23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX I needed money to help getting to a job interview in XXXX, XXXX from XXXX XXXX. I had received a flyer in the mail from Big Picture Loans a couple weeks earlier. I took out a {$600.00} loan with a fee of {$210.00} for a total of {$810.00}. I have made {$630.00} in payments thinking that I only had one payment of {$210.00} left. I called today to see what my balance was and found out that it is still {$810.00}. I was never told that I would be paying {$210.00} in interest each month. I was led to believe that my payments were going to pay off the loan in 4 months. WHAT A SCAM
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX credit report and found SYNBAMERICAN EAGLE had pulled my credit without authorization on XX/XX/2019. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$11000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX  is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : Unverified account Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX. if futher information is required. 

Sincerely, XXXX XXXX
Product: Mortgage

Mr. Cooper mortgage company fraud me by tricking me to sign a loan modification agreement and to agree for them to put a {$110000.00} lien on my house on XX/XX/XXXX. I had bought my home BRAND NEW in XX/XX/XXXX. During Covid lockdown and everything, I did not lose my income or job. 

Mr. Cooper VIOLATED Federal Law to provide me a sign language interpreter when I asked them repeatedly. They hired a notary person but they refused to hire a sign language interpreter and I am XXXX. They violated ADA rights and law. If I had communication access with interpreter, I would have NEVER signed the papers and they would have not be able to fraud me. They coerced me to signing the paper by saying, " It is just to re-start your mortgage as they bought my mortgage loan and will only take 10 minutes ''. They also threatened me that if I don't sign, I will lose my home. 

I have an attorney to try to settle this outside of courts and they are refusing to speak to me and they are refusing to talk to my attorney. They do not want to acknowledge that they broke the federal law and to try to resolve the issues with me. 

Mr. Cooper address is XXXX XXXX XXXX, XXXX, TX XXXX. 

point of contact person who refused to talk is XXXX XXXX, Customer Relations Specialist. phone number XXXX. I tried to get ahold of supervisors but there excuses were that they are not available. 

Again, Mr. Cooper VIOLATED My ADA rights to have a sign language interpreter when they hired a notary person to come to my home on XX/XX/XXXX to sign " some papers '' which again was a modification agreement papers and partial lien of deed which they have a lien on my house for {$110000.00}. I Never AGREED TO THAT! and I was not given communication accessibility at all. 

So Mr. Cooper is a FRAUD mortgage company and frauded me!!
Product: Debt collection

the company (CBE Group) has called repeatedly outside of XXXX and XXXX. When i spoke with a representative they refused to provide me with either the callers name or the permanent physical address of the company.
Product: Debt collection

XXXX I reviewed my credit report and noticed my score dropped substantially. Diversified adj svc had placed a derogatory mark stating I had an unpaid balance. I immediately called them XXXX with a busy tone on the line. I attempted various times again on XXXX when I finally reached an agent. I advised the agent that I was never made aware of this account or received prior notification but that I am willing to pay the full balance if it can be removed as I am in the process of applying for a business loan. The agent advised me over a recorded line that they will not remove the account as it has been in collection for some time well over a few years and also stated they simply collect payment and do not work alongside the credit bureaus. He said once the payment is made that I can speak with them. I asked who the account pertained to and he advised me it was XXXX. I advised the agent that it would be impossible as I had not been under XXXX employment for less than a year. I also requested verification of the debt to the address I provided as I never received prior notice or contact violating my rights to dispute. He said " Just pay your bill! ". I mailed a letter to the collection agency XXXX again requesting verification of the debt as I had never been contacted in any shape way or form and again extended my willingness to pay in the full balance for removal of the remark due to not being contacted within a timely manner and would await XXXX days from the mail date. XXXX at XXXX XXXX diversified specifically contacted my sister who is a minor not only disguising the nature of the call but also advising her it was an attempt to collect a debt once she verified I have not lived at that current address for several years. XXXX I had still not received any notice or call from the agency. I called XXXX for assistance and was advised that Diversified like any collection agency has the ability to remove the remark but that XXXX can not further assist me. He advised me to check online where I verified the XXXX agent 's statement that Diversified does in fact reports to the credit bureaus. Diversified has violated my rights as a consumer under the FDCPA by never having contacted me prior to reporting the account in question or providing me notice after I and not they, initiated contact with them. I have provided them my address and phone number twice. Once over the phone and in my letter to them but still received nothing. They have also violated my rights by not only contacting a minor who is not under my care but also disclosing the nature of the call rather than contact me directly. The mishandling of the debt to be paid shows irresponsibility and zero accountability on Diversified 's end.
Product: Credit card

In late XXXX, we reached the limit on our credit card. We made a direct payment from our XXXX XXXX XXXXXXXX account into the Chase credit card account. The debit was reflected on our XXXX XXXX XXXX account. Chase refused to provide us credit for over 8 days and were non-responsive. XXXXubsequently told me that they had the right to hold payment for 5 business days. Would not point me to the provisions of contract that provide that authority. I requested escalation on three occasions and have received no response. 

