23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Fed loan service has me at a CLOSED status and a {$0.00} dollar balance and I ask them to remove the account because the remarks and late are effecting my score negatively. I am in the process of trying to buy a home and cant do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unfamiliar and wrong information on my credit profile, I still over 45 days later have NOT received a response yet! Im obviously being taken advantage of and my disputes are being ignored. According to SECTION 611 ( a ), a failure to investigate these items within 30 days give legitimate reason to immediately remove those items from my credit profile it has been well over 45 days so they should be deleted right away. I demand these accounts be deleted immediately or I promise to file for litigation due to the frustration, confusion, and stress you caused me. My information was also impacted by the equifax data breach and someone may have gained access to my information.
Product: Bank account or service

I received a letter from Citibank informing me that I could submit a claim to be included in the lawsuit against them regarding their identity theft monitoring product. However, the website address in the letter took me to a page that does not exist. I spent a half hour searching the web and making phone calls trying to find the correct web address. I called Citibank at a number I got from the internet ( there was no phone number in the letter ) at XXXX. The agent there had no idea what I was talking about and gave me the number for the FTC ( XXXX ). They also had no idea what I was talking about, and gave me the number for the Consumer Financial Protection Bureau. I spoke with XXXX, who supplied the correct web address XXXX and I successfully submitted a claim. All of this took 28 minutes. I then spent another 10 minutes filing a complaint with you about the misdirection perpetrated by Citibank in the letter they sent me about filing the claim. All in all, this cost me nearly {$50.00} because my time is worth {$75.00} an hour. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, 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 a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX XX/XX/2020 : done Public Records Public records include bankruptcy filings, court records, tax liens and monetary judgments. They remain for 7 -10 years. 
No Records Found. 
Account History Accounts " paid as agreed '' can remain on a report for 10 years from last activity. Negatives should be removed after 7 years or 10 years for bankruptcies. 

Account Name : XXXX XXXXXXXX Account # : XXXX High Balance : {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED XXXX, EXPIERAN AND XXXX  TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.
Product: Mortgage

ON XX/XX/2020 XXXX XXXX  OF I3LENDING INC ORDERED A VA APPRAISAL OF PROPERTY XXXX XXXX XXXX XXXX, MD XXXX. THAT APPRAISAL WAS ASSIGNED TO AND COMPLETED BY XXXX XXXX OF XXXX XXXX XXXX, XXXX THE FINISHED APPRAISAL REPORT WAS UPLOADED TO THE VA PORTAL  ON XX/XX/2020. THE AMOUNT OWED FOR THIS COMPLETED SERVICE IS {$570.00}. NUMEROUS ATTEMPTS OF COMMUNICATING THIS DEBT HAVE BEEN MADE TO XXXX XXXX XXXX  PHONE NUMBER AND EMAIL STARTING ON XX/XX/2020. TWO LATE FEES HAVE BEEN ADDED IN REGARDS TO THIS EGREGIOUS NONPAYMENT. 
ON XX/XX/2020 XXXX XXXX FINALLY COMMUNICATED THAT SHE WOULD NOT BE PAYING THE DEBT OWED BECAUSE OUR COMPANY DOES NOT ACCEPT CREDIT CARD PAYMENTS AND I3 LENDING INC DOES NOT PROVIDE HER CHECKS. I3 LENDING INC DID NOT STATE IN ANY WAY THAT PAYMENT COULD ONLY BE MADE THROUGH CREDIT CARD SERVICES BEFORE COMPLETING THE VA APPRAISAL.
Product: Debt collection

I pull my credit as XXXX XXXX service women in XXXX XXXX for 1st time in years on XX/XX/XXXX. I found out that my car that was repossessed in XXXX violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. Santander Consumer USA had my account # XXXX that I purchased XX/XX/XXXX until they came in repo it XX/XX/XXXX was saying it place in Collection/charge off. I would like this item to be deleted off my credit report because it is put of the resolution to the settlement Santander Consumer USAs Subprime Auto Loan Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. 
Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. 
Consumers who are eligible for relief under the settlement please contacted by the Attorney Generals Office. 

As a consumer I fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit.

The Attorney General 's Office have told me to send the respond to them if they don't resolved this matter.
Product: Mortgage

This is part of my 2nd complaint about Real Time Resolution, they are a Zombie Mortgage Scam! I will not give up since they bankrupt me and im homeless!! Please help me and if you cant who else can I go to? My name is XXXX XXXX which you already have my prior complaints but you havent helped me!! Please Im begging you to help me!
Product: Debt collection

Called me threatening to sue me without giving me any information. Also called my daughter threatening her also.
Product: Debt collection

this medical bill was paid by me in 2015 as well as my insurance, the collection agency keeps reselling the debit to other companies
Product: Credit card

