23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has no real basis for putting us in collections for the amount they say we owe. I was in contact with the CEO 's office which got me no where, they are extremely rude. The general manager for the complex in which we lived had a lot of complaints against him for kicking people out because he was upset they complained about him..which is exactly what he did to us! They also put this account in collections ONE MONTH AFTER WE LEFT!!!
Product: Debt collection

Multiple calls through the day from diffreny numbers all with the same company name williams and fudge calls will start in the morning and go through out the day sometimes they will start around XXXX or so and get multiple call until around XXXX maybe XXXX. Attached are some of the calls and they go back about a few months everyday almost multiple calls.
Product: Credit card or prepaid card

I am on a fixed income I charged the maximum on my card, because I am XXXX and I want to start working from home once I get stronger. So when I got the XXXX XXXX very Small one and the immediately increased my minimum payment so I pay that but the interest is still too much because I still need supplies to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NAVY FCU were no successful resolution. XXXX and XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late -XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2023 :
Product: Debt collection

XXXX XXXX has reported a derogatory item on my credit reports. The claim I owe them {$2900.00} on an account that I have no knowledge of. I never had service or an account with this company. I disputed this account with the credit bureaus and they refuse to take it off of my report ... .claiming that it met the FCRA requirements. This is not true. I reached out to XXXX With a complaint and they said that they have no record of me at all in their system. Yet the credit bureaus continue to report this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX .... Balance : {$12000.00} XXXX XXXX XXXX XXXX. Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX  : {$220.00}
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam There was a fradulent activity on my coinbase account ( cryptocurrency ) on XX/XX/XXXX, 2 sale transactions ( of bitcoin/ethereum ) were done and the money from proceeds were withdrawn to some random bank accounts. I had called coinbase the same day, but they didn't do anything other than locking my account. When called back on XX/XX/XXXX is when they raised a support incident to investigate. They found the IP Address from which this was done. but not willing to take any responsibility for the incident. It was a hacking by someone in XXXX arizone and i didnt approve any new device as far as i know from my side. i raised a compliant with coinbase to provide further details to recover the money- but they have closed the incident and complaint saying its their final response. 

I swa XXXX transactions in my account which was performed by someone else. ( XXXX sale transactions and XXXX withdrawals on the same day within XXXX minutes ) 1. Sold XXXX - XX/XX/XXXX - XXXX $ Ref code : XXXX XXXX. Sold XXXX - XX/XX/XXXX - XXXX $ Ref code : XXXX XXXX. XXXXXXXX XXXXXXXX XXXX XXXXXXXX account ending in XXXX withdrew the funds within XXXX minute- XXXX $ ( Reference code : XXXX XXXX. XXXX XXXX bank account ending in XXXX withdrew the funds within XXXX minute - XXXX $ ( Reference code XXXX XXXX ) XXXX. XXXX XXXX bank account ending in XXXX withdrew the funds within XXXX minute - XXXX $ ( Reference code : XXXX )
Product: Debt collection

LVNV Funding Has place a collection for XXXX on my credit file and they have no contract signed by me. I have never heard of this company and if they bought it from the dark web all contracts had been cancelled with creditors. I have not opened any counts I have been out of work since XX/XX/2020 due to COVID 19 and underlying medical conditions. Do the the FCRA they are violating my rights and placing adverse Information and amounts on my credit when the president signed into effect that a creditor could not ruin your credit.
Product: Student loan

I was a student at XXXX XXXX XXXX and upon graduation found employment at an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the better part and when I applied for another graduate program and doctorate I was denied application because my records could not be confirmed or found.

My records were apparently misplaced during a relocation or campus transplant. At any rate I have loans for the programs I completed but not records on file.

I have made several attempts to contact the school and institutions responsible for the loans but they have all failed to assist me. The program I was in has since expired and the program must be completed again in its entirety.
Product: Credit reporting or other personal consumer reports

I am unable to view my Equifax Report or Scores. I have submitted a complaint a few months ago with regards to this same issue. Please help. Why can't I see my Equifax report or scores. 

