23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

BBVA Compass has been terrible to work with since they changed our mortgage conditions XXXX days before closing on our loan XXXX years ago which almost prevented our closing. As a result, we are paying off our mortgage early to not have to deal with them anymore. 
They are again consistent with their poor service that we have come to expect. We paid off the loan on XX/XX/XXXX ( it is now XX/XX/XXXX ) and still have not received confirmation that the loan is paid in full. Surely it does not take almost a month since we wired the money to their payoff instructions. 
I would caution anyone who is thinking about a mortgage with BBVA Compass to look elsewhere.
Product: Credit card

There is a past-due payment recorded on XXXX and Equifax of a balance of {$0.00}. A {$0.00} past-due balance is ironic, this means I have no past-due balance. On XXXX, there is no such remark, and my payment history is perfect. You can see even on equifax and transunion records themselves it says {$0.00} past-due. The inconsistency of these bureaus are so obvious, as for equifax, on their website it says my XXXX is 60 days past-due, and on their mobile app it says 30 days past-due. And on both, it says there is no recent delinquency! Each month 's credit report has different things to say. I have called at least XXXX times and disputed 5 times through Equifax and 3 times through XXXX, and all representatives found it peculiar that the past-due balance was {$0.00}. 

The reason behind this issue I believe : My XXXX credit card had autopay turned on and never turned off. On XX/XX/2023, I got a notification that there was a past-due payment on my account, and my credit scores from all XXXX major bureaus dropped immediately. I called XXXX right away and asked about the issue and they said there was a {$6.00} past-due balance. This was very strange as I never turned off auto-pay. It was later I found out through XXXX and later confirmed by a representative of XXXX, that XXXX XXXX XXXX ' autopay gets automatically XXXX after 6 months of no use of the card. THIS IS RIDICULOUS! and the representative agreed that this is not my fault and therefore dispute it and remove the record off my account. 

The next day, XXXX and Equifax took it off my record and my credit scores were recovered. I was still waiting on XXXX. 

XXXX, Equifax rolled back on that decision and dropped my score again with the record back on their file. However, the only record they had was that there was a late-payment and the late-payment amount was {$0.00}. The account status was " in good standing ''. When I called the XXXX line they said XXXX did not provide them with enough paperwork to reverse the record, which was very weird considering XXXX was fixed and never rolled back. 

So I have a record on late payment of {$0.00} that is affecting my credit score with no reasonable person to talk with on equifax or transunion other than the offer to just file yet another dispute, which I know will be ruled against, despite the obvious fact that the late amount due is {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$2900.00} XXXX XXXXXXXX XXXX BALANCED {$890.00} XXXX XXXXXXXX XXXX BALANCED {$800.00} XXXX XXXX BALANCED {$1100.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX RE : Account Number XXXX Dear Sir or Madam, I am writing in response to your collection notice regarding a debt from XXXX XXXX XXXX XXXX XXXX for {$1300.00}. According to your notice, this debt was incurred on XX/XX/XXXX and is currently in collections. 

However, I would like to dispute this debt on the grounds that it was included in my XXXX XXXX bankruptcy, which was discharged on XX/XX/XXXX. The debt in question was discharged as part of my bankruptcy and is no longer owed. 

Please see attached bankruptcy documentation that demonstrates XXXX XXXX XXXX XXXX XXXX was included. I have reported to the FTC that you cease all collection activities. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Bank account or service

On XXXX XXXX 2016, about a month ago, a friend of mine and I went to an estate sale. We purchased a file folder case that contained some miscellaneous papers and also had some XXXX money in it. We took the money to Wells Fargo to see if it had any value. They looked it up and said, " This ca n't be right, can you come back tomorrow with the money when we can verify for sure that it is correct ''. 

So we brought the XXXX bills in the following morning and met with the bank manager and two ( 2 ) other bank employees. After consulting with others on the phone and amongst themselves, they came back and informed me that the money was real and had a value of {$9200.00}. I asked them to please double check and make sure that it was indeed that valuable. I explained to them that I did not want to find out later that it was a mistake. They informed me that they had indeed double checked and actually had triple checked that the money was real and had value. They deposited the amount to my account on XXXX XXXX, 2016. 

Now after three and a half weeks Wells Fargo contacted me this and told me that the XXXX money I gave them have been taken out of circulation. They now are demanding that the money be returned to them. 

