23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for a Wells Fargo Visa credit card back in XX/XX/XXXX. During the application process, the representative who put my SS number through, got it wrong. I repeated myself at least 3 times too. It has been XXXX ever since. Each time I call, the automated service denies me as a customer. I have called for two months about this issue and I get the same run around response ... '' I have forwarded your complaint to the executive office. Someone will call you back within 2-3 days. '' They are full of it. No one has called!! 
What I don't understand is how I even got approved? They tell me they can find me in the system but it is WRONG through the automated service. How can they mess up something so important?? And it's evident they are not taking this complaint seriously. I am tired of trying to resolve this with them. I even mailed out my correct SS number on a form and it's STILL not corrected. I'll never do business with them again after I pay off this card!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the XXXX  XXXX. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}
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 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and learned there was an unauthorized inquiry made by Special Financing Company LLC. I sent several letters to the address provided on my credit report requesting that the company cease its unauthorized hard inquiries into my credit report and that they contact the credit bureau to have the inquiry removed. I communicated that, to my knowledge, I had not signed any documents authorizing their organization to view my credit history, and therefore the inquiry violated the Fair Credit Reporting Act Section 1681b ( c ) : Transaction Not Initiated by Consumer. I asked them to furnish any document that they believed authorized their organization to make inquiries into my credit report, and I requested that the document and proof that I requested this line of credit be sent to my address. In responding to my inquiry, the company merely stated that my credit was requested by XXXX XXXX XXXX rather than Special Financing Company LLC. Special Financing Company can not remove any credit inquiries because the application does not commence with our office. '' As an initial matter, I didn't authorize any applications. Secondly, XXXX XXXX XXXX isn't listed on my credit report anywhere, and Special Financing Company LLC is listed. Indeed, XXXX XXXX XXXX is a " furnisher '' as described by 16 CFR 660.2 ( c ) because it is an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. I have a copy of the mailed letter ( certified ) and the company 's response. I would like the inquiry removed from my Credit Reports. 

Additionally, after reviewing the XXXX XXXX XXXX - The company has many complaints. One response from the company stated, " Special Financing Company does not report to the credit reporting agencies. '' So if this is the case, then why are you reporting an unauthorized credit inquiry on my report without giving me any proof that I requested this?

If Special Financing Company LLC. fails to resolve this matter, I will consult an attorney to file a suit against them for violating the Fair Credit Reporting Act.
Product: Mortgage

In XXXX 2017 I began the process of refinancing my existing Ditech mortgage. Since then I have tried to get an explanation as to why I was double charged for interest during the process. My " Borrower Final Closing Statement '' clearly shows my paying interest on the old loan until X/XX/17 as well as paying Prepaid Interest on the new loan from XX/XX/XXXX-X/X/2017. Per Ditech 's correspondence of XXXX XXXX, 2017, ( which did not actually address my inquiry to them about this double payment of interest ), they state the old loan was paid in full on X/XX/17. To me, that means I paid interest on the old loan for 6 additional days at $ XXXX/day AS WELL AS paying interest on the new loan for 1 additional day at $ XXXX/day. For some reason, Ditech sent me a check for {$110.00} on XX/XX/XXXX after my first inquiry into the matter. and their XX/XX/XXXX correspondence states they sent me a refund for {$110.00}. There still has not been an explanation for that particular amount ( the check stub showing it may have been from an escrow account ) - and dividing the $ XXXX/day amount into {$110.00} does not yield a satisfactory explanation as it does not come out to 6 days obviously or any round number of days for that matter. I am asking for your help in this matter because I talked with three representatives, and no one seems to comprehend what I am disputing. Thank you for your assistance.
Product: Debt collection

I don't believe that I owe Spring Oaks Capital LLC what they say I owe. I've never done business or heard of that company until they reached out to me via email on XX/XX/2024. I reached out to them via certified mail asking for debt validation documents such as a purchasing agreement, licenses to collect debt in the state of Pennsylvania, chain of custody for this alleged debt, for them to identify the original creditor, for them to provide papers showing that I agreed to pay what they say I owed etc. I was never provided with these documents. I know that its my right and the law to have those documents if I request them. This collection account is also reporting as an " open '' status on my report. I also know by law that collections are NOT to show a past due balance or an open status. These inaccuracies are very concerning to me because I only wish to have accurate information being reported about me and want these inaccurate items to be removed from my credit report at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OF XXXX 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. 

