23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the Truist application and approval process we were notified that we were on a " float option '' for our interest rate. When rates started to drop a little I called my loan office and asked her what the rate for that day was. The date was XX/XX/XXXX and we were not closing for another 5 months. She advised me that the rate for that day was 6.875 % and asked if I wanted to lock in. This was the exact rate that we set for our budget so I called her back and asked if we could lock in and what we needed to do. She said to just tell her we wanted to lock in and that was it. So we locked in and she called me back to let me know that we needed to pay {$1700.00} for a rate lock fee. I was shocked and asked her if we would be getting this money back and she assured me we would at closing so I told her as long as we would get it back I would go ahead and pay it. We received a loan estimate updated to the locked rate good through XX/XX/XXXX. We had received poor communication with the loan officer throughout the process but it got worse and I shopped the loan. When the new mortgage company looked at the disclosure they asked what the points were for. I didnt know anything about points so they explained them to me which XXXX  me. I called the loan officer to find out what the points were for and she never gave me a direct answer but found out that she charged us XXXX points to get that rate to 6.875 % without asking us if that is what we wanted to telling us that is what she did. We would have NEVER locked in 5 months before closing if we were given the correct interest for that date! Now they are telling me we cant get that money back. This is not fair as she should have never charged {$5000.00} in points without asking if that is what we wanted. She failed to give us the interest rate on that date and gave us what she wanted with buying points. I dont know if she benefits from this is some way or why someone would do that without disclosing this was what she was doing and nothing was signed for the rate lock and it is not clear at all on the disclosure statement. They need to refund the rate lock fee as they hid those points and took 3 days for the loan estimate to be updated and being too late to back out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a lease through XXXX XXXX XXXX. Account # : XXXX. The lease was paid in full, and the vehicle was returned. I leased another vehicle through XXXX immediately. I subsequently received an invoice for a turn-in fee, which they charge when you do not lease another XXXX. I called them immediately and told them that I had leased a new vehicle. They asked for me to send a copy of the new lease. The finance guy at XXXX XXXX was helpful, and faxed it to XXXX immediately. I received another notice a few weeks after that stating that the turn-in fee was due. I called again - there were a number of calls back and forth. The finance manager at XXXX XXXX sent the fax another two times, and I called XXXX to let them know. I then received a notice about a month later stating that the amount is overdue. I called them got the name of the case manager in charge of my account, and had my Finance guy email them a copy of the lease. He cc 'd me on the email. The first fax was on XX/XX/XXXX, and the last email he sent was on XX/XX/XXXX. They said that as soon as the paperwork was processed, they would remove the turn-in fee as it is not due if I lease another vehicle. In the interim, I was making many calls to XXXX XXXX XXXX, XXXX, and speaking to many people to resolve this and was assured that if I had leased a new vehicle it would be removed from my account. I finally reached someone on XX/XX/XXXX, who I insisted wait on the phone until he could confirm he could see the email. He acknowledged the email and said that the turn-in fee would be removed ( this was erroneously charged, and should never have been put on my account int he first pace ). XXXX XXXX XXXX reported to the credit reporting agencies that my account was delinquent around the XX/XX/XXXX, causing my credit score to drop almost 100 points. I request that XXXX XXXX XXXX contact the credit reporting agencies to state that it was reported in error. There is no reason I should have to suffer from their errors in charges, and record-keeping, and I believe their operation is negligent and suspicious in their charges. Everyone at XXXX XXXX XXXX has been insufferably rude and determined to be unhelpful, so I have not had any help from them. Nor Have I had any help from XXXX.
Product: Credit card

I XXXX XXXX a consumer is having problem with the major credit bureaus deleted inaccurate and incorrect information on my credit report ( XXXX credit cards that don't belong to me due to identity theft. So, I'm requesting that account number XXXX XXXX be deleted from my credit report. 
Additionally, under FCRA rights as a consumer and due to having this requested this be done on more than XXXX occasion.
Product: Student loan

