23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was selling a furniture ( desk ) on XXXX XXXX. This guy named XXXX XXXX messaged me saying he's interested in my desk. He said he'll send the payment so he asked me for my email address and my name. I sent him. 

He came back to me saying he had to pay additional {$200.00} to upgrade my account to XXXX business account. I also got an email that says " XXXX, '' so that he can send me money through XXXX. He was in rush, so I sent him {$200.00} and showed him the transaction. 

But then, I received another email saying that I need another {$300.00} to complete the payment to upgrade my account. I thought that was suspicious, and that was when I realized it was a XXXX  account not XXXX 's official account. 

To me, this is a very new case that I've never heard of. I should've checked closely but because I had so much things to do in mind, I overlooked.
Product: Mortgage

I have been working with Amerihome Mortgage for loss mitigation options since XX/XX/XXXX. I have submitted all documents requested on time and in a timely manner. As of XX/XX/XXXX, I was informed that they had all the documents they needed and the file was forwarded to the Underwriting Department. Again on XX/XX/XXXX I was told the file is currently with underwriting, no documents were being requested and the foreclosure sale for XX/XX/XXXX was on hold. On XX/XX/XXXX we received a phone call from a XXXX XXXX   Employee ID XXXX who informed us that the they have all the documents needed and the file is currently in review with underwriting and we can follow up within 30-90 days. On that VERY same day, the lender kicked the file back to the loss mitigation department requesting additional information. Not one call was placed to my attorneys office, to myself nor were any notices sent out to inform us that now MORE documents were being requested. So now XX/XX/XXXX when call the lender, we are informed of the additional information now being requested and that they have now released the hold from the trustee sale for XX/XX/XXXX because they claim the documents must be received at least 14 days before the sale. Even if they did call me on XX/XX/XXXX, the day the lender requested those docs, that is not even 14 days to submit so therefore they are contradicting themselves. How is this fair? How can they request documents knowing that there are not 14 days left until the foreclosure sale and then demand they are to be received 14 days before the sale? To make matters worse, not once during this loss mitigation process have I ever been assigned a Point of Contact which is a violation of HBOR. I am extremely disappointed and stressed out with all of this as I have done my part, but Amerihome is dropping their end of the bargain and treating me unfairly.
Product: Credit card or prepaid card

My Capital One credit card payment is due today, XX/XX/2021. I made the payment today, but was informed that it would not post on the due date because the payment is being made after XXXX XXXX. I called Capital One, and they refused to accept my payment and post it for the date it is being made. I spoke with XXXX, who informed me that the " system '' won't allow her to accept it on time, and that I would be charged a fee, despite not having made a single late payment in the almost 8 years the account has been open. She informed me that after the late fee is charged, I will have to call back and request for the fee to be reversed, and that only then can they determine whether it qualifies to be reversed. They would not disclose what factors contribute to whether a fee waiver is available, but it seemed implied that perhaps certain personal factors may contribute to the situation. Is that even legal? As a consumer, who has made every effort to pay this bill on time for years, I am deeply concerned at the lack of care shown by Capital One. This should have been a simple matter to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Bank 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 an account without my written instructions
Product: Mortgage

1. Loan was previously serviced by XXXX XXXX XXXX, which had me in a COVID forbearance, which was extended verbally, every month. When the loan was transferred on XX/XX/XXXX, it was reported as current, bc I was in forbearance. 
2. Loan transferred to Fay Servicing, on XX/XX/XXXX. I requested a COVID forbearance, which was approved during my initial call with Fay servicing in XX/XX/XXXX. In XXXX I received a notice of default and called Fay, I was advised that this was standard and not to worry.In XX/XX/XXXX I received a letter that states I have requested a modification and that more documents were required. I submitted a loan modification application on XX/XX/XXXX, and then after more letters, I applied again on XX/XX/XXXX. In XX/XX/XXXX I was placed back in a COVID forbearance and was told REPEATEDLY that once that ended I would be offered a workout, not to worry. 
3. I was charged fees and reported delinquent while on COVID forbearance, my statements never indicated a forbearance, only that I was 300 plus days behind etc. 
4. In XX/XX/XXXX I requested to have my forbearance extended through XXXX, I also submitted a modification package to begin the post covid relief process, as I was instructed. A package was completed and mailed on XX/XX/XXXX. 
5. XX/XX/XXXX A notice of sale is sent, POSTMARKED XX/XX/XXXX, which means it did not arrive until AFTER XXXX, and EXACTLY 21 days after sale is RECORDED, there is a sale scheduled. Not once was I contacted or received any letter discussing my COVID forbearance extension, or any post forbearance options. None. No pay-off amount sent. No workout options, no assistance package. 
6. I downloaded a package and submitted the package from the website. 
7. On XX/XX/XXXX I finally XXXX XXXX for XXXX  after being very XXXX XXXX XXXX  since late XX/XX/XXXX. On XX/XX/XXXX I started to open my mail and catch up, when I saw a sale date scheduled for the same morning, I called Fay they offered no help. I had no choice but to file XXXX XXXX XXXX, which has affected me and will continue to affect me in a negative way. I was not planning to file XXXX, but was left with no option, since Fay had not even reviewed my application for assistance, & scheduled a sale immediately. My XXXX has been dismissed. As a result my sale has been rescheduled to XX/XX/XXXX
Product: Debt collection

