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

XXXX XXXX XXXX XXXX has violated the FDCA s outlined in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX. XXXX  ), which states that a consumer report is a medium of communication and this subject to cease and desist requirements. 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late 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 21 days before the payment due date. XXXX XXXX never sent the periodic statements along with disclosure from section 1637 ( b ) this information was pursuant in good faith to rule 1002 and it was never provided which is unfair, illegal, fraudulent, bias and not equitable to me as a consumer and a secured party. 15 usc 1681a 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Overview Learn more 15 U.S.C. 1681, also known as the Fair Credit Reporting Act ( FCRA ), protects the privacy of personal information collected by credit reporting agencies ( CRAs ). The FCRA also governs access to consumer credit report records and promotes accuracy and fairness,15 U.S. Code 1681c2 gives consumer reporting agencies the right to rescind or decline to block information about a consumer. This can be done if the agency determines the fairness of
the consumer which the company XXXX XXXX and all credit bureaus did not give the consumer notice
Product: Student loan

I have an unreasonably high payment and interest rate with Chase that - alone - is 20 % of my monthly income. If I were able to consolidate it with my federal loans, I would easily be able to make the payment every month. Instead, I am deferring my federal loans because they allow it, and paying my other private loans as I am able, but forced to pick and choose on a monthly basis which I am able to pay. I have looked into every possible consolidation option, but they all require a decent credit score. I have terrible credit as a result of student loans, exclusively. 
I have explored every possible option with Chase to lower or reduce or delay my payment. They are unwilling to work with me in any capacity, and have repeatedly shunned any effort that I have made to attempt a solution that is tenable. I budget very well, and I have attempted to raise my income in numerous ways. However, my negative credit is affecting my employment advancement, as many employers consider credit history, which in turn is affecting my ability to raise my income enough to meet all my payments. If I were able to consolidate with my federal loans, I would happily go on income-based repayment and repay the loan faithfully until it is paid in full, but this is somehow still not an option, and I did n't understand the difference when I was XXXX years old, and the interest rate was lower at the time than the federal loans, and thought I was making a practical financial decision. I am not attempting to shirk my responsibility, but there are some months when I decide between paying all of my loans/rent/vehicle, versus buying groceries. How is this right? What did I do wrong? What can I do now?
Product: Student loan

I have a variety of direct ( sub and unsub ) and stafford loans from my XXXX education that were originally through XXXX XXXX, but transferred to Navient. After completing my XXXX education, I worked for two years and then went to XXXX school. While working, I made consistent payments on the loan and I tried to set up an income-based repayment plan with Navient while in XXXX school, but was told ( incorrectly ) that it would make more sense for me financially to just defer my loans until after I complete my graduate program. In light of the recent suit filed against Navient on XXXX XXXX, 2017, I have now come to realize that my loans have been accruing interest this whole time, leading to more unnecessary debt for me, and profit for Navient. Had they not misguided me down this path, I would be in significantly less debt and making consistent payments on the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been fraudulent put on my credit reports and used to try and steal from me. I am having issues getting the title for a vehicle I own.
Product: Mortgage

I called in a complaint against Gregory Funding a few weeks ago because they were trying to auction my house. I was able to get the sale date postponed by the judge because I have an active application for the Illinois Emergency Homeowner Assistance Fund in review. Gregory responded to my complaint and said they agreed to postpone the sale ( false ) I had to hire lawyer and judge stopped it. Gregory said that they were willing to work with me if I can get the application for state program approved. Gregory said in the letter that they included a loan summary with payoff demand good through XX/XX/XXXX, but they lied -- they did not send this to me or to my Attorney and the response to the complaint was not uploaded to your site. I have included their response. I am very XXXX  and facing XXXX  XXXX XXXX  and I have authorized a friend and my son to speak with Gregory on my behalf. However, Gregory puts them on hold for 30 minutes and when they finally get on the phone tell them they are not authorized to speak on my behalf, even though i signed the paperwork. This happened several months ago when I was trying to get reviewed for modification -- Gregory would make up a new excuse every time to deny me access to available modification and forbearance programs that are available. Gregory claims that the forbearance offer they gave me which required a XXXX down payment was the only option available. I would like to review the investor guidelines for loss mitigation and also review the performance of the tranche of loans with this particular investor to determine what percentage have been modified and what types of deals they were offered? Gregory Funding has been running a grift since they first took over the servicing of my loan, adding force placed insurance on multiple occasions, even AFTER I provided documentation that we had insurance, they did it anyway. Gregory is being sued by multiple homeowners, in fact we just got a check from a class action settlement against them. I just want them to follow through and get us the documents we need for the state. My son called them today and they said that they need a payoff demand not the mortgage statement since I am behind and they are not sending me mortgage statements. I want Gregory to work with my friend that I authorized and son to help with this situation instead of playing games so they can run out the clock and foreclose on my home
Product: Credit card or prepaid card