In no way did I misrepresent the acquisition of the money or its value. I did not fraudulently represent anything about this situation. Wells Fargo is a very large bank that has branches all over the world. Wells Fargo is the self proclaimed money experts, so who better to take the money to. Even before I went in to the bank, I contacted them by phone to verify that they did currency exchanges, which they did. On XXXX XXXX, 2016, Wells Fargo took out the {$9200.00} from my account leaving my account overdrawn by {$1000.00}. I got a call today from Wells Fargo asking me to pay the overdrawn amount today. They already took every XXXX in my account and now they want me to pay more to cover their own mistake. We have made decisions of how to spend this money based on it being ours. We put money towards the escrow for a land we 're hoping to buy. And because of Wells Fargo 's wrong doing we may lose the escrow money and the land. 

I do n't get the privilege of going back and undoing all my mistakes. Do I have to let them?
Product: Credit reporting or other personal consumer reports

Credit reporting agencies along with the companies listed on my document all continue to misrepresent my profile with false data. Time and time again I send letters auditing them showing and proving violations with the laws listed and they fail to properly service my requests along with delete tradelines that show inaccuracies.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested debt validation which has not been provided to me. Since they have failed to provide proof that this debt is mine or that they even have authority to collect said debt, I would like for them to remove this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.
Product: Credit card or prepaid card

In XXXX, I opened an account with Fortiva through XXXX to pay for a big ticket appliance. The terms of the account were satisfied in XXXX and I never used the card again. I received in the mail a credit card from Fortiva, with terms and conditions I never requested nor agreed to. I was notified of this through another lender of mine who advised of new accounts on my credit report. My credit score also had decreased.

I contacted Fortiva on Monday 8/21/2023 to advise I never requested nor authorized a credit card to be issued in my name. The agent I spoke with XXXX, offered an apology and advised he would close my account. 

On XX/XX/XXXX I received an email stating that I was notified via email a few months back that I didn't opt out of the offer, and therefore they issued me a card. It appears I closed the account, however I take issue with this as I never gave express permission for an account to be opened. I understood that it was illegal for a company to open a credit card account without permission of an account holder. 

I request that Fortiva do what ever necessary to undo the actions they have taken and report that they opened a credit account in my name without my permission to all three credit reporting agencies. 

A financial institution should not be permitted to reserve the right to open accounts in a consumers name, just because that consumer previously did business with them! 

In my original terms with fortival, it was an installment-type of loan in excess of two thousand dollars, to cover the costs associated with the purchase of a kitchen appliance. The interest on that initial loan was high- XXXX XXXX. The interest on this credit card they opened without my permission is is XXXX XXXX. The credit limit issued was {$1000.00}. Fortiva claims this was an upgrade from my account through XXXX. How is this an upgrade? 

I have faced penalties and consequences from my authorized credit card companies who have since reduced my available credit by thousands of dollars citing that "... too many new credit accounts have been opened in my name. ". 
I am very disappointed in the actions by Fortiva in taking steps I did not authorize that led to a drop in my credit score and my available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies has violated my rights. 
XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 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.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  and I did not open these accounts ( XXXX, # XXXX ). I requested that XXXX XXXX XXXX XXXX remove these accounts from my credit report. I also requested that XXXX XXXX XXXX strong stop reporting information to the credit bureaus on my behalf because I did not give my written permission for any information to be shared on my behalf. 

Enclosed is a copy of my XXXX XXXX  Report number : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account ( XXXX, # XXXX ) XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions XXXX also contravene the Consumer Protection Act ( XXXX ) XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request the CFPB take action to ensure Equifax compiles with federal law and provides consumers with the necessary proof of investigation. 

Below are the accounts that are inaccurate. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 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 shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
Product: Bank account or service

I was contacted by email from someone to advertise a sticker on my car and he sent me a cheque but when I deposited the check on  XXXX / XXXX /   2017 I   was confirmed by my bank Chase that it will be verified and clear good in 24hours, which they did in the next day, but on the  XXXX / XXXX /   2017 I w as told to send the money overnight as Money order to an address so they can put the sticker, so I cashed the check even my account did n't have the funds before the deposit but my bank gave me the money in cash without telling that they ca n't since the cheque was not clear or I do n't have enough funds. and I sent the money, but on  XXXX / XXXX /   2017 I re ceived a notice from my bank that my account is overdrawn by the amount of the cheque which is {$2900.00} because the cheque was returned.   the bank froze my account and told me they do n't want me as a customer anymore after I deposited more than the overdrawn amount.   I feel I was mistreated by my bank by not being clear and fair. they should of known the cheque is no good and waited to clear the cheque before giving me the cash.   I did file a report to FBI about the scammer.
Product: Credit reporting or other personal consumer reports

This is about the inaccuracy this is inequitably furnished by your organization on my consumer report. You company is continuing to furnish this inaccurate account on my report. It is not assuring maximum possible accuracy. I have disputed this account several times with your company and you are continuing to furnish this inaccurate account. You are in violation of many of my FCRA rights. I demand that you delete this account from consumer report as you have been notified many times that this account is inaccurate and have not conducted a reasonable reinvestigation to assure this account is reporting accurate. You have caused severe damage to my reputation and borrowing power as a consumer.
Product: Student loan