I spoke to XXXX on XXXX ; XXXX on XX/XX/XXXX. XXXX a few times after XX/XX/XXXX. She is the one who told me they had the right to hold my money and not credit our account. I requested escalation and have left messages. I have requested documentation and have not received anything in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personalreports.lexisnexis.com has incorrect information. None of the information is correct. Information may refer to someone else.
Product: Debt collection

12 years ago we had acredit card debt with chase and when the rate increased we couldnt afford monthly payment.XXXX sold the debt to mcm and XX/XX/XXXX file judgement against us. On XX/XX/XXXX on bank accounts were frozen with no warning the debt was for XXXX XXXX XXXX XXXX put holds of {$22000.00} and XXXX we had a balance of XXXX. In the account. Have been to XXXX XXXX XXXX to have them Pay the debt mcm said that they will not take more than what we owe. Another trip to XXXX now says sent {$8200.00} to release our account. We had no way to get money. XXXX will not explain why they sent XXXX more than what we owe. We have received no breakdown of funds they just took our extra money. Very sad that a bank will take extra money with no explanation. No way to get medecine and mcm said the bank could keep this frozen for 4 months.This money was for a funeral for my brother in law XX/XX/XXXX. Now mcm is threatening more accounts that we have not received any documentation for. Is this how XXXX and mcm treats s sr citizen. We would appreciate the help. These are unsecured debt from over 10 years ago. Thank you
Product: Vehicle loan or lease

My XXXX a XXXX XXXX, and I have been paying {$620.00} nearly every month for the last XXXX years. Some months I have asked for an extension because it becomes too much to keep up with other bills as I have XXXX kids. Its about XX/XX/XXXX when they approve or deny the requests for an extension stating that I have not paid enough on the car. When I check my paid balance on the car loan it says to date ( XX/XX/XXXX ) {$2100.00}. To date, I have paid {$20000.00}. They say I still owe {$24000.00} on an original loan for {$26000.00} for a used XXXXXXXX XXXX that was already over XXXX XXXX XXXX when I bought it. This is predatory lending. When I ask for financial help with the company, I am denied half of the time because I havent paid enough on the car but Ive paid nearly my entire yearly salary since purchase. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 I was the victim of identity theft and someone fraudulently applied for several credit cards using my credit info. When his was disovered all 3 credit agencies were notified and a security alert placed on my credit. 

On XX/XX/2021 someone once again tried to fraudulently use my credit to obtains an installment loan with a company called Mariner Finance. The application was denied. 2 of the 3 credit agencies correctly identified this as fraudulent and it was not added to my credit.

The 3rd agency, XXXX, added the fraudulent attempt to my credit as a hard inquiry that affects my credit. I filed a dispute with XXXX  notifying them of the fraud and reminding them that this occurred before and that my account was under a security warning. XXXX  has refused to remove the hard inquiry from my credit file. 

Mariner Finance also has not responded to any communctions requesting that they notify the credit agency of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

O filed a complaint with CFPB on XX/XX/XXXX for XXXX XXXX ( formerly XXXXXXXX XXXX XXXXXXXX XXXX ) on XX/XX/XXXX Experian claims the investigation was complete and the account was verified and updated. How could this be accurate when the account was paid and settled on XX/XX/XXXX?? Experian is negligence is costing my time and denials for credit.
Product: Debt collection

On  XXXX / XXXX /   2017  RS  Clark and Associates wa s in a receipt of a letter disputing alleged debt they were reporting on my credit reports in the amount of {$87.00}. Per the FDCPA, this debt collector must sent proof that this debt is owed with 30 days of my request. Till this day, this company never responded to my request and it has been well over 30 days. Under the FDCPA, a debt collector must cease collecting debt until they have been able to properly verify this debt to the consumer. RS  Clark and Associated  failed to comply with this regulation and ignored my request but continued to send updates to my credit reports. I am showing this company sent an update on  XXXX / XXXX  /2017 to  XX/XX/XXXX  and still has failed to send me the information I am requesting. This is  a direct violation of my rights. This debt does not belong to me and I have NEVER done business with this company and do not intend to.
Product: Credit card or prepaid card