I initially received a letter from Comenity bank dated XXXX XX/XX/XXXX. Several letters have gone back and forth- they never refer to or acknowledge any of mine. Below Is the correspondence I have sent. I have also filed a Police Report with the XXXX Illinois Police Department. XXXX Police Department XXXX number : XXXX I have attached a file of all my letters. They pretty much describe it all. They say I have an account open with unpaid charges and I say I don't. They sent me a card in XXXX but it was never activated and definitely never used by me. One thing that is striking is that in a letter of XXXX XX/XX/XXXX they say " We have concluded that you are not responsible for the disputed fraud transactions ( s ) on this account '' and then the arrears letters start all over again. I thanked them for concluding I wasn't responsible but that I had not submitted any fraud claims to start with and never had activated that card. Their initial letter to me of XXXX XXXX started it. In that letter, their letter head had XXXX addresses - XXXX XXXX XXXX XXXX ( no state or zip ) and my address XXXX XXXX in XXXX, Il. I asked them then what that address was and why they would address the letter to XXXX addresses. As typical no response to my question.s
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed a report and ask that the unauthorized charges be removed from credit report.
Product: Debt collection

To whom it may concern, In response to my complaint # XXXX-XXXX submitted on XX/XX/XXXX via CFPB to PRA, please be advised i never received any letter or/and any correspondence on XX/XX/XXXX ( see attachment ) and clearly PRA knew i was living in New Jersey at the time. I wasn't given the right to dispute this debt and clearly it was done intentionally on PRA 's part.
Product: Debt collection

XXXX XXXX has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called XXXX XXXX  back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account mjelliot.com to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe XXXX XXXX is overcharging me and they will not discuss my account with me I don't understand how XXXX XXXX a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX and Experian about the alleged XXXX on my credit file. I asked for verification and the reply was The circuit courts, and from XXXX XXXX. I have reached out to the circuit courts and obtained documentation stating that the courts do not share information to any credit bureau or third parties. XXXX XXXX investigated the information as well and deleted the alleged bankruptcy. Pursuant to section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) .Experian and XXXX is in violation of my rights.
Product: Mortgage

Our mortgage company ( BSI Financial ) has not paid our real estate taxes since XXXX of 2015 out of our escrow account.
Product: Credit reporting or other personal consumer reports

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V states that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete, and this has not taken place. I have repeatedly tried to contact credit bureaus and resolve this issue and have been unsuccessful. I will include a copy of my police report and XXXX report with these complaint as advised to do so by credit bureaus.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX, 2024. I saw some hard inquires that did not have permissible purpose. I sent a letter to Equifax on XX/XX/XXXX and XX/XX/XXXX of 2024 through certified mail and asked them to investigate this but they still have not fixed this problem. Can you investigate this matter. I also attached evidence.
Product: Debt collection

I moved in to XXXX XXXX apartments in XXXX and moved out in XXXX but they are saying I owe them money for unpaid rent. I have never been late or had any trouble while I stayed in the apartment while in my lease. I have a copy of my lease that ended XX/XX/XXXX so I do not owe the apartment complex. I have contacted them and asked them to remove this as I can't get another apartment until I prove did not owe them for the time they have listed. I was in the hospital and family moved my belongings and now I am trying to get a new place and was told I had a dept. XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX. I have never been late or not paid a dept please ask them to provide pay history as I have asked and got no response, I even sent a copy of lease because the dates that have I was not in a lease or contract
Product: Mortgage

I have recently purchased a home and have an escrow account through Chase bank to manage property taxes in XXXX. The escrow account paid my PRIMARY property bill late, then charged me the late fee. I spoke with Chase 3 times about this matter with no resolution. Initially I had to tell them multiple times this was the primary ( non-supplemental bill ). 

Then they said the county failed to send the bill. I called the county and they claimed otherwise ( not to mention the bill itself has a " Corelogic '' tracer number, indicating that the County did pass it onward ). The bill itself states that the mortgage company requested my tax bill.

Chase 's representative changed the story again, and claimed they paid a tax bill ( a supplementary one that we paid, as it is not Chase 's responsibility ). Oddly, they paid this small bill, but not the bill they are responsible for ( which matches the exact amount due and what they calculated we withold ). When asked why they did pay, but late, Chase claims their system scans for errors and caught the unpaid bill and paid it. 

I am in total confusion that Chase thinks I should cover this late fee. The account had the funds present for this purpose and they appear to have failed at their fiduciary duty. At this point I will write a " RESPA '' complaint as multiple phone conversations have failed to solve the problem. Chase needs to pay the late fee for their late payment of my property taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times about my credit file reflecting multiple inaccuracies and have not gotten anywhere. They either send me a canned letter back saying absolutely nothing or in this most recent case, I receive nothing. I want this this bankruptcy that is a violation of my rights, removed from credit file, immediately. The people that they told me that verified this information sent me a letter on their letter head telling me that they have no knowledge of this information, so Equifax has been lying to me since I started this dispute. I want this item DELETED immediately. 

