23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u s c 166b a creditor may may not treat a payment on a credit card acct under an open end consumer credit plan as late for any reason.

15 u s c 1681 sec 602 a i have a right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT ALL PSTED LATE PAYMENT WHICH I DID NOT HAVE. WOULD LIKE REMOVED
Product: Mortgage

XXXX my husband and I applied with multiple lenders while trying to purchase our first home for XXXX. We ended up going with Quicken loan aka Rocket mortgage. After submitting all of our required documents we were told that we did not meet the income requirements because of the unemployment my husband recieves due to being a union seasonal worker. We went back and forth but were ultimately denied. We thought we would never be able to purchase a home. This was my husbands career that at the time he had been doing for about 15 years and they led us to belive that because of how that career was structured we wouldn't ever qualify. In the end a we went with our second choice. XXXX XXXX loan which never had any issues with my husbands line of work or income sources. We bought our home in XXXX and sold it in XXXX and relocated to Alabama. We were house shopping at the hight of the covid-19 pandemic, my husband was laid off was not able to return until XXXX of this year. We had just found a house that was a great deal. So that we didn't loose the house to the market, our parents took out a loan on some land that they owned and bought it outright for cash XXXX and added my husband to the title with them. We made the agreement that when he went back to work we would refinance them off the loan. Since my husband is back working we applied and rate shopped with several companies again. Our second choice thought it be better to put us in an conventional lone due to fees being cheaper and paying less over the life of the loan, Quicken wanted us to go with FHA and told us we were getting a better rate, It was like pulling teeth to get a loan evaluation for a conventional loan which he said wouldn't be a good fit.. We eventually decided to go with Quicken again only to run into the same problem. After submitting documentation we were told that it would be best to not use my income being that im self employed and it would be an extra hassle with providing documentation and that we didn't have to go through all that. In the end we were first told that we didn't qualify because they couldn't use unemployment to qualify us for the loan but all we needed was a cosigner and at that point they were going to stop the loan process if we chose not proceed with a cosigner. We provided them with support documentation, some even from they're own website, that stated seasonal workers can indeed legally use unemployment for income verification. We were then told that he would submit new information to his " team '' to make sure that he was doing everything correctly. He came back a couple days later and said that with the unemployment we still didn't meet the income requirements because there was a fluctuation in income even though that's the way his job is set up. All jobs in all states have their own pay scales because He is a union employee for over 20 years and the only requirements were that he made income and unemployment for both years and worked his job for month than 2 years.
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed things are incomplete and not accurate. according to the Fair Credit Report Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates these accounts ( XXXX XXXX XXXX ) ( Money Lion XXXX ) are not complete or accurate.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CREDIT REPORTS AND NOTICED A XXXX XXXX  CREDIT CARD ON MY REPORTS
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed con-summer contract-any and all accounts you posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verification Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the unable to provide me a copy of verifiable proof, you must remove the accounts listed below. remove all negative reporting on this XXXX XXXX account. XXXX
Product: Checking or savings account

Since XXXX  I have been trying to solve accessing my safety deposit box with the Wells Fargo bank- ( location ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX, Phone : XXXX. My husband holds a checking account with the bank, and we jointly opened a safety deposit box there with both of our names on the box. Every time for the past 6 years that I have tried to access the box there are issues that they can not seem to resolve and I can not get into the safety deposit box. I have sat down with the bank branch managers, emailed with their corporate officeXXXX XXXXXXXX XXXX XXXX XXXX XXXX number : XXXX, Account number ending in : XXXX ) and this still has not been resolved.
Product: Debt collection

Convergent outsourcing is trying to benefit from my identity without my consent an I do not know them and have never done business with them. I ordered my free credit reports an seen that they are alleging that I owe them XXXX dollars. I do not owe Convergent Outsourcing XXXX anything and this is a written refusal to pay. I have never gave them hand written consent to furnish anything on my consumer report. Also during the initial communication they never gave me the 5 thing I need pursuant to 15 usc 1692g validaon of debts law.
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX XXXX Attachments XXXX AM ( XXXX minutes ago ) to XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX : I have been a BOA customer since XXXX and have been designated a Preferred Reward Platinum Customer. I have both personal and business accounts with BOA. Yesterday, I received in the mail a check from BOA in the amount of {$2000.00} ( copy attached ) for an account ending in XXXX. The only explanation was a statement that said, " closing balance ''. When I looked at all of my accounts online, I could find no record of this account although I know it existed and had a balance in excess of {$2000.00}. I attempted to call the phone number on the correspondence and a recording indicated that this office was not open on the weekends. I called both the customer service and security call centers today and was told that only the closed account department could provide any assistance. 

