23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was included in a Chapter XXXX BK XXXX filing. This has been addressed by the CFPB previously and the collection agency stated they would stop all collections and remove debt from my credit report. This debt has now been added back to by credit report and the collection calls has returned.
Product: Mortgage

I am reaching out about the Wells Fargo possible lawsuit and owed monies for anyone with mortgage from XXXX Thank you! 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I owed Best Buy retail services ( Citibank ) {$53.00} due XX/XX/XXXX. They received my payment XX/XX/XXXX. 

They charged me a {$60.00} late fee! I called and tried to have it waived as I have been a long time customer. The first person- said it was against policy and there was nothing she or anyone else could do about it. 

She finally sent me to a supervisor ( after I held for 10 minutes ). This person kept reading from a a script- was obviously in another country due to the 5 second delay in the conversation and she read from a script too- she waived {$30.00} of the {$60.00} but failed to see the inherent unfairness of a {$60.00} late charge on a {$53.00} invoice being 1 day late. 

If in the process of paying the bill- I overpaid- it would take 3 MONTHS for me to get my refund! 
Process and policy were the answers. Worst customer service Ive experienced in 45 years of having credit cards.
Product: Debt collection

My complaint is about Midland credit management. This company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide me with the purchase agreement to show full ownership of such account ending in ( XXXX ) accounting ending in ( XXXX ) and account ending in XXXX ) so that i may review to see if this is actually accounts that belongs to me .but they have no responded but continue to make report in my name. This report has been on my credit report since 2019 i have tried many attempts to get the company to send me the purchase agreement but the have not done so, according to the FCRA i am entitled to review any and all documents that is been reported in my name.
Product: Debt collection

I completed a dispute for an account listed on my credit report as a collection from XXXX XXXX XXXX. Being that I have never done business or signed a contract with them I asked for validation of debt owed in XX/XX/XXXX. I received a letter on XX/XX/XXXX, which is after the allowed 30 day period, that included their " validation of owed debt ''. This letter only states how much was owed at the time. The letter never notified me of my rights under FDCPA and FCRA to dispute any information I deemed as inaccurate.
Product: Mortgage

On XX/XX/XXXX I received a letter from XXXX XXXX that I was approved for a Loan Modification and that my principal, interest and escrow would be {$1100.00} commencing XX/XX/XXXX. The loan was bought out on XX/XX/XXXX and OCWEN took over the loan. 

On XX/XX/XXXX OCWEN sent a statement stating my interest rate was going from 2.7 % to 4.75 % and my new loan payment would be {$3500.00}. Then my XX/XX/XXXX OCWEN statement stated I had a past due payment of {$100000.00} and my interest rate is now 5.375 %. 

When I asked OCWEN why the increase, I was told I had an interest only loan and that my loan amount should have changed on XX/XX/XXXX and I am now being charged for past due charges of principal and interest for the last 4 years 9 months.
Product: Debt collection

This company calls me relentlessly from different numbers to collect a debt that is not mine. I get multiple phone calls a day sometimes.
Product: Checking or savings account

Fees all the time, account being negative for bills or other transactions
Product: Credit card or prepaid card

I had a XXXX balance on my XXXX XXXX  store credit card provided by Community Bank. Knowing I hadn't spent anything, I didn't make payments in the subsequent months. 

It turns out, on XX/XX/2022 they charged me a {$1.00} minimum interest fee which they apparently do when you have a XXXX balance. And when I didn't log in to pay the fee I had no knowledge of, on XX/XX/2022 they charged me a {$12.00} late fee. 

I continued to not know these charges were happening, until I ran my credit report just now and it's dropped by over 200 points because this is now a {$13.00} non payment mark on my credit report. 

