23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : DISCOVER BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MUFG Union Bank Purepoint is mistakenly reporting a late payment in XXXX 2022. Please see attached a transaction history from my bank showing proof of payment. Please recall the late payment asap. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan and got denied but when they pulled my credit report 3 hard inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  were placed on my credit report. I also applied for an auto loan which was denied as well and had another hard inquiry on my credit report from XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Mortgage payments sent to Ocwen Loan Servicing every month on time via XXXX Payments are for two  homes so two checks are ALWSYS in the envelope Ocwen will process one check and not another sporadically No notification sent about missing payments Last payment sent XXXX 2016 returned stating that it is not sufficient to bring the account current Ocwen filed foreclosure on XXXX XXXX 2016 They dragged their feet on the paperwork until the last minute had to file for bankruptcy to avoid the foreclosure They claimed they could not change the foreclosure date One home was offered modification and I applied for modification in the other and it was denied I gave a chapter XXXX hearing on XX/XX/XXXX. Ocwen never notified us for three years they never got a payment. I gave copies of all checks sent to them. I have proof they only cashed some and not all. They hide behind their XXXX employees who do not have a clue. Finally spoke with someone in the US and she could not care one bit stating they denied the modification because they could not reduce the loan amount by 20 % and they are nit mortgage lenders only processors I asked to speak with the underwriters or who is in charge and that was denied Their attorneys do not care. I sent them a package via XXXX with copies of all checks sent to them. They have not returned one check or processed the payments they received. I have tried to work through this with attorneys and all I end up with is filing bankruptcy This home is in Georgia
Product: Debt collection

The company PHOENIX FINANCIAL SERVICE is reporting to the credit bureaus that I owe debt on three accounts ( Account # XXXX, XXXX, XXXX ). I sent Phoenix a letter requesting validation and proof of the debt on XXXX XXXX, 2021 but I have not heard anything. They are still reporting that I owe even though they haven't provided me with any information nor have the responded to my letter. I do not believe the debt they randomly put on my report is mine. 

This is causing me undo stress and frustration. It is also impacting my ability to get lower interest rates. I have attached a copy of the letter I sent them.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report in pending litigation that should not be there, and despite multiple attempts to get them reviewed and removed, no action has been taken. This inaction is unacceptable.
Product: Checking or savings account

XX/XX/2022 USAA bank reported that I have bad banking relationship with them to my consumer report. I have never opened up any type of products or accounts with usaa bank. Because of this my business funding was taken back from me destroying a business deal that was already in the works. I am also unable to open any other account all due to this false report. I have reached out to USAA bank several times I did the verification of identification and someone was supposed to call me for three weeks now and the wait was only 1 day. I went to a branch which took me four hours all for them to tell me that I had to wait for account recovery to call me. This is messing up my business and destroying my life XXXX XXXX  is the bank that once approved me for my funding and then took it back and XXXX XXXX is the one that denied me the opportunity to open up a bank and its all because if this false report from USAA bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied a loan due to Equifax reporting! I have made 9 attempts to retrieve that report online, but Equifax says it is not available online even though they advertise that it is available that way. I have left 2 phone messages using the number provided requesting the report and have also mailed documents asking for this report. 3 months have elapsed. I am entitled to have it once a year anyway and if and when I am denied credit, which I have been. What must I do to get the free report, short of paying the {$11.00} they say I must pay to get it??
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> & XX/XX/year> ) I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action
Product: Checking or savings account

I went online today and discovered the following transaction : XXXX XXXX XXXX XXXX {$4.00}. I reported this transaction to my bank and a live agent XXXX however when she noticed the cards had my name and my spouses name ( she stopped being helpful because of us being a legally XXXX XXXX  ). We tried to deal with it anyways, but XXXX kept disconnecting the USAA cyber chat  and booting us from the chat for such a serious matter. It never did get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act account # XXXXXXXX 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
Product: Mortgage

