23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I was terminated from my employer XXXX. The very next day I called my mortgage company PNC Mortgage to apply for Hardship Assistance and spoke with someone in the Loss Mitigation Dept. The HA paperwork was sent out to me and I completed it EXACTLY as instructed and after a few weeks, was told that I had been approved for a forbearance via mail. I was given a five month period to pay $ XXXX/month based on unemployment benefits and my previous income with my last month being XX/XX/XXXX. I remitted my XXXX payment only to have it returned in the form of a check in the amount of {$25.00} which included the previous months. I was told by a customer service rep that I am in arrearages of {$1900.00} + inspection fees of {$5.00}. The inspection is an unknown person surveilling my home to confirm residency. I have received numerous calls and letters teetering on harassment and the month of XXXX isn't even over yet! PNC backpeddles on their policies and they would not let me a establish a reasonable payment arrangement.
Product: Credit card or prepaid card

I have an account with Lowe's/Synchrony Bank. I have been sending in my payments via a 3rd Party at the beginning of each month. You can imagine my surprise to discover that for the last 3 months I have been recurring late charges on my account. Let me give you an example as to their explanation. I pay my bills within the first 5 days of the XXXX day of the month. I am old and ill and want to be a good consumer. Now I have been advised that the monthly cycle ends not at the end of each month but by the XXXX of the month. Therefore, as an example, the payment I made on XX/XX/XXXX, was not posted as an XXXX payment, it was posted as a XXXX payment as their " cycle '' had not closed yet. Same way with the payment made in XXXX at the month beginning and XXXX. To add insult to injury they then charge me a XXXX " late fee '' for a payment they got early! Please explain how this is legal.
Product: Mortgage

i received my CD for closing and i have an un agreed origination fee of 3.125 % fee or {$10000.00} which was not discussed or agreed during my conversations with the loan officer. The loan officer ( nmls XXXX ), told me all borrowers have the same fee which is a complete lie. I will never do business with Quicken Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 8 months Ive been actively trying to rectify errors on my report and XXXX XXXX  & the credit bureaus has been disregarding my rights according To the fair credit reporting act. 

The close date, charge of date, current status and date of last activity is incorrect and varies from each bureau. 

I was denied a mortgage today because of the discrepancies. 

I also attached a statement of truth for my and your records if i need to use this in the future.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several inquiries made on my credit report without my authorization. I received a letter from XXXX advising me that my credit was compromised due to a security breach within their organization and further advised to check my credit. Upon checking my credit, I discovered all of the unauthorized inquiries to the following companies : XXXXXXXX XXXX XXXX XXXX, Discover Financial ServicesXXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/2021, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX  XXXX, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/2021, XXXX XX/XX/XXXXXXXX, XX/XX/XXXXXXXX, XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ). XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I have an account with Coinbase that I opened in XXXX. This account is under the email : XXXX. However, beginning the year of XXXX, I have been unable to sign in to my account because when I try to sign in, I get a message that reads " error : No Coinbase account exists for this email. '' But I am using the same email I have always used for my account and yet it won't let me sign in. I have money in that account that I am, currently, unable to access because I can not sign in. I have reached out to Coinbase via various avenues such as email, cell phone, the Coinbase website, but have not received any response
Product: Debt collection

The company has not credited my account properly. I made a direct payment post judgment of {$1000.00} ( XXXX personal check # XXXX date XXXX and a XXXX $ postal money order ). They are not reporting this in a letter dated XXXX to me. And apparently the XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXXXXXX, Michigan. They've garnished my wages XXXX at XXXX for a total of XXXX ( minus garnishment fee of XXXX XXXX  ) = XXXX plus the {$1000.00} = {$3000.00} pd which extinguishes the court ordered {$2800.00}. 

Weber Olcese also place a real estate lien on my home. 

The remedy I seek is immediate termination of the garnishment and release of the real estate lien. And fines & license revocation of this debt collector. Re-training education on how to correctly, clearly and transparently communicate should be considered also. 

thank you!! 

XXXX XXXX " Our file '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Sometime between XX/XX/2023 and XX/XX/2023, an unknown person applied for a credit card with CAPITAL ONE BANK USA in my name. I did not authorize this application. 

CAPITAL ONE BANK USA made a hard inquiry from credit reporting agencies which lowered my credit scores and I received an alert through a third party app, XXXX XXXX. 

