23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transfered from XXXX, to XXXX XXXX XXXX and then to ( my current ) Mr Cooper. On XX/XX/XXXX, I made XXXX XXXX payment to XXXX XXXX. I soon after received a notice that loan was being transferred to Mr Cooper and that payments made up to two weeks before XXXX would be forwarded to Mr Cooper. I tried to make a XX/XX/XXXX payment with Mr Cooper on XX/XX/XXXX but Mr Cooper said my account would not be set up until XX/XX/XXXX so I made the payment to XXXX XXXX  to avoid any late payment on XX/XX/XXXX. On XX/XX/XXXX I made my XX/XX/XXXX Payment to Mr Cooper. I was then notified that I had missed a payment ( the XX/XX/XXXX payment that went to XXXX XXXX ). I have called them at least 10 times to get this corrected I have exchanged several emails with them ( Mr Cooper ) I have sent them PDf from my bank checking account showing that they ( or XXXX XXXX ) got the money from my account. They agree that they got the money but THEY CAN '' T FIGURE OUT WHAT THEY DID WITH IT so they cant correct my account until they find they error.
Product: Credit card

I purchased a wig from a wig merchant for XXXX in XX/XX/year>. Two months after my purchase, the wig fell apart despite being advertised to last 5 years and after being repaired twice. I tried to return the wig to the merchant and they refused, so I disputed with my AMEX. When filing the original dispute, I was never prompted to upload any documentation and only given a text box to describe my issue. Without asking any more information from me my dispute was closed, citing that the merchant claimed I violated " Terms and Conditions '' by putting lace melting spray ( an industry used wig adhesive ) on the wig and that they offered to repair the wig -- which was included in a PDF the merchant sent. However, it is clear that AMEX did not actually look into the dispute details because part of the screenshots the merchant provided were not even from me- it was from a customer with the same issue ( page 28-31 on the document entitled Merchant dispute document ), and the terms and conditions do not state anywhere to not use lace melting spray ( Merchant dispute document pages 4-5 ). During the reopening of the disputre, AMEX called me once asking for more information for the dispute, and I had missed the call and tried calling back 4 times and left a message every time. I never spoke with anyone after that before they closed the dispute. I believe AMEX did not actually look into the dispute or they would have seen that merchant 's arguments were not valid to my dispute, which was I had been sold a faulty product. I have attached the merchant 's dispute argument and what I had submitted to AMEX which was never addressed before the dispute was closed out. I look forward to hearing from you.
Product: Credit card

I saw on my credit report and closed account from XXXX  XXXX  appear a Credit card and i never has any XXXX XXXXXXXX card
Product: Credit card

I have a credit card with wells Fargo bank. I have been having a little trouble paying as have lost my husband as well as loss of income, but retained the debt of 2 people. Have written several letters asking for the opportunity of a discounted pay-off.Only to be told that they do not do anything in writing. I truly did not know that. So they proceeded to pull a dollar amount from my checking account.leaving it overdrawn and leaving me with overdraft fees. Only to inform me they did not charge it off expecting more XXXX
Product: Debt collection

There is an app, company called Revolut and Ive been current on the payments Within 30 days. 

However, on at least four occasions they have sent a debt collector called Real Time solutions, Inc to collect. They claimed they have the right to collect payments, but they are not 30 days overdue every month. 

They are harassing me and using scare tactics for no reason.
Product: Checking or savings account

The letter dated XX/XX/XXXX, states that " ... in XXXX, due to account mismanagement, Capital One made the decision to terminate the banking relationship. '' and that " the account '' was closed on XX/XX/XXXX. To the best of my knowldege not only I had excellent credit then, but I don't recall ever having a Capital One account prior to XXXX, when I requested, and was issued a credit card. I have called and left detailed messages for XXXX, at extension XXXX, without sucess. I also wrote to Capital One via XXXX, XXXX and XXXX. 
I need a rep from Capital One to do a deep investigation into this matter and find out exactly what kind of mismanagement I did on an account, I never knew I had.