I recently conducted a thorough analysis of my credit report and identified numerous accounts that appear to be fraudulent and added without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$29000.00}.
Product: Credit card

I have had much difficulty getting my credit card account closed with Chase. I finally got my credit card account with Chase closed and ended up with a credit balance of {$3.00}. I want this account XXXX XXXX out and Chase to pay me the {$3.00} they owe me. I have had to pay them many thousands of dollars of credit card interest over the last few years, and they always refused to lower my interest rate even though I was struggling financially especially after a layoff during COVID. Now that I have finally paid off this account they are refusing to mail me the {$3.00}. I called today Thursday XX/XX/2023 at about XXXX Arizona time after trying to resolve the issue using Chase 's website and XXXX  app ( both said I had to call in to get Chase to send me the money they owe me- lol ). When I called in, a female answered who said she needed to re-open my account to mail me the {$3.00}. I find it dishonest that one of the largest financial institutions on the planet can not figure out how to mail me a check for {$3.00} after going through extensive security verification. After " putting me on hold '' to figure it out she and/or Chase disconnect the line and nobody at Chase made any attempt to call me back email me or message me through their app to apologize and/or get the issue resolved. I want Chase to mail me the {$3.00} immediately so this account has a XXXX balance. It should be noted that this is the second CFPB complaint about Chase in less than a month. I hope someone sues them for a large sum of money and wins. They are not abiding by federal or state financial institution laws and should be penalized.
Product: Debt collection

Ive been reaching out to all XXXX credit bureaus for a couple of years now asking for them to delete the fraudulent accounts and they havent done right by doing so my rights are being violated and I want to resolve such matters without going to court the accounts below are all fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. XXXX of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to XXXX last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX, XXXX, which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX ), Order Vacating Final Judgment ( XXXX/XXXX/XXXX ), Notice of Hearing ( XXXX/XXXX/XXXX ), Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX ), the stub from the money order they insisted I use for payment ( XXXX/XXXX/XXXX ), and the XXXX Postal Service Return Receipt for the rent ordered by the court, signed by XXXX XXXX 's manager on XXXX XXXX ( the hearing was on XXXX XXXX ; I mailed it the next day ). I want this removed from all XXXX credit bureaus. Your assistance will be appreciated.
Product: Bank account or service

Deposited XXXX payroll checks, totaling over {$2800.00}. The teller told me the funds would be available the next business day. Funds are still not available 1 week later despite numerous calls and visits to the bank. At each call and visit, I was told the funds would clear the next day. At the last call three days ago, I was informed that the check would be held for 6 days at maximum. It is now 7 business days in and I have no anser as to when funds will clear. The bank is posting electronic bill payments and calculating a minus balance with imposed late fees despite pending checks. I would like to close account but the bank has refused because the balance is " minus '' despite the {$2800.00} deposit that has not yet cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have communicated to XXXX, XXXX, Experian about incorrect information being reported on my credit report. I have contacted the companies in question and they keep reporting inaccurate information. No one is listening to me or cares at all. This is affecting my credit very badly. I've had good credit up until now. I need your help.
Product: Debt collection

