23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I am/was currently financing an auto through an entity called Consumer Portfolio Services, ran into unexpected hardship, to which I informed the finance company on or around XX/XX/2016 of my personal financial hardship and distress explaining as to why I could not pay the, demanded @ {$800.00} - {$1200.00} max due to the fact I was not successful in borrowing any funds just yet. I spoke with XXXX member @ EXT XXXX c/o XXXX who offered me a 2 month extension with the stipulations which required me to make a ( XXXX ) month payment in the amount of {$390.00} - {$390.00} maximum to bring the account up and concentrate on XX/XX/XXXX 's by next month of XX/XX/2016 since my income will be stabilized afford me stationary monthly payments with the option to sign up for auto pay. 
Fast Forward : On or around Friday XX/XX/2016, I returned XXXX phone call and was astonished to hear that the prior verbal promises, and agreement was being revoked due to the staff member announcing that " she was fairly new and did not review my loan file prior to her offering solutions to my dilemma. forced to Although I am being forced to live/ sleep in my vehicle, the offer from XXXX of ( 1 ) of regular payment @ {$390.00} plus a ( XXXX ) month extension was revoked so XXXX stated '' that at this point they could only offer me a possibly due date change which would give ( XXXX ) more days to come up with the entire balance, therefore, I would still be responsible for the entire past due balance of {$1200.00} to continue to keep the car, or the vehicle of which XXXX is financing ( XXXX ), will be REPOSSESSED effective immediately!
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) issued a XXXX to cancel the foreclosure debt in XXXX. In XXXX XXXX  sold my information to XXXX XXXX XXXX ( XXXX  ). XXXX XXXX XXXX purchased the information and some how got a judgement against me in a Wisconsin Court. Dobberstein Law Firm contacted me in XXXX stating they had a garnishment against my wages from a court date that happened in XXXX. I was never notified and did not know about the court date to try to show that the debt was cancelled and no longer a valid debt. Several attorneys have told me that it is illegal to " double dip " meaning getting a tax break from the government by issuing a XXXX and then selling the bad information so that another company can collect. I would like for this to stop. I have notified the Dobberstein Law Firm that this was a cancelled debt and they refuse to stop with the garnishment. Stating that it is a different account number.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According t

o 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 A person shall not furnish
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 inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

I have over a year i have been disputing these accounts on my credit profile. 

US Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX they are reporting incorrectly which is hindering me from the proper use of my credit.
Product: Debt collection

I received a letter notifying me that H & R Account was attempting to collect an alleged debt on XX/XX/XXXX. I did not recognize the amount or the date of service so I sent a certified mailing requesting verification on XX/XX/XXXX. See attachment.
I never received any verification back. H & R Account is violating FDCPA by not providing verification of debts. The company has resumed collection activity and has reported the debt to by XXXX credit report as a negative open collection without providing verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Accounts : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions 15 U.S.C 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

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

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

( XXXX XXXX  ) never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/XXXX, I sent Focused Recovery a " Validation of Debt letter that my attorney gave to me. I would like to see the proof that I actually owe these debts as the credit report shows the original creditor to be named only as " Medical ''. I have no idea who " Medical '' is. I also don't recognize having accounts with those balances. I also don't recognize the date of services that the credit bureau shows for these accounts. There are so many things that are confusing about this. 

Account # XXXX {$330.00} and Account # XXXX {$1000.00} What my attorney has told me is that this is not a legitimate debt. So I re-sent the request to validate the debt, and they refused to respond. I don't understand why they did that. I am very concerned about my rights being violated and am going to pursue all legal action to get justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX in XXXX, NC ran my credit with XXXX different lenders without my permission. They have since told me they have submitted XXXX separate letters to XXXX and Transunion to have the inquiries removed. It has been nearly XXXX months and they are still on my report. XXXX and Transunion both declined my dispute to have it removed stating that inquiries are statement of fact. That is ridiculous! That basically allows anyone to run your credit and there is nothing you can do about it. 
I spoke with XXXX today and they stated they have still not received a letter which I find that hard to believe. 
My complaint is with XXXX XXXX for initially running my credit without permission, but also with the credit bureaus who declined to research the fraudulent inquiries without an investigation
Product: Student loan

