23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About a year ago I was paying off old debts and Pressler and Pressler had 1 of my debts. I called them to pay off one of the debts which I had known about. While talking to them they notified me of another debt that they had of mine. I told them I never opened that account and I never made any purchases with said account. They asked me if i wanted to dispute it and I said I did. Then they told me I would need an affidavit of fraud and a police report in order to do so. In the last year i havent gotten around to doing the affidavit of fraud or police report.

2 Weeks ago I had a levy of {$830.00} placed on my savings account. It was done so by Pressler & Pressler for XXXX XXXX XXXXl. The address they provided to the court was XXXX XXXX XXXX XXXX, NJ. I havent lived at this address in over 12 years and they had my current correct address on file bc I paid a debt just a year ago for XXXX XXXX  for {$320.00}. Since I wasnt recieving any letters from the courts or law offices I wasnt able to answer them so they were able to get a judgment on me.
Product: Mortgage

Weichert financial services has an online way to pay your mortgage. The first time it malfunctioned they convinced me I made the mistake. Simply put the payment I submitted did not 'take ' they admitted they could tell I was online and then reprimanded me for not making sure I got a confirmation email. These emails could take up to a day with the old system and i reluctantly paid the fee. After they modified the site a similar thing happened, this time I went in to overpay to pay down principal however after i submitted the over-payment I realized not only would there be a delay in a coming deposit but also another bill that had a pending outgoing payment. I called and spoke to an agent that informed me that I could do this from the site I asked her to remain on the phone while i cancelled the payment I has just set up, she did, I went through all the steps that not only she told me to do but were part of cancelling this online. I got an onscreen message that said the payment had been cancelled was overjoyed told her I was sorry for bothering her and if i knew it was that easy I would n't have made the call. The payment went through and I got charge fees on both ends. When I called the next agent at first admitted she could see I had been on line and what I did when I was there but as soon as i complained about the payment attempt despite cancellation she clammed up and told me it was my fault for not getting a cancellation email. I told her I got the message online and did not know it was to be accompanied by an email once i received online verification. She then told me that the only way I would get a refund was if I could produce the email which I never received. I told her the mistake was in their system and she had the audacity to stand by the error they made then ask me how getting upset was helping me. This happened last summer and they still refuse to cancel the charge. I have been late I have overdrawn and I pay those fees with no problem when I make the mistake but to make me pay for an error in their system is unconscionable. I want this fee refunded as they processed a payment they were not authorized to process
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX WORKS FOR XXXX WHO BOUGHT THE ACCOUNT FROM XXXX  XXXX. THEY ARE KNOWINGLY AND FALSELY REPORTING INCORRECT ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS XXXX, TRANS UNION AND XXXX. XXXX XXXX REPORTED THE ACCOUNT WAS OPENED ON XXXX, XXXX XXXX  XXXX IS REPORTING THE ACCOUNT WAS CLOSED ON XX/XX/XXXX. XXXX REPORTED THE ACCOUNT OPENED ON XXXX XXXX XXXX. THIS IS A COMPLETE LIE AND TOTAL FRAUD.
Product: Credit card

Bank of America is not correctly allocating payments on their credit cards that offer multiple promotions on one single credit card. BofA does not show on the statements the minimum balance due for each of the multiple " balances '' on a single credit card : E.G. On my one credit card, there is a " Purchases Balance '' and a " Balance Transfer Balance '' and a " Direct Deposit Balance ''. Instead BofA shows just One minimum balance due. This is Not transparency. When I make a payment on the card, I pay above and beyond the " one minimum balance due amount shown ''. The excess payment is supposed to be allocated to the three balances in a certain order, but it is not clear from the statements how that is happening and it appears that it is inaccurate. When I spoke to a manager at BofA about it, she said multiple people complain about this all the time to her. She said the statements show " average daily balances '' so it is not possible for me to reconcile my account on my own. I have to " trust '' BofAs math. She told me the min balance due does not actually pay off all minimum balance due on the 3 balances, but instead gets applies to one of the promotional balances. When I did the math, it did not add up that indeed even that one promotional balance was receiving the " min amount due '' which is when she explained that was due to average daily balances being shown on the statements. So the balances shown on my statement are not in fact the balances at the end of the period, but " average daily balances ''. How can I reconcile my accounts if I do n't have accurate numbers? One customer rep told me none of the excess payment was going to purchases. The manager told me that the excess payment is going to purchases. I spent about 2 hours on the phone talking to multiple reps. I can not get a straight story and I can not reconcile my accounts. It appears my payments are not being properly allocated and the statements I receive make it impossible for me to reconcile. And Bof A knows that. The manager told me that there was nothing she could do, that is just the way it is. The fact that the " min amount due '' payment is not in fact paying my purchases down, means BofA has come up with a method to make as much money off me as possible with as little transparency as possible, and with no way for me to actually check for myself how the payments are being made. I do not Trust Bank of America 's calculations and there is no way for me to check them. This is predatory and exploitative.
Product: Mortgage

