23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I paid the Property taxes Loancare had illegally paid without my consent on XX/XX/XXXX, in attempting to change the terms of my loan and force place me into impound/escrow for taxes. The County Treasurer sent the same amount to Loancare the same day, XX/XX/XXXX-Loancare held the payment and would not credit my account until XX/XX/XXXX. 

On XX/XX/XXXX, I retained an attorney to resolve continued illegal attacks on my sovereignty by Loancare. 

By XXXX/XXXX/XXXX, I was forced to mail my regular payment of a cashiers check via tracked USPS, since I was prevented from using the Loancare website or pay by phone to make my regular payment as due, I was locked out. 

Loancare received this payment XX/XX/XXXX, but did not credit it to my account until the next day XX/XX/XXXX. Loancare has previously delayed credit of my payment on other occasions, pretended I paid late and charged a late fee. 

By XX/XX/XXXX, the matter was considered resolved by my attorney. Loancare appeared to have the fixed most account errors, reversed late charges, located the tax refund from the XXXX County Treasurer and credited my account and refunded a small amount belonging to me after the corrections were made. The account detail on the Loancare website also reflected the credit of my XX/XX/XXXX payment ; but the website erroneously indicated a next payment due XXXX-the next payment is due XX/XX/XXXX. Another mistake already. Then, a late charge on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the online account screen now indicates an unpaid late charge. This is not accurate, I am up to date. 

Loancare continues making mistakes, erroneous charges, delaying posting my payment and pretending I am in default, even as the issues are being resolved by an attorney at my expense.

All the while, Loancare continues to send embarrassing letters stating I am behind on payments and threating foreclosure. And Loancare Loss Mitigation continues to call me several times each week. There is no reason for Loancare to call me. This is disruptive. 

When I returned Loancare 's call today, XX/XX/XXXX, I was verified through the automated system. XXXX, who answered, would not transfer me to a supervisor or answer my questions of why they were calling me, so I informed her I would file a complaint. 

Loancare continues to attack me by changing the terms of my loan, attempting to charge me late fees, trying to deceive me into believing I am in foreclosure and fraudulently reporting late mortgage payments to credit bureaus. 

These acts by Loancare are injurious and costly.
Product: Credit card or prepaid card

This card been reporting on my credit file for about three years, I went through the credit bureaus and I went through the original furnisher which is XXXX/TD bank, I informed them that this account was fraudulently obtained in my name they sent me out a fraud packet, well I think TD/XXXX sent this account to a third party and may not really be the collector however they are the ones that is reporting on my file .... but they sent me a fraud packet I filled it out paid my {$10.00} to have it notarized only to not ever hearing back from them, the investigation should have took no more than 30 days, I need them to remove this account from my file or send me the original contract for this account as stated in the fcra guidelines and I know they dont have any contract because I did not open this account .... I need them to remove this account this been going on way too long with no resolution, so I finally have to file this complaint before taking legal actions against this company ....
Product: Money transfer, virtual currency, or money service

This is regarding identity thief of a famous pastor and using his name to soliciting donation for orphanage. I was told to wire money to XXXX XXXX using Zelle Her contact is phone number XXXX email XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Previous Addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Phone XXXX : ( XXXX ) XXXX - Wireless ( XXXX ) XXXX - She had a notary account in Florida Notary ID : XXXX Last XXXX : Young First Name : XXXX XXXX Name : XXXX Birth XXXX XXXX XX/XX/XXXX Transaction Type : XXXX XXXX : XXXX XXXX Status : XXXX XXXX XXXX : XX/XX/XXXX Expire Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 CHAPTER XXXX DISCHARGED 0 $ FILED POLICE REPORT AND FTC REPORT STII SHOWING N PUBLIC RECORD I AM A VICTIM OF IDENITY FRAUD OTHER ITEMS WHERE REMOVED EXCEPT PUBLIC RECORD WOULD LIKE REMOVED AND BLOCKED THIS ACCOUNT IS SHOWING ON ALL THREE CREDIT BUEARUS XXXX/XXXX/EXPERIAN
Product: Credit card

