23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I just spoke with XXXX at XXXX phone number XXXX, who validated that back in XXXX they requested Equifax to remove this fraudulent information and I have requested this several time from Equifax. Equifax is not making any correction or assisting me with removing something that XXXX has told them was not my fault. 
Additionally, The XXXX Account has the same issue. I called that company in XXXX. 
These XXXX items are destroying my credit report and I ca n't get a XXXX student loan.
Product: Money transfer, virtual currency, or money service

I have a friend who is incarcerated and who sends mail occasionally to my residence. I went in through JPay to refund him for the stamps that he has recently used and will use, because obviously he can't afford it on his own due to the wages paid within the penal system. I entered {$20.00}. The system ran the payment for {$200.00} and charged a {$4.00} processing fee. Their system never notified me prior to charging the fee. Moreover, there was no notification asking me to confirm the dollar amount prior to processing. This is completely atypical for payment processing. I've had other problems with JPay as well, but this is the most egregious mistake. There is even a recent article suggesting the state of NY is planning on dropping them for predatory behavior. I've told my friend that he doesn't need to refund me and just to use the stamps for future mailings since he does a lot of mailings through XXXX outreach programs, but I know he is going to arm wrestle me into taking it back. Regardless, the CFPB really should address this problem with JPay. I've also filed a BBB report, but they do not answer their complaints and their BBB file has an F rating. I've also filed attorney general complaints with the state of Kansas and Florida. I'm sure they believe they can get away with the behavior because most incarcerated individuals and their families have limited education and do not understand consumer protection at all. The problem is I do not have a limited education. I am very consumer protection aware. I have XXXX XXXX degrees and XXXX minors. I also hold XXXX research certifications. I graduated from the XXXX XXXX XXXX with honors. JPay has a lot of other problems as well, but this is the only problem that falls under the jurisdiction of the CFPB.
Product: Debt collection

Daily calling of my cell phone using multiple phone numbers at XXXX.. My cell number is new, they apparently are looking for the previous cell number owner about some debt and despite numerous requests they have not removed my number.
Product: Mortgage

I have a Mortgage through First Home Mortgage @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ( XXXX ). I am trying to remortgage through XXXX. On XX/XX/21 @ XXXX ( EST ) I called First Home Mortgage ( FHM ) to request a Mortgage Statement-spoke w/ XXXX-put on hold for ~10minutes and I hung up. XX/XX/21 XXXX I called back to FHM and reached XXXX and he agreed to fax a Mortgage Statement that he said they have 3 days to fax. A Mortgage Statement did no arrive. On XX/XX/21 at XXXX I called back to FHM and reached XXXX who told me that they are not by federal law permitted to fax a Mortgage Statement but she would request one be mailed to me. ( Since I locked in an interest rate with XXXX ). Just to be sure it was mailed-I called back XX/XX/1921 XXXX and reached XXXX and explained the situation-a Mortgage Statement was not mailed, I asked to speak to a manager and was transferred to XXXX it was XXXX when XXXX picked up the phone. XXXX said a Mortgage Statement can be mailed or faxed-I requested both mail and fax and asked if she could fax at that time-again told they have 3 days. I still have not received a Mortgage Statement.. I even told XXXX that I was going to report them. I tried to sign into web page and can't get in. I have a coupon book and do not receive a Mortgage Statement. All I need is a Mortgage Statement. Thank you for any assistance.
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 | 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
Product: Mortgage

Hello, Please help us! We are trying to sell my Mom 's home.She has a reverse mortgage which is service by NOVAD Consulting Company. 
We are currently under contract but are in danger of losing the sale due to lack of Payoff information by NOVAD.The Title company has followed all of the rules and filled out all of the forms properly.We have no response from NOVAD.We have spent hours on the phone on hold with no human to talk to or even leave voice mail. 
There are XXXX XXXX XXXX XXXX Complaints concerning NOVAD. 

We lose the sale of the house at Midnight. We lose the sale of the house. We will lose over XXXX in equity in the sale of the home of we can not close. 

NOVAD does not respond. 

House is under contract-XXXX XXXX NOVAD- refuses to provide payoff for closing XXXX XXXX XXXX  XXXX, Texas XXXX Thank you so much! 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

I have 5 late paid entries on my credit report back from XXXX, this seems like it will never go away. It's been 6 years and according to the FCRA, according to New York State law, these reports are illegally still showing on my credit report and they are hurting me financially. I have waited years and suffered with what essentially amounts to a XXXX XXXX because I can not get this company to remove these very aged late payments ( also the account has been closed since XXXX to boot ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$670.00} has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy. 

Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed unauthorized inquiries. Tried contacting credit reporting agency and the creditor and got the run around. These unauthorized inquiries are hurting my credit. These are the inquiries below : XXXX XXXX XXXX  XX/XX/20 XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX  XXXX XX/XX/20
Product: Credit reporting or other personal consumer reports

I was alerted by Credit wise that this company did a credit check on me. I didn't apply for any credit with them. I have no idea what this is or where it came from. 

CB INDIGO Bank XX/XX/2024 Inquiry Details Inquiry Date XX/XX/2024 Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX
Product: Debt collection

This company named ENHANCED RECOVERY SYSTEMS has attempted to collect a Debt that is not mine int the amount of {$960.00} with account number of XXXX
Product: Bank account or service

I put an XXXX iPhone 6 plus on layway for my daughter for {$710.00} at the XXXX store. I made several payments with cash and debt cards. After I completed all the payment and I received the phone. When I tried to activate the phone with my provider, XXXX informed me that the phone is locked under t-mobile. I returned the phone to XXXX for a refund. They said it would have to be replaced on a credit/debit card. I informed the manager the payments we made mostly with cash and there were different cards yused. He told me it did n't matter which card. I gave them a netspend card in which the total purchase amount was refunded to the card. In about 24 hours the refund posted. At that time netspend put a block on the total balance {$920.00} in the account instead of blocking or have the refund pending. I am truly outraged and I 'm infuriated. I have no access to any money. I call customer service to resolve the issue. It should be against the law for them to not allow me access for my funds that were in the account before the refund. I provided them receipts. It is as easy as making a phone call to get validation on the transaction. Now I have to pay a fine for court tonight @ XXXX but I have no money.
Product: Mortgage

Our mortgage was sold from XXXX to Salene Finance in XXXX 2015. I paid my XX/XX/XXXX payment to B of A but Selene never got it and assured us during the transition I would not be assessed late fees or report negatively to the creditors ( which I was ). Long story short my husband have just come out of a 4 year on off unemployment steak we asked Selene for a payment plan and submitted our paperwork. We made our XX/XX/XXXX and XX/XX/XXXX Payments but they are not reflecting as being paid so we look 4 months behind. They denied our request for a payment plan because they want to come into our house. Now when we modified with XXXX they did an outside inspection. We live in this house it 's an invasion of our privacy and they are n't applying our payments so they can kick us out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called Wells Fargo Home Mortgage to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what XXXX  and XXXX  ( XXXX XXXX ) and Wells Fargo app. 

Additionally, considering how fraudulent WF has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.
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 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  have 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
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) is a process server that was hired in my case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to legally serve me with a lawsuit. 

On XX/XX/2022 at approximately XXXX, an unknown man in an unmarked vehicle dressed in informal street wear without any identifying information ( such as a badge ) waited down the block from my home in his car ( a white or silver sedan ) with the lights off. When my husband pulled into the driveway of our home and opened the garage door, the man in the unmarked car sped up to my husbands car with unknown vehicle 's lights ( headlights and taillights ) OFF. This scared my husband so badly, that he hurried to close the garage door behind him. The man in the unmarked vehicle turned on his vehicle lights, walked up the driveway, and proceeded to pound on the garage door with his fist. According to my husband and our home security footage, the man never identified himself. Adding to the scariness of the incident, the man walked up to our front door, even though our house outdoor lights were off, and proceeded to pound on the front door, while also peering through our doors peephole and through the windows. All of this can be seen on our home security footage. Unbeknownst to us, the man just drops the legal papers at the door and leaves. We didnt know who he was or why he was there until we investigated the papers left behind and received notices through email that I had been served a lawsuit. Because I was so unnerved by the event, I called the police and had them write a report. I have attached it below. 

This situation is also problematic legally because the man in the white/silver sedan had increased the speed of his vehicle with his vehicle lights off while there were families and children in the street ( off camera ). He also appeared suspicious to neighbors and sparked interest with the community 's unofficial neighborhood watch. 

I understand that XXXX is entitled to attempt to locate me to serve a lawsuit. However, the tactics used during this incident were legally unethical, does not represent good faith measures on behalf of the law firm to collect a debt, and is arguably morally reprehensible.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I am filing this compliant because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thanks
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a Credit Card Debt from Capital One Credit card. I asked for verification and they sent me a copy of a letter from Capital One stating that XXXX XXXX XXXX has the debt, HOWEVER ; PRIOR to this, the debt was DISMISSED by XXXX XXXX, so this debt does not exist. It was dismissed.
Product: Debt collection

We continue to receive phone calls at home looking for " XXXX XXXX '' and " XXXX XXXX '' - often the debt collectors will not reveal whom they are working for or where they have obtained this information. 

