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

XXXX  did a criminal background check on me and they took longer than expected to complete. Once I did get the information presented to me they reported fraudulently a felony criminal charge that was not accurate. I was told by the representative " XXXX '' I believe when I called in that Nevada was reporting the charge as a felony.I did immediately ask to speak to the compliance department and was transferred to a voiceless voicemail. I left a message. When I called to Nevada to verify what the issue was the clerks office did report that the company was inaccurate and the the only charge being reported publicly should have been a XXXX XXXX XXXX aka XXXX   XXXX. I left the contact number when I called a second time to the compliance voicemail for XXXX  which was for a supervisor by the name of XXXX or XXXX at XXXX for the XXXX XXXX justice court criminal division. This has caused me not only a further delay in my potential employment but the inaccuracy can now completely revoke my eligibility for employment.
Product: Credit reporting or other personal consumer reports

EXPERIAN is obligated by the FCRA to report accurate accounting, responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and CBNA whether it be verbal, non-verbal, written, implied or otherwise is revoked! 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. CBNA Never informed me of my right to exercise my nondisclosure option. also 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Experian are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. CBNA " I am opting out of your reporting services.
Product: Mortgage

Hello, I am writing this complaint in regards to my mortgage company ( Seterus ). 

I purchased my home originally in XX/XX/XXXX for approximately XXXX in the City of XXXX California. My original lender at the time was XXXX XXXX and at some point it transferred to XXXX XXXX XXXX and now it is ultimately XXXX. 

In XX/XX/XXXX I faced some financial difficulty and filed Chapter XXXX Bankruptcy. I successfully completed my bankruptcy and received my final decree. 

I started paying Seterus directly through their automated phone system in XX/XX/XXXX and have not missed a payment since that date. I reached out to Seterus on at least three separate occasions because I still have never received any statements from them nor was I allowed access to view my account via internet. Each time I spoke with them they told me my bankruptcy was under some final review and it would take a few days for them to finally grant me access to their website and begin receiving statements from them. 

Recently ( XX/XX/XXXX ) I noticed somebody taking pictures of my Home and when I approached the subject he informed me my home was headed for foreclosure. I again called them and they advised me they would look into the matter to get my records current. Today ( XX/XX/XXXX ) I received a call from a Seterus representative and they told me I was approximately {$5000.00} behind on my mortgage. This is surprising to me because I have not missed a payment. 

So I guess what Im asking is what can I do as a home buyer. My monthly mortgage is {$2300.00} and I have proof all my payments are current. Their highly unpleasant representatives only tell me they will start foreclosing if I do not become current. 

Any recommendations as to who I should contact? My apologies if this is not your specialty and you took the time to read this. 

Thank you for your time,
Product: Debt collection

XXXX XXXX XXXX has been calling me for years. I talked to them a couple of times, but refused to send me any kind of documentation. I will not pay a bill over the phone and/or without a written demand letter. I sent them a letter last month requesting written documentation regarding the debt. I received two documents from them in response. 
However, both state that the documents were " Not an attempt to collect a debt ''. If they are not trying to collect on a debt, then why are they calling 2-3 times a day, every day of the week? They even called this morning at XXXX XXXX and XXXX XXXX and they have now called me at XXXX XXXX. Each time, never leaving a message. They either need to send me a demand letter or stop harassing me and remove their names from my credit reports. I also need a letter from someone stating that. Thank you!
Product: Mortgage

Received a letter dated XX/XX/XXXX that I was short in escrow by XXXX and my payment will go up XXXX a month. Called no one answers. Spoke to XXXX on XX/XX/XXXX she said she could spread balance out over 48 months. Not the answer Im looking for as I am not short in escrow. I had a balance of XXXX in escrow. I told her if they charged me this amount there would be an excess of XXXX at the end of the year. She said they could only keep XXXX in account at end of year. XXXX said to speak to supervisor XXXX XXXX. Left her a message she never called me back. XXXX said XXXX would call back in 48 hours. On hold multiple times over the course of the next few days sometimes 2 hours plus and no one answers. Spoke to XXXX in XX/XX/XXXX she said XXXX is working in escrow account. Requested trust ledger from XXXX XXXX ( my loan was transferred to Gregory funding on XX/XX/XXXX ) escrow balance at time of transfer was XXXX called on XX/XX/XXXX and XXXX stated it could take a month. Called on XX/XX/XXXX and no one answers your just on hold over a half hour. My current escrow balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent an investigation request to XXXX, XXXX, and XXXX XXXX. I am attaching a copy of the request I mailed in. As of today, only XXXX has responded. I was supposed to get a response by XXXX, and we 're almost through XXXX now.
Product: Money transfer, virtual currency, or money service

Hello, I am reaching out to you in regards to a dispute I had with PayPal over two payments I made to a person who in fact turned out to be a scam. PayPal denied my dispute and frankly I'm confused and surprised. I did not receive the item I paid for or anything at all for that matter. The payments I'm disputing were for {$100.00} on XX/XX/XXXX and {$200.00} on XX/XX/XXXX. I have all the text messages, an email from a fake shipping company as well as an email with pictures that were taken off of the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  have failed to acknowledge my dispute and correct my credit report. XXXX has failed to acknowledge my dispute by continuing to send a copy of my credit report, oppose to verifying my disputed and violating my rights under the FCRA.
Product: Mortgage