Fedloan Servicing 's website is what could only be considered intentionally confusing, I dont know how someone could design a website this poorly. All I want to do is determine what loan repayment plan I am on so that I can plan my repayment. I have been logged in to my account with them for over an hour clicking around trying to find a page with the above information. This should be the first thing that appears under account summary.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Product: Debt collection

the collection agency XXXX agreed to delete this account from my report completely once paid ... I paid the {$290.00} even though i did not owe this money..I just wanted to take care of this since it is affecting my credit score ... ..They never deleted it even after our agreement and it being paid in full ... ..This tactic that they used is a violation and i demand that they remove this from my credit report completely now..
Product: Money transfer, virtual currency, or money service

Unfortunately you ( Citibank ) havent answered my personal concern. You have an account with the XXXX XXXX XXXX dept, based in XXXX, XXXX, XXXX. They use your service to transfer cash to pay pensioners internationally their necessary pension incomes. You stopped my pension income for political reasons. Because I am resident in XXXX. My Pension dept say they cant pay me because Citibank refuses to pay XXXX  pensioners resident in XXXX. Do you want me and my family to starve, go in debt and as a result deported back to the XXXX away from my dependant family? 

What can you do to resolve this matter? I too am concerned about the loss of life in XXXX and XXXX due to a prolonged battle killing each other and the starvation of those people trying to make a living and prevented from doing so thanks to the decisions of a handful of individuals. that is not the fault of ordinary people in either country.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Cash App ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective action to prevent and address fraud on their platform, leaving my account and information vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

About XXXX Weeks ago, Laurel Road/Keybank closed my account for what they decided was fraduluant activity. I had recently been sending money to my Laurel Road account because of the high savings rate at 5.25 %. However, I recently decided to send some of the money I had sent to Laurel Road to another institution known as XXXX. Laurel Road decided the account I sent to at XXXX was a closed account and this was fradulant. Now keep in mind the XXXX account is not closed and Laural Road/Keybank do not verify linked accounts with micro-deposits or XXXX. Now, they've shutdown my account and denied me access to my account. They say their investigation is still on going. I don't care about the account, I just want my money. I have a record of every single deposit that went into that account and I want my money returned and I don't see how a bank should be allowed to make up fraud and then deny a customer access to their own money indefinetly.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my Transunion Credit Report i noticed some inaccuracies Below are the unauthorized inquires that were made on my report, i have sent several letters to Transunion about this and called them several times and they refused to remove them off of my report All Below Are From Transunion XXXX - XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 In my letter to them i sent the following along with Identification : I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. 
If any of these claims are not true, please delete them immediately. 
Inquiries I received a copy of my credit report. The credit report showed a credit inquiry by companies that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
Please forward me documentation that you have investigated and removed the unauthorized inquiries. 
Regards You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action
Product: Mortgage

Bank of America 's mortgage loan officer, XXXX XXXX, did not disclose a {$10000.00} fee when she compared XXXX products from which to choose ( FHA loan v. XXXX loan -- her e-mail to me is attached, dated XXXX XXXX, 2013 ) ; the e-mail details costs, fees, etc. but it does not show the nearly {$11000.00} fee mentioned above. Additionally, she did NOT provide a Good Faith Estimate when we identified the house we were to purchase -- XXXX XXXX had taken all income, assets, liabilities information for a home loan ( she also provided a pre-approval letter on XXXX XXXX, 2013 ). Please note that we entered into contract on XXXX XXXX, 2013 and we received the Good Faith Estimate ( attached ) from the Colorado processing center until XXXX XXXX, 2013 ( mailed on XXXX XXXX, 2013 ) -- the first time the nearly {$11000.00} fee was disclosed to us. We had a 14-day financing contingency that was going to expire on XXXX XXXX, 2013 ; we received the Good Faith Estimate after business hours on XXXX XXXX, 2013 so the first business hour opportunity to reach XXXX XXXX was on Monday, XXXX XXXX, which was 5 days before the financing contingency was due to expire. The date of the GFE was clearly beyond any RESPA requirement of 5 days to have been provided to us. Since we could not withdraw the FHA loan without losing the home, we had to accept this loan that was unfavorable compared to the doctor loan that did NOT have the {$11000.00} up-front fee and the monthly PMI of nearly {$800.00} Bank of America misrepresented the loan and did not follow the law, which cost us an additional {$25000.00} until we refinanced the loan ( we now have a 30-year, fixed-rate loan with Bank of America ). The CEO of Bank of America is involved and the person to contact at his office who is fully aware of this matter and its details is XXXX XXXX XXXX at the following number : ( XXXX ) XXXX. Thank you.
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 USC 1681 Section 602 States I have the right to privacy.

