23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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: Mortgage

I received an escrow shortage letter and wrote Wells Fargo my mortgage lender about it with a certified letter. They are stating I am short XXXX on my escrow account and I am not. I paid XXXX into my escrow account last year and my new insurance rate dropped to XXXX They are stating if I do not pay them the shortage my payment will go from XXXX per month to XXXX per month. 
This is totally incorrect.
Product: Mortgage

I refinanced my home through XXXX XXXX XXXX XXXX in XXXX 2016 and it was immediately bought by Freedom Mortgage. Freedom Mortgage then failed to pay my supplemental property tax bill from my escrow account that was due on XXXX/XXXX/2016. When I contacted them to notify them of the missed tax payment and penalty assessment, they said to email them the documents and they would take care of it. They immediately paid the tax bill, but also paid the tax penalty from my escrow account. 

When I called to complain that the tax penalty was due to their failure to timely pay the tax from my escrow account, they said they were not responsible for the supplemental tax payment but made it for me as a courtesy. The supplemental tax bill was issued months before I refinanced by home and prior to Freedom Mortgage purchasing my loan. In short, Freedom Mortgage bought my loan, failed to pay my property taxes on time, and then said I was responsible for the tax penalty for their failure to pay my property taxes on time.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be removed by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$170.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00}.
Product: Credit card

I attempted to make an XXXX dollar payment to paypal XXXX XXXX on the paypal app XX/XX/2024. After the first attempt my screen was white, I tried again for XXXX same thing, again I tried for XXXX nothing. I logged onto the computer and paid XXXX which worked. The XXXX was the ONLY thing showing in my pending payments. The NEXT day the XXXX went through with my bank and all was well. On the XXXX the 3 failed payments suddenly went through absolutely putting me into the negatives. How did this happen especially says later? XXXX was able to get one payment back from me but this put me in a horrible spot financially. The worst part is I was charged a returned payment fee. On the XXXX, 2 of the XXXX payments were returned due to insufficient funds.A WEEK LATER the 2 XXXX were taken out again without permission. Bank has continued to ignore XXXX on matter.
Product: Credit reporting or other personal consumer reports

YOUR COMPANY IS REPORTING AN ACCOUNT ON MY REPORT THAT IS REPORTING INACCURATE, INCOMPLETE & NEGATIVE INFORMATION ON MY CONSUMER REPORT. IT IS SHOWING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN ALL 3 CRA 's XXXX IT IS ALSO SHOWING INACCURATE PAYMENT HISTORY IN THE ACCOUNT BETWEEN XXXX, EQUIFAX XXXX XXXX. THIS IS A VIOLATION OF THE FCRA. THE ACCOUNT MUST BE DELETED FOR THIS VIOLATION. DELETE XXXX XXXX XXXX XXXX
Product: Mortgage

Recently I have received an adverse action letter from quicken loans stating they denied my credit application. I want to help quicken loans understand that in the process of a credit application which I have filled out and submitted to them, we are under The Truth In Lending Act. I have been denied credit by quicken loans for having excessive debt in other words my debt to income ratio is to high. 
I have to say Im very confused to the language quicken loans is speaking. I need a senior executive to help me understand and define the words they have provided to me listed under the truth in lending act : DEBT INCOME LOAN BORROWER.

Due to the fact that they are not defined under the truth in lending act I dont know what they mean and Quicken Loans doesnt have the capacity to make up definitions for those words under truth in lending act. In other words they are operating fraudulently because they cant define them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Credit card I had the card for my business ( XXXX XXXX ) the card never reported to my personal credit. and showed a perfect payment history on my XXXX credit. 

One Day I used it for a large purchase, ( XXXX ) I made some large payments ( XXXX ) payments, made 3 had a smaller balance left. and then It wouldn't let me make a payment, I call and they said this card had to be paid off every month, but I have another XXXX XXXXXXXX XXXX  card for another business XXXX XXXX XXXX. I have never paid it off in the same month and I have never been reported Late. I paid the Balance in full on the XXXX XXXX for XXXXXXXX XXXX  and closed the account Opened an XXXX XXXX XXXX, Next month they reported my late on my Personal credit for 120 days and one 3 day late a few months before, Yet never reported to my personal credit before. 

I was never made aware, never got a call or email that I was going to be effected like this and now I have Late payments. I have been a customer of XXXX XXXX for over 15 years now. I cant ever close my XXXX XXXX XXXX personal card because now my score is low because of these late payment. 