Having not paid the {$13.00}, I was then charged a {$26.00} late fee on XX/XX/2022. 
This practice is ludicrous and predatory- for what other reason than to trigger late fees/additional profit for Comenity would they do this? This is now going to significantly impact my ability to buy a home.
Product: Debt collection

On XX/XX/19 PORTFOLIO RECOVERY Associates Reported a collection account on my XXXX   report. Please keep in mind I disputed this collection ( {$270.00} ) With XXXX  and it was deleted as of XX/XX/19. This collection account also shows up on my XXXX report which I am also disputing. They will not remove it from my XXXX  report and I fear the same will happen with XXXX. This is not my debt and I would like it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request to Equifax XXXX months ago. I have yet to receive a response.
Product: Mortgage

Provided mortgage servicer with requested documents several times for over 6 months. They have been asking for the same documents pertaining to my income for months. 
I have provided them with every document they have requested. My mortgage assistance request is being processed by loss mitigation. I was served with documents for court for a judicial foreclosure. Requested to XXXX loss mitigation service representative and XXXX XXXX with Executive Client Relations for the foreclosure action to be put on hold. I was informed they could not do that because my home was in the foreclosure dept. and I had not made mortgage payments for months. I explained I had read this is dual tracking for them to processing mortgage assistance request and not stop foreclosure action until my file was processed.
Product: Money transfers

PAYPAL. 
On XXXX XXXX I opened a Paypal account in order to transfer funds to a friend who had pre-booked for a large group dinner at a XXXX restaurant in XXXX NJ on XXXX XXXX. My friend asked to be paid by XXXX XXXX to pay the restaurant deposit. 

I received an email from PayPal on XXXX XXXX saying that the payment was pending review due to government regulations and would be completed within 72 hours. ie by XXXX XXXX. 
On XXXX XXXX I checked my PAYPAL account and still the payment was sitting on pending. I called the Call Center, after waiting 30 minutes I eventually was put in touch with someone who then wrote a comment on the transaction and then escalated and said it would take ANOTHER 72 hours to be processed. ie by XXXX XXXX. 

It is now XXXX XXXX and the transaction is still sitting on Pending. 
And now I am going to pay my friend in cash when I see her, but I am unable to cancel the transaction, which means if the transaction is finally approved she is going to owe me money as she 's been paid twice! 

This is absolutely ridiculous, I 'm going to a restaurant in New Jersey that makes XXXX food!! XXXX is no longer such a hot topic, most recently relations between XXXX & XXXX have normalised but that is irrelevant anyway, I am going to a restaurant in XXXX!! 
How can a review of payment to a friend take so ridiculously long, it is unacceptable that they said 72 hours XXXX times and XXXX times PAYPAL failed on this.
Product: Debt collection

Using CFPB I sent a letter for the company to validate debt in my name on XXXX XXXX,2017. I asked for company verifying information and information that show I have to do business with the company. They only sent statements and information that they purchase debt in my name. That does not show I am obligated to do business with them. They are also reporting negative information on my credit report, without giving me the opportunity to dispute. I do n't know if I am suppose to to pay the dept and they are already putting negative information on me without setting the dispute first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Experian that I am a victim of identity theft thru my Experian membership. with all proper paperwork
Product: Mortgage

On today XX/XX/2023 I received a return call from Carrington Mortgage Representative XXXX XXXX ( XXXX XXXX XXXX Ext. # XXXX ) in reference to them taking over my mortgage from XXXX XXXX, transferring and refinancing the mortgage. Now prior to this conversation Mortgage Representative XXXX XXXX assured me that everything was going to work out fine. However he actually tried to sweet talk me into a Ponzi Scam. Because the moment I mentioned that I has a Real Estate Attorney who can possibly assist if needed. He hung up the phone then after me trying to reach him back he mysteriously calls me back. Then he kept playing the stupid games by pretending he knew absolutely nothing about my current residence currently being in foreclosure and lied claiming that I told him that my residence was a duplex. And had to actually repeat this to him several times and he also stated that he can have {$30000.00} in my account real soon. Eventually things went sour and he stopped receiving my calls.
Product: Credit card

Hi I really need your help. I was fraudulently charged on my card after I closed my account. A Goldman Sachs employee confirmed my account is closed and no further charges will be incurred. Today, I received a delinquent notice from the credit bureaus. I really need help with removing this late report because I am in the process of buying a home. I need to report employee fraud as this was extremely troubling and fraudulent
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card or prepaid card

XXXX  and XXXX  Report NumberXXXX CAPITAL ONE Account XXXX And CAPITAL ONE BANK USA N Account XXXX I Filed a dispute for the miss payment. 
Now both of my credit card has been deleted from my credit report. I need both of my credit card back on my account for my payment history and for my revolving account. I wanted the miss payment fix not delete my cards on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found myself to be part of the hack involving 143 million consumer records that were taken from Equifax. The company has mishandled this data and allowed the identities of everyone involved to be at risk for the rest of their lives. For the foreseeable future it will now be necessary for myself and many others to consistently check our credit reports, handle potential identity theft, and more while incurring the full cost of time, money, and anything else that may come up. 