Account # XXXX Collection : Medical Data Systems I Amount : {$2400.00} XXXX reject to offer your contract. I did not consent any nonaffiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The extension of credit would be a violation of the False Claim Act. I would like the name and address of the original creditor as i have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any furnishings of false, credit information to the credit reporting agencies. I will file suit for intentional infliction of emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I really do not know where to begin but to start by saying my credit reports are a train wreck. After filling a consumers complaint with the Consumer Financial Protection Bureau ( CFPB ). Things have gotten crazy with my Experian, XXXX, and XXXX  credit reports. 
Now suddenly Experian has me as my mother 's name and has my real name as an allis name. XXXX  has me as another name as well but with a different name, all females names. After filing disputes about them merging my mother 's credit file onto mines, the account has been removed but still showing my mother 's name on my consumer credit file. 
The ( CFPB ) told me that XXXX  said, and I quote The company responded that you may have been a victim of fraud. This has nothing to do with fraud but errors that these credit reporting has caused and the only thing they can say is fraud and not taking the responsibility of what they did to me. 
At first, I could not understand why I was been denied credit because from seeing my recent credit reports just last week, I did not see what I am seeing now. I fully understand now, why the FTC says that the FTC study found that about 25 % of consumers had an error on one of their credit reports, and 5 % were paying higher interest rates because of those mistakes. 
Now XXXX  is showing an L1 on my consumer credit report in a different name as well as Experian is still showing my mother 's name under my social security number. This is again, not fraud, this is their employees merging our accounts together. 
I personally have all of these : Name misspellings ( common when family members share similar names ), Duplicate accounts, Incorrect accounts, Fraudulent accounts, Information or accounts from an ex-spouse, Incorrect payment statuses, Outdated information ( like negative accounts over seven years old ), Incorrect date of first delinquency on a collection account and re-insertion of accounts I disputed and was removed years ago, XXXX. 
It is so amazing to me about what XXXX  is doing to me because I just sued them back in 2018 and won. Yesterday I just mailed off my disputes again to Experian, XXXX, and XXXX, not knowing what I found out today. 
I keep going through this with these credit bureaus, from suing them to filing disputes on constant basic but you would think they would at least try to do the right thing and not be so money hungry. Stop putting your employees mistakes on the consumers.
Product: Student loan

On XX/XX/2018 I requested that my repayment plan be changed from an income-based repayment plan to an extended-graduated repayment plan. Despite following all of their instructions for transitioning the repayment plan, it took XXXX three months -- until XX/XX/2018 -- to process the change in payment plan. In the interim, on XX/XX/2018, XXXX charged by account a payment in the amount of a standard repayment plan ( about {$2300.00} ). The change in plan should have been processed by that time, however, and the payment amount should have been the roughly {$600.00} due under the extended-graduated plan.

Over the span of 5 calls and several hours with customer service, I attempted to work out a solution wherein XXXX   would refund my account the difference in payment amounts. During this time I received a multitude of different explanations for why it took so long to process the change in repayment plan, and how it would ( or would not ) be possible to receive a partial or full refund without going into default. XXXX eventually refunded the entirety of the {$2300.00} payment and then marked my account as past due. This was not the result I wanted, and to this date I do not understand why XXXX couldn't have just issued a partial refund consistent with the extended graduated payment plan. They dropped the ball by not switching my plan over in time and by charging me more in the interim. A partial refund would have been an easy remedy for their error, but they repeatedly resisted that remedy. 

Fed up with the whole process, I utilized XXXX XXXX online message center to try to get some information in writing about what was going on with my account. I received no response.

Finally, I decided that it wasn't worth the hassle to continue trying to navigate XXXX XXXX policies, and just paid the full {$2300.00} showing as past due.
Product: Debt collection

I received a debt collection letter at my mothers house for a XXXX credit card which I never opened or gave anyone consent to do so and I wasnt even aware that there was a XXXX credit card in my name. I dont know credit card number cause I never opened that account I would like for this to be resolved and investigated to know who account this is and why it is under my name. Im sure the purchases made on that account have up addresses if made online n etc or video footage of someone buying in store, that will prove this isnt my account.
Product: Credit reporting

TransUnion reported false information resulting in my being denied a loan. I contacted TransUnion and received their investigation results with the fraudulent account still on my Report and in Collection. 
Also, I do not appreciate that I have to register online my personal information to retrieve their reporting on me as my identity was stolen and reported by them to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian XXXX XXXX have been dragging this investigation out in regards to XXXX XXXX XXXX XXXX ON MY PROFILE the three credit bureus are notorious for lying and responding back verified ATTACHED you will see I have exhausted my attempts to get XXXX XXXX XXXX to prove I owe such for a construction bill that I never knew or bearing my signature the XXXX XXXX  Investigator XXXX XXXX also in the emails attached stating one thing and I am getting another exscuse BOTTOM LINE XXXX IS DRAGGING THERE FEET NOT RESPONDING WELL OVER DUE the credit bureaus need to remove from profile THIS DOES NOT MEET THE FAIR REPORTING LAWS this is been going on for well 60 days. also I would like to add to establish the bureaus generated response 's PUBLIC RECORD VERIFIED AND THE COURT RESPONSE XXXX XXXX Does Not Report To Bureaus so Verified was a lye and still showing on report, they can not report such, the bureaus have to verify from the source this is illegal reporting and a blunt disregard of the law
Product: Credit reporting or other personal consumer reports

I don't have exact dates since this has been an ongoing issue. 

Experian Report # XXXX I have been reporting issues about this late payment issue with Experian and they have refused to fix the issue and on my other reports it does not show that XXXX XXXX XXXX is a late payment. I reached out to Experian and the company and there is no update. At this point I am at my last straw in removing this late payment.