23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX deleted my account and their entire payment website in XXXX without providing any notice or alternatives to payment. I attempted to call their customer service line twice without being able to reach anybody ( left after waiting in call queue for more than an hour ) in XXXX, and by the time I was finally able to get someone on the phone on XX/XX/22 I was informed my mortgage payment had been reported as late, even though I made the payment over the phone immediately. The reason I needed to speak with someone before making the payment was that the old website I had bookmarked to make payments with had been showing a 404 not found error during XXXX, and appeared to have been updated in XXXX to forward users to their new website. When I tried to sign in with my account information I was informed my account had been deleted and that I had to register to create a new one before making a payment. Since I hadn't received any call, email, or letter from XXXX informing me of this change I was suspicious that it may have been a phishing attempt to access my mortgage account and information. After finally reaching a real person at XXXX who could confirm that there was a new website I accessed it but was not able to submit or schedule a payment as the payment amount fields were broken and there was no button or other option to actually click on to submit a payment, so I made the payment over the phone immediately. I was assured by the same person that this had been a common issue and that other people were also having issues accessing the new website so it would not be considered late. The late payment is still showing on my credit report and after contacting them again to remove the late payment I was told they couldn't help me at all by an overworked customer service agent who rushed me off the phone immediately after waiting in the queue for 35 minutes. I have submitted disputes with the 3 credit bureaus since I believe this was an unfair business practice that probably caused many other late payments with their customers. I have otherwise never missed a payment and this unfair mark on my credit report will show up on pre-employment screens and affect my ability to relocate for potential job opportunities or refinance, buy, or sell a house.
Product: Credit card or prepaid card

Received a movie theater gift certificate for {$50.00} from my son who purchased this from Gift Card Mall last XX/XX/XXXX. Since covid restrictions have lessened and movies are open, I tried to use this at XXXX Theaters and they were unable to honor it since it did not have XXXX 's 16 digit activation number and had no idea what this was. I contacted Gift Card Mall XX/XX/XXXX and got the usual runaround one would expect from a scam company. End result after several transfers, Gift Card Mall did not recognize the order number I had, had no record of the order or my son 's name, could not provide any information that could help me and could care less if I reported this incident. They are obviously still in business ripping off unsuspecting people.
Product: Checking or savings account

I opened a truist one checking account online on XX/XX/XXXX with promo code XXXX applied when opening with a deposit is {$50.00}. I then made XXXX purchase via my debit card on XX/XX/XXXX. I also made a {$500.00} ach deposit on XX/XX/XXXX. this met the requirements of the bonus, as these activities needed to be completed within 90 days of the account being opened. 

My chat with Truist rep XXXX. XXXX  # XXXX on XX/XX/XXXX or XX/XX/XXXX said below : I am not showing you enrolled with a promotion in your current checking. 
Also if you have closed any other Truist checking accounts after XXXX of XXXX you would not be eligible. I am sorry. 

My response to XXXX in the chat was that I have a print screen showing the promo code was applied when i opened the account. I also advised that her date of XX/XX/XXXX was incorrect. I gave her the correct statement in the XXXX promo code requirement about that which was : " Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after XX/XX/XXXX are not eligible to participate. '' XXXX still stood that I didn't qualify and I advised her I would submit a complaint to CFPB. she ten said she would submit one on my behalf to you as well. I suspect that she was not going to actually do that, so here is my submission.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Transactions were denied, held or lost by the institution.
Product: Checking or savings account

My account was opened on XX/XX/2022 I deposited XXXX dollars within 30 days on XX/XX/2022. 

There is currently a balance of over XXXX dollars as of today XX/XX/2022 which is 54 days after the initial deposit. The bonus said it would post within 45 days if the account has been open for more than 60 days. Which it has.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

These accounts are not mine. I would like you to review these. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

It just keep popping up and this was tooking care of 8 years ago
Product: Consumer Loan

I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me. When contacting the company the account is listed as XXXX. My name is XXXX and XXXX has never been my last name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT & FRIVOLOUS. I have been in contact with the debt furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. XXXX is robbing, badgering my credit with no explanation on an erroneous, alleged collections.
Product: Money transfer, virtual currency, or money service

Money was taken from my account without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my Consumer reports and XXXX and Transunion are reporting unauthorized collection accounts on my credit reports without my consent which is Identity theft. Im getting denied for loans and credit because of these unauthorized collection accounts.
Product: Debt collection

Different collection agencys keep recycling old debt over ten years ago and keeps reporting on my credit report that it is a new debt the debt was sold to collections agencys over and over again and they are falsely reporting to credit agencys
Product: Prepaid card

Whenever I attempted to use the card online, I could never complete the purchase. I just pulled up the website, and the one time I successfully checked the card 's balance, I noticed that they had taken out fees on each transaction. When attempting to call the XXXX number, I could never speak to a person to tell them about the issues I was experiencing with the website as well as the difficulty trying to use the card to make online purchases.
Product: Mortgage

My grandfather is the account holder on the mortgage and he is XXXX. I called the servicer to advise of his XXXX and to find out the procedure of what to do. 

