23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020, I notice there were two pending withdrawals from our Mortgage Company, Freedom Mortgage from my bank statement. I immediately called Freedom Mortgage to let them know about the two payments pending instead of just the 1 payment. They told me to wait until the payments went through. Then I would need to send them the bank Statement showing the withdrawal. Freedom Mortgage then stated it will take 10 days to return my money back to my bank account. I called my bank, XXXX XXXX in order to stop one of the pending withdrawals. They also told me they could do nothing until the payments went through. 
Today, XX/XX/XXXX Freedom Mortgage allowed the transactions to go through and withdrew the 2 payments {$1200.00}, instead of 1 payment of {$1200.00}. I immediately had to drop what I was doing and go to XXXX XXXX in order to dispute this transaction. Our reference number can be given upon request or you may contact XXXX XXXX. XXXX did however, return the {$35.00} for insufficient funds. 
We have tried to Call Freedom Mortgage and was put on hold for almost 1 hour before the call was cut off. My wife even tried to call the Corporate office in New Jersey but they were closed. Due to Covid we have very little savings ; It is Friday afternoon we can not reach anyone at Freedom Mortgage to dispute this. They said yesterday, it will take 10 days for our money to be returned. This is XXXX, ( XXXX ), our grandkids are coming to visit for 3 weeks ; I will not get paid again until XX/XX/XXXX. We are VERY short on funds and we have very little money for food and gas. We can not wait 10 days for Freedom Mortgage to return our funds. We have other bills to pay. These bills are coming due and Freedom Mortgage has put us in a very difficult predicament! Therefore, we CAN NOT wait. We need our fund released immediately!
Product: Mortgage

I received a letter today from ( Bayview loan servicing llc ) They bought my loan from ( XXXX ) in PA they bought my loan back in XX/XX/2016. I have been current on my loan with no missed payments since i took the loan out. The letter states that they will for close on my house in loan is not paid in full.
Product: Credit card or prepaid card

I have had a credit account with Chase Sapphire since approximately XX/XX/XXXX and have received several credit increases over that time. My most recent credit limit was somewhere around {$14000.00}. Since opening the account I have paid my account bill on time every single month. Like many Americans XXXX has been difficult for our family and for the several months I carried a higher than usual balance on my Chase Credit card ( along with several others ) however, during this time I still paid ( at the very least ) the minimum balance on these cards every month on time and when possible I paid more. On XX/XX/XXXX I was able to make a large payment of over {$13000.00} and pay off the vast majority of my balance. Several weeks later I paid off the remaing $ XXXX and brough my account balance down to XXXX. It was at that point I noticed that my credit limit had been decreased ( without notice ) from {$14000.00} to {$900.00} despite the fact that over the past couple of months my credit score had been increasing. When investigating further I found that this decrease was made on XX/XX/XXXX. 

When I contacted Chase I was passed around to about 6 representatives who told me that a letter ( I never received ) was sent to inform me of the change and that they basically ca decrease my credit limit whenever they want. When asked about restoring the original credit limit they told me that they would have to do a " hard pull '' which would count against my credit rating. This given the fact that they had already negatively impacgted my credit rating by decreasing my available credit by over {$13000.00}. 

My concern is that this is an incredible shady, classist business practice that harms Americans who are already struggling during these times. I find it more that a coincidence that in the almost two years that I have had an account with them they never decreased my limit ( despite occasionally carrying a high balance that was always paid off ), but now during these difficult times they just randomly decide they should look at credit scores and decrease people 's spending limits. Clearly, it is a matter of self-preservation and discrimination. Credit cards are exactly that. They provide credit to people particularly during times they don't have the cash to pay for things. There is no crime and no delinquency in carrying a high balance as long as monthly payments are made on time. People, particularly those who financially are having a hard time right now SHOULD not be punished by their selfish, discriminatory, greedy practices. Therefore, I would like to file this grievance encouraging investigation into their business practices and ethics.
Product: Prepaid card

