23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, I called Chase Mortgage requesting they prepay my XXXX real estate taxes in XXXX County. After being put on hold for 2 hours, I was finally connected with a representative. She was able to access our tax bill and confirm that it could in fact be prepaid by the end of the year. We had a lengthy discussion, at least 20 minutes regarding the process. She indicated that the XXXX was the last day to request payment through escrow and while they require 7 days to ensure that the payment is processed, they would do everything to expedite it. They were unable to provide any kind of confirmation of payment, which seemed penalizing to the consumer. I also requested a call back from a manager just to confirm the process ( I never received a call back ). My husband called Chase today, XXXX to see if the payment was made. If it was not, we were going to float the over {$5000.00} payment even though we had sufficient funds on hand with Chase. According to the representative, the notes in the file indicate I had requested specifically that they not prepay our real estate taxes and thus it was too late to do anything. I am utterly furious- someone at Chase clearly lied and now we are scrambling to make a payment by the end of the day. How can a major bank so clearly misrepresent their customers. There is a recording of this call and I want access to it. I feel I should be liable for the interest/ float from this time until I am reimbursed. They are in fact holding my money. And for time spent on the day after XXXX that I could have spent with my family.
Product: Credit reporting or other personal consumer reports

In late XX/XX/year>, I submitted identity theft FTC report along with my identification front and back bank statement and FTC XXXX letter to Trans Union and XXXX pertaining to account on my credit report with both agencies from XXXX that has late payments that do not belong to me. This has caused my credit score to plummet over XXXX points. I have asked that This be removed from both reports XXXX and Trans Union. They have not done so this is incorrect information being reported I reached out to XXXX. They said they do not have an account in their system that says I had a {$92.00} balance and late payments. This seems to be just a big misunderstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$1100.00} / XXXX/XXXX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending in numerous complaints because the credit bureaus are violating our rights as consumers. They are damaging our credit by updating things and doing what they want to do. There are numerous student loans on my report with inaccurate information. I sent in a letter, which I will attach, advising them of this and asked them to deleted the incorrect information. Instead, they responded they updated the account and the information is still totally wrong. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they are suppose delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). This is a total violation of the FCRA and I am reporting this to the States Attorney office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with EMERALD AR ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, EMERALD AR ( Original Creditor : XXXX XXXX XXXX  XXXX ), XXXX, and XXXX/XXXX  with no successful resolution. There was definitely an error on their part.
Product: Mortgage

I lost my job because I have XXXX XXXX I can not work like I used to, and got behind on my mortgage but the first time I sent payments to OCWEN but they refuse the payments and send them back to me. I called them and they said they would only take a payment if I did the payment through them. I did this they wanted XXXX dollars every two weeks. This is XXXX more than my mortgage. I told them I filed for help and modification and forbarence but they said it did not matter I had to pay them. I told them I would do it the first two times but then I went back to making the payment through my bank which they return a payment again. Can they return my payments when I am making over my monthly payments? I told them I finally got a new job but it may take me a few to get caught up. They stated ok but I need to only pay through OCWEN not my bank. But they charge me a fee to do that and my bank does n't. OCWEN also charges to mail stuff to my house and inspect my property which my house has never been inspected from OCWEN. I keep getting letters to file for a modification but I have several times. No response. I just want to pay my mortgage and get caught up. This is the third time this company has messed with taking my payments, raised my mortgage and when I call and ask why they always say it is taxes or escrow, I just want my loan to be modified with a decrease in payment or go to a different servicer. I just want to pay my mortgage and keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my free annual credit reports from XXXX, XXXX, and XXXX, I noticed an open account with Lending Club from XX/XX/2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the XXXX  credit report is " XXXX/LENDING CLUB '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.
Product: Debt collection

XXXX XXXX XXXX XXXX Account # XXXX Property addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX In XXXX my wife and I decided to get an apartment so we could be closer to work. XXXX XXXX XXXX was our electric provider and XXXX  was the cable provider for this place rented in XXXX of XXXX. 

We own XXXX houses in the XXXX area XXXX bought in XXXX another in XXXX have attached mortgage statements and water bills for both proving these were current addresses. 