There are also incorrect address reportings on XXXX and 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 Incorrect Employer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have an account reporting that is not my account : XXXX XXXX XXXX ; This may be reporting on my credit file in error, please help me get this removed. I am in the process of trying to purchase a home and the fact that I can't see my Equifax and these other scores is holding me up.

I don't know what else to do. Equifax is not showing my report and this has been going on for more than a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX NY ref # XXXX unknown item
Product: Credit reporting, credit repair services, or other personal consumer reports

SunTrust Mortgage reported my XX/XX/2018 payment late to credit bureaus. The payment was late because XXXX XXXX XXXX had put a freeze on our checking account that resulted in automatic cancellations of all bill payments. We did not know about this freeze as, apparently, the bank had sent a physical letter to our old address requiring some documents. Since we never received this letter, we could not provide them the document they needed. SunTrust had the address wrong when they initially tried to contact us. They never called us to alert that the payment was late. We had never been late on our mortgage payment before. Now when I tried contacting SunTrust mortgage, they required a letter from XXXX XXXX  XXXX that the account was frozen by bank and it was not us who cancelled the XXXX payment. We have provided them whatever information is available to us to prove that it is not our mistake that XXXX XXXXXXXX XXXX cancelled our payment without our knowledge. When we first talked to XXXX XXXX at SunTrusts credit dispute department, he confirmed that he will remove this late reporting because it was not our fault. Apparently, XXXX never reported to have this late note removed. We have talked to several representatives at SunTrust to no avail. I am attaching the document that was sent to SunTrust in explaining that late payment was not our fault. SunTrust refused to accept that bill payments were cancelled by XXXX XXXXXXXX XXXX without our consent. I have talked to several representatives at SunTrust including XXXX XXXX, XXXX, XXXX and others with no help.
Product: Credit card or prepaid card

On XX/XX/XXXX, we had 2 representatives from Home Depot come to our home to give us a quote for cabinet refacing. After about 2 hours of picking colors and design, they gave us a quote for {$27000.00}. They also told us that we can call Citi and let them know we are doing a project at our home to have our credit line increased to take advantage of the 2 year 0 % interest. In XXXX, we opened a Home Depot credit card that extended {$8000.00} credit line, we requested an increase to {$28000.00} which was declined. We called and spoke to several representatives and none of them would allow the increase. After researching online, this seems to be a repetitive practice of Citi and Home Depot. The sales rep and his manager claimed they very rarely have anyone denied for the increase. Our credit score is XXXX, household income of over {$300000.00} and {$50000.00} in savings. We have more than enough money to pay in cash for the project, but with 2 years at 0 % interest, we want to keep the money in our money market account. My husband and I are both in lending, been in our home for 15 years and on our jobs for over 4 years. After asking multiple representatives at Citi what the real reason was for the decline, they said that we would get a letter. This is unfair lending in every aspect. 

The reasons for the denial are completely inaccurate. All of our revolving debt is under 30 % in comparison to the balance. Most of the revolving cards don't carry balances. When asked about the additional denial reasons : length of time accounts have been established, too many accounts with balances and time since opening most recent account opening is too short. We asked how long accounts need to be established, how many accounts can we have open with balances and how much time we need since opening the most recent account, the Citi representative said they could not give answers to those to consumers. I asked why they couldn't and the representative said that if they told me that, everyone could get approved for no interest credit and they would go out of business. So, long story short, Citi offers a Home Depot store card at 0 % interest, but will not tell you their guidelines for obtaining the offer and therefore engages in deceptive lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX XXXX is reporting to my credit report as Account charged off, written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that I could file this as ordinary income. I haven't received the form. They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation. 

Also, I've ask that the original contract between me and this company be presented, I still haven't received that information. Credit bureau states they have verified the information to be accurate and true. I would like to see the information that was presented to verify this account. If this account can not be properly and accurately verified, then this account needs to be deleted from my credit report.
Product: Student loan

I was a victim of Wells Fargos abusive private student loan practices. The charge exorbitant late fees. Erroneously charged interest rates. And did not apply payments to my account correctly.

