23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently logged into my chase account and saw that my account status is : account closed. I didnt know why so I called customer service and they told me because of the number of disputes on my account. I literally make sure to use my chase credit card when making big purchases online in case of anything going wrong I know I can rely on my credit card to protect me. Recently I had purchased some things for my business and XXXX recently large purchases. XXXX was for {$2000.00} and another for {$1000.00}. The first purchase I received a different bag from XXXX so I contacted the merchant and they refused to help so I filed a dispute and won. The second purchase was an online store in XXXX and they sent me a fake branded bag. I disputed the charge and I provided information about returning the bag back to the merchant and chase refilled my account. I called over and over to ask about why and I provided tracking that shows I sent back the item and chase says now theyre still working on it. But they closed my account without warning. I thought I could use my credit card because it protects me from online scammers and purchasing goods. But now Im stuck. Ive had this account for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN KEEPS SENDING ME THE SAME MESSAGE AND IS NOT ADDRESSING MY ISSUES PERTAINING TO IDENTITY THEFT,
Product: Debt collection

XXXX XXXX showing bill owing of {$71.00} This all started when we RETURNED our Equipment in XXXX, Calif. to the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been affected by the Equifax Data Breach. There are discrepancies throughout all of the major credit profiles such as XXXX, Equifax and XXXX. My information has been released without my consent. These several inaccuracies within my credit profile need to be rectified and need to show the exact same through out each.
Product: Payday loan

I am a XXXX of XXXX years old. I applied for a loan on line and was granted a {$1000.00} loan. I signed the papers and loan documents but did not realize that they would charge me {$500.00} per month for a total of {$8000.00} ( for a {$1000.00} ) loan. I was and am totally confused and want to pay back the original amount and stop this predatory lending ... ... ... ... ..I put a stop payment on any check ( ACH ) that would be submitted by them. I was taken advantage of in the most predatory way and actually forgot I applied for the loan. 

The name of the company is called " Big Picture Loan '' and the phone number is XXXX XXXX XXXX The loan was taken out XX/XX/XXXX/XX/XX/2016. They called me and told me I had to pay them {$500.00} and a total of {$8000.00}.
Product: Mortgage

My mortgage was sold to Mr. Cooper and they are overcharging me for my monthly escrow payments and are refusing to update or provide a breakdown of what they are charging and why. I believe I am being overcharged by ~ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I am writing to file a formal dispute regarding violations of consumer protection laws by PBCAPIGRP original creditor XXXX XXXX  XXXX. The following laws have been breached in their dealings with me : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681-S 2 ( 7 ) ( A ) and 15 USC 1681 ( e ) ( b ).

The collection account on my consumer report with this institution is a charge off/collection with a balance of {$1400.00}. Which is inaccurate and a clear violation to 15 USC 1681 ( e ) ( b ). I am disputing owing any and all debts to this collection agency. I also revoke all rights of them communicating with me through email/text/calls. I am requesting a debt debt validation. I also am requesting the purchase agreement between PBCAPIGRP and the original creditor XXXX XXXX  XXXX. I also request that PBCAPIGRP furnish proof that they are licensed and bonded. 


According to 12 CFR 1006.34 ( b ) ( 5 ), defines the validation period as the starting point of the date the debt collector provides validation information required by 1006.34 ( c ) and ending 30 days after the alleged consumer is assumed to receive. However, PBCAPIGRP has failed to comply with this regulation by placing this collection on my consumer report without validation. 

Furthermore, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) mandates that the consumer be given a right to dispute inaccuracies. Despite this requirement, PBCAPIGRP has not given me a chance to dispute this account. 

Additionally, collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all required disclosures by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to remedy the violations committed by PBCAPIGRP. Please keep me informed of any developments regarding this dispute. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Today, after my work hours of XXXX, I went to deposit my payroll check to my Wells Fargo N.A XXXX account. I have had this account since XXXX, XXXX. However, multiple barriers posed problems for me and I am concerned that WF is not fairly accepting my deposit. If I can not use my money and if I incur charges ( overdraft fees, etc ) then WF stands to gain. 

Obstacles included : -Website access was limited for unspecified reasons. 
-Rejected password; required a reset of password even though I have a password application and have used it for 10 years. 
-Authenticator code they provided on my cell phone was incorrect ( it wasn't ). 
-Amount of check was entered incorrectly ( it was correct ). 

Also, their website instructions are to endorse the check and write " For WF XXXX Deposit Only '' but if their website is down, then they would be allowed to reject the funds to my account if I attempted to drop it through the ATM because it would no longer be for mobile deposit. It's possible that WF is making money on charges by its software/mobile app by not accepting your deposits and that would be unfair practice. 

Is there anything that CFPB can do? Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've not only disputed a debt that is not mine with TransUnion but have also had the bank that they claim " reported '' the data has been working with me to prove the data is not mine. Today I receive a letter from TransUnion saying they verified the information was mine but according to the bank XXXX XXXX  XXXX XXXX XXXX, TransUnion never requested information regarding any account under my name or social security number. Thus TransUnion continues to report wrong information on my credit. 