In XXXX of 2018 Navient debited my account for my monthly installment 2 days before the payment due date. I had more than enough money in my account to cover the payment but for some arbitrary reason then 'reversed the payment ' without any notification that there was a problem on their end. Then I receive a message AFTER the payment due date saying that I've missed payment. I call in only to told there is nothing I can do about the incurred interest due to a missed payment even though I didn't miss a payment. I know it sounds petty to worry about the incurred interest but when you have almost 90,000 in student loans and the interest rate is nearly 7 %, I need to worry about every single penny of my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was purchasing a new car on XX/XX/. While the finance manager was running my credit report, he received and error stating my social security number did not match what Equifax had on file, causing several banks to deny credit for my purchase. I called Equifax the same day and was told to submit a letter and a request to unfreeze my credit report. On XX/XX/, I submitted a request to unfreeze or unlock my account, with proof of identity supplied. On XX/XX/ I received a notification from Equifax stating they were unable to locate a credit file for me due to one of these reasons : You have not applied for credit recently. 
You have not actively used credit in the past ten years. 
You have not lived in the United States or have not been issued a U.S. Social Security Number. All of which is incorrect. The main reason I contacted Equifax was due to the fact that I have no credit report with Equifax ; however, my credit report is fine with XXXX and XXXX. This tells me that there is, or has been information entered incorrectly through Equifax directly, and Equifax has not been helpful in correcting this error. I have student loans, credit cards, and even a car loan in the past, so there should be no reason for Equifax to not have anything on file for me, unless they have the incorrect social security number and or my name mixed with someone else. I'm hoping this gets resolved as soon as possible.
Product: Debt collection

The listing on my credit report with Quantum Collections should not be reporting on my credit. I submitted a validation request to them on XXXX XXXX, XXXX as well as disputed with the credit bureaus on XXXX XXXX, XXXX due to my validation request being undeliverable per the certified tracking. 

Finally they responded to me on XXXX XXXX, XXXX see attached response they sent me. 

The collection account listing on my report does not belong to me and the documents they sent me clearly show that they should have invoiced my wife. The " Patient Face Sheet '' that was sent to me from XXXX shows that the " Patient Name '' and the " Guarantor Name '' is my wife. Also enclosed is the Patient Ledger that they sent me even though I 'm not the patient! The only reason why my name was on any of the paperwork that they have is because my name was on the insurance card that was presented ; that does not make me financially responsible and I was not even present. In addition the bill statement date of XXXX/XXXX/XXXX for {$80.00} was clearly invoiced to my wife not to me. I did not sign any document accepting financial responsibility nor was I present. However, this company has managed to report this collection on MY credit report and refused to remove it. 

My wife offered to pay this bill in full in exchange for a deletion of the inaccurate information and they refused. 

Furthermore, they already have reported this collection on my wife 's credit reports as well. 

This inaccurate reporting is damaging my credit rating, as a result of this erroneous reporting and negligent compliance I 've been turned down for financing. Quantum has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. My good name has been tarnished and this can further cost me in my career endeavors. 

Furthermore I have reason to believe there is a HIPAA violation as her personal confidential medical information was sent to me, in response to my attempt to get this off my credit reports. Since I 'm not a financially responsible party for her to this service her private medical information should not have been sent to me. Yes, I 'm her husband but that does n't exclude her privacy rights afforded to her through the HIPAA ACT, clearly they are negligent.
Product: Debt collection

I was contacted by a phone agent a few weeks ago about this, and attempted to explain I just had a XXXX XXXX XXXX removed due to identity theft from my late brother. ( See last CFPB complaint ). The agent was rude, refused to help identify the debt, cut me off repeatedly when I tried to explain what happened and tried to fix this. The agent cursed at me and told me I could pay the {$600.00} whatever now or he would make sure they got over XXXX XXXX dollars. He treated me and spoke to me like a criminal and gave me no opportunity to resolve the collections any other way. He was so rude I assumed they got my information again and it was a scam attempt. 