Throughout the week we would bounce from house to house or apartment. Living at all XXXX. 

As XXXX went on we found the apartment at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX which XXXX XXXX XXXX was our electric provider. Was just too expensive to maintain. 

We worked out a move early with the apartment complex and our move out date was XXXX. 

I mailed documentation to all our service providers on XX/XX/XXXX including move out statements. 

I just learned I was charged an early cancellation fee from XXXX XXXX XXXX that was incorrect. 

I called and settled on my last bill and was told by representatives that they would put notes and remove the early cancellation fee as well as remove this reporting from my credit report. 

Please send documentation that is false reporting is removed immediately and send too XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Tx XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent police report, Federal Trade Commission report, and now the CFPB.
Product: Credit card

On XX/XX/XXXX, I received XXXX text messages alert from Fifth Third Bank notifying me of Suspicious activities. There were XXXX alerts received at XXXX : XXXX for {$XXXX} purchase through XXXX XXXX XXXX {$XXXX} purchase through XXXX XXXX XXXX, I notified the Bank XXXX the XXXX activity through the automated text messaging. 

At XXXX, I also spoke with the Customer Agent from Fifth Third Bank XXXX notifying them that I didn't make the XXXX purchases. 

On XX/XX/XXXX, I received a letter from Fifth Third Bank notifying me that my request for dispute was denied and that I am responsible to pay for the amount of {$XXXX}. ( For some the reason, the second purchase attempt was not successful ) I talked to the XXXX XXXX through the phone and the agent responded that XXXX provided them a receipt showing my name, address, email address and phone number and that they can not dispute the transaction. For them to re-open my case, I have to provide them proof that my data was stolen. 

I am just a victim of Fraud and unfortunately, Fifth Third Bank was not able to help me. I was hoping that with the notifications of suspicious activities, they were able to deny the transaction automatically. But even with the detection of Fraudulence, the transaction was not stopped and I, as a victim of Fraud, has to shoulder the payment of the said charges.
Product: Credit reporting or other personal consumer reports

15 USC 1681i ( XXXX ) ( B ) ( XXXX ) navy federal put a negative item on my credit for something I had no business doing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sold my account XXXX to a collection agency, who stated that they would reach out to lender to confirm agreement to pay and update account. 

The agreement was to pay {$350.00} which would settle account and would deem account balance settled in full. It has been my understanding with discussions with the collection agency that this was a " pay for delete '' although I never received confirmation. 

This amount has been paid, as agreed. 

The credit card company bank XXXX, continues to report a " past due '' balance of {$100.00} in addition to collection/charge off status. Both of these descriptions are an unfair business practice intended only to undermine my credit rating. ( the company and/or collection agency initiates settlement ; I agree, they collect settlement but continue to report inaccurate information even though they have received {$350.00} as " payment in full. '' The credit agency states that XXXX must update my credit file, XXXX sends me back to the credit agency stating that at some point they will send payment confirmation and update my file. 

Both, XXXX XXXX and the credit agency appear to participate in a joint unfair practice towards me, which involves ( a ) collecting legitimate debt the original lender is owed ( b ) abandoning any and call meaningful contact that would result in anything near-positive that reflects an update on the account and my credit file. 

This complaint does not dispute the debt owed. However, it appears that the lender 's practice is malicious and unfair. They appear to be taking advantage, while purposely not reporting accurate information on this particular account, which has been resolved. 

XXXX XXXX  does not care, and has displayed an utter inconsideration towards customers who have made efforts to resolve their debt with them amicably ; they have sold debt to collection agencies at a discount, benefitting from writing off the debt " as losses ''. Furthermore, they have reported my debt in this case and others as still old, derogatory and anything that would resemble an effort on my part to demonstrate a reasonable resolution.
Product: Credit card or prepaid card

Discover send me a lot of letters offering me the Discover It credit card the last offer I was offered a 14 month 0 apr on opening the account perfect they gave me that but it says on the offer after that APR will be 13.24 % -16.24 % based on creditworthiness but ended up having a 21.74 % APR after the 14 months. I called 2 times explaining that no luck wrote to them they told me that is the lowest APR they can gime me. So why did they did send me multiple offers for a lower APR and then when I opened the account they gave me a one not near what I was offered. That it 's just false advertising they lie to the clients then when they have you on their hands everything changes.
Product: Student loan

