23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have struggled for many years for several reasons to make good and pay our mortgage. We have fought several foreclosure attempts by the mortgage lender ( Wells Fargo ) either by filing bankruptcy or applying for modifications of the existing loan. This past year we were finally able to secure a loan modification only with the assistance of an agency that deals with predatory lenders. We have paid a substantial amount in attorney fees, drained all of our resources to remain in a home where we have raised our XXXX children. Throughout our financial and medical hardships, we have always remained diligent in fighting for what we believed to be an injustice and very predatory practice on behalf of XXXX XXXX  XXXX and Wells Fargo who have been the culprits trying to destroy our family. I keep very good records of corresponds to and from every individual involved but as I seem to get closer to showing that we have been wronged, the banks are trying to distance themselves from us. I know for a fact and have evidence that they failed on several attempts to either help us or compensate us after being found guilty of their devious practices.
Product: Debt collection

about a year ago my service was canceled with XXXX XXXX XXXX XXXX  amount at that time was around XXXX I had no cable the service was canceled due to me being out of work due to XXXX so now this account has gotten sold to a company called XXXX who constantly calls me from numerous numbers they called me 4 times today XXXX from XXXX approximately XXXX XXXX back to back XXXX and XXXX they called me saturday from XXXX at XXXX XXXX i spoke to someone on XX/XX/XXXX approximately XXXX about how im not paying almost XXXX when my service was cancelled at XXXX i told her to no longer call my phone this company uses multiple numbers that are not linked to them uverse is no longer a active service with XXXX XXXX XXXX  any more i have XXXX and i dont appreciate these tactics at all i told them this
Product: Credit reporting, credit repair services, or other personal consumer reports

IN PURSUANT TO 15 USC 1681A ( 2 ) ( B ) DELETE THESE ACCOUNTS AS WELL AS THEY ARE IDENTITY THEFT AND NEVER HAD PERMISSIBLE PURPOSE 15 USC 1681 ( B ) Under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), It is my right to privacy it is not a privilege. I HAVE 35 Inquiries and 3 Installment loans reporting on my credit report without my written consent which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Majority payment services needs to be investigated by a regulatory agency. I ask the CFPB to please review the reviews left on XXXX and XXXX XXXX. There are overwhelming reviews mentioning the moment customers add funds, suddenly unauthorized transactions start appearing on their accounts. They have the card physically with them but the card is not being used by them. Disputes are denied and consumers are facing a huge financial loss with this company. I personally experienced this with {$590.00} vanishing from my account and then another {$180.00}. When this happens, they block your device form being able to reach them. Its a busy signal everyone you call but calling from a separate phone gets you through. They block access to the app, and do whatever they can do you dont know whats going on. Please read what others have to say in the reviews
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, sent a letter regarding inaccurate and unknown Items on my credit report on XX/XX/2021. It is 60 days later and I have yet to receive a response. I feel like my disputes are being neglected and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Prepaid card

on XX/XX/24 i went to target to buy an Amex prepaid giftcard since then i have been trying to use the card but each time it is declined and a XXXX cent fee is taken out
Product: Credit reporting or other personal consumer reports

illegal credit inquiries since XXXX according to experian : XXXX XXXX XXXX times, experian and experian credit match XXXX times, XXXX XXXX XXXX times, XXXX XXXX XXXX XXXX  times, XXXX XXXX XXXX XXXX time, XXXX XXXX XXXX XXXX time, XXXX XXXX  XXXX time. XXXX XXXX XXXX times, XXXX XXXX XXXX XXXX time. this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. experian, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXX you. return XXXX  to creditors NOW! do not share credit information with government either, there has been XXXX  committed within factions of the XXXX XXXX it is not safe to share with anyone for any reason.
Product: Mortgage

I applied for covid mortgage assistance in XX/XX/2021. I was approved in XX/XX/2021. I signed papers with XXXX for their assistance. They took too long to pay it out and the quote went stale. They then asked Regions mortgage to resend the new amounts and how much is due on my account. Regions has told me over and over again that they have submitted this information and XXXX  has continued to say that regions has not provided this information. I am a XXXX XXXX and lost my employment. I just need help getting my lender to do what needs done so that I can receive the assistance.
Product: Mortgage

TD Bank is holding up our 'Residential Subordination Agreement Request ', Please help! 

We Completed the form and provided payment back on XX/XX/XXXX, to obtain from TD Bank a 'Subordination Agreement Request '. We are trying to re-finance our current 1st Mortgage and need TD to complete this subordination agreement to remain in second position. 

TD Bank mentions this process should only take approximately 30 days, and we are here today more than 60 days later with no news from TD Bank, and no means to reach out to them. 

Can TD Bank provides an update on our 'Residential Subordination Agreement Request '? 
We have reached out to our TD Branch Manager XXXX XXXX, but he could not get an update from the Bank other than it is still processing. Our Closing Attorney also tried to reach out to TD with No success. 

