23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First of all, I am wondering how XXXX XXXX XXXX is still in business running the same scam as before the CFPB sued them. They did not speak with several of my loan companies at all and by the time they realized that two of them wouldn't work with a debt relief company I was already over 8-months behind in payments and catching up put a huge financial burden on my family and I had to take money out of my 401K ( and the tax penalty ) to catch up the payments. Because, not only was the payment per month to XXXX not being adjusted for the accounts that wouldn't settle, I was now having to pay 3 companies more than I was paying prior to signing up with XXXX and their monthly fee. I was also sued by a credit card company because they didn't negotiate in time. Then when I was told my last payment would be in XXXX, they extended the program to XXXX because I still owed them fees. We decided to take out a Home Equity Loan to pay them off once and for all because I took all but one of my debts out of their program was told that all I had to pay was {$780.00} and would never have to deal with them again, called in today and all of a sudden they said I owed upwards of {$1600.00} to pay them off. She eventually corrected the amount to {$800.00} but still not what I was told just last week. This entire company is a scam. They wouldn't let me leave last year and take the settlement to XXXX, who, by the way, is a much better and more client focused debt relief company, because I had a structured settlement. And that settlement was for 50 % of the debt I owed but the fees they charge, 25 %, make this program almost useless. Why settle if you are just going to charge that amount in fees. I am unclear how the CFPB allows this company to continue to scam people. I have lost over {$2500.00} with them and even though I am paying them off in two weeks they told me I had to continue to pay my monthly payment until XXXX so I had to make a special request for them to halt my automatic payments they have coming out twice a month.
Product: Credit card

On XX/XX/year>, Barclays Bank approved my application for the Wyndham Rewards Earner Plus Card, which I have used responsibly and paid on time since then. I also maintain another Barclays credit card account in good standing, with a perfect payment history. Despite this, Barclays recently and unexpectedly blocked my access to both accounts, preventing any further use. They are now demanding sensitive personal information, such as my passport and driver 's license, as a condition for reinstating accessa request I have never encountered with any other credit card issuer. 
Furthermore, Barclays refuses to close my account without this information, implying that I will continue to be charged the annual fee despite being unable to use the card. This practice is entirely unreasonable.
Product: Mortgage

I have been paying on time for the last XXXX years a HELOC with TD Bank. Back in XXXX 2015, the bank sent me a letter stated that the terms of the loan will change and I will have to pay the loan in XXXX years with a payment XXXX times higher than the original. I 've been trying to refinance, change the loan terms, a modification, all without success. I am already in default for XXXX months and the bank sent me an intention of foreclosure of the property. This is a XXXX home that is rented and I share ownership with my brother ; the main mortgage on the property is paid off. I do n't understand why the bank do not approved a modification and help me with an affordable payment.
Product: Vehicle loan or lease

During the month of XX/XX/2017 on the way back from my monthly XXXX XXXX drill my motorcycle was stolen. I called my insurance company to file a claim and called my financial lender for the loan and let them know that the motorcycle was stolen. There was an investigation done by XXXX county sheriff and the outcome was the bike was uh unable to be recovered. The motorcycle was installed with a XXXX device which was part of the loan agreement when it was financed. To my surprised the XXXX that I was charged for was never activated and thus made the probability of locating the motorcycle nearly impossible replied the detective handling the case. I went through financial hardship paying for transportation because I no longer had a vehicle to take me to work, school etc. It took nearly 4 months for this company to receive a check from my insurance company due to extremely poor customer service. There was a total of 4 checks mail to the my financial lender finally paying the complete remaining balance of the loan. I wrote a good will letter explaining my hardship that I was struggling not having a vehicle and no leniency was given. During this process of my motorcycle being stolen cause you not able to make payments. My account was reported late to the credit bureau causing my credit score to decrease dramatically.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.

- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. 

XXXX. XXXXonsumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies XXXX e.g., XXXX XXXX XXXX XXXX XXXXXXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

XXXX. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice.

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. 

XXXX. XXXX*CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/year>, highlighting concerns about the industry 's compliance with the law. 

XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress. 

XXXX. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. 

XXXX. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Student loan

I requested that Fedloan Servicing refund my payment of my student loans in the amount of XXXX. I called them multiple times making sure that my request was initiated, which they confirmed, it has been more than a month and have not received the refund.
Product: Credit card

Having consistently met payment deadlines, it is disheartening to find an error indicating a late payment on my account. This oversight is causing unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Product: Credit reporting or other personal consumer reports

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

Despite my submissions, Equifax consistently responds within XXXX 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, Equifax 's 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, Equifax 's 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

i NEED to connect my bank to my XXXX account ASAP.
Product: Debt collection

I have received ON AVERAGE 2 calls a day from Portfolio Recovery Associates. I called them back to see what they could possibly be calling for ( I have no debt to be collected ) and after giving my name they said they had the wrong number. I was HARASSED for months for something that was not even meant for me! This is beyond frustrating and should NOT be happening!
Product: Mortgage

My home is being illegally foreclosed on. The banks used fraudulent activity such as robo-signatures in order to foreclose. I have tried several times to re-modify but the bank denies my request. The information is always incorrect to make it look like for one reason or another I can not qualify. When in actuality I should qualify for more than one of the federally funded programs. I have a second job/new full time job with XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Creditor Name : XXXX XXXX Account Number:XXXX Date of Charge Off : XX/XX/year> Amount : {$1.00} I have previously disputed the accuracy of this collectiom account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account collection my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely,
Product: Debt collection

