23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello well on XX/XX/2023 I put my money into XXXX XXXX and al.ost immediately they froze everything which that's all the money I have. I have repeatedly contacted them on live chat, email and in calling asking why my funds are frozen and for how long and in every case I get the same answer you will be contacted by our investigation team and still nothing. At this point on XX/XX/2023 it will be 45 days since they did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings CFPB! 

I have recently filed a complaint with *TransUnion XXXX XXXX XXXX Inaccurate and questionable information reporting on my credit file. I received a response from *TransUnion* applying that I had or have a " properly authorized third party '' Speaking upon my behalf~ Which really blows me. I have taken ALL the proper measures to work and clear up my credit line~ Attending courses doing proper research etc ... Understanding that my family & I future can be at stake when you have major mistakes & inaccurate information reporting against YOU. I would like to share this~ I am more than capable of disputing and handling my credit file ... To clear matters there is absolutely " NO '' third party or credit repair agency speaking on my behalf. I have attached a copy of my hand written letter along with a copy of my credit report/identification/ TransUnion Response. I am requesting my credit report be updated & any *INACCURATE* Information be *REMOVED*
Product: Mortgage

I pay my mortgage through autopay with my bank. The payment is sent out a day in advance each month. In XXXX, 2018 my mortgage payment was sent to Amerihome and received. On that same day, the company reversed the transaction and, instead of posting the payment to my account, sent the money somewhere else. I have spoken to multiple customer service representatives on multiple dates. They have all told me that there is an internal problem, not to worry, and they would fix it. I was told, multiple times, another department would have to review my account, but it should be fixed shortly. I received an email about a month after my last phone conversation that said they had refunded my payment, and I was a month behind on payments. I have reviewed my account statements many times, I have called my bank, and I can not find any refund of my payment. At this point {$1400.00} has been stollen from me. Please help me to correct this problem.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I marked as inaccurate. XXXX XXXX XXXX XXXX
Product: Debt collection

Bullcity/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.
Product: Mortgage

We agreed to a loan modification with Ocwen Loan Servicing , LLC . Our Relationship Manager, XXXX XXXX, was very professional and helpful. Each conversation with him was recorded. He kept us informed every step of the way. He assured us that we would have no balloon payment. He repeated several times that our loan modification was approved without a balloon payment at the end ; the numbers were computed with a lower interest rate. None of XXXX XXXX 's paperwork for our file showed this balloon payment. However, Ocwen has tacked a balloon payment on to our loan despite our being reassured that it was not applicable. Our Relationship Manager has repeatedly requested that the balloon payment be removed from our account. He has gone through every channel he knows, without success. Our conversations with our Relationship Manager were recorded. We are both XXXX and, with current lending guidelines, are unable to refinance to get rid of the balloon payment, or even obtain a loan to pay it. We recently learned that CFPB could help us in this matter, or we would have turned to you much sooner.
Product: Credit card or prepaid card

I have always lived in XXXX. I moved for a XXXX XXXX job to XXXX  in XXXX of 2019. I called everyone of my bills, lenders, etc to give forwarding moving address. I moved to XXXX  and had difficulty with receiving a bill from Capital one. I had already given them the forwarding address. I have other credit cards with capital one, since they have brought out many of my credit card companies. I received all of the bills except one. I called Capital one, and the woman on the phone went through every one of my accounts and could see that my new address had changed to XXXX XXXX XXXX XXXX, XXXX XXXX. On this particular account though the person who had changed the account from Capital one had changed the address to XXXX instead of XXXX. There is no certain address. The USPS did not deliver and sent it back to Capital one marking undeliverable address. It took until I called to find this out. They have the correct address on all my other accounts with them, they have my  phone number, old address which could have been forwarded to me. The woman on the phone assured me that it was their error, that my account had been marked with non payment for XX/XX/2019 and was charged a XXXX late fee. I basically had a fit. I told the lady that I would pay the XXXX XXXX payment, as well as XX/XX/2019 since I was on the phone with her, and the XXXX. XXXX late fee. I pay XXXX total and my account was current. She apologized and stated it was human error. I stated this better not be put on my credit report since I have never been late on any of their payments, I had changed my address and it was their fault for typing address incorrectly. she stated it would not be. I then later applied for credit and learned that it had indeed been reported as an XX/XX/2019 late payment. Now why would anyone pay a XXXX late fee for a XXXX charge. for a credit card that ive always paid on time. Its ridiculous. I will close this account when its resolved because it is bad business. They are falsely reporting and breaking FACRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I completed a CFPB complaint on Lexis Nexis regarding a XXXX public record that is showing on my credit report. This is inaccurate information. Lexis Nexis did not respond to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. 