Today I was able to ascertain, after calling back and speaking with a supervisor that Harley Davidson Financial Services had obtained this information via XXXX. We are on the federal do not call list and do not wish to be contacted As these parties are unrelated to us we consider these calls to be harassment. I was troubled by the tactics used by the collector who would first not identify which company she was calling from ( simply that she was " XXXX '' ) until asked, nor was she willing to release information regarding the incorrect data including the source, she simply hung up when questioned about why she contacted us.
Product: Mortgage

Making XXXX XXXX payments of XXXX to BOFA XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. My old regular payment was {$1100.00}. The old payment was still in my XXXX bill pay and went out my mistake on XXXX XXXX, 2015 and XXXX XXXX, 2015. Not wanting to mess up the trial payment I sent the full payment of {$1500.00} on XXXX XXXX, 2015. I need to receive credit or refund for these XXXX payments before XXXX XXXX, 2015 so I can make the full trial payment of {$1500.00}
Product: Credit reporting or other personal consumer reports

It has been drawn out that 3 Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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: Credit card or prepaid card

On XX/XX/2020 I was charged {$200.00}. I did not agree to charge. This is fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late.

System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment.

Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened up a checking account through CitiBank under their Citibank Account Package. Their terms were to open and fund it with {$15000.00} by XXXX XXXX, 2016, and I would then receive {$400.00} with 3 months. It has now been 5 months since that deadline and I have not received this bonus. Inquiries to Citibank have only been met with Cryptic " we 're working on it '' messages. 

http : //www.mymoneyblog.com/citibank-checking-account-bonus.html is a good representation of the terms of the promotion
Product: Payday loan, title loan, personal loan, or advance loan

I have been a customer with Western Finance XXXX XXXX Texas for 2 years now. In yesterday they called me 14 times and showed up to my house. I had spoke with them to make arrangements to pay, but I ended up taking my kids XXXX XXXX XXXX. These two ladies then showed up at my house at XXXX, banging on my door.
Product: Debt collection

Recently, a collection agency named XXXX XXXX XXXX contacted me about an outstanding balance I had with another company for {$250.00}. I informed them that the balance was due to equipment that was unreturned, but I had since returned the equipment, which negated the balance that was owed. But despite that, this collection agency reported this negated debt anyway.
Product: Debt collection

Received email from Jefferson Capital Systems , LLC dated XX/XX/2024 at XXXX, advising of a debt that I do not owe. The email included fabricated and fraudulent information and dates. I have not had a relationship with the claimed vendor for at least 15 years, fact that if the claimed debt were valid, it would have surpassed any and all possible statute of limitations in the state of Florida. A dispute letter was mailed to the shown address shown on the email, Jefferson Capital Systems , LLC, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, on XX/XX/2024, two weeks before the requested due date for a response, XX/XX/2024. The dispute letter was very specific in requesting any and all information, original dated invoices from the claimed vendor, transactions, payments, etc. that would clearly show and support the claimed owed amount. Follow-up phone contact was made on XXXX, even though the email did not have any telephone number to call and they reference their being contacted by phone, but no number. Laughable and so typical in this line of business. The call was made on or about XX/XX/XXXX or XXXX to advise of forthcoming letter. My call was met with outright aggression, derogatory comments about my person and insinuated threats as to the so-called consequences of my failure to respond. Despicable and disgusting and a total unwillingness to note the account with the information about the letter. Further, another follow-up letter was mailed on XX/XX/XXXX with a copy of the XX/XX/XXXX letter and no response. They have had the audacity of opening a so-called new account now shown in my credit report in the claimed amount due. They are a total undesirable, disrespectful and despicable entity that needs to clean up its act as I will take any and all actions and/or legal recourse to ensure they are taken to task and that the fraudulently fabricated and claimed amount is removed from my credit report. Further, I have sent them a cease and desist letter advising them to only contact me in writing only to my known mailing address. No emails and no phone calls. This is also being reported to the State of Florida Attorney General 's office for warranted action on this unscrupulous entity. I may be contacted by your organization only to answer any and all questions you may have, however, I do not want any communication from them that is not in written form mailed to my known address. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank has allowed someone to do hard inquiries on my account and they sent something in the mail asking for my social security number and the credit bureau to resolve the issue.
Product: Debt collection

This was a duplicate account which was an error in reporting. I contacted the company and they verified it was an error. But they have yet to do anything about it. Every time I call them they keep putting me on hold for long periods of time and then hanging up on me. They hung up me XXXX times just today.