23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

For the past 9+ years I have maintained an exemplary standing with my Commerce Bank Visa credit card account. In the past 1-2 years I added my granddaughter and a couple of nieces as authorized users. On XX/XX/XXXX of 2021 I called to remove my granddaughter, XXXX XXXX from the account. 1 ) adds can be made online but I was told that deletions could not be completed by phone or online, instead a form would be mailed. A form was mailed, however, the wrong form was sent to me ( it was a form to add an additional user instead of the promised deletion form ). 2 ) On XXXX the representative advised that while waiting for the deletion form, he would close my entire account and reissue a card to me alone ( which he did ). 3 ) On XXXX I paid the total account balance of XXXX dollar to bring my account to zero. 
After the closure of my account and new credit card number being issued, my granddaughter continued to use her XXXX  card ( which was linked to both her XXXX XXXX bank account and her old, closed Commerce account ). Commerce transferred charges after XXXX from XXXX 's old, closed credit card to my brand new credit card without authorization. To my surprise, I logged on and found additional charges along with a late fee for unexpected charges. The 1st two reps that I spoke to admitted that there was a breakdown in their internal controls that allowed XXXX  charges linked to an old, closed account to be transferred to my new account, however, Commerce fraud review representative came back and said that i was still liable even though 1 ) the prior account was closed 2 ) the new account only issued a card to me alone 3 ) Commerce had not provided the form necessary to remove anyone ( supposedly closing the old account was the solution- this can be heard on the phone transcript that Commerce refuses to provide me a copy of ). The XXXX charges made after XXXX are the responsibility of Commerce , not me. They failed to provide a way for me to remove users so they instead closed my account to avoid unwanted charges.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX and Acct # XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

This is about a complaint sent from me to you through CFPB submitted XX/XX/22 requesting your company for validation of the account from XXXX # XXXX. 

In response to my complaint, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction. Further, the creditor reported this on my Consumer Reports ( XXXX & XXXX ) as Charged Off. This means that the creditor XXXX is no longer attempting to collect the alleged debt owed by them. 

I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me, as a consumer, that the creditor was attempting to collect a debt but in reality, it was not true. Because of your deceptive tactics I demand you delete the collection account off of my XXXX and XXXX consumer reports. If your company does not comply I will be forced to seek litigation
Product: Mortgage

I CALLED SHELLPOINT MORTGAGE ON XX/XX/XXXX OR XXXX XXXX TO SINCE MY LOAN, WHICH HAD TRANSFERRED TO THEM, DID NOT APPEAR ONLINE. I WAS TOLD TO WAIT ABOUT 1 WEEK ... SINCE I WANTED TO MAKE A PRINCIPAL PAYMENT ON THIS INTEREST ONLY HELOC. I CALLED AGAIN ON XX/XX/XXXX SINCE THE LOAN WAS FINALLY ON THEIR ONLINE SITE BUT MY PAYMENT WAS BEING HELD IN SUSPENCE ... A PAYMENT WHICH INCLUDED THE REGULAR PAYMENT OF {$1000.00} AND A PRINCIPAL PAYMENT OF {$3000.00} FOR A TOTAL OF {$4000.00} WAS MADE ONLINE ON XX/XX/year>. 

I CALLED AGAIN ON XX/XX/year> WHICH WAS THE DATE THEY TOLD ME THE MONEY FROM MY ACCOUNT WOULD BE CREDITED ... IT WAS NOT. 

I CALLED AGAIN ON XX/XX/year> SINCE I WAS TOLD THE DAY BEFORE THEY PROBLEM WOULD BE FIXED..IT WAS NOT. I CALLED AGAIN ON XX/XX/year> AND THE PROBLEM WAS NOT FIXED. 

I CHECKED THEIR WEBSITE ON XX/XX/year>, AND THEY HAD APPLIED A PAYMENT OF {$1100.00}, WITH A DATE OF XXXX XXXX XXXX  AS THE DATE IT WAS APPLIED, INSTEAD OF THE DATE THE PAYMENT WAS RECIEVED WHICH WAS XX/XX/year>. IN ADDITION THE PRINCIPAL PAYMENT WAS NOT APPLIED.

THIS ENTIRE SITUATION IS DISTUBING AND CAUSING ME TO SPEND A GREAT DEAL OF TIME AND EFFORT. I WORK AND HAVE LITTLE TIME TO MONITOR THIS MATTER. ADDITIONALLY THIS HAS DISTURBED ME TO THE POINT OF NOT BEING ABLE TO SLEEP AND BEING WORRIED ABOUT WHAT THE OUTCOME WILL BE.