I have tried to use my $ XXXX AMEX gift card several times to purchase something on XXXX, and it has been blocked every time by Amex. The card has the full funds and they will not let the purchase go through. I simply want to use my gift card on an online purchase.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

I have been paying on this loan since XXXX with no significant decrease in the balance during the entire life of the loan. It originated as two private loans from XXXX in the Summer of XXXX, both totaling approximately {$5200.00}. I have been paying on my loan since approximately XX/XX/XXXX. In XXXX, the loan was transferred to Navient. Navient has a federal settlement and over XXXX borrowers were given some type of loan discharge reduction. As a private loan borrower, I have received {$250.00} as some form of a refund. Meanwhile, this loan balance is {$6000.00} and Navient has gone up on my interest fees. I have questioned them about this without no recourse of action. I have been defrauded out of thousands from this private loan with no way to get out of it. I have worked in public service for an accumulated time of 10 years and I applied for public service loan forgiveness for my federal student loans, but I am being swindled by Navient. Something has to be done to support private student loan borrowers because they have strategically structured this loan for me to never be able to pay it off. Meanwhile, they are bombarding me with harassing phone calls, emails, and mail about these loans. I can not fathom how they are allowed to get away with this.
Product: Debt collection

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I have wrote financial assistance Inc. multiple dispute letters sent to them via certified mail. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The following accounts on my credit report have multiple inaccurate and inconsistent information being reported : XXXX XXXX XXXX XXXX
Product: Credit card

I spoke with no less thank 6 people at Wells Fargo credit and banking service departments over the phone on XX/XX/XXXX last person some person who claimed to be in the US CA in escalation dept " XXXX ''. 

I informed and conclusively proved they are charging fees on top of fees. 

I had paid a past due balance on XX/XX/XXXX and XX/XX/XXXX and had all past due late charges reversed on XX/XX/XXXX. Yet Wells Fargo refuses to acknowledge and still factors these reversed fees into a fraudulent claim of still " past due '' on statement dated XX/XX/XXXX. Whereby including reversed fees to make up a wrongly stated past due balance. This not only caused the account to be stated as further past due but incurred yet another fraudulent charge : " XX/XX/XXXX XXXX XXXX {$50.00} '' This is a scam!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Wells Fargo was fined by the US GOVT for similar fraud yet here they are again no less than 10 years later accomplishing the same scams as before with fraudulent fees on top of fees that were even reversed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Then attempting to force me to pay higher minimum balance due to include in this minimum due fees which were reversed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Whoever the CEO is should be hung and burned and placed in the same shameful grave as the prior CEO and their grave stones destroyed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

WHO AT THE US GOVT IS RESPONSIBLE FOR REGULATING BANKS AND THEIR FEES I WILL FIND YOU AND IF YOU ARE NOT FIRED OR RESIGN TOMORROW REST THE XXXX ASSURED YOU WILL BE AFTER I FIND YOU!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint in against Experian Credit Bureau. There are 2 complaints. 
1. I have an account with them. When I log in, it asks to verify my identity via phone or text message. The phone number they have is an old number. So instead I choose " security questions ''. When I click on security questions, it takes me to a page that says " Ooops '' and says I should call them. However, when I call them, I can't get a live person. Only automated services. The automated services makes me repeatedly input my data for clearance. It then tells me to go online and reset my password. But when I reset my password, it tells me " Ooops ''. I've been going in circles for 10 days. I've tried connecting with other departments in Experian, just to get a live person to help. No one. No humans work in Experian.

2. When I go through the circle of the automated services, it tells me that my credit in NOT frozen. However, I've been trying to lease a car and every time they do the credit check, it says my account is frozen. 

I can't log into my account to check. I can't get anyone on the phone. I've emailed them. They emailed me back and asked for more account information ( still no human phone number given ). I responded. My account is still frozen and I can't get the car that has been sitting XXXX weeks waiting for me. 