This agent knew that I was claiming this debt was not mine, I attempted to resolve the identity issue and they refused and processed this into collections ruining my credit again anyways.
Product: Debt collection

Complaint Against LVNV FUNDING LLC for Violating Consumer Rights Dear CFPB, I am writing to file a formal complaint against LVNV FUNDING LLC for their persistent violation of my consumer rights under federal law. They have failed to comply with the legal requirements of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Details of the Complaint : Creditor : LVNV FUNDING LLC Disputed Reason : Failure to provide debt validation, continued reporting of unverifiable debt, and non-compliance with communication preferences. 

Violations : Fair Credit Reporting Act ( FCRA ) LVNV FUNDING LLC has reported inaccurate and unverifiable information on my credit report. Despite my request for validation, they have not provided any documentation to substantiate the debt, thus failing to ensure the accuracy and fairness of the information reported. 

Fair Debt Collection Practices Act ( FDCPA ) As per FDCPA, I requested validation of the debts from LVNV FUNDING LLC. They are required to cease collection efforts and remove the collection accounts from my credit report if they can not validate the debt. However, they have continued to report these unvalidated debts, which is a clear violation of the FDCPA. 

Fair and Accurate Credit Transactions Act ( FACTA ) FACTA allows me to dispute inaccuracies in my credit report. LVNV FUNDING LLC 's failure to validate the debts makes these accounts inaccurate, and their refusal to correct these inaccuracies is a violation of FACTA. 

Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces regulations to ensure fair treatment of consumers by financial institutions. LVNV FUNDING LLC 's failure to validate the debt and their continued reporting of unverified information constitute a violation of these regulations.
Product: Credit reporting or other personal consumer reports

Someone has fraudulently tried to open accounts in my name. There are inquiries on my Early Warnings Profile and XXXX XXXX that need to be addressed immdeiatly.
Product: Debt collection

I made a one time purchase at XXXX and the sales person offered me this card. I explained that I did not want the card, because I would use it only at that particular moment and not anymore. I do not live in the US. The sales person guarantee that there would be no charges involved in making that application so I could use the card one time. There were no fees. I used my son 's address and told her. 
I was surprised with this letter from the debit collector. 
I reserve my rights to use a lawyer again the company if I have any further inconveniences for this matter. I hope the matter gets solved and wait for an answer.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX, Experian, XXXX Dear XXXX, Experian, XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as later 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 20 days before the payment due date. 
I NEVER gave You, XXXX, Experian, XXXX, OR XXXX  XXXX any written instructions to furnish any information on my consumer report. 
Which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practice. 
You XXXX, EXPERIAN, XXXX should be ashamed of yourself for ASSUMING this Role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
XXXX XXXX By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an update copy of my credit report reflecting the requested changes. 
Best Regard, XXXX XXXX ( XXXX ) Without Prejudice, All-Natural Inalienable Rights Reserve
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the Experian, XXXX and XXXX credit bureaus and told them that the bank agreed to not report the late payment accounts. I believe Experian, XXXX and XXXX are violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. 
XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$28000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge-off listed on my credit report for the account XXXX XXXX XXXXXXXX I recently reviewed my credit report and found that this charge-off is inaccurately reported. 

The account was reported as a charge-off on XX/XX/year>. However, my records indicate that I made payments on time following the initial late payment.
Product: Credit card or prepaid card

Simmons Bank delays posting of their payments consistently by two days. I have had to call two different times to have late fees waived. They are charging consumers late fees that they may have no idea is on their statements. In both cases the my checking account received the money in time. While they have waived the fee both times, who wants to spend 20 minutes of their evening getting the fee waived
Product: Debt collection

After several disputes finally received letter from XXXX XXXX without definition clear and lawful definition of payment in dissatisfaction. 

Disputed liability of alleged obligations as 15 U.S. Code 1692a3 natural consumer and 15 U.S. Code 1692a ( 4 ) original creditor having extended my 12 CFR 1002.2 ( j ) credit via 15 USC 1602 ( l ) social security 12 CFR 1002.2 ( a ) account number compelled against 42 U.S.C. 408a8 and Public law 93-579. ssn belongs to the SSA and anything obtained with the identifier number is a obligation of the United States 18 U.S.C. 8, UCC 9-307 ( h ). Anyone attempting to collect a debt from me obstructing commerce and in violation of The False Claims Act ( FCA ), 31 U.S.C. 3729 - 3733. 