SOMEONE NEEDS TO INTERVENE AND GET THIS STRAIGTHENED OUT.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account # XXXX, has violated my right. XXXX XXXX  XXXX. 15U.S.C. 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 15U.S.C. 1681 section 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card or prepaid card

My fixed rate was changed to a variable rate. I did not receive mail that they insist that they sent. Because rate was FIXED, I did not think it could be changed to variable as long as I kept my account current. This practice is very deceptive and even though they responded to my complaint ( surprise surprise in their own favor ) I want CFPB to please review what happened and suggest changes so that other consumers do not fall victim to this type of deceptive practice. 

Fixed means fixed. My fixed rate mortgage will remain fixed for the entire term. Why would the average consumer have any idea to question that it is any different with credit cards? I never looked for any changes because by signing up for a fixed rate card I did not expect that it could be changed to a variable rate. Chase says they sent me a letter and an update years later but I did not get their mail. I didn't but what if I were to say I got it and sent it back asking them to opt out? If the mail was misdelivered, lost or stolen they would have the same frustration I have now, but they are bigger and they hold the cards so I would be told that since they did not get it that I am out of luck I am sure. Everything is situated to benefit them and that IS NOT FAIR to consumers. 

Cardholders are required to sign for the initial terms of the card, so why are they to opt out if they do not agree with changes that are set to benefit Chase? My theory on this is that there are predictable amounts of people who will not receive their mail or not reply to their 'notice '. They can predict increased revenue based on this alone and the people who don't opt out who really want to keep it ( even though it is not in any way benefitting them ), is just more profit for them. The cardholders best interest is not of their concern. They are already making money on the accounts but this just allows them to strong arm more money from their customers. Very unfair. 

With this premise, would it be ok for me to send them a letter, not registered, no proof of receipt etc telling them that I am going to quit paying my card and that they agree to write off my debt if they do not reply in 45 days. If they do not reply in 45 days I can then tell them and the credit bureau that they did not opt out of my proposal and I can then be free and clear of my debt?
Product: Mortgage

THIS IS ANOTHER EXAMPLE OF PONTENTIAL FRAUD : ON XX/XX/XXXX Shellpoint claims that this is the note holder as XX/XX/XXXX. is XXXX XXXX XXXXXXXX is the note holder, accoring to the documents on XX/XX/XXXX the note holder was XXXX XXXX XXXX. 

ATTACHED DOCUMENTS : Nevertheless on XX/XX/XXXX a CORPORATION ASSIGNMENT OF DEED OF TRUST was recored stading that BONY CWABS XXXX all interest was transfered from XXXX XXXX  XXXX XXXX XXXX this is fraudulent because on XX/XX/XXXX " accoring to this documents the note holder was not XXXX XXXX XXXXXXXX, the note holder was XXXX XXXX XXXXXXXX. 
These documents where TAMPERING including the dates. 
on XX/XX/XXXX another CORPORATION ASSIGNMENT OF DEED OF TRUST was recored stading that XXXX XXXX XXXXXXXX trasfered all interest to XXXX XXXX XXXX 
the fraudulent information XXXX document was fraudulent or changed to make it looked as if the document was executed on XX/XX/XXXX but it was notirized on XX/XX/XXXX. 
please find attachements for your review. 

please this is an addition to the pending complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing and Experian keeps telling me that I have already disputed but it is still on my credit report and they always believe creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have four federal student loans serviced by Navient / Dept of Education. These loans have been in forbearance since the beginning of the initial repayment period.

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number. 

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that Navient 's refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA.

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''.

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

While removing all 3 credit records I have noticed countless errors in hard inquiries that I do not recognize. I have 3 Hard inquiries on XXXX, 7 on equifax and possibly 4 on XXXX. The only accurate hard inquiry that should be on my report is from XX/XX/XXXX of XXXX This was my only authorized inquiry. Also none of the Hard inquiries match from all 3 reports. FCRA states that this information has to be 100 % accurate and it is several discrepancies within these inquiries that are being reported. Also the hard inquiry from XXXX XXXX is no longer my account and needs to be removed immediately since that account was removed from my report altogether.
Product: Credit reporting or other personal consumer reports

