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

I contacted XXXX XXXX due to the fact that there were several non-mailable addresses, phone numbers emails, several different names that did not apply to me And ask them to remove them from my credit report, as well as ask them for the third-party agencies that shared this information and violated the privacy act of 1974 XXXX XXXX did remove them from my account but would not share the third-party agencies as to. I am eligible for compensation at {$1000.00} per violation from this company and I am looking for my compensation. There was XXXX items removed from my account that I am owed compensation for as well as the physical and emotional distress. This has caused me from being denied due to these items, being on my account and impacting me and many different ways! I am looking to report these companies and also collect compensation due to this. I believe I am owed XXXX for the XXXX items and another {$8000.00} for emotional and physical distress for a total of {$27000.00} from XXXX. They have violated these statues and rights and violations of privacy information and I Opd out of this! As well as reporting payment history which is illegal and charge offs which is a certificate of inedebtness and is reported as income and is not reportableXXXX XXXXXXXX, XXXX, and Experian have all violated these laws and I would like compensation for that as well {$1000.00} per violation I am counting over XXXX violations on my credit report, as well as a physical and emotional distress due to not getting fair credit they are all guilty for violating the privacy act of 1974 and many other federal laws and they have over XXXX inquiries on each creditors report that are illegal a well! 


Rights violated - Privacy act of 1974 Ucc 1681 Ucc 1692 15 usc 6802 -6805 16cfr 313 16 car 433.2 & 3 15usc1692
Product: Mortgage

I WAS ON A PAYMENT PLAN WITH THE MORTGAGE COMPANY AND WHEN I CALLED TO MAKE MY PAYMENT IN XX/XX/XXXXAND WAS TOLD THAT I DIDNT HAVE TO MAKE THAT PAYMENT BECAUSE BECAUSE THEY WERE GIVING ALL THERE CUSTOMERS 3 6 ARE 12 MONTHS DISASTER FORBEARANCE DUE TO HURRICANE HARVEY. I WAS GIVEN A 6 MONTH FORBEARANCE WITH NO PAYMENT, BUT INFORMED THEM THAT I WOULD PAY XXXX A MONTH INSTEAD OF NOTHING. I WAS TOLD THAT AFTER THE FORBEARANCE THAT I WOLD RESUME THE REGULAR REPAYMENT PLAN ARE THE WOULD EXTEND THE FOREBEARANCE AN ADDITIONAL 6 MONTHS. AT THE END OF THE FOREBEARANCE I CALLED TO MAKE THE PAYMENT AND INQUIRED WHEN WOULD I RESUME THE REPAYMENT PLAN ARE IF THEY WERE GOING TO EXTEND THE FOREBEARAC E. I WAS INFORMED AT THAT TIME THAT NONE OF THAT WOULD HAPPEN, I HAD TO BRING THE LOAN CURRENT, ENTER INTO A NEW REPAYMENT PLAN THAT WOULD DOUBLE ARE BE FORECLOSED ON. I THEN INFORMED THEM OF WHAT I WAS TOLD AND WAS TOLD THAT WHEN THE FOREBEARANCE WAS GIVEN THE INVESTOR DIDNT KNOW WHAT THEY WERE DOING AND THAT THERE WAS NOTHING I COULD DO. I WAS THEN TOLD THEY WOULD GIVE ME A FLEX MODIFICATION, WAS CALLED ON XX/XX/XXXX AND WAS TOLD THE MOD WAS APPROVED AND I WOULD RECEIVE PAPERS IN THE MAIL. ON XX/XX/XXXX I RECEIVED AN EMAIL SAYING THE MOD WAS DENIED. I THEN NOTIFIED THE LENDER ONXX/XX/XXXXAND WAS TOLD THEY DIDN'T KNOW WHAT I WAS TALKING ABOUT AND THAT IT WAS A FRAUDAUNT CALL. I AM SO CONFUSED, BECAUSE THE CALL DID COME FROM THEM AND I CALLED THEM BACK ON THE SAME NUMBER THEY CALLED ME FROM. THEY FINALLY SAID THEY CALLED ME, BUT SPOKE WITH AN ANSWERING MACHINE. NO, YOU SPOKE WITH ME. I WAS THEN CALLED BY ANOTHER REP AND WAS TOLD THEY HAD USED THE WRONG APPRAISED VALUE TO DO THE MOD AND THEY HAD COME UP WITH ANOTHER VALUE, BUT I HAD TO PAY XXXX  FOR AN APPRAISAL TO GET THAT OTHER VALUE, BUT WAS TOLD THEY MAYNOT USE THAT VALUE. WHY TELL ME THAT THEN. I WAS THEN TOLD THEY WOULD SEND A NEW MODIFICATION PACKGAGE OUT FOR ME TO FILL OUT TO DO A DIFFERENT TYPE OF MOD AND AS OF TODAY XX/XX/XXXX I STILL HAVE NOT RECEIVED IT. REACHED OUT TO THE LENDER AGAIN INREGARDS TO THE MOD PACKGAGE AND WAS TOLD BY A REP THAT WAS NOT AN OPTION FOR ME. REACHED OUT TO FREDDIE MAC THE INVESTOR AND WQAS TOLD THEY WOULD REACH OUT TO THE SERVICER TO GET ME A PACKGAGE OUT. THESE PEOPLE ARE SO RUDE AND NOONE KNOWS WHAT THEY ARE DOING AND EACH STORY IS DIFFERENT. PLEASE HELP ME, I DONT WANT TO LOSE MY HOME, ALL I NEED IS ASSISTANCE FROM THEM TO MODIFY MY LOAN AS PROMISED IN THE BEGINNING
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact wXXXX XXXX XXXX  and they do not have information pursuant to XXXX XXXX XXXX. They are XXXX, badgering my credit with no explanation on an erroneous alleged chargeoff.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Dear Cfpb, I am writing to inform you that ACIMA DIGITAL FKA SIMP debt collection practices are in violation of several laws, including the Fair Debt Collection Practices Act ( FDCPA ) and California state laws. 

