23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604A Section 2 ; it also states a consumer reporting agency can not Furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency report containing any of the following items of information Any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have my loans with Navient, I filled out the information for them to lower my payments based on low income. One was lower but then my over all payment is now higher! They are horrible to work with they will nowt work with me at all. My Payment was {$180.00} now it is {$190.00} after one of my loan was approved to be lower. It make no sense. I was one who was with XXXX but then was switch to these XXXX!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reportincg act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX  services ending in XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX  ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX begining with XXXX has violated my rights 15 usc 1681 section 602a 15 usc 1681 section 604a 15 usc 1681c a 5 15 usc 1681s 2 a 1
Product: Credit card or prepaid card

I recently checked my XXXX card and my credit report, and noticed that EVERY time I made a payment, my credit report always showed me at max limit. My opening line of credit was {$1900.00}, now it 's at {$1600.00}. So whenever I make a payment. my credit limit is decreased which makes my credit score lower. I WAS NOT NOTIFIED OF THIS ACTION AND THIS IS UNETHICAL! 

XXXX needs to fix my history regarding my credit report. I should not be showing MAXED out credit becasue they have chosen to lower my limit with every payment. I believe this may be against the law. I need this fixed immediately and I do n't know how they are going to do it, but I do not want my card closed or frozen. I want my credit limit raised enough to show that I am indeed NOT maxed out on my XXXX card.
Product: Student loan

My first payment was due to MOHELA on XX/XX/XXXX for a total of {$200.00}. I paid in full on that date. Today, XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX but not sent until XX/XX/XXXX ) saying I'm in " Administrative Forbearance '' from XX/XX/XXXX - XX/XX/XXXX. 

I've tried numerous times to contact them to get more information about a variety of issues including but not limited to, if they're sure the amount I owe is correct, if they've processed the paperwork I sent to them at the end of XXXX, and whether or not my loans have been consolidated. 

I called on XX/XX/XXXX, and waited an hour and got disconnected. I called on XX/XX/XXXX and waited over an hour and fifty-minutes and had to hang up.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 section ( a ) ( B ) ( c ) ( N ) ( o ) ( s ) Congressional findings and statements of purpose My credit report is showing everything is 100 percent on time but nothing has been changed All the inquiries have to be removed in each credit reporting system from TransUnion XXXX and XXXX even tho XXXX is a 3rd party so they really cant report anything negative at all!!!!

Everything thats charged off must b
e paid as agreed the credit cards old cars that are on there Privacy Act 1974 5 u.s code 552a Opt out laws ( Part 1016 PRIVACY OF CONSUMER FINANCIAL INFORMATION REGULATION P ) 12 cfr 1016.1 purpose and scope 12 cfr 1016.13 ( 14 ) ( 15 ) 12 cfr 1016.4 initial privacy notice to consumer required
Product: Mortgage

As part of Wells Fargo 's ( WF ) " resolution '' of my Complaint No. XXXX, WF agreed in its Response to my Complaint to pay me {$25.00} in XXXX, 2022. They have never paid me. The {$25.00} is obviously trivial, but this conduct is just more evidence that, no matter how many times WF is punished for fraudulent, reckless and shoddy business practices, they still have no hesitation to make blatant misrepresentations, even to Agencies that are required to regulate WF. I have no doubt that WF will claim its failure to pay me was a simple mistake. However, I ask your Agency to review Complaint XXXX. In my opinion, when viewed together with my prior Complaint, I think the more likely cause is that WF has instituted an XXXX  wide culture and procedure to delay payments of money owed by WF to its customers. I am requesting that WF be ordered to pay me the {$25.00}, and that this additional misrepresentation be forwarded to any Agency investigating the conduct of WF.
Product: Debt collection

