23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year>2023 we noticed our flag star were locked for any transfers. Called flagstar on XXXX to see how I could pay. 

In the meanwhile we sent XXXX payments XXXX on XX/XX/XXXX ( {$40000.00} ) another on XX/XX/XXXX ( Approx ) for {$7200.00}. 

Both credited on XX/XX/XXXX and XX/XX/XXXX. 

If you see the attachment, there is no mention of XXXX on XXXX. In fact I had to take a blind faith and send that XXXX in the for of a bankers check no possibility of confirmation is lost in mail. That is scary. Also this is not the only payment sent in XXXX, Insite of Flagstar having major issues, The reason being the customer service dud not seem to care and suggested the mail with XXXX could be lost. Please listen to recorded conversations, The bank folks are not trained at all. Sounds as though dealing with money leaders in medieval times.

A brief history Flag star bank limits your incoming transfer. Customer can not change if there is no physical flagstar bank. This will either force you to create multiple transfers or make a mistake one day.

Flag star has reported this to the credit bureau in spite of the fact XX/XX/XXXX in the date to call late ( as per Flagstar ) Flagstar then raised my interest rate and I now can not go to any other Leander due to their " Late reported to credit '.

Please note that Flagstar web accounts are full of bugs. At no time did I get an email or message that {$40000.00} was credited.

One more example. I have an auto debit set got XXXX ( XXXX ) extra for principle. Flagstar website only shows installment to be debited and not principle. I can go on with at least XXXX important bugs that are specifically designed to throw customers off. 

Further the entire latter half of 2023 had web related issues day in and out. If it was possible to get Flagstar XXXX system. We will see this actions in their log ( deliberate or not I am not sure ). 

None of the credits show in time. Even a check of {$7200.00} transfer from flagstar to its own mortgage took XXXX  days.

Looks like they start debt collection before default. All this amounts to my suspicion that this bank is not functioning as it is supposed to. 

End of the day, all consumers in third party reviews say the same thing, Suspicious and fraud. 

I am one small consume. But for a bank to do this is wrong.

Thank you, Sincerely.
Product: Credit card or prepaid card

Chase has a rewards program. I used my points to purchase a ticket through Chase Rewards and the flight was cancelled. 

Per the US Department of Transportation, i am entitled to a refund. 
https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds " Cancelled Flight A passenger is entitled to a refund if the airline cancelled a flight, regardless of the reason, and the passenger chooses not to travel. '' I have been working with Chase for over 1 month and they are saying they can't give me a refund because the airline is not approving them to do so. However, they won't let me talk to the airline either.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX RI XXXX ; XXXX XXXX ; XXXX, XXXX, L ; XXXX, XXXX, XXXX ; XXXX XXXX AV XXXX, CA XXXX ; XXXX B XXXX XXXX XXXX XXXX, CA XXXX; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX LA XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed XXXX {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

My auto loan account with Wells Fargo was blocked from access due to an " upgrade to their website ''. This update forced me to make a new account with them resulting in late fees being assessed. After re-setting up my account, confirming my mailing address and linking a bank account to be able to process payments I asked for late fees to be removed and asked for a record of my payments which could only be mailed to me. The record was mailed to an incorrect address. The following month ( XX/XX/2022 ) I asked them to change my contact address and they did. Then my bills started coming by mail but to the incorrect address because they had again changed my address to an incorrect one. 

Finally my bank account was un-linked and deleted from the only payment method. this caused a week long certification process to be undertaken to confirm the bank account and I was charged more late fees. They then refused to remove any of these late fees and are charging interest on the late fees as if they are apart of my loan.
Product: Credit reporting or other personal consumer reports

The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. 

You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit $ 500 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 10 mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( XXXX yrs ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX Closed No Info Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. XXXX the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT convergent XXXX has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I started out with a XXXX loan XX/XX/1996, I now have a XXXX loan.My interest is high 9 % .I have been in forbearance in the past. I am in a income driven plan now because i asked. It seemed that Navient always pushed me into forbearance programs
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested for EQUIFAX to do a reinvestigation of this XXXX XXXX XXXX listed on my credit report. ON XX/XX/XXXX EQUIFAX verified the account as accurate which is completely false because I have documentation showing this inaccuracy. I sent in documentation showing why this XXXX XXXX XXXX account was not accurate and demanded it be deleted but EQUIFAX refused. Since XX/XX/XXXX all civil public records to have a name, address, and a Social Security number or date of birth before appearing on credit records from the three nationwide credit reporting companies. My documentation will show that all the requirements to report a civil judgement on my credit report have not been met and they still refused to delete it. This a clear violation of my FCRA rights. I'm filing this complaint because I intend on to taking legal action in the near future.
Product: Debt collection

I received a bill from XXXX of Michigan for services received in XX/XX/XXXX. I paid the fee of XXXX on XX/XX/XXXX. I received several calls from XXXX stating I did not pay the XXXX. I told the company the date the payment was made and the check number. The clinic continues to call and write me regarding this bill. I sent a copy of the cashed check. I also requested they no longer contact me. The company received a COPY OF the cashed check. The company received a copy of the cashed check on XX/XX/XXXX. XXXX sent this account to a collection agency, Transworld System Inc. I informed TSI that the payment was paid on XX/XX/XXXX. Despite evidence of this paid bill TSI has continued to call and send collection letters. 
I believe the companies, XXXX and TSI are harassing and extorting money. The next game they will play is to continue to pass this alleged bill onto other companies. 
I am requesting the following, 1. the harassment to stop 2. An apology from both companies 3. XXXX  XXXX  dollars for their unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with MACYS/XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MACYS/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and MACYSXXXX with no successful resolution. XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

I did not give written instructions to furnish this information on my consumer report, furthermore, the fair credit reporting act 15, usc 1681 ( 2 ) ( a ) states exclusion from a consumer credit report ( A ) Exclusions- Except as provided in paragraph ( 3 ) the term consumer report does not include information solely as a transaction or experience between the consumer and the person making the report.