Firstly, ACIMA DIGITAL FKA SIMP agency has engaged in false representation by misrepresenting the amount of debt I owe, threatening to take legal action that you can not legally take, and using deceptive tactics to intimidate and coerce me into paying. This is a clear violation of the FDCPA, which prohibits debt collectors from making false or misleading statements in an attempt to collect a debt. 

Secondly, ACIMA DIGITAL FKA SIMP agency has threatened to sue me in a non-home state, which is also a violation of the FDCPA. The law prohibits debt collectors from threatening legal action that they can not legally take, and from initiating legal proceedings in a jurisdiction that is inconvenient for the consumer. 

Finally, ACIMA DIGITAL FKA SIMP agency has violated California state law restrictions on debt buying and selling. The law requires debt buyers to be licensed by the state and places restrictions on the types of debts that can be bought and sold. It appears that your agency has purchased my debt in violation of these regulations. As well as threatening to illegally seize property. 

I demand that you immediately cease all collection efforts and remove any negative information from my credit report. Failure to comply with these demands will result in legal action being taken against your agency. 

Please be advised that I am aware of my rights under the FDCPA and California state law, and I will not hesitate to take legal action if necessary to protect those rights. 

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

As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy a bona fide and verified claim must be presented. Therefore, I am conditionally accepting your offer as noted above, upon : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof that XXXX, C/S CARE DEPT is owed money, 7. VARIFIABLE Proof of a signed contract showing the terms about the debt, 8. VARIFIABLE Proof of that XXXX owns the debt/or has been assigned the debt. 
9. VARIFIABLE Proof of a copy of a true bill from the original creditor, 10. VARIFIABLE Proof of a complete payment history, starting with the original creditor, 11. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application, 12. VARIFIABLE Proof of a copy of a canceled check from XXXX XXXX XXXX to the original creditor.
Product: Bank account or service

