23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/23, got called by them, and the CSR was very rude. Would not identify themselves when asked. THEY finally hung up. I had to call back and speak with someone else. At THAT time, my return call, I requested any and all further communication be via mail. No phone calls, emails, texts, etc. The only communication requested was via postal mail ( USPS ), to which the CSR on the line seemed to have ignored my request and also started getting irritated. 

Today, on XX/XX/23, I get ANOTHER phone call from them, in violation of my previous request to limit correspondence to ONLY mail ( USPS ), and which no other form of communication would be acceptable. 

I have included screenshots of the calls received, showing their calls on XX/XX/23, and again today, XX/XX/23. 


I want to report this to any and all offices that this matter concerns. I will not let this go. This business is operating in violation of this, and Im sure many other areas as well, and needs to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experians interaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EXPERIAN. 
Despite my previous correspondence ( Letter XXXX XXXX ] and XXXX XXXX dated ( XX/XX/year> XXXX XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EXPERIAN has not conducted a proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ EXPERIAN ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX below the inaccurate information persistently affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I can not get them to work with me with my interest rate and payment. I know that I took out the loans but the state I live in pays absolute ROCK bottom for my field of study. I ca n't find another job because the school I attended shut down for lack of accreditation the year I finished and my degree is now tainted.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 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

I previously disputed this information and was told that Discover had instructed XXXX  to remove the inquiries from my XXXX  report. Unfortunately that has not happened and XXXX  informed me that they have not been instructed to remove them. The inquiries are on : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018
Product: Student loan

I am a student, it would make sense to defer my payment while I am in school. The only so-called deferment offered to me involves " interest only payments '' based on the interest bills provided monthly. Payments received during the deferment period will be applied to accrued and outstanding interest and then to my principal balance. I used to pay around 700 $ monthly before deferment. In my first three month of deferment from XX/XX/XXXX to XX/XX/XXXX, I have paid roughly 550 , 500 , 730 , and 420 $ respectively on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX! THEY CALL THIS A DEFERMENT? This is a total rip-off! I need to resubmit all the paperwork every three months because there are no options to submit my documents for an entire academic year and I lost the chance to do so in XXXX because the school was closed from XXXX  XXXX. I submitted a second application in XXXX  XXXX which was approved on XX/XX/XXXX. Being more cautious and proactive, I made a call asking if I am gon na need to make an interest payment by the XXXX XXXX XXXX informing them that my account shows " zero '' due amount. I was told they are calculating my interest amount and that most likely I would not need to make a payment and if I do they will notify me within a reasonable amount of time in advance ... and I get a message on XX/XX/XXXX that I need to make a XXXX $ payment on XX/XX/XXXX. They do not even have the decency to notify you in time. This is the best example of a terrible customer service. I am spending more time worrying and handling my student loan that focusing on studying. Had I known they are so defective, I would have never signed up for their services. I will look into changing servicer.
Product: Debt collection

I completed a Police report on XX/XX/2021. Sent a letter certified mail to AFNI XX/XX/2021 and XX/XX/2021 for validation of the debt and got no response. active fraud alert is on file with all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

A data breach at XXXX XXXX, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced byXXXX XXXX XXXXXXXX An unauthorized party apparently a ransomware group known asXXXX accessed the customers ' information through XXXX XXXX XXXX  system, notXXXX XXXX XXXXXXXXXXXX XXXX, according toa letterXXXX XXXX sent to affected customers, publishedby Maine 's attorney general.Bank of Americaprovided standard two-year identity theft protection to the affected customers. 

The breach occurred XXXX XXXX, according to the letter, and XXXXXXXX XXXX notifiedXXXX XXXX XXXXabout the breach on XXXX XXXX.
Product: Credit card or prepaid card

A feature of the XXXX XXXX XXXX XXXX XXXX Barclays ) is the Baggage Delay insurance. I've contact the insurance Company ( XXXX  ) and completed the claim, but I CAN NOT get a response back from XXXX. Barclays states there is NOTHING they can do. 