I'd like to remove my credit card which is no longer valid ending in XXXX XXXX off Google pay and it will not allow me to remove the card I need to have the card removed as soon as possible thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i got it you XXXX
Product: Money transfers

A friend transferred money to me using Popmoney. First, the email notifying me of he transfer was not marked as coming from Popmoney so I did not see it looking for Popmoney as the transferor had identified it. After a thorough search of my emails I found it XXXX days later. When I tried to collect my funds, the website was nearly impossible to use. First, when they sent my an email that was supposed to contain a PIN number, the email did not include it. I was wise enough to try a second time and only on the second try did the email contain the PIN number. Next, they needed my birth date but the only way to select my birth date was to click a back arrow through 65 years at XXXX month per click..When I finally reached the point where I could attempt to deposit the funds, the menu to select the destination account listed the account but it was not clickable. Finally I called Popmoney and was informed that their mobile website has not been working properly and I would have to go to a non-mobile device to complete the deposit. Fortunately, I am a wealthy individual who has both mobile and non-mobile device so I was able to complete the transaction.
Product: Credit reporting or other personal consumer reports

I want reported collection accounts to be removed from my credit as I have no knowledge of them.
Product: Checking or savings account

I signed up for a Citibank savings and checking account package that included a promotion : Deposit {$15000.00} and receive a {$400.00} bonus, however I have not yet received this bonus. ( Promotion code : XXXX ) The promotion terms were as follows : - Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account - Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days ( a minimum of {$1500.00} must be in the checking account ). 
- Bonus will post within 90 days from the date you complete all of the requirements - Not eligible if youve been an owner of a a Citibank checking or savings account within the last 180 calendar days I was a new Citibank customer. I opened the account on XX/XX/2018, and deposited a total of {$15000.00} to the accounts on the same day ( {$13000.00} in the savings account, and {$1500.00} in the checking ). I maintained that balance for the required 60 days. I then waited the full 90 day period that the bonuses should have posted within. The full 150 day period ended on XX/XX/2018.

I contacted Citibank on XX/XX/2018 to inquire about the status of the bonus. The customer service representative acknowledged that I was indeed eligible for the bonus, and that I had met all requirements. I was told that a request was submitted to have the bonus credited to my account, and that I would receive it within 2 business days ( case number : XXXX ). I contacted Citibank again on XX/XX/XXXX when the bonus was still not posted to the account, and I was told that the request was still pending. It's now XX/XX/XXXX, and still no bonus. 

I would not be as impatient if I had otherwise had a good experience thus far with Citibank, however they have already performed some shady actions such as unlinking my linked checking/savings account in order to charge me fees for combined balances falling below the minimum. Also, after researching, it appears many other customers have had an issue with Citi not paying promotional bonuses unless contacted by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These following late accounts should be corrected right away : XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account DEPTEDXXXX XXXX XXXXXXXX, XXXX DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX account name XXXX XXXXXXXX XXXX XXXXXXXX account 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX. As soon as the pandemic started in late 2019, I was XXXX  and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim of XXXX.
Product: Credit reporting or other personal consumer reports

for almost 2 years and in no less than 6 different instances i disputed inaccurate information to XXXX complete with attachments of docs as evidence to support my dispute. on EVERY dispute XXXX verifies the derogatory collection account as valid. 

I've lived in California for several years including all time i disputed this info with XXXX and I'm still a resident of California today.. 

the collection I've been disputing with XXXX is MCM midland credit management. they are a debt collector that bought this alleged debt Violation of the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) MCM IS NOT LICENSED TO COLLECT DEBT IN THE STATED OF CALIFORNIA MCM violated the RFDCPA by engaging in collection activities in California without a valid license As evidenced by an email sent by MCM dated XXXX and again on XXXX proving 2 years of continued illegal collection activities in California ( See XXXX and MCM email XXXX )
Product: Credit reporting, credit repair services, 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 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 XXXXXXXX 15 USC 1681 Section 604 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account written consent.
Product: Debt collection

I have called and emailed American Adjustment to remove a debt to XXXX XXXX XXXX that was paid and settled in Small Claims The action was withdrawn and released, but American Adjustment will not remove it
Product: Vehicle loan or lease

