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

In XX/XX/, we ordered door cover At Lowes Store in XXXX XXXX. The order was Shipped to our house. The item was an incorrect design versus to the design we chose. The Lowes XXXX install it anyway because he the XXXX already damaged/ripped the door cover that we are temporarily using and told us to go to store and report about this wrong door cover that we received so a correct replacement order should be processed. The wrong door cover can be brought down once we receive the replacement and sent back to the store for refund. We went to the store as the XXXX  said and met with the XXXX and explained to him what happened. This XXXX assisted us in getting the replacement same door cover design that we picked originally. This XXXX even showed the catalog for correct design which the previous sales person never did. In short, the replacement to the wrong door cover was processed and I ask this XXXX after he finished the transaction if how the credit will be handled. XXXX even said that he gave a good discount for the trouble that was caused to us. The wrong item cost us {$500.00} and the replacement order cost us {$660.00}. After a month I do not show credit processed for the wrong item and ask the XXXX how it will be handled and he told us that no refund or credit will bone so I filed a dispute with the bank. Installation for the replacement was arranged in XX/XX/2022 but installation was refused by XXXX because I was told that I filed a dispute. I do not have the replacement order and I refused the installation after several months because merchant will charge me if I want it installed. I refused anymore of the installation because of what this merchant has put us through. All of this dispute issues were all communicated with the merchant and the credit card bank with all the support documentations and live recorded conversation that were documented as they say of what transpired in all my dispute conversation. My card has an ongoing charged including penalties of both amount and the credit card in their letter told me that the amount of {$500.00} will not be refunded at all because of the purchase contract even if the shipped merchandise is wrong. Credit Card bank continues to charge me of the Replacement order that I do no have in the amount of {$660.00}. All documents and my back letters will be provided upon request with the hope that will resolve my issues. I told the merchant and credit card back that what happened to us is harassment and discrimination for seniors like us and working on our relocation to XXXX XXXX. It also seems that this credit card company owns this merchant and seems protecting them more than a consumer. Please help XXXX seniors. This merchants XXXX us feel that we do not remember what went on. Thank you and I hope to hear from you soon. 
XXXX
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX am writing to formally file a complaint against XXXX XXXX and Experian for what I believe to be a violation of my rights under **15 U.S. Code 6801**, **15 U.S. Code 6802**, **15 U.S. Code 6803**, **15 U.S. Code 1681 ( b ) **, and **15 U.S. Code 1681 ( n ) **, in relation to the improper handling and sharing of my personal financial information with 3rd party affiliate XXXX. 

XXXX XXXX XXXX Violation of 15 U.S. Code 6801 **Privacy Provisions** Under **15 U.S. Code 6801** , financial institutions are required to establish privacy policies and practices to safeguard the confidentiality of their customers ' personal financial information. I have reason to believe that XXXX XXXX has failed to adopt appropriate policies and procedures for safeguarding my nonpublic personal information. 

XXXX XXXX XXXX  Violation of 15 U.S. Code 6802 **Disclosure of Nonpublic Personal InformatioXXXX XXXX15 U.S. Code 6802XXXX  requires financial institutions to limit the sharing of nonpublic personal information without consumer consent, except in specific circumstances. XXXX XXXX has violated this provision by ** [ describe the violation, e.g., sharing your financial data with third parties without your consent, not adhering to privacy notice requirements, etc. ] **. 

# XXXX XXXX Violation of 15 U.S. Code 6803 **Notice of Policies and Practices** Under **15 U.S. Code 6803** , financial institutions are obligated to provide customers with clear notices of their privacy policies and practices, explaining how their nonpublic personal information will be shared. I have not received a sufficient or timely notice from XXXX XXXX detailing their practices or obtaining my consent to share my financial information. This lack of notice further exacerbates the violation of my privacy rights. 

XXXX XXXX XXXX Violation of 15 U.S. Code 1681 ( b ) **Permissible Purpose of Consumer Reports** According to **15 U.S. Code 1681 ( b ) **, a consumer reporting agency or any financial institution may only access or share a consumer 's financial information under permissible purposes as defined under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has accessed or shared my financial information without a valid or permissible purpose, thereby violating this statute. 