As a promoted feature of the Barclays XXXX XXXX, I believe it is something I should be have access to and a service that should not blow me off as a way of ignoring the claim.
Product: Debt collection

I received a notice of collection from a XXXX XXXX, and called to agency to dispute the validity of the debt. I advised the agency of the inaccurate information they were attempting to collect on. I advised the agency the information obtained from the creditor XXXX was invalid and to not report on my credit file until they could prove validity and accuracy of the information being collected. The debt collection agency never proved validity of the account to me either on the call nor in writing. XXXX XXXX has began to report and attempt to collect on an account that was verbally disputed. I contacted the creditor and was advised the agency - Convergent should not have reported anything to the credit bureaus due to arraignments set with XXXX. This agency is participating in unethical and unprofessional debt collection practices and is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second CFPB complaint that i am filing about account ( XXXX XXXX  XXXX XXXX ) on XX/XX/XXXX i filed the first complaint stating that On XX/XX/XXXX i sent a hippa letter to experian credit Bureau on XX/XX/XXXX they sent me an notification on experian.com stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that experian was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and XXXX was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date. After sending this first complaint the company sent a message stating that they were gone to investigate it on XX/XX/XXXX they were still supposedly working on it.. Then on XX/XX/XXXX I received a email stating that the dispute was finished and updated but when i went to check the results absolutely nothing has been changed its the exact same way and reporting the same info as before the dispute
Product: Mortgage

please see complaint # XXXX It has been closed, but there still has not been a satisfactory resolution to the complaint. 
We were automatically enrolled in a forbearance program, we were misled/lied to on every account regarding the process, and now after being told if we signed a HUD modification loan, the account would be brought to current. We have been making timely payments since XXXX, as XXXX, XXXX, and XXXX payments were during the 3 month forbearance program, and were supposed to have been moved to the back end of the loan penalty free, again, we were automatically enrolled, we did not ask for this, now our XXXX thru XXXX payments are showing on our statements as being applied to the " delinquent payments '' of XXXX, XXXX, XXXX. What HUD Doc 's did we sign, and where did that money go? 3 monthly payments total {$4500.00}, Wells Fargo is claiming we owe # XXXX in delinquent payments. I believe we are being defrauded by wells fargo and would be grateful for any assistance in resolving this matter.
Product: Credit card or prepaid card

XX/XX/19. In the week before XX/XX/19 I logged on to my Capital One account to pay my monthly bill. C1 's 1-time security pin for log on was sent, as usual, to my email account ; I logged on successfully and paid my bill. 
XX/XX/19. I attempted to log on to my C1 account and found that C1 had removed the option for email delivery of a 1-time log on security pin, leaving text/voice delivery to my phone. C1 HAD AT NO TIME INDICATED THAT DELIVERY OF A 1-TIME SECURITY PIN TO EMAIL WAS TO BE DISCONTINUED. I had admittedly omitted to inform C1 when I changed my phone number four years ago. On XX/XX/19 I phoned C1 to inform them that I could no longer log on to my account due to 1 )  THEIR REMOVAL OF EMAIL TO RECEIVE 1-time log on security pin and 2 ) change 4 years ago of my telephone number. I requested that C1 update my phone number. The clerk indicated he would indeed update my phone number. 
XX/XX/19. Still unable to log on : phone number NOT UPDATED, no option to receive 1-time log on  secure pin via my email. C1 asked for my drivers license as proof of identity and said it would phone me in 72 hours to resolve inability to log on to my account. My case number for providing my drivers license ( which I did ) and communicating to C1 on this issue is # XXXX. 
XX/XX/19. I have not heard from C1. I wrote to C1 indicating I would not be responsible for late payment of XX/XX/19 ( please note I pay my bill IN FULL monthly ) as I can not log on to my account. 
BOTTOM LINE : C1 changed its online User Interface and log on procedures without warning ; I have been prevented, now for 2 weeks, from logging on to my account and paying my bill of XX/XX/19. I clearly can not get any resolution from Capital One. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I attempted to obtain my credit report from TransUnion, as I am the victim of identity fraud and required more in-depth information about the specific incidents involved. The Trans Union website linked me to the website : XXXX. On the website, the offer made in bold typing is to " CHECK YOUR CREDIT SCORE FOR {$1.00} ''. I used the service and viewed my credit report. 