I have lived at a rental property current name ( XXXX XXXX XXXX   ) with my ex girlfriend back in 2013 XX/XX/XXXX ( we both signed the lease ) for only a month in a 6 month lease term that soon after i found out my ex girlfriend stole my check books and Debit card and had to leave the rental apartment and involved polices and paid termination fee of one month rent by myself since she was a felon and i was not aware of. I filed lawsuit meanwhile against my ex girlfriend and she founded guilty because of identity theft and forgery. After few months passed i received a letter from XXXX XXXX XXXX XXXX   that i owe XXXX  $ approximately to the apartment i lived only a month though paid them one month advanced plus deposit. This has been affecting my credit and life in general since they keep harassing me because of that even though i explained them the situation and the money i paid for additional one month rent before leaving that place. I believe i am a victim of unfair credit report by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
Product: Checking or savings account

I received a new debt card for my account. The card number must have been stolen before it even got to me. 

A fraudster made three transactions at walmart.com for {$25.00} each, or {$76.00} in total. I disputed the charges. I was reimbursed {$60.00} in total between XXXX and Truist. 

{$16.00} of the fraud amount has not been reimbursed. My request for a further dispute has been denied.
Product: Credit reporting or other personal consumer reports

Dear [ Agency 's Name or Representative ], Subject : Dispute Regarding Fraudulent Accounts and FCRA Compliance I am writing to formally dispute the inclusion of several accounts on my credit report, which I believe to be fraudulent. Despite my previous attempts to resolve this matter, the accounts listed below have not been appropriately addressed, in violation of the Fair Credit Reporting Act ( FCRA ) : - XXXX XXXX XXXXXXXX - XXXX According to the FCRA, credit reporting agencies are required to verify accounts by obtaining a valid signature and multiple forms of identification. To date, these accounts have failed to present the necessary documentation to substantiate their legitimacy. 

As a consumer, I have the right to expect that the information on my credit report is accurate and verifiable. The automatic validation of these accounts without proper verification is a clear violation of FCRA guidelines. 

I kindly request that you thoroughly investigate these accounts and remove them from my credit report if they can not be verified according to the standards set forth by the FCRA. Please provide me with a written confirmation of the actions taken regarding this matter. 

Thank you for your prompt attention to this issue. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Product: Credit card

Bmo Harris Bank closed my credit card without notification! I have a credit score between XXXX XXXX and I have never been late with a payment! I have had my card since XXXX. I Called customer service at BMO and was told per agreement they can close it at anytime!! At the time I had a zero balance on my card! Now today when checking my credit score my score has gone down because of their comment that creditor cancelled card!
Product: Payday loan, title loan, or personal loan

I purchased a puppy through XXXX XXXX in XXXX of 2023. The salesperson was very convoluted about the purchasing process and did not tell me that she had an issue with pulling my credit report, as I did not realize that my credit was locked at that time. She kept stating that everything was going well, and the process was almost complete. She just kept needing me to sign a document on her tablet or a document that was sent to my email for verification purposes. By the time it was all said and done, and I had time to review the documents, I had signed up for two different loans totaling over {$6000.00}. I immediately paid off one lone with XXXXXXXX XXXX in the amount of {$950.00}, but the loan from Monterey Financial is insurmountable and I was charged for things like a crate, food, and supplements that my puppy could not use ( items were advertised as being a gift ), not to mention the interest charges. I initially reached out to XXXX XXXX and was issued a check for {$200.00}, but this by no means covers it. I have tried to make payment arrangements with the company, but the process has been cumbersome and due to having to assist my recently widowed mother the monthly payments are entirely too much. Over the past week, I have received multiple calls throughout the day from this company to my cell and work phone and the messages that are being left are threatening and in by no means professional.
Product: Debt collection