I respectfully request your assistance in investigating XXXXXXXX XXXX actions and ensuring that they are held accountable for these violations of the GrXXXX XXXX, Fair Credit Reporting Act, and applicable consumer privacy laws. 

I appreciate your attention to this matter and request that you inform me of the steps being taken to resolve this issue. I would also appreciate any guidance on further steps I may need to take to protect my rights.

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted Transunion regarding the inaccurate, offending information included in the personal information section of my credit report. This information is damaging to my credit profile and negatively impacts my ability to verify my identity. Per my FCRA rights, I am asking that Transunion adhere to the law and remove this information from my credit report immediately.
Product: Credit card or prepaid card

Chase sent a letter on XX/XX/2022, indicating that they will close my account on XX/XX/2022 because of your association with another account previously closed. I called them and they didn't provide any more information about the decision. I think they made this decision because of my nationality XXXX XXXX XXXX. Therefore, I believe this is discrimination against my nationality.
Product: Vehicle loan or lease

I had fraudulent activity that took place on my XXXX XXXX checking account. There was an error with the payment that should have been debited on my account onXX/XX/2020, instead GM Financial processed onXX/XX/2020. I contacted GM Financial and informed them there was fraud on my checking account and that transaction needed to be reversed as my account was under investigation. I was informed that there was nothing they could do. Because the bank account option was removed from my online payment methods of choice, I was unable to set up an automatic payment forXX/XX/2020/ This has caused a late payment to affect my credit report. XXXX XXXX provided documentation stating this was not my fault and that GM Financial should remove the late payment. After reaching out to GM Financial, I was informed that the 1 late payment history could not be removed.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am making a complaint against this company because they are refusing to remove this collection that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting with XXXX. Remove this item from my credit report ASAP
Product: Credit card or prepaid card

I'm currently a victim of credit card fraud, cyber crime, and misuse of my checking and savings account. I noticed unauthorized transactions on my personal credit card in XX/XX/XXXX. 
I reported unauthorized transactions to Navy Federal Credit Union ... The bank refunded XXXX to my credit card but later debited my card back for this amount on XX/XX/XXXX. 
The bank stated that they do not prosecute individuals. I received a Case number from XXXX Police XXXX. who stated that they do not investigate crimes in other states. 

When these incidents took place, I was a resident in XXXX, TX. My credit card was used at XXXX XXXX XXXX, Address : XXXX XXXX, XXXX, TX XXXX. I had a total of XXXX unauthorized transactions at this location totaling 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  Also, a transaction from XXXX XXXX XXXX, Address : XXXX XXXX XXXX, XXXX XXXX, TN XXXX on XX/XX/XXXX -- -- -- -- XXXX. I spoke with XXXX at this company she stated this amount was a deposit on a truck for XXXX of her customers ( XXXX XXXX ). 
Third transaction on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, TX XXXX. 

All of these transactions my credit card number was manually keyed in the system. I have not lost my card or reported it as stolen. I sent fraud letters to all XXXX business but no response. 
Since these events, I received copies of all XXXX credit reports. I'm still seeing other transaction. For example, real estate where someone used by social security number. 

I have been trying to seek help with this matter since XX/XX/XXXX.
Product: Mortgage

During closing I asked the bank 's representative about weekly payments. I was assured that after each weeks payment, my principle would decline and thus I would save on interest charges on an ongoing basis. After a change in the information provided on their website, I realized they did not operate in this manner. They simply kept the money until four weekly payments were made and only then reduced the loan balance. They had full use of the weekly payments until the end of the month and deprived me of interest savings. When I called about this, they told me that the procedure was covered in the contract by the phrase " full payment. '' It would seem only fair that the bank should fully disclose the implied cost of offering weekly payment in terms of foregone declines in the balance owed and thus higher interest costs.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 26 financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