Please help tell TD Bank, to process our 'Residential Subordination Agreement Request ' in a timely matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XX/XX/XXXX** **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX # # # **Subject : Dispute of Incorrect Late Payments on Navy Federal Credit Union Account** Dear Consumer Financial Protection Bureau , I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and XXXX for my Navy Federal Credit Union credit card account ( Account # : XXXX ) . These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX ( XXXX ), XXXX ( XXXX ) - **Account Type** : Revolving - **Account Status** : Closed - **Monthly Payment** : {$110.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$7000.00} - **Credit Limit** : {$7300.00} ( XXXX ), {$0.00} ( XXXX ) - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) # # # **Discrepancies in Payment History : ** # # # # **XX/XX/XXXX : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **XX/XX/XXXX : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed.

# # # **Action Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and XXXX update my credit report to reflect accurate payment history.

2. **Notification** : Please notify me once the corrections have been made.

Enclosed are copies of my credit reports from XXXX and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Debt collection

Originally was a door to door salesman offering a home care system for {$1700.00}. Once I received my first invoice the price was almost at {$3000.00}. They said I had a 30 day time period to return which I called and spoke to a manager about refunding the product and canceling the agreement since it was within 7 days of purchase but no one would pick up the product or answer my phone calls for returning. I have sent countless of letters to this company about this situation and they choose to ignore it. 

I was unrightfully charged way more than I agreed to and they lied an ran my credit without permission. I would have never agreed if they were going to run my credit when I specifically asked several times and they prompted that my credit was not apart of the process but it is showing up on my credit profile.
Product: Checking or savings account

Ive been charged XXXX dollars in the pass 5 days for nsf fees, thats from no fault of my own. Yet my acct still has money in it. Chase customer care said they only wave overdraft fees 3 times in a 12 month cycle. Im not a wealthy person. I work hard for my money .and chase seems to have found away to take it. XXXX XXXX I was charged XXXX. For overdraft fees XXXX XXXX I was charged XXXX for fees XXXX XXXX the same. Ive spoke with the bank several times and has gotten no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing a 90 Day late charges from Navient for 8 of my loans which started XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Navient via phone to request that I have moved to a different address and that I have never faulted on my student loans which i was never aware that it was starting. On XX/XX/XXXX, I again requested to talk to someone and finally reached someone that told me to write a dispute letter. My payments were never late as I have made payments every month since XX/XX/XXXX and I even sent them documentations proving I was unaware of the loans starting in the attachment below. I have nicely asked Navient to remove the 90+ day late and report them to the credit bureaus to fix all these issues three times and have included multiple times with evidence. They ruined my credit score and I would really like to resolve this.
Product: Debt collection

Someone went to the hospital in a county I wasnt even living in Nor EVER Been to the Dr out there. The charge was for the same amount my income tax return was supposed to be for.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXXXXXX XXXX I made an instant transfer for {$450.00} from PayPal to XXXX. I unfortunately selected the wrong active card with XXXX. I haven't used my PayPal account in a while with XXXX  since my last account was closed in XX/XX/XXXX and i forgot to remove it prior. Somehow even though the account has been closed for a year plus instead of blocking the transfer, it still got processed. Both instutions claim it should of bounced back within 3 to five business days to paypal yet its been 20 + and still no money on either end. PayPal maintains it was successful and gave me a reference/ trace numbers claimed XXXX is the one to pay me back and XXXX who at first couldn't see my old account to they could see it but couldn't access the transactions, to they could access the transaction, but claimed there were no transactions on that date or time stamp and that PayPal should be the one to reimburse me. I still don't have my funds back so I'm reporting them both PayPal and XXXX for theft. I also want to point out PayPal made me remove the old account just incase they claimed they can ' t see the card now. I got proof and pictures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the day of XX/XX/2023, I submitted claims out to Experian, XXXX, and XXXX. Here is my tracking numbers : Experian- XXXX, XXXX XXXX, XXXX XXXX However the credit bureaus said the completed the investigation and everything was 100 % accurate According to the la 15 U.S.Code $ 1681a - Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, triends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowiedge conceming any such items of information. However, such information shal not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I investigated incorrect information on my credit file with XXXX. 
XXXX  allowed XXXX XXXX and Navy Federal to change the date of the last payment that was received. I requested for XXXX  to investigate to date of last payment received. I'm still waiting on a repley. I received report in the mail on yesterday where both company change the date of 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 
date of XXXX delinquency was XX/XX/XXXX. 
2.Navy Federal Credit Union XXXX XXXX XXXX XXXX  XX/XX/XXXX date of XXXX delinquency was XX/XX/XXXX both company would like to keep this on my file longer than 7 years by changing the dates.
Product: Bank account or service

Someone stole my bank card and charged over {$4000.00} t regions and now I 'm stuck with something someone else has done to me
Product: Checking or savings account

bank closed acct per my letter of 6 weeks ago. can not sign on and can not call. Wait times are horrific. never received the funds in acct up to today. have written 2 letters to close and send funds
Product: Checking or savings account