To whom it may concern my name is XXXX XXXX and Im hoping I will be able to get some help because I am at my wits end. In a nut shell Ive had Ocwen mortgage company for about 15+ years I have always paid my mortgage every two weeks for two reasons first because I would not be able to afford the whole thing once a month and second because then it cuts your mortgage time in half from 30 years to 15years Now Ocwen was bought out by PHH mortgage services I was informed at that point that I should not send anything to Ocwen , to put my new mortgage companys address into my XXXX XXXX XXXX online bill pay which I did. 
I send {$510.00} every two weeks to the new address have never been late with the payment in my life. Now I start getting these letters from the new company first telling me they dont do this bimonthly billing I am going to be sent to the creditors theyre showing me I owe thousands of dollars which I dont. 
Then, I get another letter saying that they do have a flex pay program but it has to be on their terms the two times of the month that they want it to be and it has to be directly taken out Of my account and each transaction is {$2.00} which is XXXX dollars a month which is a joke and unaffordable I am XXXX years old on SSI less than a thousand a month and take care of my XXXX year old mom am terrified now that this new mortgage company took over that I will not be able to keep my payment schedule that I have had for over 15 years now and I am just so scared now that PHH will not work to help me keep things as they have been and that I may at some point lose my home. 
Please I am begging, is there anything that anyone can help me with to get this resolved before it is too late? 
Thank you so very much in advance for even reading this XXXX
Product: Prepaid card

My wife and kids gave me a {$500.00} Paypal gift card for my XXXX Birthday. Went to cash it two weeks ago and there was no money on the card.
Product: Mortgage

My 7/1 adjustable rate mortgage was transferred to NewRez Mortgage XX/XX/XXXX. The previous service provided adjusted my rate for the first time on XX/XX/XXXX up .75 % to to 4.5 % based on the original loan terms. The previous provider based their adjustments on the LIBOR index. 

I have called NewRez several times to understand how future rate adjustments could occur. Most mortgage market indexes have trended downward, NewRez has not responded to my inquir

y on 1. how rate adjustments occur? 2. what is the current state of adjustable rate mortgage? 3. how can I initiate a rate adjustment to lower my interest rate? 4. what in
dex does NewRez base it 7/1 Arms?

Please advise. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over checking credit to be approved for loan for pasional use
Product: Debt collection

This collection for XXXX came on my credit report recently. I never received a bill for this so I would like it removed from my reports
Product: Credit reporting

On XX/XX/2017, I reviewed my credit report with Transunion and noticed several accounts and inquiries were removed off my report. Not only were they added back on, they are reporting negative. I did not receive a notification of any kind that all of this was going. I called and spoke with XXXX supposedly the supervisor in the special handling department. She was very rude and determined that I fax in proof. I 'm in the process of repairing my credit to buy a home, and I can not afford them picking and playing with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not request any loans and do not authorize any pulls of my credit from this company. Please remove inquiry. I have contacted the bank and they have no record of my inquiry.
Product: Student loan

On XX/XX/year>, I consolidated my federal student loans with an interest rate of 5.5 %. However, after a recent transfer of my account to MOHELA 's new portal, my interest rate increased to 5.75 %. This is before the 0.25 % auto-pay deduction. They need to retroactively change my account back to 5.5 % since that is what is listed with the federal government.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2025 Subject : Request for Deletion and Blocking of Accounts Due to Data Breach - 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of the recent data breach and to formally request that all accounts linked to my name, as outlined in your records, be blocked and deleted in accordance with 15 USC 1681c-2 ( a ).