On XXXX XXXX, 2016 I called Pentagon Credit Union customer service to learn about the mortgage and auto loan products. XXXX, the person that attended me by phone, told me that in order to apply for a loan in PenFed I had to open a bank account. XXXX told me that in order to open an account they had to review the credit report and I clearly told her that if it was a " HARD inquiry '' I did n't want to because it will affect my score and I was buying a home. She told me that the inquiry was a " Soft '' but anyway she was going to check. After a while waiting by the phone XXXX confirmed me that the inquiry was a " Soft '' inquiry and because of that I opened the savings account. 
These days, monitoring my credit, I discovered that indeed a " HARD inquiry '' was made by PenFed. Yesterday, XXXX. XXXX, 2016, I called customer service and talked to XXXX the supervisor and require her to remove the inquiry immediately because it was unauthorized and affected my score. XXXX told me she verified with the department in charge to see if they can remove it but they told her they CA N'T. 
I 'm very upset because XXXX provided me with incorrect information and because of that my credit score lowered and now I have trouble buying a property that I optioned. 
XXXX told me they can send me a letter notifying that the inquiry was to open a savings account and when I ask her to include that it was n't supposed to be a HARD inquiry she told me she could n't include that. That letter does n't help me eliminate this from my credit bureau and does n't increase again my score that is what worries me more. 
I called the credit bureaus and the told me that PenFed is the only one that can notify the error to the bureaus so they can eliminate it. If they do n't do that is going to stay in my credit for 2 years. 
Please, notice this was an UNAUTHORIZED HARD INQUIRY. To do this they should have a verbal or written authorization and they do n't have it. I was clear about that.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I found inaccurate information on my credit report from Oportun a charge off. I requested the company to validate my information. I requested a signed agreement showing my signature that I requested to do business with them. The company has failed to send me any information. This account is still showing on my credit report. XXXX has done nothing about my dispute.
Product: Credit reporting or other personal consumer reports

I instructed TRANSUNION to investigate XXXX XXXX a collection account on my consumer credit report. After the investigation the account was not marked as disputed by the furnisher of information for the account.FRCA VIOLATION! 
The XXXX XXXX account was add to my consumer credit report using identification without my permission
Product: Student loan

I have been in school and am still in school. I am completing my PhD program ( am in my dissertation process ). Because I am not considered part/full time, my financial assistance has stopped, which means I am paying {$150.00} per month to remain in school and my student loan payments have picked back up. I have applied for the SAVE program with my Federal Loans and it seems as if my payments are {$0.00} because I don't make enough money to make my payments. I was not working prior to XXXX and had told Navient that I could not make my payment. Their suggestion was that I borrow {$50.00} from someone to defer my payments. I told them I had nobody to borrow from and I needed them to put that in their notes so that the phone calls could stop. I was receiving upwards of XXXX phone calls per day for the past year and a half ( after my bankruptcy was cleared ). I would block one phone call and another would come through from a different phone number. I would answer and have the same conversation. Back in XXXX I talked with a customer service rep and the conversation began as it always had. It took a turn when she would not stop speaking over me and my temper got the best of me. She told me deferment would only get me current through the end of XXXX, that I had until the end of the month to make that payment. The calls were not going to stop because I was 6 months behind on my payments. She also said that because I was yelling at her she was going to hang up on me, despite her rudeness with me and her yelling and speaking over me, not allowing me to talk. She made me feel like a delinquent who never paid her bills on time. I asked to speak with her boss, but conveniently her boss had left for the day and she refused to find anyone else for me to speak with. We hung up the conversation and I called back in tears asking to speak with a manager, anyone but her. I was informed that the lowest payment they would accept on my {$5000.00} personal loan, no matter my financial situation, is {$76.00} because it is a private loan. Once current I must always be on time. I mentioned that I had read many articles about how " Navient screws their customers, but how I had hoped it wasn't true, '' but she didn't even respond to the comment. If I am even a day late on my payment, the 10+ calls per day from all over the US start back up relentlessly 7 days per week!!
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I initiated an international money transfer through Paypal on XX/XX/XXXX with transaction ID XXXX. 

I requested to pay XXXX {$2000.00} to my recipient in XXXX through my XXXX XXXX credit card. I checked to make sure that the " they receive '' amount is XXXX {$2000.00}, and I checked with XXXX XXXX XXXX to make sure the exact equivalent USD amount I was going to be charged. XXXX told me the currency conversion will be done through them, not Paypal, and that I shall NOT see any FX transaction fee. I then initiated the transfer, before which I MADE SURE THAT NO ADDITIONAL CHARGE ( EITHER MY OR RECIPIENT 'S SIDE ) WAS REVEALED TO ME. 

