstances, I called back and said to forget about using those expenses to lower the monthly cost, I would pay higher rate. 

XX/XX/2018. The new plan was arranged, I gave my bank account information and was told that I would have to make 9 consecutive payments and then we could move on to the next phase of payments and out of default status and no garnishment to my account would be made. 

XX/XX/XXXX, I go to work and find that a garnishment was indeed made AND you are taking the arranged payment out of my account. 

This is problematic for several reasons : You pick on people that are obviously struggling. Your tactics of bullying and forcing them into arrangements that are not clearly explained is unethical and will be reported. 
You say you have reviewed all the conversations, yet I can not defend myself nor can I trust what you are saying since I can not afford to subpoena you to hear the recordings ( that may not even exist ). 
The documentation I sent to verify my income was sent as asked more than once and your system apparently can not decipher the information OR you do not respond to anything that goes to XXXX No one warned me that my wages would be garnished in enough time that I could try and make alternative plans even though I made an agreement with you Your representatives today are telling me that even though a signed contract was sent, because payment was not made in the 30 day time period, which I did not understand, I would still be garnished. I understood it to be to sign the papers. I did not want to give my financial information to you until I verified who and what you were. There are a lot of scammers out there and I ma still not trusting this situation. 
Why would I still sign an agreement for $ XXXX monthly payments to be voluntarily made knowing my wages would still be garnished {$200.00} per paycheck? 
My expenses exceed my income. How can I pay {$400.00} out of my monthly income without going to bankruptcy court? This creates an extreme hardship for me. Note my expense report attached. 
Your representatives are not clear with the deals being made and misrepresent what the outcome would be. 
Your company uses unethical practices to bait and switch to customer. I will be sure to report this to everyone that I can. In a time when everyone is struggling to keep their heads above water, with ridiculous rents, terrible job options and high cost of living, the last thing we need is suffocating debt collection. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For the second time in a year, we have received a drastically different payment amount and escrow analysis. The burden this creates on short-notice for a family of XXXX is tremendous. We have relied on our mortgage company to do their job ; however, we are for the second time, realizing this is not happening. RoundPoint Mortgage is giving us a $ XXXX payment increase and asking that we come up with a huge addition to our escrow in a short amount of time. This should n't be allowed to happen like this. We can not afford the home we are living in for {$200.00} more a month and XXXX dollars to be paid on short notice. These are DRASTIC changes in our finances and we have been waiting on call backs from XXXX at RoundPoint Mortgage who was supposedly getting to the bottom of this issue for weeks now. Having your home and mortgage in the hands of RoundPoint Mortgage is risky and terrifying for a family. This is the second time in a year we have received a notice of a large increase in payment. We never get clear answers and wait on callbacks that will never come. The only way we received a resolution in the past was going through this Bureau. That should n't be the way business is done. We are busy enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

As described in the attached text document, the basis for my complaint is the conflict of interest inherent in Equifax permitting false and fraudulent information to be included in my personal credit file, in promotion of their credit repair scam business and extort payment from me of {$19.00} per month for all eternity, to remove the very same false and fraudulent information Equifax has permitted to be placed there to begin with.
Product: Payday loan, title loan, or personal loan