I called CAPITAL ONE BANK USA to report unauthorized inquiry and/or fraud and to ask them to cancel the card and remove the inquiry. CAPITAL ONE 's customer service would not have a conversation about the issue unless I gave them my CAPITAL ONE account number. I explained repeatedly that I do not have a CAPITAL ONE account number and that the transaction was not authorized. They told me to contact the credit reporting agencies. 

I did contact the credit reporting agencies and they all told me that I need to contact CAPITAL ONE to make sure they remove the inquiry and cancel the credit card. When I told the reporting agencies that CAPITAL ONE would not talk to me unless I had a CAPITAL ONE account number, the reporting agencies told me to file a complaint with FTC. FTC forwarded me to CFPB, so I am filing the complaint here.
Product: Debt collection

I have I put forth good faith effort to contact this XXXX, XXXX and Security Credit Services who XXXX, XXXX says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from XXXX XXXX.
Product: Checking or savings account

Bank of America unnecessarily charges bank fees every month if you don't make a direct deposit of {$250.00} every month. There is no law that states they have to charge you ANY fees just for simply opening up a bank account. Banks main powers and duties are to BORROW. If I'm the one that extended my credit to open up this account, I should not be getting charged any fees whatsoever for any reason. This has gotten completely out of control and it needs to stop. Due to them taking money out of my account unlawfully, they have put my account in the negative. It is literal robbery for them to take money out of my account and put it in the negative, and still then continue to charge every single month and put my account further in the negative if I don't make that quota. This is unconstitutional. And then, if I don't pay the fees that their charging, they will literally close my account. Bank of America is ridiculous!
Product: Checking or savings account

The issue I am having might be different from what the prompts are. I need help forcing Wells Fargo to chargeback my money. I purchased a service called XXXX in XXXX of XXXX. This included a Lifetime XXXX XXXX  which generally consists of three main components : ( 1 ) the 30-Day Money-Back Promise ; ( 2 ) aligner touch-ups during treatment ; and ( 3 ) lifetime touch-ups after treatment. Around the end of XXXX I would say around XXXX, I received an email that their company is being re-structured. Then in XXXX, I received an email from XXXX stating that they are actually shutting down operations while leaving me without treatment. I contacted Wells Fargo in XXXX of this year, and after about 3-4 months they told me that they wouldn't be able to chargeback the money from XXXX because it's after 120 days of the purchase date. I spoke to a representative from CFPB who told me that this isn't how this works, and has gladly pointed in the direction of your website where I am now filing my complaint against Wells Fargo since XXXX is now defunct. I am ready to submit more information to easily find my Wells Fargo information via email or phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reported to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. I have also included the law for the mentioned account showing I was the original creditor and no debt was/is owed to the alleged debt collector. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

Under 15 U.S.C 1691a Definitions ; Rules of Construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 
( e ) The Term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. 



As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2014, CLOSED AND CHARGED OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me..  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Product: Student loan

I moved back to the US in XXXX after living in the XXXX for 6 years. While in the XXXX the Dept of Education refused to accept payment on my loans so I could not make payments even though I regularly called and begged them to take my money. That added up to a LOT of fees and interest that I do n't believe I should have to pay because it 's not my fault. I tried to pay them, they just would n't take it because I did n't have a US bank account. I offered to pay in a number of ways, they refused. Now I 'm stuck with a huge amount of additional interest and fees and a shattered credit score. The XXXX told me to talk to my loan servicer once my loans came out of rehab with a collections company. I just spoke with Great Lakes and they said there is nothing they can do.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violates Consumer Financial Protection Act. Cash App failed to take timely measures to prevent or address fraud. My account has been victim to many fraud actions. Their resolutions was unfair and deceptive as they did not comply with error resolution requirement under the EFTA and Regulation E. These action have caused inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includeXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Checking or savings account

Pnc has ceased to allow me to use my third party connections to manage their banking products forcing me into their ( poorly featured ) products.
Product: Credit reporting or other personal consumer reports