However after my recipient received the payment, she was charged XXXX {$74.00} fee which was totally unexpected. I checked my XXXX account and made sure that the actual amount that I was charged matched the amount that I was told by XXXX earlier. I then called Paypal to check what's going on and their agent told me 2 things : 1. It's an international transfer so they charged the current conversion fee. I denied that immediately saying that I paid with XXXX XXXX so I was actually charged XXXX {$2000.00} with my card and the FX conversion was later done by XXXX, NOT Paypal. They had no right to charged the so-called " current conversion fee ''. 

2. After the first point, the agent came up with some other theory saying that it's an international transfer so someone has to pay for the fee. I told her that I was neither informed of any existence of any hidden fees nor was I presented with any fee schedule, on my Paypal transfer page. The only thing that I saw was an unexpected charge, and I don't think this conforms to CFPB rules. The agent refused to honor or comment on any of the points that I mentioned, but just kept saying someone will have to pay and then cut me off.
Product: Checking or savings account

I have filed a police report against this person. How can you conclude no error has occurred when I have given you the police report information and a copy of the police report. that alone should show that these transactions were unauthorized and change the decision and return my money back to my account. But instead your business still clearly refuse. 

I do not understand what this company does not understand about that the two transactions for XXXX and is a total of XXXX was stolen from me and that not one police report was filed but two. I have given them the police department information and also a physical report of this. Now I have requested the document from them how they came to this decision on this on several of the 10 rebuttal I have already filed with them. The answers on each are different and over half of them are filled incorrectly. And the police report questions is always blank or states I have not. Which is 100 percent wrong. Because one has been filed. So I would like them to explain to me in detail how and why they keep denying to give me back my money that was stolen from my account. I am in extreme finical distress over this, I am not a fixed income and I don't have the means for someone to just take my bill money because they feel like they can get away with it. Its not like I am asking the bank for millions of dollars here just what was mine to begin with. This needs to be resolve and in my favor. Have a XXXX heart. I have been dragged through the mud and to top it off I just had 3 deaths one after the next in my family, the last was my brother. So I am really at my wits ends and just want to start the new year on the right foot and having my finances in order would be a great start. 

Chime is clearly in the wrong here and shows that you do not listen nor value your customers. If you did you would not have them running around trying to get by njust because someone stole from and a banks fraud department seems to be ran by monkeys because you don't even bother to look at the evidence and see that this was theft. All I want is the XXXX that was taken out of my bank accounts unauthorized by this person and I will stop hassling you. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm filing a complete against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices which violates the consumer financial protection act specifically cash out the failed to take timely and effective measures to prevent and address fraud on their platform leaving my information vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress of these violations
Product: Mortgage

After reviewing my disclosures provided by my lender of choice XXXX XXXX, I decided to do my own research into choosing a title company and settlement agent to obtain the best offer and rates on services on a new construction home being built by a large National Builder. CalAtlantic Homes. After receiving quotes and offers from different companies I made my choice and provided that information to my lender. The title company that I chose did their due diligence and after reviewing the fine print of my contract noticed I had 10 days from the date of my contract to choose a settlement agent otherwise I had to use the builder 's chosen title company which as you would imagine is,  CalAtlantic Title. The attorney at the title company explained that I likely had no ability to change at this point as he has dealt with the builder before and they will always point to the contract and stand by what 's in it. I reached out to the original sales agent who I signed the contract with and explained my displeasure on not having a choice and that 10 days from contract on a new construction home is unreasonable given that the house will. It be built for months. I also explained that I had done research on read that I can not be forced directly or indirectly to choose any settlement agent. He spoke to " someone '' and advised that unfortunately it was in the contract and that 's what I had to use. This unfortunately creates an advantage to the builders title company to not only have virtually all the business since no one will likely read about the 10 day window but also will allow them to charge whatever fees they like and not have to be competitive as the consumer will have no choice on changing. Also in the contract the builder charges {$200.00} a day of the customer can not close on time yet there is no penalty for the builder if they change a closing date as has already happened twice. I fear their contracts are extremely one sided and give the consumer little choice and power outside of what options to pick for granite and color schemes.