23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA IS IN VIOLATION OF SEVERAL CONSUMER PROTECTION LAWS, FCRA, FDCPA, FRANK DODD ACT, METRO 2 COMPLIANCE ETC ...
Product: Student loan

I 've received multiple emails from Navient on the XX/XX/XXXX. All of the links in the email does n't work with any of the browsers on my computer, ( XXXX XXXX, XXXX, XXXX ),  and I 've tried multiple calls to Navient on the XX/XX/XXXX through the XX/XX/XXXX ; they all claim that the site is fully functional, and the links should be working. 

I 've went ahead and gone directly to the website, and the site loads, but once I attempt to get to the login page, all the browsers still state that the site is non functional and " ca n't provide a secure connection ''. This makes me feel questionable about Navient and its security practices, if their own sites ca n't even make a secure connection to my personal information about me and my student loans.
Product: Credit card or prepaid card

Synchrony closed card account on XX/XX/XXXX. Didn't receive any notices or account closure letters until my credit report notified me of the closure. Reached out to Synchrony on XXXX on XX/XX/XXXX, called customer service on XX/XX/XXXX to attempt to resolve this quickly. 

XXXX  support was generally unhelpful, and never looked at the account. They only issued general info about account closures. 

On the phone service line, XXXX ( ID XXXX ) was helpful, but couldn't do anything at his level. He transferred me to XXXX ( ID XXXX ) who was unwilling to help with the issue, and only told me to apply for a new credit card. Since that involved another credit pull, I didn't want to go that route. After asking for other solutions repeatedly, he finally allowed me to put in a request to have someone above him call me back. Still have not received a resolution.
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. 

Account name : 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: Debt collection

XXXX is misrepresenting my debt, allowing the debt to incur outstanding interest before charging off. Ive have tried to contact bot no resolution. Them not charging off debt is only allowing for more interest charges to incur so it can amount to a huge amount that is far from original amount owed
Product: Debt collection

I have been maintaining my credit score and this collection has been handled before. This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has an older trade line on my credit bureaus which I have disputed but since the credit bureaus make money from XXXX XXXX  they side with them on the validity of this debt. This has caused me significant stress as I have a very XXXX XXXXXXXX ( XXXX XXXX XXXX ) which stress causes me to have painful spasms. I am XXXX XXXX XXXX under SSDI Compassionate Allowance List for XXXX XXXX. I have disputed this older trade line but never received any letters or statements as required by federal law under FCRA and FTC that show this debt as valid. Since I never received and mail regarding this debt to validate as required by law, I kindly ask this tradeline be deleted from credit bureaus. If not deleted, I also intend to find a ADA ( American Disability Act ) complaint as I am disabled and it should not cause me more stress with my disease trying to get written validation of debt that it is mine. Since I did not receive any letters years ago, I kindly ask this tradeline be deleted off my credit bureaus.
Product: Debt collection

they threatened a relative left voicemail on relative answer machine they were serving me a certified letter at their residence XX/XX/XXXX18 for an outstanding debt. i have told this company mynumber an my number only. they have called that relative before and i told them they broke federal law-they laughed when i told them i was filing a complaint with the CFPB. They wont even tell me there legal name-i have asked where they are located and they call 5 times a day from diffrent numbers. they say there name is XXXX XXXX they call from XXXX-they guys name is XXXX XXXX he says. THe realtive called the sheriffs department today. NOthing is ever done to stop them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] DATELate Payment Deletion DemandUnder the guidelines of the Fair Credit Reporting Act ( 15 USC 1681 ), I demand the below late payment ( s ) be DELETED from my credit reporting agencies profiles : XXXX, I recently received a copy of my consumer report ( Experian, XXXX, XXXX ) on ( insert date the report was pulled ) and I noticed the following late payment ( s ) reporting on my consumer profile. List the late payments that are listed on your consumer profile along with the dates that they occurred.The reporting of these late payments is in violation of 15 USC 1659. Under this law, a creditor may not treat a payment 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 obligor at the address designated by the obligor for that purpose in accordance with regulations of the Bureau.The Bureau of Consumer Financial Protection ( BCFP ) formally the known as the Federal Reserve Board, has set the regulations that state that the payment due date must be at least 21 days after the statement is mailed or delivered to the consumer.On this account, the reporting of a late payment was inaccurate. On the below validation of the required notices and mailings, you will clearly see that the payment due date was not 30 days. The required disclosures of the account terms were mailed to me and the account was opened on ( insert date account was opened ) .Please refer to the following validation of required notices and mailings.Attach copies of the required notices and mailings with the date clearly visible. In order to be in compliance with this request, all required documentation should be included, with no omissions or deletions of any information or form content.The only way for you to validate a late payment is to ensure that 15 USC 1666b procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. The account should have been reported as a late payment on ( insert date payment was actually late ) .I have highlighted the late payments that were incorrectly reported on my consumer report. I demand that you correct this error immediately or be subject to legal action under the Fair Credit Reporting Act. In addition, I demand a refund for all late fees that were associated with the above highlighted late payments that were incorrectly assessed.Sincerely,
Product: Credit card or prepaid card