I received a debt collection notice from American Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Their bill clearly states that I was never sent a bill by the original company XXXX XXXX XXXX and that the charges were not included in any bills I received from my Doctor Or Hospital. <P/>In addition states falsely that I have not responded to them. That is not true. I did in fact call them as requested. <P/>The amount is {$85.00} I do n't believe I owe them this or anything else. This is also approximately two times that the amount they sent me originally and I called to protest that I received no bill from the original company. <P/>It all went through XXXX XXXX XXXX XXXX XXXX and I along with a rep from XXXX XXXX XXXX talked them on the phone and told them they were using the " wrong billing code ''. I have a mediation request # XXXX with The Texas Department of Insurance. So far they have not really responded with useful information. <P/>They threatened [ If we do not receive your payment, our client has authorized us to continue our collection efforts that can include the reporting of your unpaid account to XXXX or more national credit bureaus. We urge you to take care of this matter. You may call us at the telephone number above if you have any questions. Otherwise please mail your payment with the bottom portion of this letter. ] I believer this is a scam and totally illegitimate. <P/>States " Credit at risk '' all over it. <P/>There is no way this is legitimate.
Product: Payday loan, title loan, personal loan, or advance loan

Requested a personal loan through them. They asked for my banking login to make deposits and i was told to send the money back to them. My bank placed a 6 day hold on the deposits and when i called and told them that, they said they would handle it. Today, i was unable to log into my XXXX account and i called them and they said my account was closed due to fraud. I tried calling the number back and lending point asked for my name. I told them you got my account closed due to fraud and they hung up on me and then proceeded to block my number. I called from a private line and it keeps ringing and no one will answer. This was a scam all along and they need not to do business with anyone
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Without any prior notification attached a debt to my personal account and have harassed for payment. Claim is for XXXX XXXX when I have been a XXXX user for over 8 years now. This account does not belong to me and company should be removed and served a cease and desist for emotional and financial harassment. Financial compensation is been looked at as well
Product: Mortgage

Carrington Mortgage is in violation of federal RESPA regulations. All information is being tracked for possible litigation. 

At issue is a conversation with Carrington Mortgage on XX/XX/XXXX whereby Carrington stated they had up to 30 days to process documents. This is a blatant violation of RESPA which only allows for 5 days. These documents are being submitted today if and everything is not processed within the required time frame a NOE letter will follow for litigation, fines, penalties and attorney 's fees to be paid by Carrington. Maximum fees will be collected. 
Docs included through CFPB Authorization form Carrington application for modification profit and loss statement XX/XX/XXXX tax returns hardship letter statement of information XXXX form
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

As of today 's date : Portfolio claims to own this XXXX XXXX account. 

As of today 's date : XXXX XXXX claims to own this XXXX XXXX account. 

The only way to determine which collection agency actually owns this account is with a valid bill of sale from XXXX XXXX stating exactly which agency they sold this account to. 

Unfortunately, I have previously made the mistake of paying one collection agency, only to have another collection agency " park '' the same debt on my credit files six month later. Resolving this matter took over two years. 

I have learned the hard way the importance of a valid bill of sale. 

Upon my requests for a VALID BILL OF SALE : XXXX XXXX removed this account from my credit files XXXX XXXX removed this account from my credit files and ... Portfolio Associates unscrupulously provided the credit bureaus with falsified information, a very serious FCRA violation. 

Portfolio intentionally re-aged this account and increased the actual balance owed as an intimidation tactic to force me into paying this account. Initially Portfolio used XXXX XXXX 's name as the collection agency versus their own. 

I state intentionally because, written documents provided to me directly from Portfolio, as well as verbal communications, prove Portfolio has full knowledge of the " true '' account facts : the account open date, date of first delinquency, and account balance. 

On XXXX XXXX, 2015 I was verbally told by a supervisor, who insisted on reminding me that she has been doing her job for 7 years now : " I am sure we have a bill of sale somewhere. '' When I asked for her to please mail me a copy - she simply proceeded with her " collection dialogues. '' Any individual working in the collection industry for " 7 years now '' should know how vital a bill of sale is to proving to a consumer their company is the legitimate owner of any account. 

Upon my request to have the credit bureaus verify this information, Portfolio again provided each with the same deceitful information. 