A week later, on XX/XX/2020, I received notification that I had been charged {$25.00} USD for a membership with XXXX XXXX. Upon looking at the website more closely, I saw that there is an asterisk beside the Bold Statement, and at the bottom of the page in very small writing, it states that customers using the service will be automatically signed up for a monthly subscription. Furthermore, in order to cancel the subscription I didn't even know I signed up for, I could not even cancel online, but had to call a XXXX number, wasting hours of my time. 

I don't know if what they did is illegal, as technically they wrote the conditions of the agreement, but surely there must be some measures to protect customers from deceitful, intentionally misleading contracts like this.The fact that they are targeting people who require assistance with their credit, who are most likely financially vulnerable as it is, is in my opinion, abhorrent predatory behavior. 

I went to this website, under the advise of law enforcement, in an attempt to correct a crime commited in my name, and instead of offering assistance, TransUnion further took advantage of me. I have lost all confidence in the credit, banking, and financial institutions. Who do I turn to for help when the company that is supposedly responsible for helping me, robs me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and Inquiries I did not authorize and they are affecting me from getting approved for a home loan, please delete these ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard inquiry from XXXX XXXX Bank XXXX XXXX XX/XX/2023 that I did not authorize.
Product: Vehicle loan or lease

XXXX  experienced homelessness and still am. Unable to pay the debt off. Unable to get a new vehicle to get back forth to employment. {$14000.00}. XXXX tried to garnish wages or come up with payment plan which I was unable to agree with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by SANTANDER CONSUMER USA # XXXX is inaccurate and incorrect as you can see on the attached letter dated XXXX/XXXX/XXXX which states : Santander Consumer USA Inc. recognizes the above referenced account as paid in full on XXXX/XXXX/XXXX The information on my credit report is inaccurately stated and reported by Santander Consumer USA, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated XXXX/XXXX/XXXX by Santander Consumer USA details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( XXXX ) - Letter by Santander Consumer USA dated XXXX/XXXX/XXXX
Product: Consumer Loan

I was in an automobile accident, not my fault. The other driver received violation for running a red light at XXXX, totalling my car, which was paid off. Due to existing health issues, job loss and already battling a home foreclosure at the time. My credit score was not what lenders liked to see ( now I 'm starting to think maybe they do ) higher interest rates, excuses to take advantage and collect money. As I explained my situation to Toyota Finance, which I located them due to researching the same BMW x3 that was just taken from me. I arrived to see BMW x3, mind you I suffered a concussion and was badly hurt but I was pressed for time before I had to hand rental back over. After arriving at Toyota XXXX I never even seen the BMW X3 I somehow left with A XXXX Camry SE after putting XXXX down and leaving with a XXXX a month car payment. My foreclosure XXXX mortgage was XXXX a month which I explained, I did need a car and the sales guy was great but having no payment, car accident, and so on, I said that was high, he had said I could refinance to a lower rate in two three months. So I left, today I was denied auto refinance, car is behind about to lose it, I paid on XXXX XXXX They said I did n't and I thought at that time I double up on two more and I would be caught up. I also asked for them to please put a payment on back end, I said this is crazy, I 'm driving a car that i had to just " settle '' I was hit by a women who was being irresponsible and I 'm stuck with an outrageous monthly payment driving a car that reminds me of a terrible, frightening moment in my life that I was told to refinance in a few months. Coming up on a year XX/XX/XXXX since my accident, I 'm still driving car, credit shot, and dealing with everyday phone calls, and awaiting a repocession. I do what I 'm advised to do. I believe there is some confusion on last payment, I also tried to get a pay off and it is coming in over XXXX that 's insane I was told by another dealer and a state farm agent. I just ca n't understand how this is ok. Thinking back they had said good news, huge REBATE and he said sign here, I did well GREAT NEWS was n't for me, it was for lender. After I signed it was scooped up and I was told that 's not for you, for me. I was disappointed but they actedas if I was getting this great deal.