23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Billed for internet services at a storage location where services have never been set up. Nor were they requested to be set up.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed accounts that I have not authorized nor have any affiliation with. I contacted the credit reporting agencies to resolve the issue and also request method of verification. I have not received a formal response, and these fraudulent accounts reporting to my profile are severely impacting my ability to obtain credit. 

I have the right to privacy and have not given any written consent for this information to be furnished to my profile which is now in violation o

f 15 USC 1681b Furnishing fraudulent account in direct result to identity theft is in violation of 15 USC 1681 c-2. I requested addresses be removed from profile where I've never resided to preven
t erroneous information from being furnished to my report. This issue still hasn't been resolved.
Product: Credit reporting or other personal consumer reports

I am filing a lawsuit against equifax for failing to properly investigate my disputes involving inaccuracies in my credit report. Despite, my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of through investigation. This action violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the ( CFPBs ) recent administrative proceeding ( File NO. 2025 CFPB-0002 ) against them for the similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.
Product: Mortgage

Borrower suffers from XXXX and has been through a grueling process to try and keep his home. Now, he is in a short sale and we were able to obtain an all cash non-contingent offer at a price we believe is more than what the banks own BPO came in at. Nationstar has been made aware of the borrowers medical condition and how the stress of the process continues to affect him yet they have not responded to the offer stating the borrower has to list his home on their auction site and go through an auction process to " validate '' the sale to make sure they are receiving an offer that is in line with fair market values. We have asked the bank to provide us with a copy of their own BPO or to tell us what the BPO came in at and they will not. In addition, strangers came to the property today and knocked on the door stating the property was listed online as going to auction today. When I called the bank, the bank said they have not scheduled the online auction and did not provide a time frame. I have checked with foreclosure advocates and attorneys and a few of them had said that Nationstar has not made this a requirement for ALL borrowers and the fact that the borrower informed them in writing of his medical situation and his disagreement with having to be placed in an online auction should have been enough for Nationstar to provide him with an exception to the online auction like they have done for other borrowers.
Product: Credit reporting or other personal consumer reports

the information reporting on my credit is incorrect and inaccurate, they have not provided me with the validation i requested not once but TWICE ive asked for these accounts to be validated and verified. i have not received any paperwork or contracts signed by me. 

they have Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports. 
please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this information is hurting my life and preventing me from getting a auto loan. please help.
Product: Student loan

I am not trying to get Navient in trouble I just need help with them trying not to let my private loans default. I have been doing my best to pay on my private student loan but this month I was not able to pay it and now I am going to be in default by XXXX XXXX. My bal is XXXX in the rear that needs to be paid. But, I do n't have the money to give them. And I want them to give me until the XXXX of XXXX to give them the money. I had lost my job and I got a new one and the day I get paid is on the XXXX of XXXX and I just need time to pay them. Please help me. I do n't want my credit more damaged then it already is. Plus, I do n't want them to garnish my wages.
Product: Mortgage

In XXXX of XXXXXXXX  the state of Florida was hit with hurricane Irma. The state was declared a natural disaster. My husband and I contacted our mortgage company Planet Home Lending and they advised that we could have our loan modified due to this disaster. We advised Planet Home Lending that we had expenses associated with the hurricane, for example we had no power for over 3 weeks, we had some property damage that did not meet up to the insurance deductible. We were approved for a trial modification after the mortgage company instructed, we need not pay for 4 months. We paid the amount through the trial period and we were finally approved for the final modification. A title search was done, and Planet Home Lending indicated that there was a lis pendens filed by our homeowners association for a {$58.00} per quarter assessment. We informed Planet that we were in litigation with the association because the claim of lien and lis pendens were both fraudulently filed as we paid the assessment. We were advised by Planet Home Lending to continue to pay the trial amount while litigation was pending. In XXXX of XXXX Planet advised us that they could not wait for the title to be cleared up, so our modification was denied citing cloud on title as the reason. Subsequently, our credit was reported as delinquent for more than 90 days and our credit score plummeted by almost 100 points. The denial letter advised we could appeal the denial in writing. in addition, Planet refused to accept any further mortgage payments from us. I did the appeal of the modification in XXXX of XXXX. Planet advised that I needed to resubmit a borrowers assistance package and bank statements. We did as request. Planet Home Lending would call at least 3 times a week requesting extra documents, we complied with the request within 24-48 hours each time. On XX/XX/XXXX at XXXX Planet Home Lending advised us that our mitigation package was complete and is with underwriting and we should receive an answer within 30 days. On XX/XX/XXXX one day after we were told they had the modification in process we were served with foreclosure documents. I contacted Planet Home Lending on XX/XX/XXXX at XXXX wanting an answer as to why we were receiving foreclosure documents when we were in constant contact with them, in modification and not just a new modification, an appeal of the modification request from XXXX. It is our belief that Planet Home Lending deceived us and treated us unfairly. In addition, I believe Planet is in violation of Regulation X, wherein we were in active modification process and then a foreclosure was filed. We need some assistance and guidance. Our credit score is damaged, and we could lose our home. I am attaching a copy of the Modification denial.
Product: Debt collection