Good afternoon Sir or Ma'am My wife and I had opened a account with Capital One in XXXX of XXXX, we have just the one credit card. We started with a credit line of XXXX. Our monthly payment when we first opened our card was the minimum of XXXX which was very comfortable for us to make as we live on a fixed income from my Social security retirement. As time went on we noticed the payments had went up, they never alerted us as to why. We continued to make the payments, our bill is due on the 12 of the month. We pay our bills for the month on the day we get paid from Social security, we then started noticing that they were not applying our payment, we called them and said that we pay all of our bills on the same day, Capital One stated we are paying our bill too early. Our credit line increased to a final of XXXX our outstanding balance is XXXX our now minimum payment is XXXX Some months our payment changed to XXXX. They show us that even though we don't use the card anymore we cancelled the card some time back that our balance never seems to decrease, they show an interest of XXXX, it seems that no matter what we pay or when we pay our balance does not lower. This is so confusing and so frustrating. They state now that we need to pay a minimum of XXXX. They told they will not accept the original minimum of XXXX We are so confused and we are not deadbeat we pay our bills on time. Thank you for listening. All we want is for our bill to be paid off we aren't trying to beat anyone for their money. I will be more than happy to send you our banking. They told us they would credit us and they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the beginning of Covid in 2020, I contacted my credit card XXXX XXXX Bank and made them aware that I was affected by XXXX, I contacted XXXX and I wouldn't be able to make every payment on times. I indicated to them about the CareAct and was assured by many representatives to continue making payments whenever possible and all late payments would have been removed from my credit report. Thus far, none of it has been removed and this has affected me severally financially.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$360.00} XXXX  XXXX XXXX Balance : {$990.00}
Product: Credit reporting or other personal consumer reports

Filed for a dispute through company. 
Date of dispute XXXX Amount {$8300.00} Amount {$1400.00}
Product: Mortgage

Our home loan was sold by XXXX XXXX XXXX to Nationstar Mortgage Company XX/XX/XXXX. A homeowner 's insurance premium came due on XXXX XXXX, 2015. The terms of the loan call for this payment to be made from our escrow account. This payment was not made by Nationstar Mortgage as agreed, and the coverage will be terminated on XXXX XXXX, 2015. Both Nationstar and XXXX XXXX XXXX provided assurances that the transition would be seamless. In addition, they have XXXX our mortgage insurance premiums without explanation. I contacted Nationstar Mortgage directly and did not receive any response and certainly not a resolution within their promised time frame. Attached please find the escrow details from Nationstar 's website that indicate the homeowner 's inusrance payment is scheduled for XXXX 2015. Today is XXXX XXXX, 2015. MIP should be half of the shown amount.
Product: Credit card or prepaid card

I purchased a merchant on website scarce.us costed {$420.00} and it supposed to be delivered to my house on XX/XX/2022 by XXXX. But I was not home at that time when they delivered. So I requested to ship once again to my house but it never happen. And couple days later when I tracked the package on XXXX website, it said the package will send back to the shipper. So I did ask their customer service to refund me, and they said they will when they received the package. However, I never receive any refund, so I disputed on the charges my chase credit card account. However, they denied my dispute because they said the sender provided a tracking number and it said it shipped to my address. But it is not true, I never receive any merchant. And now I check the tracking on XXXX again, I can see the sender is filing a claim on this shipment.
Product: Debt collection

I have signed up with XXXX XXXX XXXX and financed using Healthcare Finance Direct. XXXX XXXX XXXX has since gone out of business and I am forced to pay my monthly payments to Healthcare Finance Direct although the services are not being rendered. I am without the new aligners promised to me by XXXX XXXX XXXX.
Product: Debt collection

I reserved and paid for a monthly rental of an XXXX  through XXXX XXXX XXXX  ( contact number : XXXX ). Upon arrival to pick up the vehicle, I was given a damaged sedan instead of the XXXX I had reserved. To make matters worse, the rental branch closed immediately after I picked up the vehicle, leaving me with no opportunity to address the issue directly. 