Also, they never reached out to me for the CFPB settlement. When I tried to contact them they said they did not know what settlement. I have my payment schedule and account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, ( Original Creditor : ), XXXX. 
Company Inquiries 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I signed up for XXXX services through a finance agreement with Healthcare Finance Direct ( HFD ), unaware that XXXX had filed for XXXX  XXXX bankruptcy on XX/XX/year>. The company and its employees never informed me of the bankruptcy. After realizing that XXXX could not fulfill the services due to their bankruptcy and subsequent closure, I contacted them but received no response beyond a generic FAQ page. 

To resolve this financially, I paid off the HFD loan in full using my credit card. However, when I disputed this charge with my credit card company due to XXXX inability to provide services, the credit card company issued a refund. After this, HFD charged me again for the full amount of the loan, despite the ongoing dispute. 

To date, I have reached out to both HFD and my credit card company to resolve this matter, seeking a refund and cancellation of the loan for services that were never rendered. HFD also keeps charging me random late fees, even though they have charged my credit card monthly without permission. I have asked for a refund on the late fees, and they refuse to refund me saying they're not at fault.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

This company has been contacting me for YEARS. I live in NC and I've asked them not to call me ( I have received calls before XXXX and calls at exactly XXXX OFTEN! I have disputed this debt REPEATEDLY! At this point, its passed the statute of limitations in NC if it was truly my debt, so I would like them to STOP harrassing me non-stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
Product: Mortgage

On XX/XX/XXXX I closed on a house and Cardinal Financial was the mortgage lender. On the closing discolsure they had one full year of XXXX property taxes and 3 months of property insurance fees after paying both in full for XXXX. This has left a balance of over {$6000.00} in my escrow account. Additionally I'm paying over {$800.00} per month for property taxes and insurance for all of XXXX. By the time XXXX property taxes and insurance are due there will be in excess of {$15000.00} in escrow. As of today ( XX/XX/XXXX ) I have notified Cardinal of this issue and they refuse to refund my money. 
Cardinal claims that federal regulations require them to keep this balance. Based on consumerfinance.gov this is not the case. So, this appears to be an attempt by Cardinal ( and likely other mortgage lenders ) to make a profit center out of escrow funds. By keeping all their mortgage lender 's escrow account over funded their can make millions of dollars in investments and interest and possible increase the lending power at the expense of their mortgage payers. This should be illegal to mislead the mortgage payers with such practices, lying about federal regulation, and not disclose the purpose and use of the excess escrow fund. Such mortgage lenders should be investigated and regulations put in place to disallow this practice.
Product: Mortgage

I am having an issue with Ocwen. We requested a short sale and sent a complete package and Ocwen acknowledged receipt of the package on XX/XX/XXXX. With a sale date of XX/XX/XXXX, the package was received prior to the 37 day deadline. Ocwen keeps asking for a rental certification ( the house is NOT rented ) We have repeatedly told them the house is not rented. Then they asked for a Social Security Awards letter. The homeowner has been getting social security for 25 years and does not get a " awards letter '', just a XXXX. We have sent this to Ocwen three times. They are just trying to delay so they can take the house to sale. They have unclean hands. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Ocwen verbally advised that they would review the buyer 's cash offer for closing before the foreclosure sale and also stated that they could request a postponement on the foreclosure, however have not done to to date. 
Also, the note was rescinded on XX/XX/XXXX and Ocwen is not honoring this recission.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Acct to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account resolved. The CFPB has recently files a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcome.
Product: Checking or savings account

On XX/XX/XXXX Discover Bank withdrew {$25.00} dollars out of my XXXX XXXX XXXX XXXX XXXX Account. I did not authorize this withdrawal, Discover has stolen {$25.00} dollars from my XXXX XXXX XXXX XXXX XXXX Checking account. 

If the Online Savings account Ending XXXX is closed with Discover, which I have in writing that the account is closed, why are funds being taken from my XXXX XXXX XXXX XXXX XXXX account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer responsible for this debt. This was already sold and I don't owe this debt anymore. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. This is clearly a violation of the FCRA section 602 ( a XXXX & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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