Great Lakes, Department of Education, XXXX XXXX has 18 U.S.C. 241 ; 242 conspired to deprived me my right to credit and denied me satisfaction and accord of obligations per 18 U.S.C. 8 obligation of the United States, for satisfaction and accord and per 15 U.S.C. 1 illegal restraint of trade debt collectors refused to restore credit to good standing and has impaired my right to open-end credit. 

Art. 1 Sec. 10, No State shall enter into any Treaty, Alliance, or Confederation shall make any Thing but gold and silver Coin a Tender in Payment of Debts ...

All parties have said they will accept anything except lawful money, gold and silver for payment of debts, and all have neglected via 15 U.S. Code 1692e. false or misleading representations their fiduciary duty in the acts of Misfeasance, nonfeasance and malfeasance to settle the obligations for full acquittance and discharge without liability per 50 USC 4305b2 and has restraint my right of trade and is in breach of trust per 15 U.S.C. 1 whereby alleged obligations are rendered an obligation of the United States as per the supremacy clause- any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. 

I have disputed obligations several times with credit reporting bureaus, XXXX, XXXX   and XXXX who has conspired also to invalidate title 18 U.S.C. 8 obligation of the United States and hold my person liable for the obligations. 

My credit has been discriminated and I have been impaired from getting a home. This injury has been nerve wrecking and emotionally distressing without remedy. 

As original creditor/grantor/lessor of personal data, I reserve all rights to proceeds, titles, interest where my personal data valued at 100,000,000 dollars per entity, per year for misuse and negligence to settle obligations.
Product: Checking or savings account

Date of dispute- XX/XX/XXXX ATM at Wells Fargo ATM , XXXX XXXX , XXXX Ca. 

I tried to withdraw cash from my Savings account for {$200.00} and {$150.00} from my Checking account,. All of which DID NOT disperse any funds. I knew that I had the funds in there but did not know why the transaction would not go through. After several attempts the machine closed up said " suspicious activity '' and cancelled the transaction and gave my card back without a receipt or any cash. 
After arriving home I received a Text from wells Fargo asking me if I recognized this activity and I said yes but I did not receive any funds. I called again the following morning and told the gentleman what had happened and he said he saw the problem and would take care of it. I then received an email from Wells Fargo Saying the transactions were declined and I would not be charged. The {$150.00} from my checking was taken off but not the {$200.00} from Savings. When I inquired about the credit they said no, the ATM had dis burst the funds. If this were true why would they send me the an email stating that the transactions have been declined! 
I have now been battling this for all these months now, being bounced from one department to another, another telephone number to start all over from the beginning only to be told that is a different department. I even made an appointment with a banker in XXXX.XXXX, she was wonderful and so patient. She looked over my documents and made a report. Still no letter of explanation. Then finally XXXX, XXXX I get a letter from ATM Claims.But my questions are still not answered. This has been so stressful, I have lost sleep and gotten so frustrated over and over again. I DID NOT RECEIVE ANY FUNDS XXXX!!!
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX we purchased a XXXX XXXX with a large down payment and an auto loan from Wells Fargo that would become a nightmare. The bank gave no option for autopaying the loans, so we had to call up and manually process a wire transfer from our bank each month. For some reason, our payments chronically failed to process and the bank never informed us if our payments were late. We ultimately paid off the loan three years early but the payment failed to process for reasons that were never clear, and my husband 's credit score dropped 100 points. I know Wells Fargo has an abysmal reputation for having normalized the types of frauds typically associated with ponzi schemes, but a straightforward auto loan I never had a problem paying did not seem to be the sort of product that would invite abuse and predation. Boy, was I naive. Now we are trying to buy a home and our credit has been destroyed by this XXXX loan we never even needed.