*** Ditech presented and charged us for an escrow deficiency that is greater than the actual money they paid out. *** From XXXX XXXX to XXXX XXXX, Ditech paid only {$1400.00} for taxes and insurance. *** Ditech 's XXXX XXXX, XXXX escrow analysis, attached, calculated a deficiency of {$2000.00}. ***Their calculation of the deficiency ( {$2000.00} ) is greater than their payout ( {$1400.00} ) by {$660.00}. *** How can our deficiency be greater than the money they actually paid out? ***Borrower 's XX/XX/XXXX escrow overage and payments covered Ditech 's XX/XX/XXXX disbursements ( all received by payees ). 
*** There is no lapse of insurance. *** There is no delinquency of taxes. ***Attached are borrower 's tax payments, Ditech 's XXXX XXXX and XX/XX/XXXX monthly statements, and XX/XX/XXXX insurance ( Ditech paid XX/XX/XXXX and XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

An unfamiliar inquiry on my credit report is really concerning. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened as I did not applied to them and it's causing me a lot of stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several letters in dispute of inaccurate information in my credit profile. The company has not provided me any proof or documentation as requested. I submitted 5 different letters. 1st dated back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which I receive a credit report with no solution to what I have been disputing this entire time ; and most recent one which was on XX/XX/XXXX that I resent asking for those accounts to be reinvestigated. However, my request continues to get ignored. They are not incompliance with their policy. It is taking them more than 45 days to respond. Once they respond, it is just a credit report with no evidence or documentations. The creditors that said I owe this allege debt, has not contact me. These accounts has been placed with a collection agency and I am unaware of.
Product: Mortgage

XXXXXX/XX/XXXX - Filed Ch XXXX Bankruptcy/Mortgage charged off -Continued to struggle after bankruptcy and unable to make mortgage payments -XX/XX/XXXX Nationstar began foreclosure proceedings against us while continuing to make loan modification offers to us that were not affordable. 
XX/XX/XXXX through JXX/XX/XXXX - we sent numerous letters - faxed and followed up with hard copies sent by certified mail with return receipts explaining our financial situation, literally begging for a viable solution, while all the time Nationstar was racking up more interest and penalties. 
-XX/XX/XXXX - Nationstar sent us a flyer stating " Mortgage Help is available '' inviting us to a 'Help for Home Owners community event at the XXXX XXXX XXXX. 
XX/XX/XXXX - We met with a Nationstar representative who told us that the mortgage company would carve off {$140000.00} from our mortgage balance in order to facilitate a monthly payment we could afford and this {$140000.00} would go into an interest-free bucket which would eventually be forgiven once all the dust settled from the XXXX crisis. THIS 'FORGIVENESS ' NEVER HAPPENED. 
When we bought our first home after renting for 25 years in XXXX, the amount of our mortgage was {$410000.00}. Today, after almost 15 years of making mortgage payments, our mortgage balance with Nationstar is {$440000.00} ( when they add the {$140000.00} in the non-interest bearing portion ). The fair market value of our home is way below {$440000.00}. How is it legal or ethical that after 15 years of paying ( with an 18 month period of non-payment ), we owe {$24000.00} MORE than the original mortgage amount? Not to mention our mortgage term went from 30 years to 45 years! I'm XXXX years old and my husband is XXXX ... we will NOT LIVE to see the day when our mortgage is paid. Something isn't right. We have contacted Nationstar countless times and NO ONE gets back to us. We sent emails with 'Read Receipts ' that were opened and ignored. We sent an email to the president of Nationstar ... no response. We believe we were coerced into an agreement that took advantage of us and is completely unfair but so far, Nationstar ( now Mr. Cooper ) does not respond to our pleas for explanation and/or forgiving the {$140000.00} as they implied when they convinced us to agree to the mortgage modification plan in XXXX.
Product: Checking or savings account

I Open up a business account with chase my business name is XXXX XXXX XXXX XXXX number is XXXX i was told my account was being closed which i think is wrong i havent even use it yet
Product: Checking or savings account