I have called several times and disputed it on my credit report to no avail
Product: Student loan

My student loans were discharged due to XXXX  and XXXX  XXXX on XX/XX/year>. I filed for XXXX  XXXX protection about 5 years ago due to foreclosure on home in Wisconsin. A claim was filed by the U.S. Department of Educations office of Federal Student Aid or agents acting on their behalf with the XXXX  XXXX trustee. The entity that performed this action was Aidvantage. This claim was not valid due to complete and permanent loan discharges due to complete and XXXX XXXX. The U.S. Department of Educations office of Federal Student Aid was paid {$25000.00} or more for loans that had been discharged about 5 years before the XXXX  XXXX was filed. This was not a valid debt.
Product: Mortgage

I made my Mortgage payment for XX/XX/2022 on XXXX, XXXX 
I started receiving phone calls that I had not made my Mortgage payment. 
I called XXXX XXXX XXXX on Monday XX/XX/2022 to ask what the problem was. 
The lady told me she found they had applied payment to my principal and not the payment. 
She told me it was fixed and all good. 
I continued receiving phone calls and emails from Lakeview Mortgage saying if I didn't make my payment late fees were going to be added. 
They added them and sent me another statement saying my Mortgage was overdue and needed to be paid ASAP. 
I called them back today XXXX to find out what the issue was. 
I was told the problem was the payment was applied as Principal and not payment and she would fix it. 
I told her that I needed a new statement, not one falsely saying I had missed a payment. 
I was told that a new statement would be available in 5 business days. 
I explained to her I need the statement as I am buying a new home and my lender requested it. 
She again told me I had to wait 5 days for a statement. 
I can understand if it was my fault, but it is clearly Lakeview 's and not mine as he agreed. 
Explained to her I needed this ASAP as my current home is sold and I need to be out of my current house by XXXX. 
She again told me I had to wait 5 business days. 
I reminded her I had called a week earlier and was told this was fixed and her response was it takes 5 days for a new statement to come out. 
I told her again I had called the week earlier, and she told me again it would take 5 business days. 
IT is clearly their fault the way the payment was applied and I need this statement now and I should have gotten one from the last call. 
Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for a home and my realtor ask me how's my credit i was thinking it was pretty good until i actually checked it. Upon checking my credit report i saw a couple of items that are not mine. I need these items removed from my credit report XXXX, XXXX, XXXX XXXX, XXXX.
Product: Debt collection

I am the victim of identity theft. I followed XXXX XXXX XXXX 's steps of dispute, and they still refuse to acknowledge the theft. As per their dispute letter, I mailed XXXX XXXX XXXX a police report, FTC report, a notarized ID theft report signed by a police officer, as well as a letter. I sent it XXXX XXXX XXXX, and tracking information showed me it arrived to them XXXX XXXX XXXX at the address they provided. Recently, on XXXX XXXX XXXX, I received another separate notice of dispute, with them stating that they still believe their records are accurate to their knowledge. They did not release all that I have asked for the account. I have reason to believe the address they gave me may not be legitimate or they have not properly reviewed the updated documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Report XXXX your credit report for signs of theft, fraud, or error. 
XXXX XXXX  30 Days Late Real Estate {$17000.00} Status XXXX XXXX, XXXX XXXX Days Late {$200.00} This company has been committing fraud against me. It began with a disagreement about charging {$15.00} when my bank was bought out by another and the auto payment did not go through. 

There are several twists and turns in the story, but one account manager said they were holding a check I sent ... which was to quickly bring the account to date... it did not contain the {$15.00}. They did not cash it ... all the while struggling to get the autopay restored ( spent an hour with someone and unsuccessful ) .... so much nonsense... real malice on the part of an individual who deserves to be fired and sued for what he/she did.
Product: Debt collection

I 've been paying on debt with ASSET ACCEPTANCE , LLC and after several attempts i was unable to contact them and left several messages, i was also with a credit counciling : FAMILY Credit Management and they were unable to get in touch with them after several attempts, anyways we did finally contact them but them amount owed had changed several times and during payments i had them down to {$1400.00} and change when they informed family credit management that i was being charged with a 4 % interest and had no prior written agreement or acknowledgement, i finally paid them off this last week XXXX XXXX, 2015 or so through family credit management, when i asked family credit management for a detailed payment history to them the original balance was {$2500.00} and they told me it was {$2700.00} when i added up the payment history i received through family credit management it totaled more than {$3600.00} and i mentioned this to them and they blew me off. i would like to get some of money back and an explanation why i was told about the interest rate of 4 % on an old cell phone bill, too which I 'm still with the company.
Product: Checking or savings account

capital one bank is not allowing me to use my overdraft feature of {$250.00}. I only used {$160.00} of my overdraft fee feature when I called they basically told me theres nothing they could do despite my account meeting all the requirements to use this feature. This is an unacceptable inconvenience to a loyal customer of over five years.
Product: Debt collection

I am a victim of identity theft and noticed a collection from AD ASTRA. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I am writing to file a formal complaint against Navy Federal Credit Union for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It has come to my attention that Navy Federal Credit Union has been engaging in illegal reporting practices, specifically stating that accounts are closed every 7 days. This not only violates the FCRA but also constitutes harassment under the FDCPA.

According to the FCRA, each violation may result in a settlement of {$1000.00}. Therefore, I demand compensation for the damages incurred due to these repeated violations.
Product: Mortgage

In XXXX ( XX/XX/XXXX ), I obtained a home improvement loan through XXXX XXXXXXXX XXXX. At the time the loan was taken out, XXXX XXXXXXXX XXXXXXXX  filed a lien against my property for the loan amount ( recorded XX/XX/XXXX ). Sometime after that, XXXX XXXXXXXX XXXX changed its name to XXXXXXXX XXXX. There were multiple loan servicers assigned over the next few years. From what I was told by a representative from XXXX, they sold a portfolio of loans to XXXX on XX/XX/XXXX. They advised me to contact XXXX to resolve my issue as it was sold to them. I contacted them several times and no one could access the account and provide no information whatsoever. They indicated that they have no record associated with me. I asked to have the issue escalated in order to access what is likely an archived account. I sent an email to the department suggested to escalate the matter on XX/XX/XXXX and have not heard any information back from them. In addition, there was NO recorded assignment of this debt to XXXX. They can not provide me with any account information and say they have no record of me at all. I have no data on this as it was over 15 years ago when this began. I need XXXX to release the lien on my property as it is interfering with my ability to sell my property.
Product: Debt collection

I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided. 

Account Name : Bank of America XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Applied for a Speedy Cash Loan in Texas around XX/XX/year> for {$1200.00}. I paid on this loan per the agreement for 6 months via direct debit from my bank account. At the end of the term they told me I still owed the full amount and I was only paying what they called the CAP which is interest. None of the money taken out of my bank account was put towards the principal of the payday loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

While serving oversees my Idenity was compromised. The items below have been fraudulently opened and placed on my credit report. 

1. XXXX XXXX XXXX  2. XXXX / XXXX 3. XXXX XXXX 4.  XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX   13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was trying to get a XXXX car, they did a lot of hard inquiries on my report 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: Credit card

This complaint could be much longer and include many more details, but I will keep it as brief and concise as possible. 
I ordered a watch from a merchant, which arrived with several defects. XXXX of the defects was bent hands, and I took it upon myself to straighten them myself. 
I carefully checked the merchant 's terms and conditions before I did this, and there was nothing which indicated doing this would invalidate the warranty. When I notified the merchant about the problem and told him that I had fixed it myself, he immediately acccused me of lying and blocked my from accessing his website by banning my IP address. I asked to return the watch for a refund, as the merchant obviously was not going to honor the stated 2 year warranty. My request was denied on the grounds that merely opening the watch case voided the warranty - even though this was not forbidden in the merchant warranty policies. 
I disputed the charge on my credit card through Capital One, who sided with the merchant. It turned out that in the merchant 's response, he fraudulently altered the terms and conditions on his website in response to my dispute, and then submitted those in his rebuttal. In other words, the warranty policy that the merchant relied on in the dispute was not the same policy that was in effect when I made the purchase. It was XXXX that the merchant invented specifically to deny my claim. 
I provided proof of this fraud to Capital One in the form of screenshots of the merchant website, but they would not change their ruling. They only said that they had to base their decision on the merchant 's policy, even though I provided proof that the policy was changed after my dispute was filed. The specific changes can be seen in this screenshot : XXXX 
Afterwards, I contacted the merchant again, asking him how he justified changing the terms whenever he felt like it, without even notifying customers. His response was that it was always the " intent '' of the policy, he just made it " more clear ''. Unfortunately, as a customer who relies on the text of the policy as stated ( not the merchant 's intentions at any given time ), this leaves me at a disadvantage. And I do not believe that Capital One and Visa properly took this into consideration during my dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Money transfer, virtual currency, or money service

Upon trying to link my PNC bank account to my XXXX virtual currency account it was noted that PNC does not allow the connection between the two, presently. Please advise.
Product: Credit reporting or other personal consumer reports

I have a account with capital one auto finance and I have paid the balance in full and its showing on my credit report that account is open and balance is owed I will like this account to be updated correctly or deleted from my credit report I will be submitting documentation.
Product: Checking or savings account

My bank closed my account and denied my funds for no reason. I was told potential fraud to my account but I havent been engaged in any fraud and they had over 90 days to investigate but they refuse to give me update and release my funds. I have total of {$5600.00}. I provided full information on XXXX sender ID information with copy of his driver license and still I havent received response. I would like to appeal and fight for my funds
Product: Credit card or prepaid card

On XX/XX/19 I placed an online order with XXXX XXXX. While placing the order a screen popped up stating that I was pre-approved for a store credit card and if I opened this card I would received 25 % off of my current order, and the screen showed how much my new total would be with the discount. I signed up for the new card solely due to the advertisement and discount. When My order was place the discount for the new card ( 25 % ) was not showing. I emailed XXXX XXXX to inquire about the mistake and was told that the discount did not apply to what I purchased ( even thought it was specially marketed to that order ). When I pushed the issue and asked for the discount I was promised and for the inquiry to be removed from my credit eventually they did provide the additional discount but did not remove the credit hit. I only opened this card for that discount which was apparently a false advertisement. I feel like this was a deceiving advertisement and would like for the credit " hit '' to be removed since the card was opened under false pretenses.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX AND SEQUOIA FINANCIAL SERVICE Reporting to credit bureaus that I owe a debt of as of XX/XX/2022 ( XXXX mos ) in the amount of {$540.00}. However, XXXX XXXX XXXX and XXXX has no record of the debt, can not find the associated account, and can not verify my authorization of any such debt.