My company ( XXXX XXXX ) was using a fire alarm monitoring service provided by a company called XXXX XXXXXXXX. 
I signed the service contact ( XXXX XXXX ) and it gave a personal guarantee. The contract did not how ever list or explain what would happen if the contract was canceled. And I was charged a fine of {$7200.00}. 
XXXX XXXX then employed a debt collection agency called Keynote Consulting to collect the debt. I then passed the dispute to my lawyers who highlighted the issue that the charge was not valid since it was no included in the signed service contract and there was no mention of a fine in the event of early termination. 
Keynote consulting then filed circuit court of XXXX county and the case was dismissed, but yet the charge of {$7200.00} remains on my personal credit and as the debt collector from Keynote consulting said " they will keep dinging my credit until I pay up '' As you can see from the attached contract no where does it mention a early termination fee. And as the case was dismissed in court, the charge should be removed from my credit report. 
Thank you for your time.
Product: Mortgage

I have a loan with MidFirst Bank serviced by Midland Mortgage. I am requesting information regarding your active Bonds on file. Please see attachment for request of information.
Product: Debt collection

I am not liable for this debt with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$840.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year> {$300.00} was sent via PayPal and was fraudulently withdrawn via a XXXX  conversion. My Bank put a stop payment on the transaction to PayPal but the money was withdrawn anyhow.
Product: Credit card

in XX/XX/year> I received an email from Citibank to be on the look out for my annual membership dues bill. I logged into Citibank and enrolled in autopay to pay this annual member ship fee. Today, I received another bill for XXXX remaining plus a XXXX Cent Fee charge. It is my understanding that a " membership fee '' is something one pays all at once and this would be my sole amount due on my account. 

It is an unfair practice for Citibank to now call this a " balance '' vs. member ship fee. They broke it into two different charges and only took the " minimum '' balance from that " membership fee '' and moved another XXXX over to the next month so they can collect XXXX cents in " fees. '' UNFAIR
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Debt collection

To whom it may concern, I disagree with a balance reported on my credit by CCI collection company. I talked to XXXX XXXX on multiple occasions and asked them to provide me with all documents and account history to prove I owe them {$330.00}. Until now I never received anything that would show me I owe them that balance. I even reached out to the credit bureaus to help me to resolve this issue. I have been a great customer and paid all my bills on time with XXXX  XXXX. As far as I remember I do not owe this company anything. I respectfully ask you to help me to remove this derogatory account from my history because it is affecting my home buying ability. 

Thank you very much
Product: Credit card or prepaid card

I APPLIED AND WAS APPROVED FOR AN AMERICAN EXPRESS DELTA PLATINUM CARD. THE CARD HAD A BONUS OFFER INCLUDED. THE OFFER WAS RECEIVE XXXX BONUS MILES AND XXXX MQM 'S WHEN YOU SPEND AT LEAST {$3000.00} IN THE FIRST 90 DAYS THAT THE ACOUNT IS OPEN. IN ADDITION RECEIVE A {$100.00}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{$100.00} STATEMENT CREDIT IS ABOUT TO EXPIRE AS WELL. I HAD PLANNED TO MAKE A DELTA TICKET PURCHASE WITH CASH + THE SKYMILES BUT HAVE DECIDED TO WAIT TO SEE IF AMERICAN EXPRESS IS GOING TO HONOR THEIR WORD.
Product: Debt collection

On XXXXXXXX XXXX a check was issued and paid to XXXX XXXX XXXX XXXX pay a old CC debt in the amount of {$5600.00} that originated from Care XXXX XXXX XXXX On that very same day Attorney PATENAUDE & FELIX A.P.C. filed a law suite in XXXX XXXX Superior Court XXXX XXXX XXXX XXXX XXXX XXXX stating this debt had not been paid. I have made several contacts to PATENAUDE & FELIX without a reply for past 4 weeks now included copy of the Check and Cleared Check from the Bank, including mail/email and Fax. PATENAUDE & FELIX A.P.C. appear to be on a quest to negatively ruin my reputation and cause me more financial burden with a illegal law suite with the Superior Court of XXXX XXXX. 
The Debt has been paid there is no reason to continue with a law suite or further negative harassment from PATENAUDE & FELIX A.PC.
Product: Debt collection

GM Financial has continued calling after rectifying the situation and settling the debt. Pleading with them to stop calling has not helped. Abusive, unprofessional, and liars.
Product: Credit card or prepaid card