XX/XX/2016 I contacted by phone Select Portfolio Servicing ( SPS ), my alleged loan service provider, to inquire about the process of applying for a modification of my loan under the Federal HAMP program. I chose to start the program and sent some original documents to SPS. Under this program, and the California Homeowners Bill of Rights ( CA HOBR ), I am protected from the loan servicer or loan trustee ( allegedly XXXX XXXX XXXX ) from initiating any activities scheduling a foreclosure sale or trustee sale while I am applied for inclusion in the HAMP. The servicer ( and/or trustee ) is prohibited from initiating or continuing any foreclosure actions while a HAMP application is being considered. This prohibited action is referred to as " dual tracking '' and is prohibited by one of the main statutes of the CA HBOR and HAMP. After receiving correspondence on XXXX/XXXX/16 from SPS specifically saying that they will NOT be scheduling a foreclosure sale once I was participating in the Modification Loan process, I was shocked to discover that XXXX had filed a " Notice of Trustee Sale '' on XXXX XXXX, 2016 with the XXXX County Recorder, a direct contradiction to what the CA HBOR and HAMP require, plus their own statements in their letter to me dated XXXX XXXX, 2016. In the letters they called out that I would have until XXXX XXXX, 2016 to complete all of the documentation required for the HAMP application. 
On a second note, SPS also sent correspondence stating that XXXX XXXX, with the title of Relationship Manager, would be my " single point of contact '' during the HAMP application process, as required by CA HBOR. I have been mostly unable to contact XXXX XXXX, and have been directed to other individuals at SPS, who without fail have provided misleading and/or contradictory information. This is in direction violation of the CA HBOR 'single point of contact requirement '. 
See attached documents that provide a view of how SPS and Quality Loan Services have violated CA State and Federal mandates. Below is a copy of the body of an e-mail that I sent out to XXXX XXXX. As of XXXX/XXXX/2016, the " Notice of Trustee Sale '' is still listed by the XXXX County Recorders. 
I have attached an email and other documents that I sent to XXXX XXXX on XXXX/XXXX/16 that display the points I am asking the CFPB to investigate.
Product: Checking or savings account

In late XX/XX/XXXX 2014 I had an incident where someone used my account for fraudulent purposes. A fake check was deposited into an account that I was a joint owner and withdrawn using a fake credit card at a local ATM. I immediately reported this incident on the day that it occurred to the local sheriff 's office. The sheriff 's office directed me to the city police since the incident occurred within the city limits. The matter was investigated and camera footage from the ATM and the bank was obtained. Those involved in this incident were not able to be found. A representative for BB & T by the name of XXXX contacted me and threatened to file charges against me! I was forced to pay BB & T the money even though I had nothing to do with the incident and filed the police report. I was the victim of fraud however the money was debited from my account and I had to pay the remainder of what was stolen from me by using my credit card. This was done with the assistance of XXXX XXXX at my local branch. XXXX made multiple phone calls to me and was very aggressive and abusive in her conversations to me. After paying all of what I was ordered to pay to the bank ( including insufficient funds fees due to an overdrawn account ) my accounts with BB & T were closed and my name has been flagged in their system as a customer who is never able to do any business with them again. This practice is not fair to me nor does it seem legal. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). These actions violate this statute.
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX XXXX using the my Synchrony CareCredit card. After I submitted the order, I was notified about a day later that they can not deliver the machine due to COVID 19 or they could put it together " outside or in the garage. '' There was no option to cancel the order, and I responded back to the inquiry from the delivery company asking for alternatives. I have attempted to call CareCredit/XXXX  4 times and been on hold for hours. I have not accepted this merchandise and can not receive delivery under the conditions that the company is offering ( I live in a 4 story complex and don't have a garage ). I would like this charge reversed in full on my CareCredit charge account and the merchandise returned to XXXX. This is the only workable solution.
Product: Student loan

I was contacted X/XX/17 by a company with multiple names listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that stated they could help me with my student loans and and that the company was created on behalf of the Dept of education. I felt very pressured over the phone but this company had all of my information so I assumed it was a legitimate company. Now I am concerned that I may have given more of my information to a fraudulent company. My XXXX with my social security number as well as signing agreements. They told me what Navient my student loan servicer is telling me is false information. They also told me that they could help me decrease my student loan payment and that any payments I 've made so far with Navient wo n't count towards my student loan payment and I would need to start over. The person I spoke with was XXXX XXXX XXXX. This company also charged {$1300.00} to complete my application with the dept. of education for public service loan forgiveness that would be deducted from my bank account by a third party. I do not want this company making changes to my account on my behalf. Unfortunately, I signed some papers and now I am doing everything I can to prevent this from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tryed to dispute these accounts back in XX/XX/XXXX XXXX bank, XXXX, and XXXX  XXXX  with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from Experian showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not allow me to log in. The reason is that the name they use on businesses to verify me is different from the name the businesses use themselves. Example : XXXX   presents themself to me as XXXX ( XXXX is an abbreviation for XXXX XXXX XXXX XXXX XXXX. 

For this reason I can not be verified. 

I have asked them for a verification that is not defective like this, but it is like talking to a wall. The operator and the supervisor can not 1. refresh the questions, 2. Verify me some other way, og 3. Fix the defective system. 