I was instructed to return the sedan to the airport for an exchange to receive the XXXX I originally requested. The sedan not only had a distinct smell of cigarettes or XXXX but also had a rough driving feel, which raised concerns about its overall condition. As someone inexperienced in car mechanics, I did not inspect the vehicle thoroughly, especially the undercarriage where they later claimed damage was located. 

Upon returning the vehicle, I reported the issues, including the unpleasant odor and the rough driving experience, to an agent at the airport. Despite my efforts to address these concerns promptly, I received a request for information about the incident months later, which I provided. Subsequently, I was shocked to learn that my case was handed over to a collection agency, SUMMIT A R ( XXXX, Account Number : XXXX ), which has adversely affected my XXXX XXXX with XXXX. 

I have attempted to resolve this matter with XXXX, but my concerns have not been adequately addressed. I also informed them that I paid with a XXXX that provides incident coverage and that I have rental insurance through XXXX. However, they failed to contact either party to assist in resolving the issue. 

This experience has caused me significant stress and has negatively impacted my credit record, which was previously in good standing. I am seeking assistance from the Consumer Financial Protection Bureau to investigate this matter and help facilitate a resolution, including the removal of the collection from my account and addressing the lack of customer support from XXXX XXXXXXXX XXXX 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Student loan

I have a private student loan from Discover. I am currently a XXXX, making XXXX per year and can not repay my loans at this time. With all other loans, including all other federal and private loans I am able to apply for forebearance as long as I supply proof that I am still in training. 
Discover has told me that I " can only be in residency 4 years '' and that my ability to forebear my loan is over and I must pay up. I have explained to multiple discover reps who call to harrass me that I am still in traning. They continue to tell me that I can only be in training for 4 years and now I have to pay. 
I make $ XXXX. I AM STILL IN TRAINING. It is crazy that Discover is telling me I have a job and I have a higher salary
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2025 To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Fraudulent Accounts to Be Blocked and Removed Due to Identity Theft Dear Credit Reporting Agency , I am writing to formally notify you that I have been a victim of identity theft. My personal information was compromised in the Equifax data breach, and as a result, fraudulent accounts have been opened in my name without my authorization. 
Per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that the fraudulent accounts listed below be blocked and permanently removed from my credit report. 
Fraudulent Accounts to Be Removed : COLLECTION ACCOUNT Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} Enclosed with this letter, I have included the following documents to support my request : A copy of my government-issued identification ( drivers license or passport ) A copy of a utility bill or bank statement to verify my address A copy of my FTC Identity Theft Report ( or police report, if applicable ) A copy of any relevant correspondence with creditors regarding these fraudulent accounts Please investigate and remove these fraudulent accounts from my credit report immediately. I also request that a fraud alert be placed on my credit file to prevent further unauthorized activity. 
If you require any additional information, please contact me at the phone number or email listed above. I appreciate your prompt attention to this matter and expect written confirmation once these accounts have been removed. 

Thank you for your time and assistance. 

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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXXXXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY. LK 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After 3 complaints through this system ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), Experian has failed to send updated credit reports as documented. What are my legal rights? Why is this happening? Who is responsible for investigating this?
Product: Checking or savings account

Contacted BoA about my checking account and saving account 's maintenance fee and the was able to had a few reversed on XX/XX/XXXX before I transfer out the remaining funds and then either call or go to the branch to close the account. 

On XX/XX/XXXX, the remaining funds are transferred to the other account that I intent to keep, but the accounts were charge maintenance the same day and the very next day for each of the accounts. 

Contacted BOA again on XX/XX/XXXX to reverse the fee and fully close my account, but I was inform the reverse must go through additional review for approval and I can't close my accounts. 

On XX/XX/XXXX, I received BOA 's decline letters via Email.
Product: Mortgage

This is in reference to account number XXXX, oh property address XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX. Account number name under XXXX XXXX. 