I get {$75.00} paid on my behalf from my employer through XXXX. Twice now, Aidvantage has not posted the amount on my loans, but by the record on XXXX, this was paid on XX/XX/2022 and XX/XX/2022. I looked at the history in Aidvantage and they show an amount of {$0.00} paid. I could understand the XX/XX/2022 payment not being fully processed after only a week, but the one for XX/XX/2022 is another story. Considering they'll charge me daily interest when the CARES Act stuff expires, this is a major problem.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I requested that the three credit bureaus XXXX, XXXX and Transunion remove the Bankruptcy or sub press it from the report.
Product: Credit card or prepaid card

I am writing to express my dissatisfaction regarding my bank and credit card accounts with PNC Bank. Recently, I received a bill in the mail detailing the amount I had spent using my credit card. To settle the balance, I diligently followed the remittance process and made a payment to the company. 

However, I am deeply perplexed as to whether PNC Bank committed a billing error or deliberately chose not to honor the law and acknowledge a valid method of offsetting my account. To compound my frustration, PNC Bank proceeded to report this incident to the XXXX major credit agencies. This action, I believe, violates the Fair Credit Reporting Act ( FCRA ), which clearly states that the term " consumer report '' does not include reports solely based on transactions or experiences between the consumer and the reporting entity. 

I find this situation extremely disappointing and seek a swift resolution. As I zeroed out my balance by diligently utilizing the remittance process, I kindly request that PNC Bank rectify this matter by promptly removing the erroneous credit report from my credit files with the aforementioned credit agencies. 

I trust that PNC Bank will take appropriate action in addressing and resolving this issue in accordance with the provisions of the FCRA. I appreciate your attention to this matter and look forward to a satisfactory resolution.
Product: Debt collection

i called for auto ins quote an paid in full 6 months XXXX XXXX {$400.00} then approx. 2 months later they added drivers to my policy without my authorization an took XXXX out of my credit card account without my approval and the account they used was closed. Then in XXXX they cancel my auto ins. causing me to go with XXXX. then approx. 2 months later cc collections called me and said i have outstanding balance of approximately XXXX an when i asked for the details of it and break down then never got back to me. in XX/XX/XXXX I seen a derogatory delinquent on my report when i called them the phone number listed on credit report for information in XX/XX/XXXX, they still did not know what the balance was for or any details an stated to me they would look into it but already have put on my credit report.
Product: Debt collection

I disputed with the company on XX/XX/XXXX I show that the company received my disputes on XX/XX/XXXX. According to certified mail notifications. I submitted an additional dispute on XX/XX/XXXX and show that it was received on XX/XX/XXXX. it is now XX/XX/XXXX and have still not heard back from the company from my request. The FCRA gives the company 30 days to respond with info requested and I have not gotten the info i requested or response about when I will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance {$40.00} ; XXXX XXXX XXXX XXXX Balance-
Product: Credit card or prepaid card

On XX/XX/2020 I received a text message from Capital One because they identified purchases as possibly fraudulent. I called them and let them know that I have either lost or had my card stolen, and was not in possession of it on XX/XX/XXXX when these charges were made. 

They were numerous and fairly small {$19.00}, {$24.00}, {$17.00}, {$50.00}, {$20.00}, {$75.00}, {$140.00}, {$13.00} I told CApital One that i was 100 % sure these were not my charges for a number of reasons. They were used with the physical card at locations around XXXX NY that I have never been to, and I was not in XXXX NY at the time. At least two of the charges, {$140.00} ( Walmart ) and {$75.00} ( Tops Supermarket ) are stores with many, many CCTV cameras if there was any doubt. 

As a result of this phone call to Capital One, they credited the account for the fraudulent charges on XX/XX/2020 Then on XX/XX/2020, without any notice, Capital One again reversed the charges and stated I was responsible for paying them because the physical card was used. I stated that we knew this from the start, and there are plenty of ways ( CCTV ) to show it was not me making the charges. They said they would look into it again. 