On XX/XX/XXXX, I completed another CFPB complaint to Lexis Nexis regarding the same issue, a bankruptcy reporting to my report. They claimed that XXXX verified it and that is not true. I have contacted PACER and they do not provide information to third parties whatsoever. 

The following are the laws that were violated : 1. 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 USC 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction.

I contacted the US XXXX Courts and they mailed me back a letter dated XX/XX/XXXX ( see attached ) stating that they do not send information to the credit bureaus. This means that they did not provide Lexis Nexis with information to be reported. 
I also contacted XXXX, and XXXX  also does not provide information to credit bureaus. A screenshot of this directly from their website will be attached. 
So, the claim that it was verified by the US XXXX Courts of XXXX, MD, and XXXX is not accurate. XXXX also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX i tried calling. I dont use XXXX  XXXX  at all. 
I see and inquiry that I didn't do and would like it removed thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

my ex husband has open every possible phone account u can think of from XXXX to XXXX XXXX celluar wireless, XXXX in my name and my daughtere social my business name ported out several linee to ither companys and has cist me thousands of dollars he continues to use my credit cardd as well and my social too plewse help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 15 U.S.C S 1681 E A. States every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 605 s 1681c to limit the furnishing pf consumer reports to the purposes listed under section 604 ( s 1681b ) collection agencies also have violated my rights by contacting me during my working hours and call me from different numbers. attached will be proof of said violations. 

All XXXX credit bureaus have incorrect my name, birthdate and address. I have send certified mail back in XX/XX/XXXX with updated and correct spelling of my name, my correct birthdate and my correct address. Also, sent was my copy of Social Security card, my updated license with my new address. I asked for an investigation none of the XXXX reporting agencies replied nor updated my personal information.
Product: Credit reporting 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. 

XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXXt Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 that records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 causes to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, my wife paid her car loan from our joint account with M & T Bank, which recently bought out our bank her in Connecticut ( Peoples United Bank ). She used the new bill pay app from M & T. The old app added the decimal point to the left of the last two digits input, the M & T app added the decimal point at the end of the digits input. This caused an overpayment to XXXX our loan company of {$57000.00} on a payment that should have been {$570.00}. 

M & T bank never notified us of the overdraft, and we didn't learn of it until receiving the title to the car in the mail. 

We immediately went to the bank on XX/XX/2022 to have the charge reversed and they claimed there was nothing they could do as it was an ACH transaction and we would have to talk to XXXX to get our money back. According to ACH rules, a reversal is allowed because there was an error in the dollar amount. ( ACH Rules Quick Guide ), as long as the bank is notified by the fifth business day after the transaction. We asked for the reversal on the fifth day in person at the bank, therefore there should have been no reason for not reversing the payment. 

I suspect that due to the number of problems they have had with the buy out of our bank and the substantial number of errors they have made, that they told us there was nothing they could do in order to keep their percentage of ACH reversals under the threshold for scrutiny. This may or may not be true, but certainly fits the facts of this case.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage provider does not want to speak with me about the mortgage ; they dismiss my questions and do not want to assist me. I was threatened by a lady from XXXX XXXX  this yesterday morning at XXXX morning from XXXXXXXX XXXX this morning that I must vacate my property next week Monday. I contacted the XXXX Sherriff Dept. During the pandemic, attorneys from HOA were threatening me with Bids XXXX, and now on XX/XX/2022, The paperwork all seemed fraudulent. I have a notice of foreclosure conveyed to XXXX XXXX XXXX sale for {$54000.00}. I purchased the property for {>= $1,000,000}. They are the ones who threaten me to get out of my home. My insurance company informed me that my insurance expires this Friday, XX/XX/2022. I have been speaking to representatives in my area and state and contacting attorneys. I talked to all HOA attorneys and the mortgage company. I thought I was still in forbearance. 
My mortgage provider does not want to speak with me about the mortgage ; they dismiss my questions and do not want to assist me. I was threatened by a lady from XXXX XXXX  this yesterday morning at XXXX morning from XXXX XXXX  this morning that I must vacate my property next week Monday. I contacted the XXXX Sherriff Dept. During the pandemic, attorneys from HOA were threatening me with Bids XXXX, and now on XX/XX/2022, The paperwork all seemed fraudulent. I have a notice of foreclosure conveyed to XXXX XXXX XXXX sale for {$54000.00}. I purchased the property for {>= $1,000,000}. They are the ones who threaten me to get out of my home. My insurance company informed me that my insurance expires this Friday, XX/XX/2022. I have been speaking to representatives in my area and state and have contacted attorneys. I talked to all HOA attorneys and the mortgage company I forbearance. And I notice that they are getting hostile in the area I reside in XXXX XXXX, North Carolina.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX Dear Who ever this concerns, On XX/XX/XXXX I Disputed XXXX Account # XXXX through the CFPB portal case # XXXX, because I thought this account should report as an installment loan instead of a revolving account. I was incorrect and XXXX VERIFIED this account 100 % and mailed me the original contract that explains it would be an revolving credit card account. 
However, EQUIFAX decided to REMOVE this entire account from my credit report although XXXX has VERIFIED this account and without my request. No other credit bureau has done such a thing. 