Within the last two months I requested that XXXX, XXXX card XXXX, transfer {$15000.00} to my U.S. Bank XXXX card XXXX. That requested transfer was promptly made, and that transfer created a credit balance on my said U.S. Bank card, which credit balance I asked U.S. Bank to refund to me. U.S. Bank promised to promptly refund the credit balance to me by check payable to me. Some two weeks later I receive a letter from U.S. Bank stating, in effect, that it had elected to renege on its promise to refund the credit balance by sending a check to me, but instead had sent that balance to XXXX, from which had come the payment that created the credit balance. Upon receiving that letter I immediately called U.S. Bank to have them reverse its payment to XXXX, and to send the credit balance to me as promised. The U.S. Bank representative told me that the law, specifically the Card Act of 2009, required that the refund be made to XXXX, not to me ; she said that a credit balance refund made by U.S. Bank to me a month or so earlier was a mistake ; she further said there was no one else at U.S. Bank to whom I could speak about the matter. I researched the Card Act and found nothing therein that prohibited the payment to me that I had requested. I complained to CFPB. U.S. Bank, in response to my CFPB complaint, said that it had the option to refund to me or to XXXX, and, apparently to save the expense of making a check, and the cost of a stamp, elected to breach its promise to me, and leave me in financial distress, by electronically refunding to XXXX. U.S. Bank, in its response, acknowledged that the credit balance was owed to me. So we have U.S. Bank fibbing to me about the law requiring it to send the refund to XXXX, breaching its promise that it would send the refund to me, leaving me short some {$15000.00} that I needed to satisfy my obligations to others, causing me to lose the benefit of the transfer from XXXX, and to receive no benefit for the time and expense I incurred to obtain that transfer, all, I take it, to save the expense of a stamp. Your previous case number, regarding this matter, is XXXX, filed on XX/XX/XXXX. What I would request of U.S. Bank is that they now make partial amends by granting to me, against my said U.S. Bank card, or other U.S. Bank cards I hold, the same deal that U.S. Bank caused me to lose with XXXX, i.e., {$15000.00} at zero per cent interest until XX/XX/XXXX, assuming that U.S. Bank is unable to retrieve its payment to XXXX and pay it to me, as it should have done, and as it promised to do, in the first place. Perhaps U.S. Bank was jealous of the deal I was offered by XXXX, and took it upon itself to be a vigilante, and to punish me for trying to get the benefit of a bargain. Or did it do what it did just to save the expense of a stamp? I would at least like it to answer the question just posed. XXXX XXXX XXXX
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 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 an Account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

During the month of XX/XX/2022, I received an advertisement in the mail from a loan company by the name of " XXXX XXXX. '' The promotional material promised before entering my information into their pre-screening form that there would be no hard inquiry performed into my credit. I was not approved for credit by XXXX but then on XX/XX/XXXX I received another email suggesting that I " Check Rates At XXXX, '' a " XXXX trusted partner, '' again with the promise that it " Won't impact your credit score. '' However, after entering my information, on XX/XX/XXXX I received an email from a company called " LendingPoint LLC '' stating that they had ordered a credit report from XXXX on XX/XX/2022 regarding my " application. '' I'm not sure if LendingPoint LLC is a real company or if this is just a scam trying to steal my identity, but now I have a recent credit check showing up in my credit report, which was completely unauthorized by me. I have tried contacting XXXX directly to see what can be done, but the XXXX was unable to assist and I was unable to make human contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I had to switch bank account numbers due to fraud and someone writing a check on my account by computerized means. 

My car payment was pending and I specifically asked if that payment would go through and I was assured it would. 

Well today I was notified the payment was returned and did not go through
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX  account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -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.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX  ( XXXX ) pandemic during the covered period.
Product: Credit card or prepaid card

Though there was a $ XXXX/yr membership fee for the Barclays XXXX XXXX credit card, Barclays promised a one-time XXXX bonus miles if you spend {$2000.00} on the card within 90 days of having the card. 

I spent {$2000.00} within 90 days of account approval ( " XX/XX/2019 to XX/XX/2019 '' ), but I didn't get the bonus miles. When I enquired, Barclays said their account opening date was when you submitted the application form, " XX/XX/XXXX '', not the date when you were approved to use the credit card account, " XX/XX/XXXX. If the date to be considered is less than XX/XX/XXXX, I would be a few dollars short for qualifying for the XXXX bonus miles. 

For consideration, I reported to Barclays that I was unable to use the credit card for about 30 days of the 90 days period because the chip on the Barclay 's credit card stopped working in XXXX. As I was traveling, I did not received the replacement card till a month later ( end of XXXX ). The faulty credit card was refused by the various merchants because it was a " chip card '' ; the merchants refused to manually enter the credit card details. I ended up using a XXXX credit card during this time period. Barclays rejected the request to extend the date count for usage handicap period. 

I then tried to cancel the card and get a partial refund of the membership fee ; especially since Barclays was quibbling on the dates in order not to grant the bonus miles. Barclays refused to refund the membership fee. 

Would you be able to help me investigate their account policy in relation to these bonus miles? Barclays should not count dates when you're unable to use their credit card. If Barclays does not honor their advertised bonus miles, clients should be able to cancel the Barclays card and get back the membership fee.