On XXXX XXXX, 2022 i tried to make a purchase of {$27.00} with my Wells Fargo credit card and again it was declined. i have a {$50000.00} limit on my card and it keeps getting declined. i received an email asking if i made the attempt to use my card and if it was good click here to correct. i did that and a red page came up saying STOP do not use this page. 

i called Wells Fargo and got 4 different people who could only say " sorry ''. i asked they lift such tight restrictions on my card. the answer was sorry no!!!! 

Wells Fargo has forced me to close every account i had with them as they were crooks using my money to open new accounts which is a well-known fact. 

They could care less, and they are costing me my reputation and time. Please someone help me.
Product: Money transfer, virtual currency, or money service

Sent a wire transfer from my discover bank to the closing company for real estate. Called discover and they said the wire is on the way and deducted from my account. Apparently its under federal reserve review. We are short on time and I didnt even know I was required verification. This was known to me after I had called discover bank..
Product: Credit reporting, credit repair services, or other personal consumer reports

New hard inquiry on my transunion credit report that i do not recognize : XXXX XXXX XX/XX/2023
Product: Mortgage

When building our new home my husband and I decided to work with the mortgage company recommended by our builder, NVR Mortgage. Overall the process was not smooth but in the end we closed on our dream home in XXXX 2015. Immediately after closing our mortgage was sold to another company. Last week we received notification that we had an escrow shortage of {$10000.00} and that our monthly payment was going to increase by over {$500.00}. After reviewing our closing documents and discussing with family and friends we discovered that the good faith estimate of our property taxes provided to us was fraudulent. Our property taxes were estimated to be only 1 % of our home value. Upon further research, standard in the business is an estimate of 1.5 %. Our actual property taxes are 2.12 % -- this information would have taken less than a minute to obtain by anyone preparing a good faith estimate. When making the decision to purchase our home we trusted the numbers that were quoted to us and were not told that this was an estimate. We were told that this will be your payment. 
I work in the medical field and make decisions on a daily basis that affect people for the rest of their lives. This is not something that I take lightly. The grossly inaccurate good faith estimate that NVR mortgage presented to us will affect us for the next 30+ years. Medical malpractice is an act or omission by a healthcare provider which deviates from the expected standards of practice in the medical community and causes injury to the patient ''. NVR mortgage clearly deviated from the standard of practice when providing our quote on property tax. We would not have purchased this home if we had known what our actual payment would turn out to be. We now owe {$10000.00} and our monthly payment will be increasing by over {$500.00} per month. We are devastated.
Product: Credit card or prepaid card

I have multiple balance transfers on my CitiBank Mastercard with different promotional interest rates and end dates for those promotional rates. I also have a small standard purchase amount ( annual fee billed directly to the card by the card company. ) I have been paying extra above my minimum payment each month. When I took a look at how the extra payment has been applied, it appears to me that it is NOT being applied according to the regulations of the CARD act. My understanding, based on the materials on this site as well as supplemental reading elsewhere, is that when you have multiple balances with different interest rates, the credit card must apply payments first to outstanding interest, then to the balance with the highest interest. If multiple balances are at the same interest rate, then they should apply the payment first to the balance with the promotional rate that ends first. 
It appears based on my statements that instead they are applying payments first to outstanding interest, then to the nearest promotional balance, with a tiny amount going towards the standard purchase amount. My calculations show that my standard purchase amount, which is at 16.49 % interest rate versus 1.99 % or less on the other balances, should be approximately half the balance it currently is if the payment was applied as I understand it should be. This was not an issue until the card was charged for the annual fee and thus had a standard purchase balance. 
I did attempt to contact Citibank, but was put on hold for an extended time and gave up. I read their website but was unable to find a description of how they apply payments in this situation. 
Therefore, I am filing this complaint. I have attached all statements, which show both payments made and the breakdown of balances and interest rates, going back to XX/XX/2017the month prior to when the annual fee was charged to the card.
Product: Credit reporting