This company reported that I owed medical bill. This company reported they have contacted me twice and left a message. Never got any messages. This company reported that I sent them something by fax. I do not own a fax machine. All my correspondence is done my mail which is a paper trail for me. This company stated they have sent me several letters. I only have received one letter with my diagnoses. This company has refused to validated because they are right. I feel like this company is violated the FCRA as a consumer and they are getting away with it.
Product: Credit card or prepaid card

Applied for a Lowe 's credit card ( Synchrony ) and although I don't actually need it I feel disrespected by their made up " XXXX XXXX ''. I know for a fact my credit is in the very good/excellent range. They failed to take ownership and claimed/blamed it on the information recieved from the credit bureaus which I monitor constantly. After analyzing the situation I realized that whenever these " companies '' do this type of thing the normal reaction will be to and try to see if there are some derogatory marks or try to get the XXXX XXXX XXXX. You would think that's an easy task? Yeah as long as you're willing to " verify '' ( provide enough information to be scammed XXXX and of course pay something XXXX free trials, sure ). 
I feel it is a shame and it's basically disgusting to me to see every single financial institution trying to collect as much liquid assets XXXX at least for a short period of time ) during a XXXX and XXXX crisis. In example XXXX XXXX XXXX taking back millions in claims for 90 days without a valid explanation or even gas stations " holding '' hundreds of dollars at a time for several days. Beware and try to take advantage of the very few actually free services that are left still. 
I am not interested in the stupid card but would like to see transparency or a made up score that ACTUALLY reflects my credit history. My credit has Not been below XXXX EVER.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX, account XXXX, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Credit card

XX/XX/year> XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL. XXXX Discover Bank/Card [ Fraud Department or Billing Inquiries Department ] RE : Account Number XXXX XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$3400.00}, and posted on multiple dates. I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
[ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, XXXX XXXX Enclosures :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to The three ( 3 ) major credit bureaus and XXXX XXXX account number # XXXX, to validate this account, and received no responses. 
On XX/XX/XXXX, I sent another certified letter to the three bureaus and XXXX XXXX, account number # XXXX, once again to validate this account and once again they failed to validate this account within the thirty days allowed according to the " Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) '' And they are now in violation of XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX. XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto has been repossessed since XXXX, in XXXX of XXXX there was a XXXX amount added to my outstanding balance, in addition to this while I had the vehicle and made payments over the phone they charged a fee XXXX that I was always told would be credited to my account. I was told in XXXX by my salesman that my credit score was below 500 and at the time of purchase did not have a valid driver 's license, I paid gave my salesman XXXX down and had to give him an additional XXXX some of which he said was a loan origination fee. There has been a class action lawsuit against Santander that includes 34 states but not Missouri. This account has continued to do damage to my ability to do anything!!!! THIS ACCOUNT IS BEING REPORTED AS A NEW LATE PAYMENT every month DURING A NATIONAL PANDEMIC ... AND VIOLATING THE " C.A.R.E.S ACT ''
Product: Checking or savings account

On XX/XX/2023, I opened a savings account which had a promotion. I asked the company both by phone & by chat for copies of the Client Manual, Marketplace Addendum, Rate Disclosure Sheet, Fact Sheet for Personal Information, & the Access Account Package for the account which I had just opened online. I was told that I was not entitled to these documents. I continued to complain the following day, that I was entitled to access these documents. I was told repetitively that I could not read online or see these documents. Finally a supervisor did send me copies of the documents that I was requesting. I also had googled these documents, & found them online with no help from the company. 

Then after reading the documents, on XX/XX/2023 as was stated in the banks Client Manual-pages XXXX I mailed my Notice to the company to " opt out '' of the Arbitration Provision. The company only allows this within 45 days of opening an account. So I also requested confirmation of receipt from the company in my Notice letter. 

After a couple of weeks, I did not receive any confirmation. So I called the company again. I was told to wait longer. I told them that this was time sensitive. I continued to call, & finally was able to speak to a supervisor who suggested that I mail another letter. 

I opened a checking account with a different promotion, on XX/XX/2023. I also mailed a new Notice for " opt out '' of Arbitration for both accounts, with dates of opening, account numbers, my name, address, email, full explanation + signature. 

Yet as of XX/XX/2023 the company denies receipt of any documentation sent from me. I have escalated this issue twice & I was given some numbers to confirm that I had called. But I was told today by another supervisor, that there is no record that I've ever called about this issue. 

So, on XX/XX/2023 I filed a formal complaint over the issue with the company. I was given a case #. But since no one has reached out to me with the other 2 escalations, or even documented my calls, I really don't expect to hear from them. 

I am filing this complaint with the CFPB. 

I do plan to mail yet another Notice of " opt out '' of Arbitration. Only this time I will spend the extra money to have the letter tracked and signed for, when received. 

And after all of this, if the company does not acknowledge my Notice, then I will close out my accounts. Any bank that goes to this much trouble to hide information, as well as misplace documents has no business handling funds of any kind. They can't be trusted. I have wasted countless hours on the phone to customer service people who have no idea of even what Arbitration is. I did not expect this at the supervisor level.
Product: Money transfer, virtual currency, or money service

I purchased auto parts from a individual using XXXX for the sum of {$1800.00}, I never received my items and when I spoke to XXXX they told me to file a dispute with my bank Wells Fargo then declined the claim with no explanation.