I have already had two credit cards compromised during the time of this incident and can only hope my other accounts are safe.
Product: Debt collection

I 'm called a lot between XXXX and XXXX.. Also, I was hoodwinked when trying to set up a payment plan with XXXX.
Product: Checking or savings account

I have a High Yield IRA CD with Ally Bank that matured on XX/XX/XXXX. I sent a secure message to the bank 2-days before the account matured asking that upon maturity for it to renew for a 9-month term. The message was confirmed by XXXX in Customer Service that the account would renew for XXXX. This was confirmed in a second secure message from XXXX. 

After the 10-day grace period for making changes to the account, I received a notice from Ally Bank that the account had been renewed for a 12-month term. I contacted Customer Service through a chat and explained to XXXX the situation. After several minutes on the chat line I was told that there was nothing the bank could or would do to correct this error on their part. They were willing to put an advance request in to change the term to 9-months as originally requested when the account matures in XXXX. 

My reason for requesting the 9-month term was to use the account toward satisfying my XXXX  for the 2025 year, as it would have matured in XXXX of XXXX. I was told I could close the account if I paid 60-days of interest, which is unacceptable to me since the Ally Bank failed to honor by original request.
Product: Payday loan, title loan, personal loan, or advance loan

A solar company knocked on my door and filed paperwork to see if i could get approved for solar panels and a loan to cover the cost. this was the last i heard from the company, no one will answer my calls, i get hung up on when i do call the XXXX XXXX, and there is a {$12000.00} loan in my name for solar panels that were never installed, never received any type of services from these companies. this is hurting my credit profile as i am not willing to pay on a loan that was a scam for something i never received from companies that will not comply with the law. i have disputed with the credit bureaus with no luck. the representative contact info is no longer in service. no one will give me any paperwork information or contact info for anyone to get this cleared up. this is hurting my credit and has been detrimental to my personal finances. i have attached my credit report dispute showing that the loan is showing on my report as active although i did not receive any solar panels or services.
Product: Money transfer, virtual currency, or money service

Well this whole thing was a nightmare, I have XXXX pages of charges I have disputed. One has denied they wont tell me the status of the others and they loop you in circles for weeks. They never sent documents that I asked for In which they made their decision on. They wasted so much of my time purposely take forever on chat to not help, and today in the middle of the chat, the rep closed my account. He said it wasnt him, but as you can see in the screen shots it definitely was.
Product: Credit reporting

I applied with a credit worthy co signer for a XXXX loan at XXXX XXXX. My loan was denied when I received the letter of denial reason it stated Bankrupcy on credit report and aXXXX credit score. I pulled my report and as I already know I have no negative public record and my credit score is not what they reported. I filed a complaint with Equifax and XXXX. But XXXX XXXX refuses to accept ownership of the information which resulted in my denial. They also approved my husband but he too got a letter with the same denial but was approved too after the fact. We are both customers at XXXX XXXX. I feel that it is discrmination.
Product: Mortgage

On XX/XX/XXXX via telephone with XXXX ( BSI FINANCIAL ) I made a mortgage payment with BSI FINANCIAL as my mortgage was in the process of being refinanced with XXXX XXXX. I didn't want to incur any late payment fees. Unaware that XXXX XXXX had dispersed funds to close out my loan with BSI FINANCIAL on XX/XX/XXXX. BSI FINANCIAL took my regular mortgage payment a day after that disbursement. On XX/XX/XXXX I called BSI FINANCIAL and spoke with XXXX and informed her that I would like a refund of my XX/XX/XXXX mortgage pymt since XXXX XXXX had dispersed funds on XX/XX/XXXX and BSI FINANCIAL took my pymt on XX/XX/XXXX via telephone with XXXX ( BSI FINANCIAL ). XXXX said once everything was processed that I would receive a refund of that XX/XX/XXXX mortgage payment along with my escrow payments. On XX/XX/XXXX I called BSI FINANCIAL and spoke with XXXX who said a check was sent out on XX/XX/XXXX. The check from BSI FINANCIAL was my escrow payments only. So I called BSI FINANCIAL again on XX/XX/XXXX and spoke with XXXX who stated no other funds would be refunded to me. Usually you have 2 months after a closing before the first mortgage payment is due. I received a mortgage note from XXXX XXXX ( the refinancer ) that my first mortgage pymt would be due XX/XX/XXXX. So I called XXXX XXXX ( XXXX ) since this was not two months between closing to verify this first payment date and he said that XX/XX/XXXX was correct. Please look into this as I believe BSI FINANCIAL or XXXX XXXX owes me that XX/XX/XXXX payment. I didn't have my 2 months between the closing before the first payment was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian, XXXX, XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a card with my first name and last name on a direct deposit debit card card from netspend. I looked up the company and they send all these people these cards which make it easier for identity theft. I have not activated the card due to high suspicion Im very uncomfortable that they send these cards with routing numbers, my name and possible access to other things I dont know about The picture attached also, i covered my name.
Product: Checking or savings account