I have reached out to Equifax multiple times and XXXX multiple times and the account is still not reporting to my Equifax file. I have paid this account and would appreciate if it could reflect my payment history greatly on my Equifax file. 

Equifax claims it's an issue with XXXX, XXXX claims it's an issue with Equifax. I AM FED UP WITH THE IGNORANCE! I DEMAND THIS TO BE FIX WITHIN THE NEXT 30 DAYS! I NO LONGER WANT TO BE THE MIDDLE MAN BETWEEN THIS ERROR, I DEMAND XXXX AND EQUIFAX CONTACT EACH OTHER DIRECTLY! 

XXXX RESPONSE : CFPB Case number # XXXX. 
Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your XXXX XXXX XXXX account. Your correspondence expressed concern that you would like for your XXXX XXXX XXXX account to be reported as an installment loan rather than a revolving line of credit. Our records indicate that on XX/XX/XXXX you opened a XXXX XXXX XXXX   account to finance a purchase in the amount of {$2400.00} with XXXX XXXX XXXX. The XXXX XXXX XXXX account is a revolving line of credit that can be used to make additional purchases with XXXX and accordingly is reported as such with the credit bureaus. Please note that prior to accepting the offer of credit you were presented with the terms of the account, including the credit limit and the cardholder agreement, which discloses that this account is a revolving line of credit. Please note that you may pay more than your required minimum payment at any time to reduce the outstanding balance that is reported to the credit bureaus. We hope this explanation addresses your concerns. Thank you for being a valued XXXX XXXX XXXX customer. Sincerely, XXXX XXXX On behalf of XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX is the creditor of the XXXX XXXX XXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reported Personal Finance Company, now known as Mariner Finance in regards to their handling of a personal loan I had with them. They had agreed that if I paid their offered settlement amount, they would delete ALL negative reporting history and late payments reflecting on those accounts from my credit report. 

I paid the offered settlement amount over the phone after speaking with one of their representatives about what they had offered through their response to my complaint. They agreed that the actions promised would be taken. I made certain to have the rep confirm that the late payments would be deleted from my report right before providing my credit card information to make the settlement payment. She agreed this would happen and so I made the payment. 

Despite all of this, Mariner Finance has lied and did not remove the late history for this account from my credit reports as promised. I have in writing from them where they said this would happen and attempted to dispute this with the credit bureaus and Mariner Finance still refuses to do what they promised to do. Not only that, but they changed the status of the account to a charge-off, after I had paid what they asked. This is completely unethical and horrible treatment of the customer. 

I have attached a copy of their original response to my first complaint that shows where they said they would remove the late payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCOUNTS LISTED THAT SAY INCLUDED IN CHAPTER XXXX. ALL OF THESE ARE NOT ACCURATE AND NEED TO BE DELETED. I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU. 
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED. 
I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian on XX/XX/XXXX via certified mail. The certified mail was delivered on XX/XX/XXXX. I logged into Experian today and I noticed that theres no dispute initiated. Experian has cause me extreme anxiety because i am in the process of getting a refinance on my house and Experian is reporting incorrect and unverifiable late payments on my credit report. I have attached the dispute that was sent and delivery confirmation form USPS
Product: Credit card or prepaid card

I paid {$3000.00} on my balance on XX/XX/XXXX. The money was taken out ( deducted from my bank balance ) the next day. The amount came off of my credit card balance two days later, but did not get added to my available credit. I called, and they told me it would not be available until XX/XX/XXXX. I have been doing this for YEARS and it has never taken longer than a couple of days, and often it happened immediately. I had planned on using this card ( it is a Cashback MasterCard ) to pay several bills, including an arrearage on XXXX that had to be paid by today, XX/XX/XXXX or my coverage will be cancelled. Now I am going to lose XXXX, which, when reinstated, will cost me a lifetime penalty added to my premium. I also have utility bills ( that I have been paying with this card for years ) that are due before XX/XX/XXXX. 

I have been noticing many problems with bank transfers taking an inordinate amount of time to complete lately, but this does not seem to be that. They RECEIVED the money. They took it off my balance. I don't understand why they aren't adding it to my available credit. 

If I had known they were going to do that, I wouldn't have paid the second payment ( I paid {$1000.00} the day before, and it was credited IMMEDIATELY, I paid the extra {$3000.00} specifically for the XXXX payment ), and paid my bills directly from my bank account instead. I was not warned that this would happen, and I can't find anything in the terms and conditions that mentions it, so I believe I have been treated unfairly.