MoneyLion shows my payments current, but reports as delinquent. XX/XX/2017 - Loan Approved XX/XX/2017 - First payment of {$170.00} due and set to withdraw from my XXXX  XXXX XXXX checking account, but the account was not funded so I added my XXXX XXXX, XXXX. account ending in XXXX to my profile. XX/XX/2017 - MoneyLion attempted to debit payment from my XXXX XXXX account. I received an email from XXXX XXXX notifying me that payment was not complete. I forwarded the email with the explanation to XXXX. I did not receive a reply ( email attached ). XX/XX/2017 - Automated email from MoneyLion that scheduled payment was not processed successfully. XX/XX/2017 - Notified via email that account has been placed into Collections. I called and spoke with a MoneyLion representative and explained the situation with accounts. She informed me that when you add an account online, it does not do anything. New banking information must be added over the phone. I told her to keep the XXXX XXXX account ending in XXXX the same and we can use that account going forward. I was set up on a new plan. I expressed my concern about any fees I had acquired since I did make the banking change online and contacted MoneyLion support via email. I was told an adjustment would be made and my payments would be for the correct amount, without penalties. I funded my account for {$170.00} and a withdrawal was attempted for {$200.00}. After numerous phone calls, I eventually connected with XXXX XXXX, Retention Department Account Manager. Once I had her email, I continued to use her as my point of contact. Our entire email conversation is attached. She was able to see the confusion in my file and get my payment organized. I spoke to her about my concern with my credit report. She on multiple occasions told me via email and phone that my concerns have been escalated to a supervisor and they would be addressed. I never heard from a supervisor and have never again spoken with XXXX. MoneyLion shows my payments current, but reports as delinquent ( screenshots of both my MoneyLion account and credit report attached. ) When I did finally speak to a supervisor, they told me that I am in their in-house collections, so even though my loan is receiving regular and current payments, MoneyLion will still continue to report my account as delinquent until the loan is paid off. I do not know if XXXX was collecting as a first or third party collector, so I don't know my rights under the FDCPA and Federal Trade Commission XXXX Opinion. For months I was misinformed about my credit reporting. When I spoke to the supervisor, I asked him to read me all the notes on my account. He informed me that XXXX had escalated my claim, but management decided not respond. Because of the damage this 90 - 119 day delinquency status has done to my credit file, I have had other accounts closed or credit limits decreased citing 'SERIOUS DELINQUENCY '' and " TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN ''
Product: Payday loan, title loan, or personal loan

After filing a separate complaint with CFPB ( reference ID : XXXX ), Dignifi apologized for the inconvenience and stated that they would be providing monetary compensation in the amount of {$0.00} which according to Dignifi was the remaining balance on my account with them.

This occurred after I had already paid the remainder of the debt in full. I do not understand nor did the company clarify how there could possibly be a balance of {$0.00} cents left on the account after I had paid the full balance of the debt but I didnt worry about it because DigniFi forgiving that balance amounted to the same thing. 

However, I have continued to receive harassing emails from Dignifi asking me to pay that remaining balance which is somehow now higher than {$0.00}. To the best of my knowledge DiginiFi has not completed any of the resolutions that they offered for my previous complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear XXXX XXXX Customer Service, Thank you for your response dated XX/XX/year>, which included copies of statements for the account ending in XXXX. However, my original request was for a formal verification and validation of the debt under the Fair Credit Reporting Act ( FCRA ), specifically regarding my dispute of the reported debt. 
The FCRA entitles me to request, and you are required to provide, documentation to prove the validity of the debt, such as the original signed agreement or contract that verifies my obligation to pay this debt. I also request that you send me a detailed breakdown of how the balance was calculated, including any fees or interest applied. 
Please treat this as a formal dispute under the FCRA, and provide the requested documentation within 30 days of receiving this letter. If you can not provide such information, please instruct the relevant credit bureaus to remove the debt from my credit report. 
I look forward to your prompt response.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I ordered a product using AFTERPAY services. During that time the seller of the product intentionally sent me a product I didn't order claiming it to be a different product. I was able to capture screen shots of the product I ordered and a picture of the product sent which was not the item I ordered. The seller is aware that this issue has occured and has since refused to assist with dealing with this. I believe the seller is intentionally sending products to collect money without spending the money to make the correct product. 

I reached out to AFTERPAY multiple times and was told that the seller could scam me and they wouldn't provide any protection if the scammer offered me even a fraction of what I spent on it. 

This doesn't seem to be good faith practices nor does it seem to be ethical on AFTERPAY 's part. After pay gives the illusion that they will protect consumers from this type of issue but then does not.