Please delete from credit report immediately.
Product: Credit card or prepaid card

On XX/XX/2023, I took my dog to see XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX I was not happy with the services provided and several days later contested the charges of {$170.00}. 

The XXXX XXXX XXXX agreed with me and agreed to waive these charges entirely ( email enclosed ). 

I submitted this proof to XXXX XXXX XXXX XXXX XXXX : Case ID : XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX refuses to return the funds the vendor agreed to waive. This is clear violation of their terms of agreement regarding investigating disputed charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing the experience I had with PORTFOLIO RECOVERY. OnXX/XX/XXXX, I contacted PORTFOLIO RECOVERY about a letter received ( not to my address ) stating I owed a debt of {$1600.00}. The representative advised that the debt was from XX/XX/XXXX ( eighteen years ago! ) and the Debt was purchased in XX/XX/XXXX ( fourteen years ago! ). She also advised that PORTFOLIO RECOVERY has the right to collect on a debt with no time limit as long is the debt is outstanding.

Although I understand that PORTFOLIO RECOVERY may attempt to collect a debt for an unlimited amount of time via phone, in writing etc. I know I have rights that need enforcement with regard to the FCRA. The FCRA states that there is a Statue of Limitation of 7 years.

Unfortunately, on XX/XX/XXXX PORTFOLIO RECOVERY put this debt as a charge off on my credit report for {$2600.00}. Based on the information provided by PORTFOLIO RECOVERY on XX/XX/XXXX it is clear that this debt has passed the reporting Statue of Limitations and should have not been placed on my credit report.

I have consulted with an attorney who is very interested in taking on my case, however, I am going to give PORTFOLIO RECOVERY an opportunity to correct their mistake before taking any legal action.
Product: Credit reporting or other personal consumer reports

These consumer reporting agencies are in violation of 15 USC 1681, my right to privacy. 
I am a victim of identity theft pursuant to 18 USC 1028A. I never gave verbal or written authorization for these accounts to report on my consumer report. I am also a victim of the equifax data breach. My personal information was exposed.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this item from my report, they are hurting my ability to obtain credit.
Product: Mortgage

I am submitting this complaint due to the deceptive businesses practices of the companies Julem Capital Corp, XXXX XXXX and XXXX XXXX. I sought assistance with a foreclosure bailout and I was led to believe that they would assist me with a short term interest only loan and then roll the loan over into a lower fixed rate loan for 4-6 % percent when I was ready to refinance. The Attorney 's General Office and the XXXX DA 's Office suggested that I also file a complaint with your division due to the predatory lending nature of the situation. The three companies colluded with the intent to take the property. They gave me the loan in hopes that I would fail so that they could steal the equity in the property. I also believe that I was targeted due to my pressing matter to avoid foreclosure, my divorce settlement as well as the fact that I am a XXXX women who was deemed highly desperate for a bailout. Foreclosure action has been filed by XXXX XXXX XXXX of Julem Capital Corp in XXXX, New York. 
XXXX XXXX believes the best recourse is to TAKE MY PROPERTY instead of doing a greater good by working out a modification to resolve the matter. Hence, the foreclosure action against me. This is what XXXX XXXX, Julem Capital Corp and XXXX XXXX planned all along. Yet XXXX XXXX claimed that he was one of the good guys and he eluded to the fact that XXXX XXXX and XXXX XXXX were the bad guys when he called me in XXXX 2016 to tell me he was the investor with a lien on the property. XXXX XXXX never had any intentions of helping me be whole again by rolling it over to a better loan for me. He was like a crouching tiger waiting to pounce as soon as I made one wrong move. He met me at the property in XXXX 2016 deceptively pretending to be a staff member of XXXX and XXXX XXXX. Later I learned he provided the financing. The way he has treated me since we first met in XXXX 2016 is as if I should not have such a property. He will deny that he said that he would help me get a lower rate. I needed help and the three companies used it to their advantage in a way that benefited all of them with concern about my well being whatsoever. It was false pretense and bait and switch from the onset. I am fully persuaded that I was as well as my property was targeted intentionally. I am unlike their other investors or hard money borrowers or the type of individuals they usually deal with. I was considered easy prey in my estimation of the circumstance.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the resent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initial having available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the police report and remove the items
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate hard inquiries customer service would not take care of the negative inquiries reporting to my credit report. Company - Trans Union XXXX XXXX XXXXXX/XX/2018. XXXX   XXXX XXXX - XX/XX/2018. XXXX XXXX  - XX/XX/2018. XXXX XXXX XXXX - XX/XX/2018. XXXX XXXX XXXX - XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian online dispute website will not let me dispute items on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXXXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Mortgage