As per the provisions of this law, I am requesting that you take immediate action to block and delete any and all accounts that were exposed during the breach, as well as any other related information that is now compromised. This includes, but is not limited to, any fraudulent accounts or personal data that may have been misused as a result of the breach. 
Please confirm in writing that these actions have been taken and provide me with any relevant documentation. If further verification or identification is required to process my request, kindly inform me of the necessary steps. 
Thank you for your prompt attention to this matter. I trust that you will act swiftly to protect my rights under the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Capital one Auto Finan Account # XXXX has violated my Rights. 
15 US Code 1681 c2a consumer reporting agency shall block the reporting of any info in my file that I did identify as a reusult of identity theft no later than 4 days after the receipt.

it has been over 30 days and you are in violation of this law because I am a victim of identity theft.

I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. NO Consent IS IDENTITY THEFT, As a consumer i am demanding deletion immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting false information about my accounts ; my payments and dates, and amount of my loans and credit. They are reporting my XXXX hasn't been paid since XX/XX/XXXX ; I am current and up to date with XXXX  and I have proof. And I would like to add XXXX more thing. XXXX doesn't report to Experian about my monthly payments. My XXXX bill is current and up to date I have proof. Experian is reporting i had not made a payment since XXXX XXXX. My XXXX card ; Experian is reporting that I have not made a payment since XX/XX/XXXX. And they claim I need to make 3 more payments before they can give me a boost in my credit. Which I have proof is current and up to date. Experian webpage reports my credit is XXXX however my XXXX XXXX is reporting XXXX. My XXXX XXXX is reporting XXXX and they are all getting their information on Experian and i Have proof. My XXXX XXXX account XXXX XXXX of {$17000.00} Experian is reporting it as {$18000.00}. They have inconsistent report of wrong information on my account. I would appreciate it if you could look into this for me and correct all the incorrect information they fail to accurately report which is affecting my score as a Consumer.
Product: Debt collection

I am reaching out as a victim of identity theft and to dispute all accounts that has been fraudulently opened in my name. This account is not mine, and I am requesting that it be promptly removed from my credit report. I was XXXX Unfortunately in XXXX to XXXX, & my purse with all my personal information was stolen while I was Away & Came Home With My Credit being Used & Stolen
Product: Credit reporting or other personal consumer reports

I have numerous inquiries reporting to my credit file that i do not recognize and need removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHED IS FTC REPORT
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I bought a new vehicle and the lender ran a credit check for my loan. It was complete, I bought my vehicle, and I thought all was done. Then, on XX/XX/year>, I found that the same lender ran another hard credit check on my report without permission or even telling me that they had done so. This lowered my credit score unfairly because the credit checks were separate and too far apart. The company financial department hasnt returned my calls.
Product: Bank account or service

I provided several do not call requests to Regions Bank over the last few years. I am continuously told the only # that they are able to call is my mobile as I requested. However they have contacted my sister, mother, and XXXX year old grandmother, notified them that my account was in bad standings and have not contacted me directly neither in writing or by phone on the " only number they can dial '' as they 've told me multiple times. This is not the first time they have done something like this nor is this the first complaint I 've had to submit regarding Regions continuing to do what they want. I 've spoken to supervisors, managers, and even a regional manager, yet this continues to happen.
Product: Credit reporting or other personal consumer reports