This action taken by BOA, to close a savings account without any prior notification or communication is very disturbing. The fact that any trace of this account was wiped clean from my online banking records is even more troubling. Obviously, I am concerned that BOA could take this same action on any of my other XXXX accounts. I thought this would only be a concern if there were a cyber attack on BOA. Little did I know that BOA could take action against a customer that would replicate a cyber attack. 

I am therefore demanding that BOA provide : 1. An explanation as to why my account, ending in XXXX was closed, 2. Under what authority you were permitted to take this action, XXXX. Why I can find no trace of this account in my online banking records, 4. Provide me with a verified, final accounting of the balance in this account, and 5. Explain how BOA will rectify and compensate me for this action and provide me with assurance as to how BOA will prevent this from happening to me again. 


Sincerely, XXXX XXXX XXXX CC : XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau Attachments area
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 the Costumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act. ( EFTA ) and Regulation E. These actions have calls significant and inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX  XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF ED/XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I called today after never having gotten a bill since well ever I had been given a summons back on the XXXX tried calling to see whats up finally found out who and where this debt collector is credit management inc in XXXX XXXX nebraska anyways called today lady on the phone said I need to pay attorney fees which even in the summons states they can't collect ( I have it recorded if that helps ) after I asked she became real rude and back pedaled she also would not give me a straight answer just for the sake of asking I requested whatever the total amount would be she kept saying XXXX plus some amount she does not know which makes me really question how I should know if this is even a legit thing. Last of all I don't even recall going to this place they say I got treatment but yeah can they just hang over my head an undisclosed amount? I looked it up and seems like they really exist but there is multiple issues even a class action lawsuit against them for violating stuff.
Product: Debt collection

My mother was a patient at XXXX a few years ago. 
I do not know why they are harassing me with her debt. I am not, nor have I ever been her POA or otherwise financially responsible for her bills. 
I have contacted XXXX a couple times after receiving threatening letters from them and have ademately informed them that I Am not responsible for payment of my mother 's bills. I Have let them know the same when they have called harassing me. They have fraudently gained my personal information and is threatening to defame my name with these fraudulent charges of my owing them a debt. I do not owe them a debt of any kind. I have never been a patient there nor am I financially responsible for anyone who was a payient there. They rudely keep saying they will remove my name and get this straight but it continues to exculate and I am being harassed more often and the threats are getting more severe.
Product: Debt collection

I learned yesterday, XXXX that I had a delinquency notice against my credit report. Upon reaching out to the debt collector, I learned that they never sent me proof of the debt owed, despite being requested on or about XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX : {$650.00} COLLECTION XXXX Balance : {$650.00} 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 XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Incorrect personal data is listed on my profile. I request you to review the documents that contain my accurate details.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Account Information Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX XXXX XXXX This letter serves as a formal dispute of inaccurate and unverifiable information reported by your company on my credit profile, specifically regarding account [ Insert Account Number ]. My credit was affected by the Equifax data breach, and I have reason to believe this account is fraudulent, inaccurate, or unverifiable. I am prepared to consider legal action should this matter not be resolved promptly. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to : Provide complete validation of this account, including a signed agreement with my original creditor that proves my obligation.

Ensure the accuracy and legitimacy of the information reported to all credit bureaus.

If you can not verify this account within 30 days of receipt of this letter, you are required to remove it from my credit report per FCRA guidelines. Failure to comply may result in legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing litigation.

This dispute includes : Copies of my identification and proof of address for verification purposes.

A detailed statement of the inaccuracy and why the account is disputed. 
I expect written confirmation that this account has been removed or verified, along with an updated copy of my credit report, within the legally required timeframe. Should you fail to act, I reserve the right to pursue all available remedies under the law. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX when i bought the XXXX, i took out a 72 month loan. I talked with XXXX at the dealership, he was the Financial manager. He told me that if i paid extra on my principle it would make my payment go down. I did this every month, never having to pay the full payment until this month. The loan due date isnt until XX/XX/XXXX the amount left on the note is XXXX. This would be XXXX a month. That was my plan when i bought the car, have a small loan payment at the end of my note and XXXX, ( Nissan Financial Agent ) agreed it would work this way. Now Nissan Financial is saying that i have to pay XXXX and my agreed to terms will end a year early. This isnt what i was told or the contract that i signed. If i had wanted a 60 month contract i would have signed a 60 month contract and i would have never had my witnessed conversation with XXXX.
Product: Student loan