I received a bill of {$1500.00} from Hyundai Motor Finance, but when I asked for an itemized bill, they refused to provide it. Instead, they sent me an old bill with an incorrect number. I need the itemized bill because I have excess insurance on the car, and the insurance requires it to cover the excess. Despite asking for the bill several times, I have not been successful. I ended up sending the incorrect bill to the insurance company, which took a long time to resolve. As a result, the Leasing company put a late balance on my account, and I'm facing difficulties with my credit score.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX {$650.00} XXXX. XXXX XXXX {$3500.00}
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I sent a message to M & T Bank to request if it was possible to change the due date of my camper loan. About 2 weeks later I received paperwork in the mail to change the due date. As the camper loan is in both my name and my husband 's name we both signed the paper, I took a copy for my records, and placed it in the mail on XX/XX/XXXX. When no changes were made to the account in XXXX I thought perhaps they require a full billing cycle to make the change. When the change still was not reflected in XXXX I attempted to call the bank with no success. Every time I have attempted to call, which has been over a dozen times, I am looped through their menu and regardless of what options I choose it always ends with a message stating they are experiencing a higher than usual call volume and can not take my call so I should try at another time. After I was unable to reach anyone by phone I sent a message on XX/XX/XXXX through their secure message system on the bank website asking why my account still did not reflect the due date changes. I did not receive a response until XX/XX/XXXX informing me that they never received the mailed paperwork. I was told I could mail a copy again or fax it to a number they gave me and the changes would only take 2 business days to be reflected on my account once they received the paperwork. I chose fax so that I could be sure it was received this time. I faxed the paperwork to M & T Bank on XX/XX/XXXX and received confirmation that the fax was successfully transmitted. It is now XX/XX/XXXX and my account still does not reflect the changes and I have attempted to call 6 different times on XX/XX/XXXX with every call ending with the message indicating they were experiencing a high call volume and to call again later. I sent a message through their secure message system on the website on that same day, XX/XX/XXXX and still have received no response. Our camper dealer secured this loan and we had no idea there are no physical locations anywhere outside of the eastern United States. We live in Colorado and since their phone system is either unmanned or grossly inadequately manned we are literally at their mercy. I have no recourse and I can not reach anyone at this bank to find out why we have been actively working for 4 months to make a simple 10 day change to our loan due date and can not seem to accomplish this. It causes me great concern as to the reliability of this bank and as a loan holder through them I feel incredibly helpless to do anything but continue paying my loan for the next 12 years.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXXXXXX Date Opened : {$360.00} XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

We applied for modification with our mortgage servicer  Nationstar  on  XXXX   XXXX ,    2017  and it took them several months to ultimately deny our request. During all that time and numerous contacts ( close  to 75 phone conversations and at least 20 written communications ) they never mentioned one single time that being late on our mortgage payments WILL 100 % negatively impact our ability to refinance if our    modification is denied. They did n't say that there are guidelines which all the banks  have to follow.     I believe that our mortgage company intentionally chose not to share that information with us in order to get us exactly where they wanted us : - Now we can not qualify for refinancing with ANYONE until we bring our account current and are stuck with the 8.5 % interest for minimum of 12 months with Nationstar.     We could have borrowed the money to make payments on time during the process and would have been able now to refinance without a problem with the kind of equity we have. Instead, we 'll have to pay an extra  $ 12,000+ in interest until  we can even apply for refinancing.     I hope somebody who 's reading this will see through an unethical practice of this financial institution and penalize them heavily for hiding the facts in such a sleazy way!!!
Product: Money transfer, virtual currency, or money service

I tried buying a XXXX  game acount a got scammed
Product: Credit reporting or other personal consumer reports

Greetings to the good men and women at the CFPB. Thank you for your service. On XX/XX/XXXX I notified EQUIFAX that my credit was reporting inaccurate information due to the EQUIFAX DATA BREACH OF XXXXXXXX XXXX XXXXXXXX. Which I am a victim of. The information was brought to my attention because I am currently buying a home and my agent told me that the deal can not be done with a charge off on my report. I immediately called EQUIFAX to promptly fix this situation. The representative from EQUIFAX demanded that I mail in a copy of my social security card and ID to allow them to verify who I am. I explained to the representative that I dont feel comfortable giving my social security card to a company that leaked millions of Americans personal data. He said it was the only way to fix it. I notified the agent that EQUIFAX is violating the FDCPA and the FCRA by continuing to report information without permissible purpose and without a contract giving them the authority to do so by the consumer. The agent disregarded my statement. I now can not close on a home for my family because EQUIFAX refused to remove the fraudulent item from my report. This is devastating to me and my family
Product: Debt collection

These folks keep calling and are asking me to return a call about a debt that I owe however when I attempt to call them I am put into a never ending loop and I get to speak with no one. They have also put something on my credit report that I know nothing about but since I can not speak to anyone I can not get resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XX/XX/22 XX/XX/22 XX/XX/22 XXXX XXXX reported that I had paid late these months, which is untrue. A blatant lie to tank my credit. 

From the day I opened this account with them, I have had automatic full payment every month from my debit card, and these three months, I also had an over balance/ credit of approximately XXXX  XXXX. It would be IMPOSSIBLE to have a credit of over {$1000.00} each of these months and still have a late payment when there was no charge to the card. Make this make sense. If I have overpaid and have XXXX accounts, how does one make a late payment when mathematically impossible? 

XXXX XXXX has been conducting itself fraudulently continuously to ensure that it can not open another card and leave them because they are exploitative and disgusting.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised
that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

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