Made a deposit of {$2000.00} in cash at a Bank of America ATM on XX/XX/2023, after money was deposited into ATM the ATM cancelled the transaction and returned my card, no receipt, nothing. I immediately contacted the bank and they said they would launch an investigation and get the money deposited into the account and there has been no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I closed the sale on a property I owned which was financed by XXXX XXXX  and with in a few days ( XX/XX/XXXX ) I received the sale proceeds from XXXX. 
In the process of applying for a VA Errol loan refinance on another property several weeks later in early XXXX I noticed that the outstanding debt on my credit report was still about {$150000.00} higher than it should have been and to my surprise the payoff in early XXXX was still not showing a month later as having been payed. 
Ironically I had used mortgage payoff disbursement proceeds from XXXX XXXX  to pay down {$24000.00} on my XXXX XXXX and it was showing paid off the very next day in early XXXX. 
I filed complaints with both XXXX  and Experian and they both reported back in mid XXXX ( XX/XX/XXXX ) that the XXXX XXXX loan was still showing open. 
I again called both Experian and XXXX  and they advised me that the XXXX XXXX  account still showed open based on XXXX latest report to them. 

There in lies the problem, if my loan had been paid off one week earlier In XXXX, XXXX would have forwarded their monthly report on XX/XX/XXXX ( less than 20 days ) to the various bureaus, but one week later they dont report until XX/XX/XXXX. 
So when I called on XX/XX/XXXX the XXXX report of the loan payoff ( XX/XX/XXXX ) had not yet been able to hit the Experian files. 
So a full 41 days after my payoff my credit score still showed a full {$130000.00} more outstanding debt than it should. Therefore my full outstanding balances was {$410000.00} or a full 33 % higher than reality.

I could never know how the credit union scoring system works, but certainly 33 % debt can only improve my BEACON SCORE ( by 50 points ) AND earn a lower interest rate on my VA refinance! 
I dont know what advantage slow reporting of payoffs gives to banks. After all its really just computers programmed to report to other computers. Maybe a bank shows more loan assets for longer. Certainly it cant just be sloth! If XXXX reports in one day, or I can pay a mortgage from my bank to XXXX electronically in one day ; XXXX can report my {$130000.00} payoff to all credit bureaus within the same period. AND NOT ADVERSELY EFFECT CONSUMER CREDIT REPUTATIONS AND SCORES! 
All creditors should be able to report credit status twice monthly! If not daily like XXXX XXXX
Product: Credit card

On XX/XX/year>2024, I received an email from XXXX XXXX stating I had a hard inquiry. I then made a credit freeze on XXXX, XXXX, and XXXX because I did not authorize anyone to check my credit nor did I apply for anything that would require a credit check. On XX/XX/year>2024 my mother sent me a text of a piece of mail that was delivered to her house, which was also my last address of residency. When I directed her to open it, it was a credit card from Citi. I checked XXXX XXXX on XX/XX/XXXX and noticed the Citi card had a charge of {$2300.00} on it. I promptly called Citi and informed them of the fraudulent account and charge. They could not tell me what or where the charge was made but they did ask me about a phone number that was associated with the account. The phone number is XXXX. I found this odd because I noticed this phone number on my XXXX account, and I am unfamiliar with who it belongs to. Citi informed me that they will dispute the account and charges made and notify me with a letter within 7 to 10 days of the results and outcome. I then disputed the account and the charge with XXXX and XXXX, as well as with XXXX XXXX, which is my identity theft insurance company. I filed a police report today, XX/XX/year>2024. I have since filed the last dispute with XXXX today.
Product: Debt collection

This company IC System has continuously called my phone while I was working, I expressed to them that I can not get calls at work and that if I continue I would report harassment, the man on the other end called me a XXXX and said to just pay your bills and you would not have this problem and hung up in my face. I tried calling the number back and every time I would explain to someone what happened they just tried to move on from the conversation, this was insanely disrespectful and this is no way to run a company. This account does not belong to me.
Product: Checking or savings account

Subject : Fraudulent Accounts Reported Under My Name Consumer ID : XXXX Dear Sir/Madam, I am reaching out to formally dispute the fraudulent information that continues to appear on my credit report. Despite repeated requests to the credit bureaus to investigate and remove these accounts, they remain in my file and have been repeatedly verified as valid, which is incorrect. Therefore, I am now writing to request the CFPB 's assistance in rectifying these issues. 

Report Information : Report Date : XX/XX/XXXX The following accounts are fraudulently listed under my name and Social Security number without my authorization : XXXX. Bank Name : XXXX XXXX XXXX  Account Number : XXXX Routing Number : XXXX Incident Date : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Incident Date : XX/XX/XXXX XXXX. Bank Name : XXXXXXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX I request that the CFPB oversee the removal of these accounts from my credit report and ensure the credit bureaus comply with fair reporting standards. Please confirm in writing once these accounts have been investigated and removed. 

If further information is required, please contact me at your convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.