While on vacation in XXXX on XX/XX/2020 I received a Fraud alert text from Capital One Bank to my cell phone at XXXX XXXX asking me was I attempting a {$2000.00} transaction on XXXX XXXX   to XXXX, at XXXX XXXX  I replied NO immediately I contacted the bank because my debit bank card was immediately shut off by the bank. I explained to the customer service fraud representative that I was on vacation and I was not sending funds to anyone on that day I was given a case number # XXXX as they would be working on the situation. On Monday XX/XX/XXXX I went into Capital One located in XXXX on XXXX XXXX. at that time I was told the account was still under investigation. The bank issued what they describe in my account as a XXXX credit until they complete the investigation, I received a letter from Capital One Bank dated XXXX XXXX stating that no error was found in the investigation and they would be recouping the {$2000.00} from my account on XXXX XXXX. The letter stated if I found that the decision was not correct I should call XXXX to speak with a representative and I did on XXXX XXXX @ XXXX XXXX  and spoke with XXXX regarding the investigation decision that is not accurate and I was told that this case would go back for further review, well as of today the bank took my money and they are at fault for any breach to that account because I did exactly what they asked me to do replied NO immediately. I do hold Capital One Bank responsible for this issue because on the initial date of occurrence the fishing of funds in my account started with two attempts to withdrawal XXXX that they did decline and a total of three attempts to withdraw these XXXX this bank has failed to protect themselves and me.
Product: Credit card

I called to closed my credit card account and pay off the balance on the card which I did successfully. However, Company later charged me a XXXX $ finance charge after the account was closed and paid off and started collecting late fees for non-payment. Given that the account was paid off and closed it was not monitored for additional payment. I believe this is a case of abuse and need to be investigated. It impacted my credit for XXXX non payment all because of a {$2.00} late fees inputted after the account is paid off and closed. 

This is done by Comenity Bank through a credit card with Children place
Product: Credit reporting or other personal consumer reports

I am compelled to express my utter dismay and consternation at the deplorable handling of my credit report dispute by TransUnion. Despite my submission of incontrovertible evidence, including certified mail receipts affirming their reception of my dispute documents, I was confronted with an indefensible repudiation asserting that the submissions were not authenticated as mine. This egregious dismissal of my legitimate attempt to correct palpable inaccuracies on my credit report not only impugns the credibility of the credit reporting process but also inflicts significant financial prejudice upon me. The obstinate refusal of TransUnion to acknowledge and rectify the errors, in spite of undeniable proof of submission, constitutes a flagrant dereliction of their obligations to ensure accurate and equitable credit reporting. Contrarily, it is noteworthy that XXXX exhibited due diligence and professionalism by promptly addressing and resolving the exact same dispute underscoring the stark discrepancy in commitment to consumer rights and accuracy among these entities. How embarassing for TransUnion.
Product: Checking or savings account

I got a loan from a bank. My wife and I were told since it was a cashier check, it would only have a one day hold. I asked again because I wanted to be sure.We were told not to worry this was on XX/XX/XXXX, on XX/XX/XXXX, nineteen checks were returned, five checks were returned on the XXXX of XXXX, and 6 more on the ninth of XXXX even though there was over {$70000.00} in the account. We are senior citizens on fixed income, needless to say how much this has set us back. Because we had to pay fees on the returned checks, it created a hardship we still haven't recovered from. This was Navy Federal Credit Union. I got many excuses but they were 100 % at fault on this, their tellers even told us days later when I asked them that the check should have only been on hold one day.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023.