I'm XXXX XXXX XXXX, I've literally started getting XXXX XXXX  from this. I understand your protecting our credit identity, but this is literally ridiculous.
Product: Debt collection

I reached out to Spring Oaks because I received a piece of mail saying I owe money and I wanted to make it right. Upon further review of my credit report, I realize the spring oaks is a third-party who is attempting to collect a debt that I believe was charged off already. I have asked them for more information and have not retained it yet. I would like to confirm that the original charge was not charged off. Ive already paid this company {$89.00} and Im not sure its owed at all if it is not old, I would like a refund check sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I saw that a collection account using the name of XXXX XXXX started being reported to my Experian credit report. The debt is not mine and I have never received a bill or invoice from XXXX XXXX about this debt prior to it being reported on my Experian credit report. I disputed the account because it is not mine and Experian reported on XX/XX/2020, that XXXX XXXX verified the debt and it remains on my credit file. I wrote a letter to XXXX XXXX asking them to validate the debt on XX/XX/2020. As of today, I have not received a response from them. Yet the debt remains erroneously reported on my Experian Credit Report.
Product: Debt collection

They have reapeatedly call my numbers AFter I explain that the yare calling the wrong number and that I am not the one that they are looking for. So I told them to please take my number off their calling list. But htey have not. They already call me and hang up 3 times @ XXXX this morning. I return the call just to confirm and the office respond by looking up my phone number and she told me thier was not any number on their list. 
Company name is IRC services. Phone number is showing up is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint to you, the CFPB, regarding the debt collecting company named XXXX XXXX, they replied saying that they follow all legal rules regarding credit reporting however that is a false statement. XXXX XXXX, continues to report a 13 year old debt without providing any evidence that the debt has ever become due. The original creditor, XXXX XXXX XXXX, only has the original note dates XX/XX/XXXX ( 13 years ago ). XXXX XXXX XXXX does not have any ledger showing when and if this account became due. No documents to show the first day it was late. When I questioned XXXX XXXX, I was told that they have a date of XXXX however, they do not have any documentation provided that date. The only documents that XXXX XXXX has been able to provide me is the note dated the year XXXX ( 13 years old ). When I question XXXX XXXX, they simply say that I have to pay them or they will continue to report it to the credit agencies until I pay it. 

At this point I feel that XXXX XXXX, is extorting me by continuing to illegally report a debt without proper proof of validation. 

Experian is the only credit company who has chosen to continue to report this 13 year old debt, without asking XXXX XXXX for any documented proof of what they are reporting. 

This unfair credit reporting is not allowing me to obtain new credit and or employment causing me financial stress. XXXX XXXX needs to be reprimanded for extortion as they continue to tell me that if I don't pay it ( even though it has past the 7 years ) they will continue to report it.
Product: Credit reporting or other personal consumer reports

in XX/XX/year> I noticed errors reporting on my credit report for a collections company, and it seems to be draging my score down I asked Experian to look into file and noticed that they updated the information and closed it out rather quickly and did not do a full investigation. I know very little but I do know my rights, and the little I do know I can see they keep reporting an error on my credit report related to XXXX XXXX XXXX. I asked for payment history to be updated, and its also showing terms of 1 month. I have made no such agreement with this company and they are pretending to be a credit report. I have a feeling this company talking to one computer to another and after doing a little research that seems to be the case with a program called XXXX XXXX. This is erronous and needs to be removed from my credit report. I should not have to go to a government website for help when your company experian should be doing the right thing by providing correct and valid information. I am requesting your company delete this off my file, since you can not provide accurate and valid information to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit alerts for my credit report set up and received one that says a hard Inquiry was done to my credit by Bank Of America. 

I do not have a bank of America account nor do I have anything from them. Not credit card, Bank account nothing. And I haven't given them any authorization to do a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : XX/XX/ Last XXXX SSN : XXXX Subject : Formal Complaint Inaccurate Credit Reporting by XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX regarding their inaccurate credit reporting and violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the inaccuracies in XXXX 's reporting of my account with XXXX XXXX XXXX, Account Number : XXXX. 