About a month passed, and I called to inquire about the status, I was told its over, and I had no chance of changing anyone 's mind. 

What I expressed first was not just surprise that they were blatantly not following policy/law, but that Capital One was perfectly happy to have me still as a customer of two of they cards. The one in question which is a Capital One Walmart Mastercard and a Capital One Quicksilver card. I asked why they would extend credit to me, who they are insinuating made purchases and lied about it. I received no answer other than " is there anything else we can help you with '' Capital One also identified this as fraud, and issued me a new card and card number immediately
Product: Checking or savings account

My wallet was lost somewhere in town with all of my financial information in it including my pin which was the last XXXX digits of my ssn. Someone made several ATM withdrawals with my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX AND XXXX XXXX XXXX reported an account to XXXX without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires COLLECTION AGENCIES to send a notice before reporting negative information to credit reporting agencies. In this case, I was NOT sent a notice therfore, I am requesting XXXX to remove this account from my credit report.
Product: Vehicle loan or lease

I purchased the vehicle in XX/XX/2023. The lender reported the purchase. They have not reported a single payment since then, which is negatively impacting my credit. They told me in XX/XX/2023 that they were working on it, and should have it resolved in 60 days. It is now XXXX and I'm being told the exact same thing. I made this purchase NINE MONTHS ago. They should have this resolved by now. I am trying to purchase a home, and this is preventing that! 

I have attached screenshots showing my payments, and that my account is in perfect standing.
Product: Mortgage

Upon receiving loan modification in XX/XX/XXXX we agreed to the terms within the modification agreement. We had the modification agreement signed and notarized by all parties necessary. We return the modification agreement to the lender, they reviewed it signed and notarized it. The agreement was then recorded in the local county on XX/XX/XXXX. 

The agreement is now not being honored by the lender, they said that there was a notary issue. I was uncertain of the notary issue when I was sent out the same modification letter in XX/XX/XXXX. When I received that modification agreement, I contacted them and was told it was sent an error and to discard it. Now Im being told that they will not honor the original agreement from XXXX because of a notary error. If there was a notary error, why would you notarize and sign it to begin with? If there was a notary error, why would it be recorded on public record in my local county? Please remedy this ASAP.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Resurgent/LVNV Funding for continued inaccurate and unlawful reporting on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The company is falsely reporting a collection account with a {$390.00} past due balance as of XX/XX/year> and continues to update the status monthly as a collection account. These actions violate federal consumer protection laws and have caused me financial harm. 

Violations of Consumer Law False and Misleading Reporting FCRA 1681s-2 ( b ) & FDCPA 1692e ( 8 ) A collection account should not report a past due balance because the full balance is already in default. This is a misrepresentation of debt under federal law. 
By reporting new delinquencies each month, Resurgent/LVNV Funding is illegally re-aging the account, making it appear as a new delinquency instead of an older debt. 
Failure to Properly Verify the Debt FDCPA 809 ( b ) & FCRA 1681i ( a ) ( 1 ) ( A ) I have previously disputed this account, yet Resurgent/LVNV Funding continues reporting without proper verification. 
Under the FCRA, once a dispute is submitted, the furnisher must conduct a reasonable investigation before continuing to report. The fact that this account remains is a violation of my rights. 
Unfair Credit Reporting Practices FDCPA 1692f Reporting this account in a manner that negatively impacts my credit score without proper verification constitutes an unfair and deceptive practice under federal law guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined a credit building company last year.CALLED SELF.I was paying {$35.00} dollars a month toward the loan they set up for me to pay in 24 months.In XXXX of last year.Someone working for them was stealing my payments going to them from an automatic payment straight from my bank account to them.Paying the monthly fees and the credit card payments. I filed complaints against them for the theft that was happening last May.It was found in my favor for the theft that was being committed against me.So they closed out my file as COMPLETED, BUT HASN'T RELEASED MY CREDIT FILE TO THE BUREAUS IN 10 months. Leaving me without a credit score for the last 10 months.