I've filed dispute in the past where they had wrong information on my credit ( never had the issue with XXXX  and XXXX  XXXX. When I called today the lady I spoke with not only was rude but also informed me that " It's not possible for wrong information to be reported on your credit. '' After I explained that it was and still is impossible to obtain a home loan at the age of XXXX she said " It's your account, it doesn't matter if you opened the account or not. '' TransUnion refuses to accept facts in this case and furthermore the lady had also informed me that a dispute is " Not to be used to verify accuracy of information '' I want this on file with the CFPB before I start filing suit as TransUnion will NOT accept any evidence, in the past I've sent certified copies of my IDs, Social Security Card and Birth Certificate, today the lady called me a liar and said I had to prove who I am again. 

TransUnion doesn't take matters like mine seriously, again they are the only credit agency reporting the wrong information and they refuse to fix it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that Westlake Financial Services cease the continued negative impact on my credit report regarding a vehicle loan I had with your company over seven years ago. Despite my repeated efforts to resolve this matter amicably, your company has refused to cooperate, leaving me with no choice but to escalate this complaint. 

At the time of purchasing the vehicle, I was a XXXX XXXX student with limited financial resources. I made a {$7000.00} down payment and was committed to paying nearly {$900.00} per month. Unfortunately, I experienced XXXX XXXX XXXX  challenges, including XXXX, which ultimately led to the loss of my job. Realizing I could no longer afford the payments, I proactively contacted XXXX XXXX to explain my situation and notify you that I would be unable to continue paying for the vehicle. 

Instead of offering any support or alternative solutions, your company repossessed the car without prior notice and failed to return my personal belongings, some of which were of significant value. This lack of communication and disregard for my property was both unprofessional and distressing. 

In the years since, I have attempted to settle the outstanding balance in good faith. However, I was told that even a settlement payment would not prevent further damage to my credit unless I paid the full {$17000.00} you are demanding. This approach feels punitive, especially given my efforts to resolve the situation responsibly. The information reported on my credit file is incorrect and does not reflect the reality of the situation. 

It has now been over XXXX years, and this debt continues to severely affect my credit standing, preventing me from rebuilding my financial life. Everyone deserves a second chance, but your continued actions are making it impossible for me to move forward. 

I am requesting the following actions be taken immediately : Debt Forgiveness : Given the circumstances surrounding this debt, I am requesting that XXXX XXXX forgive the remaining balance. 
Removal from Credit Report : I also request that this account be removed from my credit report, as the information currently reported is inaccurate and outdated. 
If this matter is not resolved promptly, I will have no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. I also reserve the right to seek legal counsel to explore my options for addressing the mishandling of my personal property and the inaccurate reporting on my credit file. 

I hope to resolve this matter quickly and amicably. I look forward to your prompt response.
Product: Debt collection

I filed a complaint with the CFPB about a month ago concerning XXXX XXXX XXXX. I was told that nothing could be done because you were unable to contact the company. Since then the collection agency that is attempting to collect on their behalf has now started reporting two accounts for the same debt. I did break the leas for this apartment, but only after I spoke to the manager at the time. I inquired on what it would cost me to terminate my lease early and was told if I could leave by a certain date and if the apartment ws clean and move in ready there would be no additional charges as they had a new tenant waiting for an apartment. I have tried to contact both the apartment and the collection agency to find out where they came up with this balance and they have continued to ignore me and have added on an additional account to my credit report.
Product: Money transfer, virtual currency, or money service

I purchased XXXX, approximately two years utilizing the Coinbase application. I haven't used the application since the original purchase. I tried selling the position that is now valued at XXXX dollars and the application says my account is restricted and to contact support. I am only able to send a request on their support page and did so about 3 weeks ago and again last week. I can't get a response and my account is still restricted and I am unable to sell the position and remove my money. Coinbase doesn't have a phone number available for customers that purchase crypto on its application and I can't withdraw the current value of my holdings or/and the XXXX I put in.
Product: Credit reporting or other personal consumer reports

The response from Equifax, LLC is not acceptable to me. Equifax has claimed that they, " completed its investigation, including contacting the furnisher of the information, where applicable. ". That very well may be the case, however, I demand that Equifax, LLC provides me with the 'Method of Verification ' and verification of whom they contacted, evidence of the investigation under the Fair Credit Reporting Act ( FCRA ). I will continue to file CFPB complaints and new ones with the FTC and the State Attorney General 's Office in their state. It should be noted that this particular investigation started on XX/XX/XXXX, and is evident that the CRAs have no sense of urgency with the repetitive and unnecessary delays in correcting inaccuracies in consumers ' credit files. CFPB is equally pathetic and serves no purpose to the consumer except to help massage the creditors and furnishers giving them more than sufficient time to complete a " thorough investigation '' The accounts that DO NOT belong to me are the below XXXX XXXX XXXX  aka Self ( CLOSED ) date Opened XX/XX/XXXX, Charge off for {$120.00} TOTAL VISA/TBOM ( CLOSED ) date Opened XX/XX/XXXX, Charge off for XXXX Bal? 
XXXX XXXX XXXX ( CLOSED ) Charge off {$9900.00}, NOT MINE! 
XXXX XXXX ( CLOSED ) XXXX Available Credit {$0.00} NOT MINE!
Product: Payday loan, title loan, or personal loan

We purchased a piano at XXXX XXXX XXXX in XXXX XXXX, California on XX/XX/XXXX. The store salesman XXXX told us that XXXX XXXX XXXX now Synchrony Bank ) offers free financing, similar to car dealers, if you pay it off in 2 years, there will be no interest. We thought that's just how all big ticket items are sold these days from cars to XXXX and went with it. 

