23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For starters, any current information is not reflecting an up to date status per my online portal account with Mr. Cooper. Which is strange because I recorded my conversation with them when I called them last week to speak about missing my XX/XX/year> mortgage payment. While waiting to speak with a representative, within XXXX minutes of being on hold, the automated system declared I am more than {$17000.00} behind in payments. Several minutes later I am connected to a representative- only after being disconnected twice- as she and I began speaking, her line of questioning was everything to do with me needing to immediately agree to a specific date to make multiple payments. Upon my, specifically, asking her " why am I being charged the equivalent of 3 months of payments for missing 1 month? ". She responded with a slew of -what I call- {$100.00} dollar words that sounded like a foreign language to me. Also, essentially I was told that making XXXX payment on time would actually be credited to the missed payment. So I feel trapped and forced into missing more payments that will complicate an already dire situation for me. I am all I have in this world. I am desperately trying to get a second job to alleviate this situation but at my age, I don't get much consideration. More so, being known as someone who lives with XXXX seems to encourage others to avoid me. But I digress. Why can Mr. Cooper charge me 3 months of payments to catch up XXXX missed payment? Again, I did record the phone call and I have proof they are telling me these things. They have not provided any paper trail with an itemized explanation detailing their reason for charging me so much money to catch up XXXX missed payment.
Product: Debt collection

I have filied a complaint with this company with your cimpany saying that I never did business with Portfolio Recovery and thier attemps to collect a debt I dont not owe them, and to stop all attempts to collect on this debt that I do not owe this company and after filing a complaint against them through the CFPB is was resolved and should be in your files. This morning they ( Portfolio Recovery ) reported this same collection on to my credit file dropping my credit score from XXXX to XXXX while Im in the process of aquiring funding for a start up business. This company needs to remove this account immediately from my credit file and stop all attemps of trying to collect on this account. I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian see attachment you have 5 business days to respond not 30 days or show 15U.S.C.6802 obligation to disclosure of personal information a release
Product: Payday loan, title loan, personal loan, or advance loan

Have been trying to get credit from Wells Fargo for years. I am intentionally harassed and have plenty of evidence of their thefts, harassment, hate towards me because I am XXXX and tried to do business, totally false and discriminatory practices towards me and lies obviously. They obviously won't give freely because I am a XXXX and they are trying to place me in hardship, because they are XXXX  style false bully banks with hate towards anyone not like them, that doesn't do extreme fraud, lawlessness and crime. Like in the days of XXXX they will not listen and still try to push 40 year mortgages and high interest loans when everyone in the XXXX XXXX XXXX knows XXXX XXXX will come back before them, Church calendar says about 7 years and I am harassed for this knowledge. The truth is out there but they don't seek it, they lie and are oblivious in false beliefs. They should just be giving money freely but they don't because they practice things like usury and insane XXXX and XXXX  things and they lie.
Product: Checking or savings account

On the evening ofXX/XX/2018 my husband was the victim of a XXXX computer scam. He realized immediately that he was being scammed and shut off our computer and called our bank. He could see that funds were being transferred from some of our accounts into our primary account that he hadn't done himself or authorized. The charges were pending and the representative from our bank said we had to come into a branch the next morning to open a new account and they would work on stopping the pending transactions. The dollar amount was {$660.00} that was pending on our account. The next morning at XXXX XXXX we went to the bank and opened a new account and was assured that our money would be secured and in our account within 48hrs. The charges stayed pending on the account from XX/XX/XXXX until XX/XX/XXXX. The charges then cleared our account Monday XXXX XXXX. After numerous calls to the bank the funds were finally put back into our account on XX/XX/XXXX. Then on XX/XX/XXXX they sent an email stating they were pulling the funds back out on XX/XX/XXXX as they didn't consider this to be fraud. I called them on XX/XX/XXXX and the representative I spoke to said the letter/email was wrong as the case was still showing as pending and it would be at least 45 days from XX/XX/XXXX before a decision was made. The 45th day would be XX/XX/XXXX. So that day came and went and we have heard nothing until today XX/XX/XXXX when my husband was checking our accounts and noticed they debited the closed account the {$640.00} on XXXX XXXX.We received nothing stating they closed this case and were going to do this. My husband called and was transferred go 4 different representatives and got nowhere other then hearing it was a final decision and we need to make payments to cover this. We didn't receive an email, letter or phone call and would have never known if my husband hadn't noticed this on the old account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit. 

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : TransUnion Corporation, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Checking or savings account

My brother XXXX XXXX deposited a cashier Into my account XXXX for XXXX 
He was told it might be a hold for XXXX XXXX XXXX. When called on XX/XX/XXXX I was told it would be available the next day and that there wasnt a hold. Today XX/XX/XXXX I spoke with a female supervisor who told me the check could not be verified and they had no way to contact the bank to verify the check. I said they usually call and she said no they dont do that. I called the bank that issued the cashier check and they said all they have to do is call and it will be verified.They are being XXXX XXXX XXXX XXXX and I will go to social media to see if anyone else has had this happen to so that a class action lawsuit can be file. I spoke with XXXX who is supposedly a XXXX
Product: Credit reporting or other personal consumer reports

I sent a certified letter to the XXXX XXXX and equifax on XX/XX/XXXX to verify my credit completely they all stated they did and everything was correct but I still see incorrect information on my report thats incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Vehicle loan or lease

I have a loan with StateFarm Bank using my father as a co-signer. I do not receive any statements, electronic or paper, for the account. 

I intentionally paid extra on my loan a couple months in a row, and StateFarm took me off of auto-pay. I was not aware that my loan was no longer auto-debiting from my account. This cause me not to pay the loan for 3 months. 

