23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I applied online to One Main Financial for a personal unsecured loan in the amount of {$4900.00}. I was directed to the local branch after applying for the loan. I have had several loans in the past with One Main and they all have been paid on time ( never late ) and have all been paid out as well. I was contacted by the XXXX, MS branch to complete credit application and according to them, get authorization for One Main to pull my credit. I was under the impression that I had done that when I applied for the loan. During the course of the conversation, I asked to speak with the Branch Manager because the person I was speaking with said that I had to give her the make, model, miles and VIN to ALL my vehicles in order to have a " complete '' application. I told her that I was not applying for a car loan, a collateralized loan or looking to refinance my vehicles ( all are currently with other lenders ). The Branch Manager XXXX XXXX explained that they were bought out by a new company and this was a new requirement and that I was required to give this information or the application would be considered incomplete and not processed. In my opinion this is wrong and should be illegal, if it is not. If they advertise unsecured personal loans, then one should able to apply for that type of loan. If they are unable to approve a personal loan without some type of collateral, then that product should be offered at that time. If they approve a person for an unsecured personal loan and then want to offer them different products as options, then do that. But to REQUIRE an individual to furnish their vehicles ' information to the point of providing a VIN is suspect and smells of fraud or bait and switch tactics. In the past, I have applied for loans at One Main and they always gave me the option to borrow more money with a vehicle as collateral. I do n't have a problem with that. It makes sense that with collateral they would be able to lend more money. But to require this information under the guise of being able to offer you what you qualify for with other types of loans is very suspect. It appears that they are trying to " go after '' these vehicles and bait and switch you to something else that you did n't apply for. I contacted the corporate office and asked for an explanation and asked for a supervisor and they simply transferred me to XXXX XXXX at the Branch In XXXX, MS . It makes you wonder what kind of company this is when you ca n't get in contact with anyone at the corporate office.
Product: Checking or savings account

XX/XX/year> - Business Checking account opened through link on promotion site : XXXX : XXXX XX/XX/year> - Deposit requirements in promotion met XX/XX/year> - Debit card usage requirements met XX/XX/year> - Claims promotion not attached. Recommends to call in. 
XX/XX/year> - Unable to fix. Requires to go in branch to solve. 

Promotion should have been applied online. Inability of customer service representatives to solve basic issues like account opening is ridiculous.
Product: Student loan

I just found out the class action lawsuit regarding those borrowers who filed bankruptcy may be eligible for relief. I have told this lender on countless occasions this loan has tripled in the amount owed due to the daily compounded interest. The programs to keep my account current are useless as only a small minimum amount is going towards the principal while the majority of the payment goes to interest. This is a vicious cycle where if I don't make the minimum amount as set by the lender then anything less than is fruitless. These subprime tactics has not only caused me severe financial distress but my credit rating has lowered substantially. Agents have only offered the solution that I should generate more income by getting another job or changing professions to generate enough money to pay the various loans. This may be a valid statement but at the time intrusive about my career decisions. So agents have the ability to give out unsolicited advice?
Product: Debt collection

2023 was when the ID theft started. have been trying to handle this for awhile and no resolution. 
they will not take the necessary steps on their end to remove off credit report. 
the debt owed is {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, In accordance with fair credit reporting act XXXX, account # XXXX, XXXX XXXX XXXX 
# XXXX, XXXX. XXXX XXXX. 
# XXXX, XXXXXXXX XXXX XXXX 

Has violated my rights. 

15 U.S.C 1681 section 602 A. States, that I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states as well that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I have this debt on my credit report from an apartment complex. I believe the apartment management team wrongfully inflated the closing costs when I had an emergency and had to move. They have not sent me proper documentation to dispute the debt. They also kept my security deposit and pet fees.
Product: Credit card or prepaid card

( 30 Day Late XX/XX/XXXX ) I transferred a payment using Wells Fargo Online services. When I received a phone call from a Wells Fargo rep stating I was more than 30 days behind, was shocked. I immediately agreed to arrangements to get caught up and was told that a case would be submitted to remove 30 day late. 

I submitted a prior CFPB report and the rep said she solved issue but she was researching to the wrong billing period. I believe she was looking at XX/XX/XXXX which I was not reported as a 30 day to begin with. I was referred to the general card services #. This doesn't resolve the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  ACCOUNT has violated my rights. 