I

am filing this complaint against Experian due to its failure to provide me with a credit score, despite my repeated efforts to resolve this issue. This ongoing problem is causing significant harm, as I am in the process of purchasing a home and Experian 's lack of action is creating unnecessary complications. I contacted Experian by phone, and the representative instructed me to submit proof of my identity via their upload page. I complied with this request immediately, uploading all required documentation. Prior to this, I spent several months mailing the same information to Experian to ensure my records were updated and accurate. Despite these efforts, Experian has failed to provide me with a credit score. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), which grants consumers the right to access their credit information and ensure its accuracy. Further, under Section 611 ( 15 U.S.C. 1681i ), Experian is obligated to investigate and correct inaccuracies or incomplete information promptly. Their failure to respond to my repeated submissions of identity verification materials constitutes a breach of these legal requirements. Additionally, under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ), I am entitled to fair treatment in accessing credit. Experians failure to provide my

credit score is impeding my ability to obtain a home loan, effectively denying me access to credit without justification or due process. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold Experian accountable for their noncompliance with federal laws. Specifically, I request : Immediate action by Experian to update my records and provide my credit score.

A review of Experians handling of this case to prevent further violations of the FCRA and ECOA. 
Assurance that Experian will comply with its legal obligations to provide accurate and accessible credit information in the future. 
This is a time-sensitive matter that directly affects my financial stability and ability to purchase a home. I urge you to address this issue promptly. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

Whereas, on XX/XX/2023, instrument ( s ) of tender [ {$560.00} ] for the discharge/setoff/settlement hereinafter XXXX, for the discharge/setoff/settlement of BRIDGECREST account noXXXX XXXX  [ estimated {$20000.00} ] were sent to BRIDGECREST via United States Postal Service Certified Mail No. XXXX XXXX XXXX XXXX XXXX. 

Pursuant to UCC 3-311, Colorado Revised Statutes 4-3-311, BRIDGECREST had 90 days to return XXXX or credit the account. BRIDGECREST cashed the instrument. Pursuant to UCC 3-311, Colorado Revised Statutes, 4-30-311, UCC 3-603 , and the terms and conditions stipulated on the instrument, said XXXX is deemed accepted for the discharge/setoff/settlement of the above referenced account pursuant the records. This account is now deemed satisfied and or settled. 

BRIDGECREST has not responded to our demands to initiate arbitration and has not acknowledged payment thereby violating the above referenced laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to all three bureaus asking for investigation regarding inaccurate Bankruptcy that was placed on my credit report. I respectfully as for them to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I did not receive anything providing proof. Based on the letter that was sent back it was a little as three weeks from the date I sent my letter stating that this information was verified and accurate. I truly thought a real investigation was underway but it wasn't. I called and sent letters to the Bankruptcy Court, who explain to me in writing that they don't verify information with third-party companies, so how is it possible that the courts are the furnisher and I have in writing that they don't verify but XXXX and Transunion were able to verify information in less than three weeks. I believe that my rights were violated and I want some help with exposing this erroneous account off my credit report. XXXX did even give a course to even respond.
Product: Student loan

I attended XXXX XXXX XXXX for my XXXX degree in XXXX XXXX and graduated in XX/XX/XXXX. I have been receiving numerous calls from Navient stating I have {$60000.00} in private loans. I never signed papers stating I had this much in private loans. XXXX XXXX XXXX pressured me one semester prior to obtaining my degree I would need to take out a private loan for the remainder of tuition but never informed me on the amount. My private loans have now gone into collection and they are demanding the full cost of the private loan to be paid in full. When I said I did n't have this kind of money, they dropped the cost to {$33000.00}. When I said I did n't have this amount, they informed me to seek out a loan from family, peer to peer, or take it from my 401K. I do not have this kind of money nor will I ever. They stated it would go to an attorney for lien proceedings if not paid byXX/XX/XXXX. This is just on my " private loans ''. They also stated my federal loans are well over {$250000.00}. I 'm sure you could imagine my thoughts on this. The cost of these loans are outrageous. XXXX XXXX XXXX really put my life into a XXXX I can never get out of. Now with XXXX XXXX XXXX closed by the Federal Government for these same reasons, my loans should be forgiven as well because I was forced into signing papers for one semester which turned into {$60000.00} and due to the scheming ways in which XXXX XXXX XXXX promised their graduates the world was a blatant lie. I do n't even have nor did they offer to help find a career in my degree field. I 'm looking for assistance as I will never be able to pay these loans in my lifetime. The amount totals with private loans included, over {$300000.00}. Please help!