I did not receive a statement, an email or a phone call regarding the account. All communication went to my father who did not inform me I was late on my loan payment. 

This now will negatively affect my credit score and his. 

Once my father informed me he had been getting mail from state farm, I called to check on the account. 3 times I was told the account was current and no payment was required. 

I have gone into the account to request a paper statement be mailed to me, but the website says I am " not eligible '' for paper statements. However I am the one paying on the loan! I am not even able to review an online statement! 

This is unacceptable. I should be informed about what is going on with my loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX filed dispute with company ; company took no action to verify if the information they were reported to the bureaus correct XX/XX/XXXX auto loan opened ; company advertised incorrect interest ;
Product: Credit reporting, credit repair services, 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 | Account Number XXXX XXXX | XXXX XXXX XXXXXXXX - | XXXX XXXX XXXX. | XXXX | XXXX XXXX | XXXX XXXX XXXX XXXX XXXX. 

XXXX | XXXXXXXX XXXX XXXXXXXX | 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 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: Credit reporting

I have sent Experian XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Certegy Check Services XXXX XXXX declined to cash a company issued check # XXXX from XXXXXXXX XXXX XXXX XXXX on XXXX XX/XX/2023 at the Customer Service Center of XXXX XXXX. By blocking the transaction, Certify Check Services , XXXX implies that it will not honor company checks from a local company, XXXX XXXX XXXX XXXX XXXX. Furthermore, by declining the company check Certegy Check Services implied that the company issued check from XXXX XXXX XXXX, XXXX was fraudulent. This is completely implausible because XXXX XXXX XXXX, XXXX is a globally recognized company that issues checks to employees. Certegy never had any reason to delay or deny services.
Product: Credit card or prepaid card

Apple Card/Goldman Sachs ( AC/GS ) has failed to process valid transactions on my card, and has failed to honor commitments they made to respond to formal complaints, that I filed with a service agent. The root problem is that AC/GS declined ( for suspected fraud ) a {$100.00} purchase on {$20000.00} credit limit, did not contact me, and was unreachable for nearly 3 hours. 

At XXXX on XXXX XXXX I attempted to make an in-person {$100.00} purchase with my Apple Card via digital wallet. The merchant told me the transaction was declined. I tried two more times with the same result. The advertised process is that AC/GS will send me an electronic notification to my phone and and email, regarding declined transactions ; I received neither. I tried to contact AC/GS via in-app " chat '' and was told it would be 100 minutes before someone could respond ( transcript attached ). I called on the phone and was told it would be 160 minutes before I could speak with an agent. Eventually I received phone call from AC/GS agent " XXXX '' or " XXXX ''? He indicated that the transaction seemed suspicious and was blocked as suspected fraud. After a very long discussion, he took two complaints, and told me I could expect a response in 48 hours. That was 12 days ago. 

On XXXX XXXX I contacted AC/GS via chat for status of these complaints. AC/GS responded " we are unable to access customer information at this time. '' How is this even possible? On XXXX XXXX, a chat agent told me they couldn't provide any update on my complaints. ( transcript attached ) Apple Card 's Terms and Agreement ( attached ) include provisions to use electronic communications, including email and on-device notifications. These services appear to be unreliable. This could put me and other cardholders at risk : is AC/GS is not sending the notifications? Are notifications not being delivered? Or are they delivered to someone else?
Product: Checking or savings account

A bank account statement was received by an associate of mine at an address I have not lived at in over XXXX years. This account was for a checking account with Bank of America. 

I have confirmed with Bank of America that the account exists, and contains my information. This account is not one I have created, and I have not been able to actually speak to an individual at Bank of America regarding it. The Fraud department is unreachable via phone, and no emails have been replied to. 

I am concerned that this account was opened using my social security number, and will have a negative impact on my financial health.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( XXXX ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( XXXX ) was verified for accuracy and completeness. 

XXXX. The date, time, and who exactly verified this account XXXX. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of XXXX Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX / XXXX XXXX Bank # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Mortgage

I am doing a short sale and this was being done with HAFA. This is a backup buyer because the last buyer walked. We submitted everything exactly as it was previously approved and now WellsFargo is saying that the investor will not give the correct amount to the XXXX lien. It is very clear what the XXXX guidelines are, my agent even sent them the guidelines but they refuse to work according to those guidelines. After waiting all this time they declined my application. I need the relocation assistance to move from my property and the XXXX lien will not take the amount they are offering because they know the guidelines as well. They just approved them to get XXXX with the last buyer and now they want to change their mind. If they are going to benefit from HAFA and the incentives they get for working with it they should follow the rules just like I have to.
Product: Credit reporting, credit repair services, 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 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 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 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: Credit card

signed up on line for a news feed account on XX/XX/24, site provides free news, offers for {$50.00} a enhanced version, better access, more up to date news. After signing up experience no difference, wasn't provided any way to contact, did receive same emails that were sent when it was free. I responded to these e-mails that I wanted to cancel, this was done several times within 2 weeks of having paid {$50.00}. No response. Notified credit card, towards the end of XXXX, received email last week that they were closing dispute.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX is not reporting any late payment remarks. You are the only company reporting this account that have late payment. In line with the Fair Credit Reporting Act, I am formally requesting a thorough investigation into these inconsistencies. Attached herewith are supporting documents that unequivocally refute the existence of late payments on the aforementioned accounts.
Product: Debt collection

I do not have any contract with this company. Have not done any business with this company. They are trying to use my information to extort me. I have filed a FTC report.