15 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 as a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Portfolio recovery is furnishing multiple different amount over different reporting agencies and different information about the same debt along with information they got from pulling my credit history without my consent. Every month they change the payment, payment delinquent date, and other information, I disputed the account multiple times and every time they just put something they stole from my credit report, change something and keeps the collections on my account.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the FCRA, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts shall be removed immediately : 1. XXXX XXXX 2. XXXX 3 . XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7 . XXXX 8 . XXXX  XXXX XXXX  9. XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furish a account without my instructions. 15 USC 1681c ( a ) ( 5 ) Section states, 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate. I'm demanding that this accounts be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

Impersonated lawyer as to collect on a debt I have no clue about. sent in debt validation letters that were ignored and returned with continuous calls at work and my personal phone. harassment was throughout the day 7 days a week after letters were sent.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, GA, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Pro Collect, Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Account Number : XXXX Re : Request for Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern : I am writing to formally request validation of the debt you claim I owe, as is my right under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please be advised that I dispute the validity of this debt and demand that you provide the following information to substantiate your claim : 1. The amount of the debt : A complete breakdown of the debt, including the principal balance, interest, fees, and any other charges associated with the account.

2. The name of the original creditor : Full details of the original creditor to whom the debt is owed, as well as any documentation or records showing that I am indeed the responsible party for the debt. 

3. Evidence of assignment or transfer of the debt : If the debt has been sold or transferred to your agency, please provide a copy of the written agreement or contract that verifies this transfer and establishes your authority to collect this debt.

4. Proof of your authorization to collect on this debt : Documentation that shows you have the legal standing to collect the debt on behalf of the original creditor or any subsequent holders of the debt.

5. An itemized statement of the debt : A detailed account of the charges and payments, including the date the debt was incurred and a record of any previous payments made or credits issued.

6. Validation of the debt under the Fair Credit Reporting Act ( FCRA ) : A copy of any judgments or legal documents that have been filed against me in connection with this debt. This is necessary for me to verify if the debt is accurate and if any actions have been taken to report it to the credit bureaus.

Please be advised that under the FDCPA, you are required to cease all collection activities until the debt is properly validated. Failure to provide the requested information within 30 days of receipt of this letter will result in your inability to continue reporting this alleged debt to the credit reporting agencies. Further, if you are unable to validate the debt, I demand that you remove this entry from my credit report, as it would be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Additionally, I remind you that under Section 807 of the FDCPA, 15 U.S.C. 1692e, it is unlawful for a debt collector to make false or misleading representations in connection with the collection of a debt. Should you fail to comply with this request or continue to report inaccurate information to the credit bureaus, I will take appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Please send your response to the address provided above. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Mortgage

I am in desperate need of assistance I have being working with Wells Fargo. However they are refusing to settle with me, I was advised by Agent XXXX on XX/XX/XXXX from the recovery department if I find any mistake from Well Fargo they will settle with me. Therefore I submitted a letter requesting a settlement because in the Transaction statement history I was not given to proper credit towards my principle. To make matters worse in XX/XX/XXXX I made a payment to Wells Fargo for the amount of {$370.00} I was not given any credit to my principle this is clearly showing Wells Fargo was taking a bigger amount towards the interest only. I have a fix interest rate of 8.175 % and the monthly payments were for the amount of {$370.00}. The breakdown of the payments should of been how it shows in my mortgage statement which is Principal {$65.00} and Interest {$300.00}. brings a total of {$370.00}. However Wells Fargo did not give me credit for that payment and all the other payments were never broken down properly, Like I have mention I was advice trough a recorded call when I spoke with Agent XXXX if I find any mistakes they will settle with me. I do not have any additional funds to offer Wells Fargo. I was paying Wells Fargo for almost 6 years and with in those years after adding all for my history. Wells Fargo credit me {$2800.00} towards my principle and {$24000.00} towards interest. I am more than sure that Wells Fargo is practicing fraudulent and deceptive practices in order to prolong my loan. Please request a explanation from Wells Fargo. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or removal due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Product: Student loan

Dealing with MOHELA, the servicer of XXXX student loans. I have 2 student loans currently serviced by MOHELA. I signed up for auto-draft with the first loan. When my second loan began to be serviced by MOHELA the auto-draft did not update to include the second loan, nor is there an option online to include the second loan in the auto-draft. To make a payment, which is now late, I can only make individual payments at the loan level which is also confusing since my summary page shows only a snapshot of loan # 1 and thus makes it look like I have no overdue amount or payment due. I 've called the company multiple times and was informed that the only way I can sign up the second loan for auto-draft is to call the company and ask them to send me an additional form, which is not made available online. After calling and requesting this form 3 times I have yet to receive it.
Product: Debt collection

To whom it may concern : Navy Federal CU is reporting an " alleged account '' in the amount of {$14000.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. 

Please delete asap. 