I have recently obtained my credit reports from both Transunion and XXXX and have discovered a significant discrepancy in the balance reported for this account. Transunion reflects a balance of {$0.00}, indicating that no money is owed, while XXXX reports a balance of {$1000.00}. It is evident that these balances can not both be accurate representations of the same account. 

Under the FCRA, I have the right to dispute any discrepancies contained in my consumer credit reports. Pursuant to Section 611 ( a ) ( 1 ) ( B ) of the FCRA, if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency is obliged to conduct a reasonable investigation to determine the accuracy of the disputed information and record the current status. In this case, XXXX 's reporting of conflicting account balances violates this provision of the law. 

I kindly request the Consumer Financial Protection Bureau to intervene and address this matter with XXXX. I seek the following remedies : 1. A thorough and comprehensive investigation into the discrepancies regarding the account in question.

2. A prompt deletion of any inaccurate information from my credit report.

3. Written confirmation of the completion of the investigation and the removal of the disputed account from my XXXX credit report. 
4. Imposition of appropriate penalties on XXXX for their failure to comply with the FCRA. 

I appreciate the Consumer Financial Protection Bureau 's attention to this complaint and its commitment to ensuring fair and accurate credit reporting. I rely on your assistance in resolving this matter and seeking the appropriate remedy for the harm caused by XXXX 's inaccurate credit reporting practices. 

Thank you for your prompt action in this regard. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

I want to express my concerns regarding Zelle handling disputes due to the recent lawsuit the CFPB has made highlighting the the issues with the platform. I have used Zelle various times and filed discrepancies however my bank institution and Zelle have failed to investigate my claims. In their statements they mentioned that they were unable to help be getting the funds back into my account because they are untraceable and recovering the funds would be impossible. With the CFPBs findings it has been established that Zelle has failed its consumers which only allowed scams to occur on their platform. This raises concerns for consumers safety and privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unrecognized accounts on my credit report.
Product: Debt collection

I have been contacted every day for months about this account. On several occasions I have asked for the original creditor XXXX XXXX and XXXX XXXX to provide proof showing why I owe this amount and neither have been able to provide me anything. I spoke with a representative in XXXX and asked for this information and was told " we do not have that on file for your debt '' I advised I was sure the amount was wrong and she asked me " how much do you think you owe or what do you think the correct balance is '' At that time she wanted to set me up on a payment plan but I was still weary about this debt because I know for a fact this debt owed is incorrect and I want proof for the debt reporting on my credit. I have also disputed this with XXXX.
Product: Mortgage

On XXXX XXXX 2015 I locked a loan with Bank of America XXXX BofA XXXX. XXXX XXXX was the loan officer. The interest rate was 3.5 % and the APR was 3.519 %. On XXXX XXXX I was informed that BofA could not honor the loan interest rate that we locked on XXXX XXXX. They stated that they could do that days rate which was now 3.75 %. I cancelled the loan with BofA and moved to XXXX bank where I closed a loan at 3.75 % interest rate in less than XXXX weeks. 
I had moved to BofA from XXXX originally because XXXX had enticed me by stating that he can beat on the rate and closing costs. XXXX had offered me a 3.5 % interest rate and XXXX had stated he would beat them at the closing cost amounts and at least match the interest rate through what he called a 'competitive match ' situation where he obtained approval through his boss. There are supporting documents that show the 3.5 % interest rate lock. Also, XXXX received documents that day. I 'm unaware of what they entailed. Please let me know if you need more.
Product: Debt collection

TWO COMPANIES ARE REPORTING FALSE INFORMATION TO THE CREDIT BUREAU OF AN ACCOUNT THAT I NEVER HAD WITH THEM I NEVER OPENED A TELEPHONE ACCOUNT WITH THAT COMPANY, THEY ARE REPORTING ME CHARGES OF {$1500.00} AND THEY ARE DAMAGING MY CREDIT. ACCOUNT NUMBER # XXXX I.C SYSTEM INC {$1500.00} XXXX XXXX XXXX # XXXX {$650.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$970.00} XXXX XXXX XXXX  XXXX XXXX # XXXX