And if I was not in good standing with Capital One since XXXX, why was I issued a credit card in XXXX, but denied an application for a savings account in XXXX when my XXXX XXXX has been and is over XXXX points?? It doesn't make sense. And, Yes, it is frustrating that Capital One will not give me the benefit of the doubt and look into this matter deeper. I don't even want a savings account anymore. I just want for them to explain their XXXX adverse action against me and clear my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day my name is XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. A notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint today to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX  Balance Owed : {$55.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX Balance Owed : {$74000.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and XXXX XXXX XXXX. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent dispute letters to XXXX, Experian, and XXXX credit bureaus and I have not received responses. None of the bureaus are following the laws to respond to me within the allowable timeframes. It has been over the 45 days since I sent my letters was supposed to received their investigation responses by now. This is causing me financial distress and keeping me from qualifying for a mortgage. I am deeply disappointed with the inconsistencies and plain incorrect information reflected and do not understand why it is taking so long for them to address. I demand that they immediately remove these accounts from my credit reports.
Product: Debt collection

This Debt collection shouldve been already off my credit report, but what they did was reopened it up right before the 7 yrs was up to allow it to stay in my credit report longer. I dont feel thats fair because Ive waited my allotted time for it to be removed & for them to just open it back up is a bunch of XXXX.
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. 

Account Name : XXXX Account Number : XXXX Account Name : UNKNOWN ACCOUNT Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received the documents you sent me, however, what I asked for is not what you sent. I am attaching my letter to you for proof of what was requested, and will attach what you sent in response. 

I asked for the certified mailing receipt for the notice of delinquencies as well as any other notices. You failed to provide me with this. These are crucial, as you know, because it proves that you notified me of any delinquencies. But most importantly, you failed to include the complete payment history. Where is your records of the payments that I made, and the date they were made?? How are you calculating the deficiency balance without this vital information? 

And where is the information about retrieving personal property after the repossession??? 

Because of all of this, I am asking for early removal and cancellation of debts. I ask that you please remove this account from reporting to the credit bureaus as soon as possible. 

I appreciate your cooperation with this matter.
Product: Checking or savings account

On XX/XX/XXXX Citibank processed debits before credits. This resulted in a check being returned and an overdraft fee being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of these accounts : XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX and XXXX XXXX XXXX/XXXX   XXXX
Product: Credit card or prepaid card

XXXX XXXX did not send a Tattletale notice per Wisconsin law.

To wit : Tattletale Notice If the applicant for the open-end credit plan is married and the spouse is not a party to the application for credit, Section 766.56 ( 3 ) ( b ), Wis. Stats. requires that the creditor mail written notice of the extension of credit to the non-applicant spouse. The notice must be sent to the non-applicant spouse before payment is due, and may be addressed to the non-applicant spouse, or to both spouses if the applicant states that they reside at the same address. The tattletale notice requirement may be satisfied by sending one of the following : a copy of the document evidencing the obligation ; a copy of the credit disclosure given to the applicant spouse ; a brief statement of the nature of the credit extended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had accidentally locked my credit, not sure if I did lock or freeze, but lately when I tried to contact Experian which originally put a hold on my account I am not able to reach anyone, I have made several attempts and called several numbers as available on website to do the credit unfreeze but everything is a dead end, their is no human being that answers the automated prompts will let you go roundabout a few times then they will disconnect the call. 

XXXX XXXX XXXX XXXX, option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit lock or unlock should not be such a cumbersome process and each of the credit reporting agencies have an obligation to have real human being to answer the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 my father suffered a XXXX XXXX and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts. All accounts are listed in the report.
Product: Checking or savings account

Navy federal credit union has been charging my account overdraft fees when theres money in the account and posting payment later dates when balance low to cause overdraft to happen from this issue occurred between XX/XX/XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account that was paid in full as a delinquent unpaid account. I paid XXXX XXXX XX/XX/2017 in the amount of {$70.00}. Equifax still has the account shown as open bad debt. According to the FCRA, credit bureaus are required to update accounts within 30 days of activity. The status of this account has caused me to be declined for other utilities.
Product: Mortgage