I am NOT a third party, I am complaining on behalf of myself!
Product: Mortgage

I went into forbearance with XXXX XXXX on my VA loan in XXXX and renewed it a number of times with no issue until I decided to resume payments and they demanded the full amount of the amount due from forbearance. I applied for and was denied any loss mitigation through the lender and then the loan was sold to fFagstar bank which has proceeded to place my home into foreclosure for a sale date of XX/XX/XXXXXXXX  Again I am being told that in order to prevent the sale of my home I must pay a total of over {$50000.00} plus attorney fee 's. 
The forbearance was initiated under the CARES ACT and I was not given any assistance handling the amount that was in arrears and instead was being told I had to pay that amount in full. I can and wiill be able to resume payments but I want to save my home.
Product: Credit card

I've been a Kohl 's store card holder for many years, probably at least XXXX or more. Kohl 's sent me an unsolicited Capital One Rewards Visa card in place of my store card I've had all these years. I was not given the option to opt out before hand, or even a choice. 

I do not want any accounts with Capital One, I managed to get all of my accounts with them paid off and closed and do not like having to deal with their customer service. 

I contacted Kohl 's about this issue and was instructed to call Capital One to have my card converted back to a store card. I could only do this if I had not made any purchases on the new card ( I haven't ). None of this was communicated to me, I had to go find this information. What if I had accidentally purchased something then found out I didn't have to keep that card? 

I had to call Capital One to correct what Kohl 's did to me. The Capital One representative kept trying to get me to keep the card by rattling off all the rewards and backwards threats, " If you cancel this, you won't be eligible for these offers '' etc. 

I have NO idea if they are going to transfer my credit balance back to a Kohl 's store card and more favorable interest rates or if they're leaving it on Capital One and my Kohl 's balance starts from XXXX, time will tell. All of this has been a horrible experience and feels very fraudulent/bait and switch.
Product: Checking or savings account

I have a dual-witnessed, notarized XXXX XXXX XXXX XXXX XXXX XXXX XXXX POA ) that appoints me as Agent ( attorney-in-fact ) for my aunt ( the Principal ). There are no restrictions on the powers granted by the POA. 
Wells Fargo reviewed and accepted the POA, and I am listed as POA on the account. However, they refuse to allow me to add a beneficiary ( other than myself ) on the account, saying that the XXXX XXXX form does not explicitly allow managing beneficiaries ( though a section called " XXXX, trust and other beneficiary transactions '' says, " To ... assert any interest in and exercise any power over any ... property subject to fiduciary control. '' Without beneficiary, in the event of my aunt 's passing, the funds in the account will be tied up in probate and unavailable to use for funeral and other necessary expenses. The funds will be locked and remain as Wells Fargo assets, until such time they are released by probate.
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 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX  XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX : {$7000.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach below in the attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX XXXX I've sent a letter about those accounts were used without my permission. but It's almost 2 months now don't have any response yet. I was so stressed, I got a low credit score. I need Help to resolve this issue. I already contacted credit bureaus and furnishers.
Product: Checking or savings account

CIBC Bank USA Smart Checking Account # XXXX For reasons unknown to me, soon after this account was opened, a restriction was placed on the account, and I lost complete access to my account or the funds in the account. All I have been told is " Your account is under investigation by CIBC and it might take up to 60 days. '' No reason has been provided as to why my funds are being held hostage. 

I hereby demand this account to be closed effective immediately, and a check in the amount of {$12.00} ( balance in the account ) to be sent to my mailing address on file. 

Sincerely, -XXXX XXXXXXXX
Product: Credit reporting 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 EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$3800.00}
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Inquiry Removal Request Pursuant to Virginia State and Federal Law Dear Sir/Madam, I am writing to request the removal of an unauthorized inquiry from my credit profile. The correct inquiry is from Capital One Auto Finance on XX/XX/2022, not XXXX XXXX XXXX XXXX as previously reported. 

The unauthorized inquiry conducted by XXXX XXXX XXXX XXXX lacks permissible purpose as it was undertaken without a court order or my written consent. This action is in violation of both Virginia state law and federal law. 

Under Virginia Code 8.2-201, only permissible inquiries, which include those made with the consumers consent or pursuant to a court order, are permitted. Additionally, the inclusion of this unauthorized inquiry on my credit profile is a violation of the Virginia Consumer Protection Act ( VCPA ), as outlined in Virginia Code 59.1-200 et seq., which prohibits deceptive acts or practices in connection with consumer transactions. 

Moreover, this unauthorized inquiry violates the Fair Credit Reporting Act ( FCRA ) Section 604, which stipulates that consumer reporting agencies may only furnish consumer reports under certain permissible purposes. 

I view the inclusion of this inquiry on my credit profile as nothing short of identity fraud and a severe breach of privacy. Furthermore, the reporting of this unauthorized inquiry is in direct violation of the FCRA Section XXXX, which mandates that consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information contained in consumer reports. 

It is imperative that XXXX XXXX XXXX XXXX takes immediate action to remove this unauthorized inquiry from my credit profile within the next XXXX days. Failure to comply with this request will be interpreted as willful non-compliance, subject to penalties under both federal law and Virginia state law. 

I firmly assert that this inquiry is unverifiable due to the absence of permissible purpose on XXXX XXXX XXXX XXXX part. I expect prompt action on this matter and confirmation of the removal of the unauthorized inquiry from my credit profile. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my right. There are late payments list XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.