The lender lied stating my husband had {$100000.00} in his 401K and he didn't causing us to lose our {$2500.00}
Product: Debt collection

I have had multiple issues with Universal Acceptance Corporation ( UAC ) They call and text me the day the loan comes due, calling multiple times a day even though I have told them I can not talk on the phone while I 'm at work. They refuse to talk to me via email even though that is really the only way I can communicate during week days, which I 've told them multiple times. They have emailed me just to tell me they ca n't email me however. 
I told them I switched jobs and needed my due dates changed to match my new pay days. They refused to do so until I sent them a copy of two pay stubs from my new job. The issue with this is that I wo n't get my pay stubs until after the pay check is received. During this time, I will be accruing interest. 
Another time I told them I had to spend {$500.00} to get the car fixed so I would be late on the payment. They required me to send them a receipt of the work done. Not to reimburse me, but to prove I was n't lying. They would not extend help to me otherwise. 
Another time I was taken off of a payment plan that I had set up with them because I under paid by XXXX cents. I was told a flat dollar amount which I paid. The neglected to tell me of the XXXX cents. I feel as though they have been extremely abusive in the way they collect debt and that I 'm being pushed in a corner so I owe them more.
Product: Checking or savings account

On XX/XX/XXXX I mage a typo while requesting a bill pay check. The amount was suppose to be {$1200.00}, I forget to add the decimal and requested {$120000.00}. I immediately went back in to bill pay cancel it and request the right amount with 5 minutes. On Monday I realize that I didnt have access to my online banking. I called Regions bank and was transfer to e banking fraud department. The gentleman kindly explain to me that the problem was the check where I made a typo. He restored my banking privilege and said that my bill pay should be back up in 5 to 10 minutes. Since then nothing. Everything is bouncing. My credits cards are freeze because of return payments. I do not have access to my account. I have called several times with no success. Went to the branch. I filled out all the paperwork and I still do not access to my bank account. This is so frustrating for a simple issue
Product: Debt collection

The debt was incurred when I was taken to the hospital in XXXX of XXXX. I was using my mother 's insurance at the time and the insurance company wasn't even supposed to charge me because we'd already paid the deductible. They proceeded to send me the bill anyway, even though the bill should not have existed nor been sent to me since I don't pay the insurance premium. Then the bill was sold to the company currently holding it and they refused to remove it from my credit report, even after a dispute I filed on XX/XX/XXXX.
Product: Student loan

I went to XXXX XXXX XXXX, the school claimed students would would get high paying jobs right out of college. The school pressured us into signing up saying the rates would change and increase, and also said they would provide job placement. It later changed to job placement assistance. The school over charged for the services and as a result was closed down. I understand there is an ongoing class action lawsuit against the institution for these reasons. They never got me a job, I never got a job from any of the so called assistance they provided. They signed me up for private student loans to help pay for the expensive tuition, and said I would make plenty of money right out of school to pay it back. The whole time they were taking out many loans per semester instead of one loan. As a result the interest rates eat up all the repayment made. I have consolidated these loans and still have 3 totaling XXXX with high interest. I went to XXXX from XXXX. I would like to know if these loans will be cancelled as a result of this lawsuit. I had to file a complaint with the CFPB back in XXXX due to struggling to pay back these loans. They offered a temporary reduction in rate. My loans had to be put into a 3 month forebearance. I have paid on the loans 8-13 years and there is still a large balance. Navient and XXXX were stealing from students trying to better their lives. Predatory loan is an understatement. 

Now this has been proven in a federal court. They should have dismissed my loans according to the ruling. I was told since I made my payments on time I would not get my loans dismissed. I have paid XXXX plus on {$13000.00} of loans. I have been misled and robbed. They claim I still owe XXXX dollars even though the loans were ordered to be dismissed. I believe they made another ruling on this in XX/XX/XXXX. Please advise me of the status and how I can handle this predatory lender. The payments have been mishandled. I would like the loans removed and I would like a refund.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING. I REQUESTED CREDIT BUREAU BLOCK THESE ACCOUNTS PURSUANT TO 605C OF THE FAIR CREDIT REPORTING ACT. THEY HAVE STILL CONTINUED TO NOT COMPLY WITH MY REQUEST.. I ATTEST THAT THIS INFORMATION BE REMOVED PROGRESSIV | 2024-07-23 : VICTIM OF XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION XXXX OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT
Product: Credit card or prepaid card

As per the original complaint, XXXX XXXX XXXX XXXX sold me a service using false information and when I attempted to use the warranty a year later, they informed me of the real rules and services.

Except, even under the 'actual ' rules, they failed to provide timely service, with a contractor keeping me hanging for 6 weeks.

I tried to resolve with them; tried to book additional services that they rejected immediately, and ultimately asked for a full refund and a cancelation of my contract.

They refused.