Hello I was involved in auto accident in 2007 a ( fender bender ) and that person named XXXX XXXX ran to the courts filed a {$500.00} lien against me right away. He argued his case in court against my insurance company and lost. I still show a public record on my credit for absolutely no reason
Product: Debt collection

I got a letter from XXXX saying I owe a debt for tv service in which I do not they agreed that this person open an account and got a mobile phone using my personal information. When I dont know how in the world this could happen since Im a XXXX XXXX  who never lived in XXXX XXXX XXXX We open a claim for this account XXXX Acct. XXXXXXXX XXXX  mobile XXXX XXXX XXXX XXXX We did a fraud claim XXXX fraud department identity theft XXXX case number identity theft number The person address that stole my identity XXXX XXXX XXXX XXXX NY tried to get internet service. XX/XX/2023 Added mobile device Shut down freeze all- XXXX XXXX XXXX credit cards XXXX XXXX fraud alert XXXX XXXX fraud alert
Product: Prepaid card

I have a {$200.00} American Express gift card. American Express says I can use this card wherever AMEX is accepted, however, I have tried multiple online and in-store options -- this card isn't accepted anywhere. So I have {$200.00} on this card that is impossible to use -- to make things worse, AMEX refuses to tell me the list of stores where it's accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Account Name : XXXX XXXXDate Opened : XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XXXX XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XX/XX/XXXXDate Opened : XX/XX/2019 Balance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XX/XX/XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX / XXXX XX/XX/XXXXDate Opened XXXX XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XX/XX/XXXXDate Opened : XX/XX/XXXX, XXXXBalance : Reason : Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date XXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing and trying to have items removed from my credit file I have come to a dead end with the companies as well as the credit reporting agencies. I really need the inquires, a chapter XXXX that I have no idea of and accounts that were open that i wasn't aware of. I have been going through this for years and this is stopping me from living a better life for me and my children. Some things have been removed due to the fraud, but there are still items that i need removed. The jobs I'm applying for are having credit checks for employment and items on my file are really hurting me. I didn't know where to turn to so I'm here.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please DELETE the account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.
Product: Mortgage

My mortgage company paid the previous owner 's home taxes using money from my escrow account and hasn't refunded me yet. 

The first installment of the XXXX property tax, the county didn't mail it that time, then they put XXXX full year property tax for one bill at XXXX, XXXX. 

At XX/XX/XXXX, the unit was sold to me. When the mortgage company account department paid the borrower 's first property bill, they didn't think about it and confirmed the borrower 's first tax liability, even though that tax bill is not under the current borrower 's name. They just directly used the new owner 's ( borrower ) escrow account to pay the full year 's property tax {$4500.00}, including the previous owner 's tax liability ( XX/XX/XXXX to XX/XX/XXXX ) {$2500.00} ( this amount was paid incorrectly, which needs be refunded to the borrower ASAP ). PHH just needs to be responsible to the borrower, not anyone else, just needs to pay the borrower 's tax liability on time not the previous owner. 

PHH claimed that they needed to pay the borrower 's property tax liability on time, but that previous period for tax liability should have never fallen on me. 

PHH needs to send a note to the borrower, because the tax payer 's name is total different. 

PHH sent us a letter before after we complained about this and I received this response : *** " As we paid taxes for the incorrect parcel number ( XXXX ) for XX/XX/XXXX (? ), in the amount of {$4500.00} and XX/XX/XXXX, in the amount of {$2500.00}, a tax refund of {$7100.00} has been approved and was applied to the escrow account, which can not change the fact that using the new owner 's money pay previous owner 's tax lability. '' Does that mean our XXXX and XXXX first installment property tax weren't paid? Where is that tax refund? It's not showing up in the ( my ) borrower 's account. 

In our records, PHH sent by mail, the XXXX property tax bill sent by XX/XX/XXXX first installment sent by XX/XX/XXXX. That payment information on XXXX XXXX XXXX website. 

Actually, PHH paid the XXXX property taxes and did not any refund to the borrower 's escrow account. I went to the county tax office at XXXX, XXXX to confirm it all. 

We require a refund {$2500.00}, the first 6 months tax payment for XXXX, which PHH used our escrow account to pay previous owner 's tax liability. I have continued to try and reach out about this issue but they have stopped responding to me.