We purchased our new construction home with Pulte Mortgage. They assured me that they would price match my employer 's discounted rate in order to stay competitive as I work for a lender. After already being under contract and providing a substantial XXXX, we received rude and unprofessional communication from the processor. Due to us shopping around still, the processor tried to steer me by telling me that we needed to show the Underwriters that " we were serious '' about purchasing the house by providing additional documents. The file already received loan commitment from their Underwriter and no official closing date had been provided yet. Once it came time to lock our interest rate, the lender stated that their pricing was already better due to the " incentive '' we received from them as the builder 's lender. That's not price matching, that's bait and switch steering. At this point we were too far along in the process to use my employer as the lender due to delays it would cause with closing. 
I had to constantly remind them that I worked in the industry and that what they were doing was unethical and illegal. They didn't seem to care. Underwriters were asking for items that weren't needed according to XXXX XXXX as well as documents that were already provided. On closing day, we were told that we wouldn't be closing due to them not being able to issue the Clear to Close in time. Their excuse for this delay is documents the Underwriter claimed that were needed but had already been provided to them months prior. This resulted in extreme physical, mental and financial stress as we had to re-arrange and re-schedule all of our moving plans and deliveries for that weekend. 

I feel that Pulte Mortgage deliberately delayed our file from closing on time as retaliation for pointing out their illegal and unethical business practices. The mortgage file will show that Pulte Mortgage had enough time to issue the the Clear to Close and chose not to. They deliberately waited until after the title company was closed to issue the CTC that same day. Due to it being a Friday, we were forced to wait until Monday to close. Pulte Mortgage lied, deceived, steered and targeted our loan. 

After communicating our disdain for the situation to the title company, they shared that this is a common issue with XXXX Mortgage. They shared a story where a similar situation happened to another family that forced them to sleep in their XXXX over night due to their closing being delayed. 

XXXX Mortgage has clearly displayed a lack of industry knowledge, ethics and competency. XXXX XXXX should not be allowed to practice in the mortgage industry. The processing XXXX even admitted that they made the mistake by delaying our closing. 

Also, incentivizing consumers with a " builder credit '' that's from a builder that's owned by the same parent company as the lender is literally steering. Then wrapping that incentive up in your pricing is bait and switch. XXXX XXXX as a whole need to be held accountable.
Product: Credit card or prepaid card

XX/XX/XXXX I received a {$920.00} check from Barclays Bank Delaware, Credit Card. The check was not cashed. I have had a balance on this account for the past XXXX XXXX years. I never received a letter of the credit balance or an offer to add it to my account to reduce the outstanding balance. I paid the account off XX/XX/XXXX, when I received my statement in XXXX, it said I have a credit balance of {$220.00}. Afterwards I received an overpayment issue letter for uncashed check number XXXX from XXXX XXXX, ( XXXX ) XXXX dated XX/XX/XXXX for the {$920.00}. I requested for the {$920.00} credit to be added to the {$220.00} and receive one check. I was denied the {$920.00} balance and was given the {$220.00}. 

My problem is, I do not appreciate the card company holding my credit balance since XXXX. The company waited until my account was paid in full to inform me about the {$920.00} credit. After receiving the {$220.00} on XX/XX/XXXX, I called to check my balance, I began to hear I have a credit balance of {$920.00}. I spoke with a representative on XX/XX/XXXX, and was told a check had not been released. As of XX/XX/XXXX, I have not received the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian in XX/XX/XXXX and called to dispute inquiries that I do not recognize on my report. They would not delete the unknown inquiries. I had my social security card stolen in XX/XX/XXXX so these are fradualiant. 

XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance Companies - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit Unions Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit Unions Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance Companies - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Reseller Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX loans with One Main. Add-on deceptive sales practices
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account # 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting Act : XXXX XXXX  Account # 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

About 2-3 months ago XXXX XXXX removed a collection account from my XXXX credit report willing. Last week a new collection was put back on my credit report by CREDENCE RESOURCE MANAGEMENT with approx. the same information that XXXX XXXX had willing removed earlier. This new collection account should have never been put on my credit report. I believe this is illegal as XXXX XXXX had no knowledge of this. I will sue them if this is not taken off ASAP. Thank you