Wells Fargo is reporting inaccurate information on my credit report. With some of the credit reporting agencies is appearing as though I still have open account with Wells Fargo. In some cases it's appearing with some type of balance. Each Credit Reporting Agency report something differently. Including on reporting so many lates when there was an agreement reached, that I was sell my house and they physically got paid back their money, that Wells Fargo will not negativity report things on my credit report. As long as I sell my house and they got their money. It seems that my credit report there is multiple Wells Fargo accounts on there. When it's the only show I only had one Wells Fargo account. Well I had people pulling my credit report, apparently there's different information that is being reported by Wells Fargo on different reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

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

Numerous dates and disputes with equifax done on Equifax website. Just filed same dispute again today XX/XX/21. When I get reports back it's for something totally different Than what I was disputing. I sent fraud report and still they verified account as accurate. This account is XXXX XXXX account. Also past address I supposedly lived at showing on my account although it says they deleted them still showing. Equifax is messing up people lives by reporting things that are innacurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car with XXXX on XXXX of 2019, I was up to date with my payments up until The COVID-19 Pandemic. Not only was i reported to the bureaus as late on my payments but also the vehicle was repossessed during The COVID-19 Pandemic and according to The CARES Act and The XXXX Act my rights are being violated
Product: Credit card

XXXX  credit cards were closed due to method of payments. XXXX XXXXrepresentative for Elan services accepted payment for both credit cards, both were authorized by me on Monday XX/XX/2023. XXXX stated that the payments could not be with a personal credit card. XXXX recommended to use a business account for payment for purchases made on Friday XX/XX/XXXX. Payment was made by phone and authorized by XXXX XXXX On XX/XX/2023, I received letter from Elan services closing both accounts ending in XXXX and XXXX. On Wednesday XX/XX/2023, I spoke with manager XXXX XXXX at XXXX requesting that accounts be re-opened, but she refused and asked me to file complaint with the office of the president. XXXX XXXX confirmed that there no disclosures on the credit statements that explain the methods of payment that could be used or that payments can not be made with a business account. There are no disclosers on credit card statement that are specific to the reasons why Elan Services can close an account at any time to their discretion. XXXX XXXX confirmed that there was no call made to me about the decision, reasons to close account or to verify with me all transactions in order for me to clarify situation.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy 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: Credit card or prepaid card

XXXX  Chase offered a card with free points offer. Their representative told me the fee for the card would be waved for the 1st year. I went into specifics with their rep on how long i had to keep the card to get the points I was told i could cancel after 6 months and receive the points Much to my surprise Chase billed me a {$95.00} annual fee I disputed this charge ... .and appear LOST in their system They called me and told me they were escalating looking into this Many cards wave 1st year fee. And I was told by Chase this card would as well. It even stated that in their online advertising at the time I applied This is a matter of principle even more than this fee If Chase told me the 1st year fee would NOT be waved, I would never have requested this card Chase obviously shows little concern for their customers. I would do business with other banks before dealing with Chase again
Product: Credit card

I have a credit card with Plus Finance. I had a minimum payment of {$620.00} due by XX/XX/XXXX. In order to stay current, I paid the past due portion of that minimum due, {$450.00}, on XXXX. I received an email confirming the payment. The next day I received an email that the balance of that minimum payment, {$170.00}, was due on that original due date of XX/XX/XXXX. Since I was on an automatic payment plan, I assumed the issue was resolved. On XX/XX/XXXX I received an email from them that they had successfully processed a payment of the original full amount due of {$620.00} on XX/XX/XXXX, rather than the {$170.00} they had previously identified as the remaining balance. They collect the {$450.00} amount twice. 

I called them to have the transaction reversed and the proper {$170.00} payment then processed, but they told me they would have to initiate an investigation that would take a minimum of XXXX days. They told me that if I needed my money back sooner ( which I do ), that I should go to my bank and contest the transaction as unauthorized. Unfortunately, my bank would take about the same amount of time to investigate and would also have to cancel my debit card. 

It can not be okay that a bank can make what is clearly their error, take a consumers money through an unauthorized transaction, and be under no obligation to return the money in a timely manner, especially when the information is so clearcut ; their own emails to me reflect their error. 

Do I have any recourse, or am I at the banks mercy?
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about the 2 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!