XXXX XXXX called and sent over a DocuSign with a 36 payments plan. I discussed with them that we are only interested in the free financing offer and were told it's a 2 year plan. They said yes that's right and that we need to set up an automatic payment to qualify. I said that's not a problem, definitely and I asked them to divide up the total amount that I need to pay by 24 months and set up the auto withdrawals for us so that we will have it pay off in time to avoid any finance charges. This was XX/XX/XXXX. 

Now fast forward to XX/XX/XXXX. I thought our last monthly payment would have been XX/XX/XXXX, but I got another automatic withdrawal by XXXX. So I called their customer service, and they told me, in order to qualify for the offer, my payment should be paid no later than XX/XX/XXXX and my automatic payments were set up to draw on the XXXX of each month!!! 

So basically they set me up to fail!!! This is so unacceptable that they basically used my trust to make me miss a few days so that they can charge me all the financing charges! Please help me get this right and please help all other consumers avoid such a trap! So unethical!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following items immediately : 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 BankruptcyXXXX  XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX
Product: Debt collection

I am being called almost every hour in regards to my account that is 4 days past due. The calls are being placed to my mobile number all day some even minuets apart. For example today XX/XX/2018 the most recent calls that this company XXXX XXXX XXXX has called me at are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This is happening everyday and starts as early as XXXX up until XXXX. At times almost XXXX times in one single day. I have proof from my mobile provider of such calls.
Product: Debt collection

Ocwen created a new mortgage with loan number XXXX which I have refused to pay since its inception in XXXX.  I have never paid one payment on loan XXXX and I filed complaint number XXXX with this office which is currently under review.  Since Ocwen filed its response to complaint XXXX they modified loan number XXXX without a request from me and without any acceptance of the modification.  I became aware of the modification when I logged on line to Ocwen.com and looked at the mortgage account statement.  The statement shows that I have already missed one trial modification payment in the amount of XXXX and have a current payment due in the amount of XXXX that is due now.  Ocwen did not mail this statement to me, they did not mail modification papers to me to sign etc.
Product: Credit reporting or other personal consumer reports

Section 602a of the Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting organizations upholding fairness, impartiality, and respect for privacy. Equifax and XXXX are consumer reporting companies ; I am the consumer. According to 15 USC 6801, financial institutions must respect customers ' privacy and protect their nonpublic personal information. The title " Furnisher of information to credit agencies '' defines a financial organization.

Section 2 of 15 USC 1681 states : " In general. '' According to subsection ( c ), a consumer reporting organization may only provide a report based on the written instructions of the consumer. The banking institution and consumer reporting companies, Equifax and XXXX, did not obtain my express agreement to provide this information. Equifax and XXXX 's consent to provide information to credit agencies, whether spoken, nonverbal, written, or inferred, is revoked. 
15 USC 6802 ( b ) ( c ) provides : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( provider of information to credit agencies ) I was never advised of my right to nondisclosure. Not only that. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This is an unpleasant thing being reported again without my authorization which is against the law. 
According to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, individuals are prohibited from providing incorrect information about consumers to consumer reporting agencies if they have probable grounds to believe it is so. 15 U.S. Code Section 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to confine the providing of consumer reports to the reasons listed under part 1681b of this title. Equifax and XXXX aren't following acceptable processes. Also According to 12 CFR 1016.7, consumers have the right to opt out at any time. Therefore, I am opting out of your reporting services.
Product: Checking or savings account

My capital one 360 account was frozen because of a transaction that took place a week before. I sold property to a guy on a website and gave him my property and accepted XXXX as payment. The payment came in fine. I went to make a purchase and my card would not work. My wife looked online and it said to call them. I called and I was on the phone for about a hour while they figured out who I should talk to. Finally I ended up at the fraud department I told him what was going on and that I have proof of why this money was in my account. He told me that capital one was not going to do business with me anymore, and that when this is done they will mail me a check. He didn't give me a email or anything to send in my proof of innocents, and basically told me to deal with it. My direct deposit is set up to go into that account, I could not change it in time, right now I did not have any money in other accounts. I tried to contact the other person and got no response. I contacted the website administrators, told them what was going on. They said they could freeze the other partys account if I could provide them proof my account is under investigation for this transaction. I called capital one back. Got to the fraud department. They said they would not put why my account was under investigation in writing. He told me to file a police report and subpoena the reason from capital one. I went to file a police report they said I could not file a police report unless I had proof that this individual stole money. I tried to call capital one back, they left a note on my account to transfer me to a answer machine in the fraud department. Nobody at capital one can tell me what's going on, or who I can send my innocents to. I am now completely powerless and broke.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00}