Thank you.
Product: Credit reporting or other personal consumer reports

On My credit report there is a discover account a XXXX XXXX account and a XXXX XXXX systems account on my report all which happened as a result of identity theft. i submitted an FTC complaint to the XXXX major credit bureaus XXXX XXXX and Trans Union in or around XXXX of XXXX  along with a police report of the actual crime. The information was not removed from my credit report. Please have them remove the fraudulent accounts from my report immediately. Thank you
Product: Credit card

On XX/XX/2024 my Chase Freedom credit card ending in XXXX was charged twice, one for the amount of {$2500.00} and another for the amount of {$2500.00} both to a bicycle shop named XXXX XXXX XXXX. Chase claims they sent a text, however upon searching for a text from Chase on XX/XX/XXXX, there was none found. However Chase did send an email with the headline Fraud Alert " Confirm you made this purchase '' I pushed the button that says " No, something's wrong '' Soon after, chase cancelled the credit card ending in XXXX and issued me a new credit card ending in XXXX and the charges were reversed. On XX/XX/2024 the two initial fraudulent charges were charged again but this time to my new credit card ending in XXXX. Speaking with Chase 's fraud department, they claim that upon further investigation the charges made on XX/XX/2024 were mine based on the user supplying the correct email address, physical address, and name. They also said that I responded to their fraud alert email 27 minutes after the email was sent out, which in their eyes was too late. Regardless of how long I took to respond, the transaction should not have been allowed until a response was received. I disputed the charges again, however this time, they asked for my IP address and asked me to call XXXX XXXX XXXX to have them send documentation saying that they were aware that the transaction was fraudulent. I sent Chase my IP address and cc 'd chase fraud 's email with Me and the owner of the bicycle shop, where XXXX the owner admitted of knowing the transaction was fraudulent once I called their shop and explained the situation. Upon receiving their requests, they still deem these transactions as valid and that I'm still responsible for the two transactions totaling in {$5100.00}. What is the point of fraud alerts if Chase isn't going to wait for a reply before approving the purchase? I feel that because Chase gets merchant fees from transactions, they allow these transactions to take place. They're basically looking out for their best interest. Had Chase done it's job and disallowed both of the purchases based on my email response, then there would be no problem and their probably wouldn't be a need for a fraud department. Chase should only allow high value purchases once the card owner is validated and he/she authorizes the purchase.
Product: Debt collection

phoenix financial services is trying to collect a debt for XXXX XXXX XXXX XXXX XXXX which i already paid. Company i paid to : XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, PA XXXX XXXX Additional Info : XXXX Reference # XXXX Amount Paid : {$160.00} Sent phoenix financial services receipt from XXXX XXXX XXXX to info@phoenixfinancialsvcs.com Name : XXXX XXXX ACCT # XXXX ( account # for phoenix financial services ) They said amount i paid {$160.00} did not match owed amount of {$160.00} so they it was not valid. Paid Service fee to XXXX XXXX which was the difference. Also, phoenix financial services would not give me contact info for XXXX XXXX XXXX to clear this up.
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Tired of being harassed and having credit take a hit for something i already paid.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Having problems with Discover Financial Services, LLC Discover is continuing to show late payments on my XXXX and XXXX credit report. I've sent Discover two letters ( the last certified ) but they did not respond back within the statutory period to remove the late payments. As a matter of fact, Discover Financial Services, LLC NEVER responded to either of my letters dating back to XX/XX/XXXX I then filed a complaint with the CFPB and received an email from a " XXXX XXXX '' of the Executive Office of Consumer Advocacy to which I responded TWICE and never received the courtesy of a response from " XXXX XXXX '' in return. The emails are attached On XX/XX/XXXX, I received a notice from CFPB that my complaint was answered, HOWEVER, the response was not on the CFPB website and I NEVER received a letter from Discover Financial Services, LLC as indicated by CFPB Please be advised both XXXX and XXXX are reporting " No Payment History '' or " Highest Balance '' ( or any balance at all ) as the account was satisified prior to closing.
Product: Debt collection

Hello, my name is XXXX XXXX XXXX, I am filing this complaint against Capital due to these reasons : In XXXX, I applied for a Walmart card and was given my Walmart card by XXXX XXXX XXXX. As soon as I received it, I set up auto-pay with XXXX XXXX In XXXX, the card was transferred to Capital One Bank without my knowledge. I wasn't even using the card at that time and never activated a new card with Capital One. 

Now, in XXXX, I went to the Walmart store and used my Walmart app to make a purchase. I was under the impression that I was paying with my XXXX account and that the auto-pay I had set up was still active. Months later, I saw late payments being reported by Capital One. When I reached out, they said I had a new card and that there was no auto-pay. 

I feel this is really unfair since I never activated a Capital One card, let alone used it. Also, I am a frontline worker and was traveling during XXXX to service IT accounts of hospitals. 

I want to clarify that I am a person who has always paid on time, I even have two accounts with Capital One Bank National. One opened in XXXX and the other in XXXX. In both I have an exceptional payment history, I have never been late, I am a responsible person and I have tried to build a good credit record. This situation affects what for many years sacrifices I have tried to build with my payments on time. 

Please see attached proof that I was on autopay with XXXX XXXX 

Thank you!