I received an email XX/XX/XXXX From Avant CC that they became aware of suspicious activity on my cc and my account had been blocked. I logged onto my acct and saw the red banner indicating a block with a phone # for customer support. There was XXXX in charges that I did not make. Both transactions were on XXXX for XXXX ea from XXXX XXXX XXXX , I paid this card in full on XX/XX/XXXX in the amt of XXXX bringing the acct balance to XXXX dollars. I called Avant customer service multiple times on XXXX and XXXX and was on hold for a total of at least 3hrs. As well, i emailed creditcards @ avant, com 4xs and have not received a response. I did speak with a rep, XXXX, on XXXX later that night at XXXX, she stated her name was XXXX and worked for a 3rd party company that takes information for Avant. I did provide her with a fraud complaint with regard to the above amount. She could not and did not provide me with a complaint number. She stated that AVant would be in touch with me to discuss further details. She stated that she requested that my account be closed and no new card was to be sent. 
At this time, Avant has not responded to my emails and no f/u call has been received. As well, there are several complaints on their XXXX page about fraudulent charges and that no one can get in touch with Avant. 
This company is not acting in good faith and at best is conducting business with little to no ethics. 
I do not want to be responsible for these charges, I do not want my credit to be affected due to their lack of response and I want Avant held accountable for not responding to their customers They can be contacted : Avant XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Checking or savings account

I am ready to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligned with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ) section 604 a section 2 ( it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. Yet my XXXX XXXX  and my Dept of Education accounts reports as late on Experian multiple times. XXXX, XXXX XXXX and XXXX XXXX show late payments but are closed accounts Please remove this incorrect information from my credit report
Product: Credit card or prepaid card

Issued check payment to Comenity Bank on XX/XX/22 through my XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/22 I was assessed a late fee of {$30.00} and on XX/XX/22. I was never alerted of these charges until I saw them on a month invoiced. I repaid the original amount as well as the finance charges to avoid being charged further penalties. I furnished to Comenity Bank proof of a good faith effort to send payment in time and they are trying to pocket the {$32.00} in finance charges that they have no right to. Theyre saying I have to prove they received the payment which is ludicrous. They could have dropped it behind a filing cabinet somewhere. I paid what I owed and showed that I sent the original payment with plenty of time to spare and the minute I learned they didnt receive it I paid it again. I want the finance charges back. They have no right to it. They are also reporting this to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account that is continuing to report on my credit file. I have been instructed to upload the police report and call in to attache to the file. Every time I call, they are not able to locate the police report that has been uploaded and mailed to Experian. Thus this fraudulent account continues to appear on my credit file. The fraudulent account is XXXX XXXX. I have never had this account and it was opened fraudulently. I am attaching all of my supporting documentation to this complaint as well.
Product: Debt collection

I received an official looking notice with an exterior label entitled " Credit Card Settlement ''. Inside this company implied that I had outstanding debt in collections and that I must contact them within 10 days to avoid an increase in debt due to interest and possibly fines. 

This is a high pressure and misleading notice, as I do not have any delinquent accounts. If this is not a prohibited advertising tactic, it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I busted an XXXX XXXX XXXX XXXX so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I have consistently made timely payments on this account, ensuring they never became overdue. I'm puzzled as to why there are reports of late payments on my accounts. According to 15 USC 1666b, this billing error should be corrected.
Product: Credit card

I started advising 5th 3rd bank I was leaving in XX/XX/XXXX due to unauthorized charges always showing up on my accounts. Then in XX/XX/XXXX I told them again several times that I was leaving effective XX/XX/XXXX. I had opened my new account with my new banking XX/XX/XXXX but had to wait for Social Security to transfer my check to my new bank which they did XX/XX/XXXX. 5th 3rd bank failed to close out my checking account, XXXX credit cards and XXXX debit cards ( which they had failed to close after sending me new ones ), but this was not known to me until late XXXX when I got a statement saying I owed {$110.00} for XXXX or XXXX transactions they said I owed. I disputed this and my dispute was approved on XX/XX/XXXX but they still are saying I owe {$210.00} for overdraft charges put on my credit card for XXXX transactions they paid after I had left the bank, XXXX XX/XX/XXXX and the other XX/XX/XXXX. Even though I had left the bank by that time, I went in to the bank and paid them {$120.00} for these XXXX transactions. I have been since XX/XX/XXXX trying to get this fixed. The charges had totaled up to {$500.00} but they have since deducted everything but the {$210.00} in overdraft charges for the {$120.00} transactions that I paid and was not even a customer at that time but they paid these XXXX transactions anyway. Please help me if you can. They even opened XXXX credit cards in my name so they could apply fees, charges, and interest to after I told them to close the XXXX credit card that I had during my stay with XXXX XXXX.