I formally dispute the 30+ day late payments reported for XXXX and XX/XX/XXXX under 15 U.S.C. 1681s-2 ( a ) ( 1 ) and XXXX XXXX XXXX These entries are inaccurate due to : XXXX. XXXX XXXX XXXX XXXX Deed of Trust XXXX XXXX ( Page XXXX ) : " Payments shall be applied first to interest, then principal, then escrow '' XX/XX/XXXX Statement Shows : XX/XX/XXXX Payment Received XX/XX/XXXX : {$6200.00} XXXX XXXX XXXX XXXX  XXXX  : {$5700.00} ( {$2000.00} principal XXXX  {$3700.00} interest ) Improper Escrow Allocation : {$470.00} XXXX XXXX misapplied {$470.00} to disputed escrow charges rather than XXXX XXXX XXXX XXXX, creating artificial delinquency. This violates XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requiring proper payment application. 
XXXX. Texas Insurance Code 557.105 Notice Defect The bank : Backdated force-placed insurance to XX/XX/XXXX Sent first notice XX/XX/XXXX ( XXXX  days post-backdate ) Charged {$5600.00} for 184 days of invalid coverage This violates XXXXXXXX XXXX 14-day pre-placement notice requirement, invalidating the escrow charges used to justify payment diversion. 
XXXX. FCRA 623 ( a ) ( 1 ) ( B ) Non-Compliance XXXX XXXX failed to : Note active insurance dispute in credit reporting Conduct reasonable reinvestigation per XX/XX/XXXX XXXX  response Correct misapplication per XX/XX/XXXX FDIC complaint reply Enclosed Documentation : XX/XX/XXXX statement showing {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX denial letter ( FDIC Ref # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX excerpt Demanded Actions : Delete XXXX and XX/XX/XXXX late notations Update account status to " Current '' Provide written confirmation of corrections Per FCRA XXXX, you must complete the investigation within 30 days. Failure to correct will compel CFPB/XXXX  complaints for willful non-compliance under 15 U.S.C. 1681n. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This is the XXXX time I have submitted a complaint about applying for the Apple Credit Card, GM Rewards, and GM Business Rewards. Every time I apply I get a message to upload my driver 's license, I have been doing it. After several days I got the same message : Unable to verify identification information. I have been calling and calling and they don't tell me what this message is about. As I understand is that they can't verify my driver 's license. I keep uploading the same picture because is my driver 's license. I don't know what else to do and they are not giving me any more information. In the last XXXX complaints, they have responded the same, that they found some red flags but they don't tell me what, they haven't called me or anything. I need an explanation as to why this is happening, I will also upload a picture of my driver 's license. I will also include a picture that they are approving me.
Product: Debt collection

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have received print out of my New XXXX XXXX report from trans union which Cfpb services assistance verfiies attorneys regarding on going complaints dispute after l provided information no changes on the credit report transunion will be expose how horrible there reports companies attached information is still showing on my transunion report which been disputed since XX/XX/year> Companies XXXX XXXX Account XXXX not mine account XXXX XXXXXXXX XXXX XXXX Account XXXX Not mine account XXXX  XXXX XXXX Not mine account XXXX XXXX XXXX XXXX XXXX already information doesn't match ( XXXX XXXXk ) Identifications Wisc been sent Threw cfbp XXXX XXXX XXXX XXXX didnt match remove it XXXX Information been provided removed this from off my account Accounting XXXX XXXX  XXXX Delete information don't match Wisconsin drivers license XXXX  XXXX XXXX  Delete XXXX XXXX XXXX Payment history not accurate Delete information
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration with your failure to resolve the ongoing issue regarding unauthorized and invalid hard inquiries that remain on my credit report. As I have previously stated, I did not authorize these inquiries, and their presence on my credit file is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on the followin date XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properlyafter I asked you to do it XXXX  and your neglect has violated my rights. I am demanding a deletion of the following account XXXX  aacount number : XXXX Attached is a letter sent by XXXX so that the negative can be removed or the account can be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX ( XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

15 U.S.C. S 1692c ( b ) : a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. "
Product: Mortgage

Discrimination, harassed, treated poorly and humiliated over several months by several representatives at Wells Fargo. 
They mis represented themselves, lied and tried covering up. 
My request for a refinance was made almost impossible and they threw in a Home Equity loan, but never explained costs until closing on the mortgage and forgot to give me a HUD report for the equity loan. 
Each agent was rude, mean and demeaning and got angry with me on the phone. 
I am XXXX, have a pension, XXXX and not physically well.
Product: Debt collection

On XX/XX/2021 I paid my co-pay of {$50.00} to XXXX online. A month later I got a collections agency bill. I then sent a fair debt collection practices act to confirm the debt that is owed currently I received a letter today stating I still currently all the debt Which I paid back in XXXX.