I am on the phone now going on 31 minutes with about 3 of those being talking. It is XXXX est and your agent has already denied me service I have the right to receive as well as lied to me. I told her I want an ACH stop payment which the supervisor XXXX was able to give me a few days ago and told me is new. I told this lady to do that, she insisted on talking all sorts of nonsense, so I told her if she doesn't know what it is to stop wasting my time and go ask somebody. She then put me on hold for over 8 minutes and came back and instead of asking about it like she promised she told me she reviewed my previous chat logs and was going to deny me a service I have the right to based on chat logs. I told her I want to speak to a supervisor and she is just leaving me on hold it's been about 15 minutes now. So my takeaway from this is either XXXX is lying or this rude and egotistical agent who thinks she knows everythin, lied to me, then denied me service on my account where I am depositing about {$1000.00} a day for just the credit card transactions of website of the multi million dollar business I represent thinks its ok to provide me with service of this quality level. This is tortious interference of my business and synchrony bank, dereliction of fiduaciary duty and fraud. If my account is charged because of the inability of this agent to process a simple stop payment and her malicious intent to stop me from getting service but just putting me on hold to steal wages from your company you can bet you will be hearing from my lawyer.
Product: Debt collection

Submitted a dispute with XXXX Credit bureau and sent a certified mail with the same info to the collection agency ( Northwest collectors inc ) on XX/XX/2022 and to the original creditor listed on the credit report ( XXXX XXXX XXXX ) I checked my credit report and there is a collection reported but I never received any notice, and I had no option to dispute it prior to damaging my record. All my medical bills were paid to the hospital by my insurance plan, and I do not have any unpaid medical bills. Collection Agency failed to provide a written notice and violated my rights.
Product: Credit reporting

This complaint is against the XXXX. I directed that the referenced complaint in the original dispute be made public. After bringing it to XXXX XXXX XXXX 's attention in a phone call with " XXXX XXXX, '' a XXXX supervisor, that it was NOT made public, it still was not subsequently changed to allow the public 's viewing. This is particularly disturbing because this complaint is a hacking of my Equifax account that XXXX XXXX XXXX XXXX is hiding. Additionally, " XXXX XXXX '' was supposed to call me back and never did. THIS COMPLAINT SHOULD BE MADE PUBLIC AS THERE IS NOTHING IN THIS COMPLAINT THAT INCLUDES SENSITIVE INFORMATION.
Product: Mortgage

I contacted AmeriSave Mortgage only to get information on their fees and current interest rates. I specifically stated to them that I was not ready to initiate an application until I had further information. I then received an email ( shortly after telling their representative online that I would not be interested because their discount points were higher than I was willing to pay ) that I have copied below stating my application was created. I don't want my credit to be dinged because of numerous " applications '' when I am only in the information gathering phase of looking for a mortgage at this point. 

AmeriSave Mortgage Corporation XXXX Wed XX/XX/2021 XXXX XXXX  Your new application has been created. 

Access your mortgage application by clicking on the following secured link : https : //www.amerisave.com/login/ If you can not login, please use the Forgot Password link to reset your password. 

AmeriSave Mortgage Corporation XXXX  ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX www.amerisave.com XXXX
Product: Debt collection

Conns has called me no less tha n 15 ti mes a day from various local numbers. These calls start at   XXXX   XXXX   and continue all day. Oftentimes, these calls are placed a few minutes apart. I 've called  Conns  and requested a payment plan, which they said was granted. They collected a good faith payment and then began calling right away again. I can supply phone records if needed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Bank of America XX/XX/2016 i called the customer service number and told them that my debit card has been lost numerous times. Then there has been some fraudulent activity on the account, they are accusing me of doing. In total they. are saying i owe XXXX i need this off my account.
Product: Credit reporting or other personal consumer reports

I recently became aware of the CFPB lawsuit involving Experian and want to formally report that my information was part of the Experian data breach. As a result, I believe my credit report has been negatively impacted, affecting my ability to access credit fairly. 

I have submitted multiple dispute letters regarding inaccurate or unverified accounts on my credit report. However, despite my efforts, I have been informed that these accounts have been " verified '' without any substantial evidence or proper validation. The following accounts remain on my report and continue to harm my creditworthiness : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$660.00} XXXXXXXX XXXX XXXX XXXX XXXX {$660.00} XXXXXXXX XXXX XXXX XXXX  {$7900.00} Given the Experian data breach and the ongoing issues with credit reporting agencies failing to properly investigate disputes, I strongly believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. These accounts do not reflect my accurate financial standing, and the continued reporting of these debts has resulted in negative impacts on my credit score, limiting my access to financial opportunities. 

I request that the CFPB review my case and ensure that Experian, conducts a thorough and fair investigation into my disputes.