I have tried to pay the actual balance ( according to Portfolio 's records ) in exchange for the deletion of this account from my credit files. They refused my offer. 

My last XXXX requests, 1. for a valid bill of sale, and 2. to correct the falsely reported information on my credit files, have been met with " we have already investigated this account. '' Portfolio Associates actions are nothing shy of criminal, and the FTC should investigate and hold them accountable. I have no doubt re-aging debts and parking unverifiable debts on a consumers credit report is common practice for Portfolio.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is Debt Collection from XXXX XXXX XXXX XXXX for $ XXXX1that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there, Recently I have been going through all my finances and my credit report, and it has come to my attention that Nelnet, my student loan servicer, has been reporting that I have had scheduled loan payments dating back to XX/XX/XXXX. This is incorrect because I received a letter back in XX/XX/XXXX in the mail, saying that my first payment was not until XX/XX/XXXX. I also went online to check my Nelnet statements, and for the month of XX/XX/XXXX and XX/XX/XXXX, it says the same thing. In early XX/XX/XXXX, I called for a forbearance which I received, so there is no mistake for the month of XX/XX/XXXX, but for the month of XX/XX/XXXX and XX/XX/XXXX, Nelnet has been providing false credit reporting. Because of this, my credit score has  decreased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX and Capital One bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from Capital One bank or XXXX XXXX.
Product: Debt collection

ARS ACCOUNT RESOLUTION Was open on XX/XX/XXXX .. I dont know this account. The amount is XXXX  .. check everything please..
Product: Mortgage

I refinanced my home and was told there will be no closing costs, and now I found on the closing documents that they charged me about {$1500.00} dollars. I 'm trying to call this company and they do n't answer my phone calls, I had leave several messages to call me back and they do n't call me.
Product: Debt collection

On XX/XX/XXXX, my Navient school loan was paid in full. There was a current wage garnishment with my work so 4 checks further were sent out to them by the time my work was notified of the account paid in full on XX/XX/XXXX. XXXX cashed the checks ( i have the cancelled checks cashed on XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$22.00}, XX/XX/XXXX - {$140.00}, and XX/XX/XXXX - {$140.00} ). I began calling on XX/XX/XXXX to ask why I wasn't issued a refund as the account was paid in full and closed out. No one could answer but said it is 30 days for a refund. I called again on XX/XX/XXXX, and was told it was 30-45 days for a refund to be completed. Then called again on XX/XX/XXXX And this was time was told it was 60 days for a refund and it was not sent to accounting until XX/XX/XXXX so they wouldn't start the refund clock until then. I called today XX/XX/XXXX and this time was told it will take 60-120 days for the refund to be processed. At least 3 times i left messages for supervisors and never received phone calls back. Today I asked to SPEAK to the supervisor and was told he was on vacation. I then asked to speak to the ACTING supervisor and was told there was no one in charge. Also, my social security number is no longer even valid in XXXX automated line. So obviously my account is far along in the process of being closed out. I am upset by the lack of concern for a refund of checks that were cashed AFTER an account was closed by over a month. The checks could have been returned to my work instead of cashed but instead my money is sitting in their account for months and months and no one can tell me when I'll get it back but my own bills remain unpaid. A serious lack of customer service and I believe ill management of funds. And there is no one from XXXX who I can call to get any information or confirmation from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX  XXXX Balance : {$27000.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}
Product: Checking or savings account

Wells Fargo charges a Cash deposit processing fee when my tenants deposit their rent in Cash. The last fee was on XX/XX/22 for {$7.00}. I contacted the bank and asked why I was being charged this fee. They stated if more than {$5000.00} was deposited in a month they charge this fee.
Product: Student loan

I can't get into my account to make payments. When I log into my account it comes to a page that says " Error : We're sorry - an error occurred. Please come back later and try again. '' This has been happening for 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  : {$200.00} ; XXXX XXXX XXXX**** XXXX  : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.