Bank of America did nothing to resolve ; I reached out to the FTC and CSPB, and was assigned XXXX XXXX from BofA to resolve. I just received a letter of denial and was on a call this morning ( XX/XX/17 ) at XXXX ; BofA stated in the letter they did not receive information from me, while on the call the agent told me they had informed me from the start that they could not recover as it was after 90 days. 

If this were true, why did they ask me to work to provide a massive amount of evidence, go through all the steps again, and require me to get an order from the FTC/CSPB to spend these months with 30+ faxes, 11 emails, and 6 not returned phone calls for this matter?

Bank of America is just as guilty of not telling the truth as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX : ACCOUNT # XXXX, has violated my rights. 

I Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car.

15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.

15 USC 1681 section 602A states I have a right to privacy.

15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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: Money transfer, virtual currency, or money service

Cash app gave inadequate customer service and no feedback provided. Helped with ZERO complaints. The dispute process is untimely, ineffective, and unprofessional especially when dealing with fraudulent situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX 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 state a consumer report agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I have three Capital One accounts that are reporting six late payments each. I made payments which are reflected in Capital One database. 

I want those late payments removed from my credit files. I have submitted several disputes without results. 

Capital One Platinum XXXX XXXX XXXX XXXX  Capital One Spark XXXX XXXX XXXX XXXX Capital One Platinum XXXX XXXX XXXX XXXX I want the inaccurate late payments removed.
Product: Credit card or prepaid card

Chase bank charged me {$95.00} annual fee for my Chase mileageplus explorer credit card on XX/XX/XXXX. And I always keep the card in a good condition without any late payment. However they closed my Chase mileageplus explorer credit card this XX/XX/XXXX without refunding any annual fee. I paid the {$95.00} annual fee for the annual service, but they just provided three months service without any refund.
Product: Money transfer, virtual currency, or money service

I work XXXX an just opened an account with Wave, to process my client 's payments. One of my clients paid me {$5100.00} for work I completed two moths ago.

After receiving a bank transfer from my client, an ad agency, my money was frozen by Wave and I have been unable to access the money I was paid for completed work for the last 14 days. 

I have been given NO REASON why my account was flagged. 

I provided all documents requested, but have received NO UPDATE regarding when I can expect to have the issue resolved. 

I have been provided NO TIMELINE for when I could reasonably expect to access my money that I was paid for work I already completed. 

A cursory XXXX search shows this has recently become a problem for many with new accounts. 

It is obvious Wave is holding client money that has already been cleared in their Wave run bank accounts for extended periods, thus generating a profit for Wave from the interest accrued by client money they are illegally holding. 

Wave doesn't provide any information to user whose money they're holding XXXX. 

Wave also doesn't have any way to contact an actual person. Nobody responds to email, and now " chat '' a feature I pay for is being blocked so I can't chat with customer service. 

Thousands of dollars that belong to me are being held, and Wave refuses to update me about the situation, and I can not contact them. 

This is directly affecting my business and my livelihood. This company is obviously engaging in questionable, possibly illegal, definitely unethical behavior.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date XXXX XXXX : XX/XX/2023
Product: Debt collection

I have tried disputing this debt directly with Capital One since XX/XX/2022 to no avail. This account is fraudulent and I have submitted a police report to Capital One which states that I was a victim of identity theft and they still will not remove this fraudulent account from XXXX credit report. When I contact them via phone about my dispute ( Capital One dispute case numbers XXXX XXXX or XXXX ) and when I receive letters in the mail, they do not specifically state why they refuse to move this account from my credit profile and why the police report that I submitted is not sufficient. I also had another fraudulent account that someone opened in my name with Capital One and when I disputed it by sending in the same police report, they removed that account from my credit profile. So why is it that the police report is sufficient enough for Capital One to remove one fraudulent account from my XXXX credit report but not the other fraudulent account? I am submitting a copy of my most recent dispute letter, police report and Capital One 's most recent response as supporting documentation.
Product: Debt collection

My credit report shows several unauthorized and incorrect accounts. Please block and remove these fraudulent entries right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Try to dispute an account that is over 7 years old. New City Funding repossed the vehicle in XXXX and wrote it off. They now after 7 years are coming back and adding it as a new account on my credit report with XXXX. I tried disputing it twice throught XXXX  both times they came back and did not remove it. They have documentation on file showing this account is past the 6 year statute of limitations in the State of NY. NCF wrote off the account and are now trying to double dip 7 years later and XXXX  is refusing to remove the account from my file. The amount of the write was {$2300.00}. The dates I contacted both companies was XX/XX/XXXX when the account was noticed on my report and again on XX/XX/XXXX. The account still remains
Product: Debt collection

In XX/XX/XXXX I pulled copies of all 3 credit reports from the credit bureaus. I noticed I C Systems Collections listed as a collection account. In XX/XX/XXXX I disputed with all 3 bureaus and it came back as verified. On XX/XX/XXXX I sent a certified letter demanding validation of alleged account. ( Certified mail receipt enclosed ) Prior to this I never received a dunning notice. I was never notified within 30 days of placing negative information into my credit file.