I consolidated my federal student loans with XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX and later inquired about income based repayments and public service forgiveness programs. I was told my FFEL loans would qualify and all on time payments would count toward the PSLF. They indicated the payments and loans would be forgiven after 120 on time payments. XX/XX/XXXX I submitted my certification paperwork to begin the PSLF process. I was notified on XX/XX/XXXX my current loans were not in an eligible loan program. I would not have consolidated my loans with Great Lakes had I been told it was not an eligible loan for PSLF as my loan balance has remained as I made lower payments with the anticipation of forgiveness after 10 years. I am now being told I must consolidate my loans again with another agency and none of my past payments are qualifying. Many financial and career choices were made with the consulting I did with Great Lakes. Now my family and I are told we must start over if we wish for pay off our loans.
Product: Mortgage

will not pay my escrow. loan paid in full. Mortgage was paid off XX/XX/XXXX escrow in the amount of {$XXXX} XXXX has still not been paid as of XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland creditXXXX bank XXXX XXXX accounts with Midland credit XXXX XXXX was paid in full but they refused to report it to the three credit reporting agencies and it is still open as not being paid in full. they have acknowledged the received the cheques both accounts were paid XXXX  account # XXXX in the amount {$3800.00} account # XXXX amount {$3600.00} XXXX XXXX Mortgage, I have not had my Mortgage with XXXX for over 7 Years and it is still showing up on my credit report
Product: Debt collection

My grandmother, XXXX XXXX XXXX, ( deceased XX/XX/14 ) took out additional student loans in my name through, what I can only assume, was a forging of my signature. I was never aware or informed of these loans that are currently in collections with XXXX XXXX XXXX   and only just saw them on my credit reports when applying for a home loan this past winter. I have contacted XXXX XXXX  ( the original debtor ) to no avail and have also attempted to contact XXXX XXXX XXXX but do not have account numbers or my grandmothers SSN and can not prove I have access to these accounts as I have never received written acknowledgement of these debts.
Product: Student loan

I have contacted the company several times. Their payment system charges me extra interest randomly, even though I make a small payment every day to pay the daily interest and part of the principal. They refuse to admit there is an issue.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit card

I have a revolving credit card with Citibank. I have had an account there since XX/XX/XXXX. The maximum limit on that account is XXXX. The current balance is {$12000.00}. I used it to travel with a year ago and I have been paying it off monthly. I am not using it until I pay off the balance and I have not missed a payment, in fact I usually pay more than the minimum required payment. As of XX/XX/XXXX I received notice that my interest rate had been increased from 18 % to a punitive 29 %. I have never had a late payment and there is no reason for them to jack up the interest rate to a punitive level.
Product: Mortgage

I called BSI Financial Service at XXXX on XX/XX/2023 to verify what happened with the check send on XX/XX/2023 and the agent told me that the check did not arrive because the address they send was misspelled, he told me to follow up on XX/XX/2023 I could not do that follow up and on Wednesdays ' XX/XX/2023 I went to my office and the check did not arrived yet. 
I called BSI Financial services ' at XXXX on XX/XX/2023 around XXXX XXXX  and the agent XXXX XXXX number XXXX said exactly the same history the other agent said me on XX/XX/2023 that he was going to escalate the issue to the escrow cash team I asked him to a case number he told me that they do not provide that I asked him if there is a way I can receive information from the company of the status and he told me that they do not operate in that way and the only way is calling, so that I need to call on XX/XX/2023 to follow up. 
Because of this situation I think I am in a deadlock and not receiving the escrow disbursement timely.
Product: Student loan

According to Alltran 's record, they received my student loans with a balance of {$38000.00}, from two consolidation student loans that I refinanced on XX/XX/XXXX for {$21000.00} and {$6900.00}, respectively ( although that is a dispute by itself ). They received this account in XX/XX/XXXX. So the defaulted loans were not paid from XX/XX/XXXX-XX/XX/XXXX ( 38 months ) by the time they received them. They both have a fixed interest rate of 5 %. No other fees were indicated prior to defaulting. So the total amount in fees, using a compound interest calculator with a 5 % charge would make the new balances for the loans {$8100.00} and {$25000.00}, or a total of {$33000.00}. In that contract, the fine print indicates that once it's defaulted, the collection company ( Alltran ) MAY add up to 18 % in fees for collection. Even if that was done according to the contract, that would be a total of {$6000.00}. The cumulative total would be {$39000.00}. This year, without any formal notice or anyone reaching out to discuss repayment options ( or without any bills or other correspondence ), Alltran garnished my tax return for {$8400.00}. If that was applied to the total balance, which is have reason to believe is completely inaccurate, that means my total debt would be {$31000.00}. The excess fees are not in the contract. The interest accrued and charges are not in the contract.