Please assist me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of america reported me to XXXX eventhough i called them and explained what happened to my joint account since our divorce was ongoin. But bank of america still reported me. Now i can not open an aacount to any bank because of them. I already called XXXX and disputed the transaction but still its on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX, and XXXX XXXX XXXX Account Number XXXX However, they stated everything 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Had card for almost two years, never missed a payment or was late, not even once. Called company in XXXX to remove auto pay from my now closed bank account. Capital One never remove it and I didn't know because the account was closed. I continued to call and make monthly payments ON TIME yet they still added a late payment and fees for one month! I hadn't used the card that often until XXXX. Once i used 90 % of my credit and closed a previous account with capital one they instantly closed this account on the same day and sent it to collections. This is a scam! Now I have higher interest on a card that i cant use. Contacted company atleast 5 times to Un restrict my card and they stated that the card was canceled when it says " restricted '' online. This is a scam to keep people in debt. Ive asked for a cooperate contact and was directed to an email. I was told my account would be reopened after 10 days and continue to make payments its been a month and after my last call on XX/XX/ I was told my account would never reopen and i did not qualify for another crad. this company is scamming people
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Debt collection

NUMEROUS LETTERS FROM RESURGENT CAPITAL SERVICES, AND NUMEROUS OTHER COMPANIES LIKE, LVNV FUNDING INC, THAT RESURGENT CAPITAL SERVICES IS DOING BUSINESS AS CONCERNING A CREDIT CARD DEBT FROM 20 YEARS AGO THAT WAS CHARGED OFF 15 YEARS AGO. I HAVE COMMUNICATED MANY TIMES WITH RESURGENT AND RESURGENT 'S OTHER COMPANIES, THAT THIS IS NOT MY DEBT AND TO PLEASE STOP. RESURGENT ET ALL CONTINUES TO USE THE US XXXX XXXX TO HARASS ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added as an authorized user on someones primary trade line in XX/XX/2020 and was taken of the account in XX/XX/2020, but the authorized user trade line is still being reported as open when its been closed for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CR XXXX this case was won in the appeal court and i was released seeing how i am getting credit reports and what not i was sentenced to 8 years XXXX that would put my release somewhere in XXXX
Product: Debt collection

On a given day I could get 10+ calls from Allied Interstate. I pick up, they hang up on me, or when I do get someone they do n't speak English and demand I pay my debt. 
I have asked them not to call repeatedly through out the day, and they continue to call.
Product: Credit reporting or other personal consumer reports

Ive taken a look at my consumer report and noticed some late payments illegally reporting. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''. Please update the following accounts as PAID AS AGREED : XXXX XXXX XXXX # XXXX ( BILLED INCORRECTLY ) XXXX XXXX XXXX # XXXX ( BILLED INCORRECTLY ) XXXX XXXX XXXX # XXXX ( BILLED INCORRECTLY )
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/2021
Product: Credit reporting or other personal consumer reports

Regarding the list of inquiries below, I am formally requesting their removal from my credit report. I did not authorize these inquiries, and their presence is negatively impacting my credit score. Additionally, there is a fraudulent account listed, which I never opened. I demand its immediate removal from my credit report as well. 

As per the Fair Credit Reporting Act, only accurate and authorized information should appear on my credit report. Since these inquiries were unauthorized, they must be deleted. 

Furthermore, there is an error in the reporting of my XXXX XXXXXXXX XXXX credit card on my Equifax credit report. The payment history is inaccurate, as the account has always been current. I have attached copies of my XXXX credit report, which accurately reflect this. I request that the information be corrected to accurately reflect the timely payments made on this account, in accordance with federal regulations outlined in the Fair Credit Reporting Act. 

Hard inquiries 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 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  XX/XX/XXXX Credit cards reporting incorrectly XXXX XXXX XXXX Has XXXX late payment reporting
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The person who stole my identity must have changed my information because I can't login to view my credit score and correct many issues on my report. And when I call them I get hung up on our I can't get past the automated service to be able to talk to a live representative
Product: Checking or savings account

My wise ( https : //wise.com/ ) account has been deactivated on XXXX XX/XX/2023 without any reason they even didnt inform me regarding any deactivation. when I contacted customer support they said account has been deactivated and said they will not tell the reason of deactivation. Then I continued to contact them again and again but they didnt give me a proper response. There are XXXXXXXX XXXX in it. This is the first response I received from them ( XXXX XXXX, Thanks for contacting Wise. 

XXXX received your appeal, and your ticket number is XXXX. 

Please, make sure you are contacting us from the email associated with your deactivated account. If you contact us from a different email, we wont be able to review your appeal. 

Our team will be in touch with any updates. This can take up to 20 working days. We wont be able to reply to any questions before this time. 

Thanks, The Wise team ) one and a half month has passed but didnt receive any satisfactory response from them.