I paid off my student loans- the last check I wrote was for {$2700.00} ( payoff amount ). Check Number XXXX. The check was cashed and posted to my bank account XX/XX/2023. Since that time, EdFinancial has failed to update my outstanding balance to XXXX. As of XX/XX/2023 it still shows I owe {$2700.00}. I have called multiple times, sent a letter with a copy of the check, created countless requests with EdFinancial. I don't owe them any money, I paid it all off!
Product: Debt collection

Portfolio Recovery is reporting to the bureaus and attempting to collect debts that are time-barred and/or settled with original creditor. I received an invoice attempting to collect {$3500.00} on behalf of XXXX XXXX. This account was closed in XXXX and they, 10 years later are sending me an invoice to pay. The other two accounts, both of them XXXX XXXX were settled/paid with the original creditor in XXXX. 

In all, PRA is attempting to collect roughly {$5000.00} for accounts that are time-barred and/or paid. I want all three accounts removed from their database and from the three credit bureaus.
Product: Debt collection

A statement admitting whether AMERICAN EXPRESS is the holder in due course or whether AMERICAN EXPRESS is a servicer. A statement admitting whether AMERICAN EXPRESS sold my note in a pooling or servicing agreement. This is also known as securitization..
Product: Credit card or prepaid card

Hi there are XXXX charges from " XXXX XXXX # XXXX '' on XX/XX/29 {$2700.00} + {$120.00}. These charges are fraud/ i never purchased anything at XXXX on these dates. i disputed these charges with Chase by phone by calling XXXX. Chase first refunded the charges but later on reinstated them claiming that the charges are valid. 

THIS CHARGES HAS NOTHING TO DO WITH ME AND ARE 100 % FRAUD.
Product: Credit card

I order XXXX shirts from XXXX, the good delivery date was late and it was beyond my expectation date, I cancelled the order to XXXX but I did not get the response from them, the good was still delivered to my home 3 weeks after I cancelled the order.I returned the shirts to the merchant. It was delivered/was returned to the vendor on XX/XX/year>. XXXX is on behalf of the vendor, charge me {$270.00} stating the merchandise was delivered to me on XX/XX/year>, which is not the true facts. XXXX declined my charge dispute. I would like to have my money back, besides, the vendor is selling the fake clothes, that s not XXXX, it is XXXX  shirts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and natural person. I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XX/XX/2022 and they have failed to show proof & record of a credit application or my written authorization to review my credit files XX/XX/2022. I am receiving adverse action letters and 8 hard inquiries on my credit report from various financial institutions. Who have also showed no proof and direct me back to the dealership.
Product: Mortgage

Hello, I am having issues with NewRez Financial regarding my Escrow account. This is not the first time we have encountered such a challenge. In XXXX of last year wqe filed a CFPB complaint ( Complaint Number XXXX ) about a sudden major increase in our mortgage due to a claimed shortage in our escrow account. There was found to be a missing check from our escrow account from our previous hazard insurance company, but despite sending them the check there was still a difference. After going back and forth with the Agents ( I was told about 5 different amounts I was going to have to pay to make up the difference ), one Agent finally found the error, and managed to bring my payments from over 2500 a month ( as originally quoted ) to around {$2400.00} a month. This is still a large increase from the {$2200.00} we had paid to our original lender. 

Earlier this month, I received another notification that there was a " shortage '' in our escrow account. Now, we have paid extra for the past 12 months to cover the shortage which existed before. There are no increases to our hazard insurance, and there is no increase to our property tax. NewRez claims there is a {$2000.00} shortage for the next 12 months, which would increase my monthly mortgage by another {$170.00}. Upon review of the statement, the only difference I see in the expenses is a DECREASE in my Hazard insurance from {$2900.00} to {$2800.00}. I do not understand how there can be a shortage after paying all year to catch up from a shortage before ( while still paying my current escrow amount ). I am including a copy of my original Guaranteed Rate mortgage statement showing our escrow amount, as well as the most recent escrow analysis received from NewRez. As with my other current complaint, I have made numerous attempts to contact NewRez about this, however they have shown to be incredibly difficult to contact, with calls terminating, and hold times exceeding 2 hours on occasion. 

I understand there will be variances, and slight increases from year to year due to changes in taxes and hazard insurance, but nearly {$5000.00} in two years is an awful lot of shortage to happen. If this is the case, there needs to be better fiduciary management on their part to make sure people stay on track, and aren't stuck paying " shortages '' for the duration of their mortgage.