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

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 d purpose.
Product: Debt collection

Nationstar Mortgage is attempting to collect a debt without any legal authority. According to Nationstar Mortgage, I owe {$290000.00} and I 'm 77 months past due. I have not made any payments to Nationstar Mortgage since the alleged transfer of servicing of the loan in  XXXX   XXXX . Nationstar contends they are servicing the debt for the   XXXX   XXXX   XXXX   XXXX    XXXX .     The   XXXX   XXXX   XXXX   XXXX    XXXX  was the purchaser of the property in a foreclosure sale in  XXXX   XXXX  and is the legal title holder of the property.  XXXX   XXXX   XXXX ,  XXXX  's predecessor claims I owe   XXXX     XXXX    XXXX   XXXX    XXXX  rent as a result of the foreclosure sale.   XXXX    XXXX   XXXX  and Nationstar Mortgage is playing a cat and mouse game to harass and defraud me. It 's impossible to be responsible for rent and the debt that was foreclosed.   XXXX    XXXX   XXXX  and Nationstar Mortgage ca n't get their lies in sync. I 'm currently litigating with   XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX   XXXX   XXXX  in a pending lawsuit since  XXXX   XXXX  for wrongful post-foreclosure eviction, cancel trustee 's deed, recover title to my property, and numerous fraud claims. I 've attached an excerpt from   XXXX   XXXX   XXXX   XXXX    XXXX  's answer asking for rent in  XXXX   XXXX  during the pendency of the lawsuit. I 'm attaching documents to substantiate my claims. I 've filed over  XXXX  CFPB complaints, review my history. The truth does n't change.   XXXX    XXXX   XXXX  and Nationstar in their capacities as   XXXX   XXXX   XXXX   XXXX    XXXX  's servicers ca n't get their stories straight. Of course, it 's too much for the big law firms representing these large financial institutions to admit they 're wrong. They would rather conspire with each to commit fraud to right their wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Equifax Credit the month of XX/XX/2020 my credit score went down 71 points for reason. I contacted Equifax Credit and asked what was the reason my credit score went down 71 points and there wasn't any change in my credit. I had no late or missed payments from XXXX to XXXX of 2020 and Equifax Credit was unable to find any issues themselves with my credit but my credit score still went down 71 points. I done an investigation on my own and other people are complaining of the same thing and not getting any answers to their questions either. Could you please research my situation and give me an answers to this problem or just fix the problem.
Product: Credit reporting or other personal consumer reports

Inquiry placed on my file by a company I did not authorize to do so. XX/XX/year> I did not authorize thos
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My Credit was charged so this charge is on my credit an I sent my security to them they accepted it an .I asked if they even practice TILA REGULATION Z I want a full refund I got XXXXwo different XXXX  money deposits fore {$17000.00} an they sent me the other a week later when I reported this XXXX deposit nwas {$500.00} 15usc 1605 ( a ) finance charges 15 USC 1611 I want a full refund cause my credit was charged
Product: Credit card or prepaid card

around XX/XX/XXXX, I tried to use my Chase card and found out it had been canceled without my consent by a customer rep who I had talked to a few days earlier. I called and bitterly complained. The card was reinstated.

Subsequently, I wrote a letter to the CEO of Chase and copies to other departments. I received an email 4 weeks ago saying that they have received my complaint. However, that was the only and last communication. Since then I have called Chase only to be shuffled around and not called back.

At this point, Chase has lowered my credit score when they went to approve me but are forcing me to go elsewhere. 
I want a repair to my credit score ( the ding was minor since I already have a good score, but it still was unnecessary ) and I want someone in the EXECUTIVE office ( not a lowly rep who has no power and will just try to placate me ) to call me back.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX XXXX Bank ) that was done on XX/XX/2023. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up complaint in line with my previous complaint. This complaint is to notify you to remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX