23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Today XX/XX/XXXX, XXXX XXXX from ShellPoint mortgage servicing called me and told me she wanted to help me but I had to tell her how because my complaint it is all over and i told her it is a response to all the fees and extra charges they say I owned them She told me in current up today then I explained to her that when I got my loan modification With a lawyer help and the court too. I got 2 loans. The first one was for the new charges escrow and lawyers fees and few other charges and the other one was supposedly for what I owed in the house. she told me she did not know it and she is going to look into my loan modification contract and she will be back to me. And my new complain is about it they have my mortgage loan for less than a year why they keep Harassing me when they don't even know anything about my loan. they came and took over change my 2 loans into one they keep charging me for a late fee I was not supposed to have until I finished to pay one that was the government help I had at the time corrupted XXXX  XXXX XXXX never charged me for any late fee or extra charges but they sold my account to the other corrupted company XXXX XXXX and shellpoint mortgage to change my loan terms. first they say I was into a bankruptcy and that was a lie they claimed I owed {$5000.00} or more and now they are saying the extra money I've been sending them it is for late fee they keep making claims that they invent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I reached out to Victorias Secrete in reference to inaccurate late payments on my credit report that varied from bureau to bureau. Just today XX/XX/2020 I received an update that Victoria Secrete had updated my credit report showing my account late as of XXXX and XX/XX/2020 when the account closed XX/XX/2020 and paid in full. They then went on to report that I was currrent XXXX and XX/XX/2020. This is against the law to do what they are doing. This account was closed. I should have NO LATE PAYMENTS. I AM TRYING TO PURCHASE A HOME AND THIS NEW INFORMATION THAT THEY HAVE UPDATED XX/XX/2020 TO REFLECT I AM 30 DAYS LATE AS OFXXXX AND XX/XX/2020 IS OBSURD AS MY ACCOUNT WAS CLOSED AND PAID IN XX/XX/2020. THEY ALSO REPORT THAT I AM CURRENT AS OF XXXX AND XX/XX/2020 ON A CLOSED ACCOUNT. MAKE IT MAKE SENSE! I AM DEMANDING THE LATE PAYMENTS ARE REMOVED, NOT THE ACOUNT THE LATE PAYMENT
Product: Vehicle loan or lease

On XX/XX/XXXX, I applied for a car loan for a XXXX XXXX XXXX. I was told that I was denied credit based on factors that are still unclear. Once I mentioned that it was unlawful for them to deny me credit without a counteroffer, I received a voice mail from the dealership stating that one bank has approved me, but that I would have to pay {$12000.00} USD down in order to be granted the credit. The Federal Trades Commission Prohibits unfair and deceptive practices during the car buying process. When I emailed the bank they wrote sorry you didn't meet the requirements moving forward reach out the the dealership pertaining to the loan.
Product: Debt collection

XXXX XXXXXXXX XXXX had a account with me in XXXX XXXX. Account was closed in XXXX XXXX. They stated a balance was still owed and that was payed on XX/XX/XXXX after the account was closed. XXXX did not honer payment and instead reported credit at 108 % above limit to prevent consumer from using any more credit in future. They continue to do so in XXXX. Trans Union and XXXX ignored file discrepancy to support bank
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In or around XXXX 2016, I paid the credit card balance in full for the amount of {$640.00} for my membership in this correspondenc Accounting Course. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory account from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Dates below a creditor Synchrony Financial continues to inquire unauthorized 'Hard Inquiries ' on my credit report. All inquiries made by this company listed below are unauthorized 'Hard Inquiries ' : 'Hard ' Unauthorized Inquiries : SYNCHRONY FINANCIAL ( Finance ) XXXX XXXX, 2021 SYNCHRONY FINANCIAL ( Finance ) XXXX XXXX, 2021 SYNCHRONY FINANCIAL ( Finance XXXX XXXX XXXX, 2021 XXXX
Product: Debt collection

Company called me 10 times in a row Company called my job about debt Company sent strangers to my house to harass my family and i Company sent fake law suit to me
Product: Debt collection

XXXX contacts me, via phone, through my place of employment in an attempt to collect a debt. I 've asked ( verbally ) for them not to, yet still they call. 

They do not need to contact me at work when I have a working home phone and XXXX mobile phones. They know those numbers because they have left several voicemails. This is unacceptable.
Product: Debt collection

I am filing a complaint against NCB Management Services due to their failure to validate a debt that they claimed I owed. 

Details of the Complaint : On XX/XX/year>, I sent a letter via certified mail to NCB Management Services requesting validation of a debt that they claimed I owed. In this letter, I also asked for proof that this information had been sent to me prior to being added to my credit report. 

Despite the certified mail, as of XX/XX/year>, I have received no response from NCB Management Services.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I spoke with this company several time about the debt was paid before this collection agency picked up this debt. Then I asked them to remove the negative ite that is reporting on my credit report.
Product: Debt collection

Gentlemen, I had an account with XXXX ( XXXX XXXX  ) it went to Collections. XXXX XXXX XXXX, XXXX was assigned the account. I settled and paid this account XX/XX/2019. Since then A debt collector named Resurgent Capital Services claim I owe this account thru them. They claim the account numbers do not match. I contacted XXXX XXXX  directly and they stated this account was sent to XXXX XXXX XXXX, XXXX. I have contacted Resurgent Capital Services and they refuse to accept this. I also confirmed with XXXX XXXX they I only had 1 XXXX Account.
Product: Credit reporting or other personal consumer reports

Social security number XXXX my complaint is that on trans union there XXXX charge off accounts that's don't suppose to be on my credit report I have a federal trade commission report on file trans union suppose to block the negative items that's charged off or remove it and the other twos accounts wells fargo and the one that XXXX  days late theirs a total of XXXX negative items
Product: Credit card or prepaid card

In XXXX was offered via my account three options to get caught up on my account. It was in the negative because my daughter used my card while I was on medical leave. I chose the one where you make four bigger payments with no interest. With that, I would have money available to use and my account would be out the negative. After the four months then the interest and regular payments would start. I was charged XXXX XXXX plus dollars in interest per month. The bigger payments did not affect my account in a positive way. It is still in the balance is still in the negative. I was mislead. When speaking to customer service they stated it was nothing they could do! It states it was third party but the offer was offered in my account. When I logon to check my account and pay the bill.
Product: Credit reporting or other personal consumer reports

It appears that under FCRA 605B, we must eliminate any incorrect accounts from my credit report. Would you mind checking the documents? Some accounts have errors in reporting, amounts, and dates.
Product: Credit card

I had a XXXX XXXX credit card ( I closed the account a couple of minths ago due to a number of issues with the company ). I paid my balance in full in XX/XX/2024. I asked the company ( and rec 'd ) a letter stating that my account was paid in full ; however this month I am charged finance charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Interest rate on second mortgage increased, auto payment was not increased by lender. XX/XX/2013. 

Problem was fixed, after intervention by CFPB. 

Negative report was re-added to credit history last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account # XXXX is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1500.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Checking or savings account

I opened a Citibank checking account on XX/XX/XXXX under a promotion to earn XXXX AAdvantage miles if I deposit {$15000.00} in new funds ( within 30 days of account opening ) and maintain the balance for 60 calendar days. On XX/XX/XXXX, I contacted Citibank at ( XXXX ) XXXX to inquire about the status of the promotion. A bank rep reviewed my account and stated I have met the requirements but it will take about 90 calendar days of meeting the required activities before the bonus points is posted. I waited until XX/XX/XXXX and the points still have not post. I call Citibank again to inquire on XX/XX/XXXX. The rep reviewed my account and stated I did not qualify for the bonus because I did not deposit $ XXXX within 30 days of account opening. I asked the rep to ( a ) review my account notes as to why the prior phone rep have confirm my promotion qualification and ( b ) check the external history record where it show a $ XXXX was transferred from an external financial institution. The rep could not locate any notes from the XX/XX/XXXX conversation. She viewed my account and said that although I deposited $ XXXX by XX/XX/XXXX, as a new bank account the hold period take longer and funds were not available until XX/XX/XXXX. Since XX/XX/XXXX is beyond 30 days beyond account opening, I do not qualify for the promotional bonus. 

According to my bank record, I deposited $ XXXX by XX/XX/XXXX and Citibank should not use fund availability date for calculation to deprive my account of the bonus. The terms of the promotion state " deposit {$15000.00} new-to-bank funds in the Eligible Checking Account '' not funds availability. Copy of screenshot of promotion terms attached.
Product: Credit reporting or other personal consumer reports

All companies involved have infringed on my right to privacy as granted by federal law and failed to provide necessary disclosures. I have tried to resolve this issue amicably now I am requesting immediate action. Please delete these information from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Product: Credit card or prepaid card

I am a victim of wire fraud. I am a Wells Fargo account holder and XXXX + was stolen and transferred into a XXXX XXXX XXXX Account. The thief used a different phone ( sim ) to get past the authorization so that they could transfer and steal my money. 

Wells Fargo assigned a Case number to me and told me that they would return my money to my accounts after their 10 business days hold. Needless to say, Wells Fargo determined that I would not be able to get my money back because they ( XXXX ) was unable to retrieve the money from the XXXX XXXX Account. Wells Fargo gave me the account number and the name of the business where the funds went but they won't give me the money back. So much for FDIC ( Insurance ).

I have uploaded a letter and additional supporting documents so that it would assist you in any investigation that you might initiate. 


XXXX XXXX XXXX XXXX or XXXX
Product: Credit card

Store had signs and employee offered a promotional {$100.00} off my purchase which was over {$1000.00} for signing up for a Home Depot credit card. I did not receive the {$100.00} off and was told to go talk to customer service. Customer service told me it was because it was the weekend and I'd receive a coupon Monday. I said ok fine since I'll make another {$1000.00} purchase soon. I've yet to receive the promised coupon. Employees and the promotional signs indicate that you'll immediately receive the discount upon signing up with your first purchase, which is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several addresses on my credit report that I have never lived at I was a victim of fraud and I need to make sure no one is apply for loans in my name at some strange unknown addresses. Please remove the following addresses : XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Checking or savings account

Jp morgan Chase attempted fraudulent charges against my new account after a fraud alert was placed upon an old checking and savings account. I did not accept any outside checks to my compromised account.Only US treasury checks which I receive from the US XXXX XXXX  and the XXXX.US XXXX  which do not bounce.After notifying the bank of the error. I was billed against my new account from the previous denied checks.When asked who sent them or how did they get into my account. I was told nothing concerning this. Speaking to their several departments of customer service, check claims.on-line banking and their fraud dept. Nothing has been done. I living on a fixed income can not comprehend the callousness with whichever they handled or should I say not handled the matter, but began the game of stonewalling against they obvious mistake. I have no finances with which to recompense their fraud and am now appealing this case to you for further inquiry. I did make an initial over the phone claim where I was recorded and type casted into the consumer financial protection agency 's system by a very competent operator. Unfortunately I can not find the complaint number. Please verify my complaint against this financial institution having them to retract this false amount of {$700.00}. against me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, Experian consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i. Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681i ), consumer reporting agencies are obligated to : Conduct a reasonable reinvestigation of disputed information to determine whether the disputed information is accurate.

Delete or correct any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I have listed the accounts below that I marked as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are continually Abusing their Authority in this Country by violating and abusing my rights : Compelling deposition on a 7 year old debt with unethical practices only drives me to have to sue Capitol for emotional damages. Currently their lawless attorneys have compelled an illegal deposition for a closed case that has a default judgement with no new legal evidence to provoke harassment of the judicial system and I. Capitol One, thru their attorneys sent a lawless man to my home that is a criminal to try and serve me after this case was closed. I had to put an injunction on that criminal of a person that illegal came to my house. Now Capital One, their Attorneys, and that lawless individual that did criminalistic activities to my family and I are getting sought after for weaponizing the law with violence and noncompliance. Capitol One already reported to my credit for 7 years. Now, they're throwing a tantrum violently. I've requested they dismiss their deposition in an attempt to save them from a lawsuit. They refused to take it. So, now they'll have to receive the consequences. Capitol One needs to submit a dismissal with prejudice on Florida Case XXXX in XXXX XXXX XXXX XXXX XXXX for the following reasons. I'd like {$300000.00} because 2 of my innocent family members and I were harassed, stalked, and violated thru Capitol One 's negligence.

15 U.S.C. 1692e -False or misleading representations 15 U.S.C. 1692d -Harassment or abuse 15 U.S.C. 1692f - Unfair practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all the unauthorized inquires immediately. Here are the dates and inquiries : XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX
Product: Debt collection

AMSHER COLLECTION SERV Contacted me in XX/XX/ via phone about a debt from XXXX XXXX, but did not send written confirmation. I would like to have this account closed and removed from credit report. I would like to note that the original creditor is XXXX XXXX and they did not send me a final bill or statement as well. When I asked representatives to email or mail me a bill, they refused.
Product: Debt collection

I Had Identity Thief In XXXX By Criminals And In XXXX XXXX XXXX Took My SSN 4 Times Now Its a Dark Web. and opening accounts. 

And Never Receive Service. Been in A Dark Since XX/XX/XXXX I Contact XXXX And Fake XXXXXXXX Lied They Not Works For XXXX XXXX XXXX Fake I Have Him In The Feds Too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ext XXXX Option XXXX I Contact Him So Many Times And Never Answer The Phone??. I Want Justices Have Him Removed Fake XXXX XXXX Stealing My Information.
Product: Mortgage

Was behind in making payment got help and then start making my monthly payment and after three consecutive payments and reaching out to the CEO of the company my payments were sent back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion showing payment when i dont have a payment lowering my fico score