My vehicle was repossessed without knowing it was up for repossession. I had recently made arrangements for a XXXX payment and a XXXX $ fee payment for a extension. When I contacted them by thru their website chat I was then told a different amount. I asked the representative of they could look into it because I was prepared to pay the agreement that was made. The representative told me no and that I had to pay XXXX $ instead of XXXX. Then today I look out the window and see the vehicle with my belongings being towed away. There has been billing discrepancies for a while now which led to this situation and this repossession was unwarranted and illegal I believe.
Product: Checking or savings account

I had a savings account at HSBC bank with a little over {$1000.00} in it. The company closed my account and took my money. Theyre saying my account now has a zero balance.
Product: Bank account or service

BANK OF AMERICA did not contact me. 

I am attaching the relevant document. This is an addendum to the prior case filing, out of an error in the filing. Thank you. This is not a new filing.

$XXXX is insufficient, given what is attached. 

"In addition to seeking redress under the FDCPA, the CFPB said that it is using its authority to regulate unfair, deceptive, or abusive acts and practices (UDAAP) in the financial marketplace under the provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act."  

Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the Equifax hack. I just checked my credit score and it is down XXXX points. I am actively trying to repair my credit in the hopes of buying a house soon. This will set me back and I am not pleased.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a capital one credit card.In XX/XX/22 I purchased an air conditioner online with my card. I found out the next day that the company was fraudulent. I notified Capital One of of this.They froze my account while they investigated the company website. In XXXX after I made my payment on my account it left a balance of {$210.00} which matched the amount I had in rewards cash.So I thought they would go ahead and unfreeze my account and take the rewards and pay off my balance.But they havent and every time I call to resolve this issue.All they want to do is argue and wont tell me when my account can be reopened so I can close my account. I ripped my card up long ago.They wont open it back up so I can put this behind me.And to add salt to the wound they have tried to destroy my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up request in line with my previous complaint last XX/XX/2023, the items I am disputing must be removed or blocked in my file to prevent further more damage to my credit report. Here are the items mentioned : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} The addresses lis

ted above are not my current address, These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Product: Credit card or prepaid card

I saw an article that President Donald Trump proclaimed this week as National Consumer Protection Week so I decided to check my credit report as suggested. I noticed I was marked previously past due or late by being 30 days past due on XX/XX/2017 and 60 days past due XX/XX/2017. I had thought I made my payments on time and didn't realize I was ever late.
Product: Checking or savings account

On XX/XX/2024, I received a check from Bank of America that was from the closure of my prepaid Bank of America XXXX  card account issued from XXXX XXXX XXXX XXXX. Upon receiving this check, I went to a local Bank of America branch to cash the check which was also issued from Bank of America. I was told by the bank representative that, since I was NOT a member of the bank, they could attempt to cash the check however, there are limits to the amount allowed to cash for non members and, I would not know what the amount would be until after the check gets ran thru a machine which will spray ink all over the check and could ( would ) prevent me from cashing the check somewhere else if they weren't able to cash it at that time.

I asked if there was any other option and the bank teller informed me that I could open an account, become a member then I could cash the check without the limit or possibility of not being able to cash it.

I agreed to open the account. However, I was then told that while submitting my application to open a checking account, the system used at the branch was returning a " alert '' on my profile that would need to be cleared in order for me to open the account.

The bank representative and I called the fraud department which was the department listed on this alert to contact. The phone number was ( XXXX ) XXXX. 

We spoke to several different agents a total of approximately 10 times and were informed that the alerts that were on my account were cleared. They were due to the monthly maintenance fee for a checking account I had opened 4 years prior and never used the account so, Bank of America closed the account but charged me the monthly maintenece fee even tho I had never used the account.

The agent in the fraud department cleared this alert stating I would now be able to open an account without any issues and cash my check. However, the system wasn't clearing the alert properly for the local branch and their computer system to continue with opening of the account.

The bank tellers would not assist me any futher for no reason other than " there is an alert that needs to be cleared ''.

Again, the fraud department has cleared all alerts and they said I AM APPROVED TO OPEN A NEW ACCOUNT!

After contacting several managers of Bank of America and attempts in multiple ways to satisfy this matter ( whatever it is ) I was not given any options. The employees seemed careless and just wanted to move on to the next customer without helping me or resolving the problem.

I want to be able to take my BANK OF AMERICA CHECK into a local BANK OF AMERICA and cash it!

I also want to be able to open an account especially when I am not able to because of an alert that HAS BEEN CLEARED!

I feel like I am being discriminated against or treated with unfair and unethical practices.