Also the information on the report is not valid it states I was current and up to date on the moth of XX/XX/2019, XX/XX/2019 And XXXX XXXX How was I 90 days pass do? Id was current those months before XXXX The documents I submit shows the same thing on my credit report on all XXXX accounts
Product: Debt collection

I received a letter on XX/XX/XXXX from XXXX ( XXXX XXXX XXXX ) stating that they had purchased a debt of {$300.00} from GE Capital Retail Bank. XXXX  informed me that the credit card from which this debt occurred was created in XX/XX/XXXXand that XXXX   purchased the debt in XX/XX/XXXX. I never opened a credit card with GE Capital nor any of the retail stores they cater to. Furthermore, even if I had unknowingly signed paperwork at a retail store with credit information, I never received said credit card in the mail or ever used it nor was made aware of minimum yearly payments. Finally, this whole situation sounds fraudulent since XXXX made veiled threats to sue me and then offered to let me pay a lower amount than the original {$300.00} they said I owed. 

For reference, the GE Capital Retail Bank Account Number is : XXXX And the XXXX Account Number is : XXXX Thanks very much for your time and help ; XXXX XXXX
Product: Checking or savings account

I went to Bank of America ( XXXX XXXX XXXX and the atm took all my money and called them the same day everything was closed, I went on Monday morning to the bank, they said you need to call the dispute and complain department, they told me you get your money in two business days, after two business days I called them they said the employee didnt submit so wait two more days, and I waited another two days and still no money in my account., I miss credit card payments, and some obligation to try get my money back no. 
If I dont get my money today XXXX file another complain to Bank of America and specific department in XXXX XXXX
Product: Checking or savings account

I closed the account and recently found out they are sending statements to an OLD Address that was never on file. I closed the account ending in # XXXX which was also referenced in a past complaint with the CFPB. I just want the account closed as implied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 but written instructions
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXXXXXX XXXX XXXX XXXX be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I noticed several indicators of identify theft and errors on my credit report. I began the freezing process and contacted all Bureaus to resolve the errors. Most have been cleared up within the week of reporting. However, there is one hard inquiry that remains on my Equifax report for XXXX XXXX Bank. When I dispute it with Equifax, they find it " true and will not remove it. '' When I contact XXXX XXXX Bank, they told me this was fraud and not me and that they sent a letter to Equifax to remove this inquiry. This still has not been removed from my report. Equifax will not do a through investigation to have accurate reports, I do not trust them.
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Account : Regional Finance Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$66.00} Account : XXXX XXXX XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for credit and was denied based on the information provided by Experian and XXXX to the company I was interested in attaining a credit from. It was reported the following : Derogatory public record or collection filed Ratio of balance to limit on bank revolving or other rev accounts too high Length of time accounts have been established Time since delinquency is too recent or unknown Our credit decision was based in whole or in part on information obtained in a report from one or more of the consumer reporting agencies listed below. 
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : XXXX XXXX Dispute Request XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  We also obtained your credit score from the consumer reporting agency and used it in making our credit decision.

I DO NOT have a delinquency or a derogatory public record. These credit reporting companies have violated my right to obtain credit and provided inaccurate information on my behalf.

I request this to be corrected, in addition to monetary compensation for lost time and lost financial opportunities. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Tried to make several payments to my  XXXX /Comenity Bank credit card and every time I make a payment it is reverted back to my account. Also,  Comentiy bank continuously calls and harrasses me about a bill that should not exist and every time I get a " manager '' everything is back to being ok. These people h ave asked for my representing lawyer to give them a call. When asked why they want an attorney to call, they state because they want to know if you are going through bankruptcy. I want my complete account gone from Comenity for these comments and harassment or I have an attorney call with a lawsuit!! Also, on my credit report it shows perfect payments bes ides 3 pay ments and then perfect payments again, yet I have never been late on my payment, it is a failure of them actually accepting the payment
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : SS # : XXXX and account reported from : 1. Under penalty of perjury I swear this account is false and misleading XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

5. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

6. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
Product: Debt collection

I was notified a week or two ago through the credit bureaus through app that there was a collection on my credit of {$3400.00} through XXXX XXXX XXXX mobility. I never had an XXXX XXXX XXXX phone ever in my life. I contacted the company XXXX asset solutions that posted that to inform them that I didnt do that & that my identity was stolen. They disputed she told me account was opened XX/XX/year>. I then put in a police report afterwards at police station. They gave me a police report I also put fraud alerts on my credit reports I freezes them as well. I also contacted XXXX & XXXX & provided police report & other documents online. I havent heard anything back yet as of now.