Better.com promises " If we cant beat a competitors price, well give you {$1000.00}. '' I gave them a competitors offer and they beat it. A couple days later, I gave them a lower offer. Better said they couldn't beat that offer and wished me luck. After I closed on my mortgage with a competitor I asked the rep from Better how to claim the {$1000.00}. They asked for the mortgage note and to resend the CD to prove that I closed on the same terms as were in the offer they couldn't beat ( I did ). A few days later they said I didn't qualify for the guaranty because they had beat one price for me, just not the final price. The terms of the guarantee do not make any qualifications like this. 
Better seems to rely on this term from the T & Cs : " Each borrower may only take advantage of this offer once per loan application. '' However, the " offer '' here isn't, " we'll beat any competitor 's rate, '' the offer is " If we cant beat a competitors price, well give you {$1000.00}. '' The only time I attempted to take advantage of this offer was when they failed to beat the price and I asked for the {$1000.00}. That only happened once.
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}
Product: Credit reporting or other personal consumer reports

It has come to my attention that the presence of numerous accounts on my credit report may be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). Per the GLBA, financial institutions are required to provide an initial notice and an annual notice to customers at the establishment of the relationship and thereafter. Furthermore, if XXXX has been shared with non-affiliated third parties, customers must be provided with an opt in/opt-out notice, a reasonable way to opt in/opt out, and a reasonable amount of time to exercise the right to opt out before any disclosure or contract is signed most contracts and disclosures states we will not share or sell your personal and financial information abiding the federal law of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( XXXX I assert that I have not received the necessary notices and information regarding the handling of my NPI, as mandated by the GLBA. This lack of compliance raises serious concerns about the privacy and security of my personal and financial information. 

I kindly request a thorough investigation into this matter and expect the immediate removal of the listed accounts from my credit report if found to be in violation of the GLBA. Additionally, I request written proof, not emails or templates, demonstrating the authority to disclose, the right to opt out or opt in, and the contract I signed with your organization with my written signature granting permission for the sharing and selling of my information for monetary gain. 

Failure to comply with this request may result in penalties outlined in the GLBA, including fines and potential legal action. I anticipate your prompt attention to this matter and request a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA within a reasonable timeframe of 7-14 days.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4200.00}, XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3400.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00} XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX & XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXX XXXX opened XX/XX/XXXX bal. {$0.00} XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Shellpoint Mortgage Servicing, who services my mortgage, sent me a letter dated as of XX/XX/2020 stating that my hazard insurance has expired, and threatening to " buy insurance '' which " may be significantly more expensive ''. 

Here are the facts : - The above statement is FALSE. I have paid insurance in effect through XX/XX/2020. 
- Shellpoint ALREADY ESCROWS for my insurance and HAS A COPY OF MY INSURANCE INFO through closing which recently occurred only 7 months earlier, YET THEY CLAIM MY INSURANCE EXPIRED? 
- Also, WHY WOULD THEY NEED TO BUY " SIGNIFICANTLY MORE EXPENSIVE '' INSURANCE when I have a regular insurance policy in effect to which I am escrowing and they should be making payment for?? 
- Lastly, as of today, XX/XX/2020, THERE IS NO RECORD on Shellpoint 's website THAT THEY ACTUALLY PAID MY INSURANCE PREMIUM. MY INSURANCE COMPANY DEDUCTED THE INSURANCE PREMIUM OF {$2300.00} FROM MY CHECKING ACCT BECAUSE THE INSURANCE STILL HASN'T BEEN PAID FROM ESCROW.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated mu rights. 

15 USC 1681 Section 602 States I have the right of 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 or loan under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX XXXX reported that my account was late. In XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.