I faxed a copy of the XXXX XXXX, mailed a copy of the XXXX XXXX and uploaded a copy of the XXXX XXXX to their website. 

I advised I was the person handling his affairs for my family to get options on what to do with the loan. 

Despite having the information that he is dead, and I am the one handling his affairs, they will not give me any options or speak with me about the account in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX  '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON MY CREDIT FILE!
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I call XXXX to report fraud charges on my credit card. I was out of town when this charges occurred. I received a letter dated XXXX XXXX, XXXX, from XXXX, stated : '' Our research has indicated that the transactions are valid ''. I called XXXX and ask why the determination and was told that a chip card was used. I responded that one of the fraud charges was an online purchase that could not be a chip transaction. I had believed that the card was always in my position but this may be false because I also have a second XXXX credit card through my wife 's account, so it the card might have been stolen. The fact the XXXX stated that they where chip transactions are in question because at least one of the charge was an online transaction that could not have involved the use of the chip. 

I never gave anyone my card nor was I in town to make the charges in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I submitted my police report to the three major credit bureaus. Using my police report as proof I tried disputing accounts and inquiries with Experian, XX/XX/XXXXand XX/XX/XXXX multiple times. Every dispute I intiated never went in my favor even with my police report. Their are car loans, bank loans, and closed credit cards reporting on my credit that were fraudulently opened and the credit bureaus won't do anything to get them off. 


XXXX XXXX XXXX ( {$16000.00} ) XXXX XXXX XXXX ( {$12000.00} ) XXXX XXXX ( {$3500.00} ) XX/XX/XXXXXXXX XXXX  ( {$760.00} ) All those accounts are fraudulently opened and I've disputed them but the credit bureaus won't delete them
Product: Debt or credit management

XX/XX/XXXX I was talking XXXX, Me and Conserve agreed to a payment arrangement. 

We agreed on two payments. 

1st payment. {$110.00} on the XXXX of XX/XX/XXXX payment. {$230.00} on XXXX of XXXX. 

. 


I called yesterday on XX/XX/XXXX I was speaking to one of the representatives and I was trying to make an early payment of the 1st payment. I made the first payment and she kept telling me that she needed to send documents for recurring payment for me to sign for the second payment and I was like nah. So I gave her my bank information for the second one so that the second payment can be completed on the XXXX OF XXXX. I wake up today and saw that the ACH payment was sent last night and now that's leaving me with {$23.00} in my bank account. 

So I Talked to the supervisor today and she said she was going to reversed the second payment but I don't trust that at all and I'm going to be filing a dispute with my bank.
Product: Consumer Loan

I requested a payoff only to find that it is {$16000.00} though the car sold for $ {$23000.00} and I put {$8000.00} cash and have payed XXXX payments at {$52000.00}. I wastold that XXXX held most of the {$8000.00} and because I make a great deal of payments early before my due date most of it goes toward interest opposed to the principal.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a fraudulent account on my credit report. I have attempted several times to have this removed. I have also updated documents attached just in case there were any problems. Under law I need this fraudulent account removed permanently. I am not liable for any fraudulent accounts created in my name. Attached is ID Theft report
Product: Credit reporting or other personal consumer reports

XX/XX/year> Accounts paid off and showing wrong balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Accounts Paid down and showing wrong balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all fraud alerts. personal statements and remarks from my credit files immediately
Product: Debt collection

Dear Sir or Madam : Professional Account Management ( PAM ) has violated the terms of the FDCPA by continuing to collect disputed debts after requests for evidence were received. Furthermore, please see paragraph S on page 7 on the attached contract between the XXXX Department of Transportation and PAM. PAM expressly violated the terms of paragraph S when it failed to protect the confidentiality of all records and accounts issued by the Department when it forwarded sensitive, confidential information to the CFPB, the State of XXXX, the State of XXXX, the XXXX, and others. Pursuant to their contract, these unauthorized disclosures were strictly forbidden and placed petitioner at increased risk of identify theft.
Product: Mortgage

I have operated a XXXX XXXX in my home for over 20 years while living there as my Primary Residence. On XX/XX/XXXX Hurricane Matthew struck the First Cost in XXXX, and a 4 ' diameter Oak Tree fell on the property and render the property in-habitable. 
The Insurance Company did not approved of the Claim until on or about XX/XX/XXXX, and the repairs to the structure, roof, floor, walls were replaced and a Certificate of Occupancy was certified after XX/XX/XXXX.I have been without revenues for over NINE MONTHS! Today, we are back in the business of running the XXXX XXXX, although MANY PARENTS DID NOT WITH THEIR CHILDREN because of the length of the closure. 
Meanwhile I continue to work at the XXXX County XXXX XXXX as a Part-time XXXX, but my income was insufficient to keep the Mortgage Payments current. 
I have applied for a Loan Modification as soon as income started to come in and have presented a Profit and Loss to Wells Fargo as well as my Pay Stubs from my part-time job. Wells Fargo Home Preservation Department stated that I did not earned enough income to offer me a Loan Modification according to Making Home Affordable Act. Wells Fargo steadfastly insisted that my Income from all sources was ONLY {$1100.00} a Month. I appealed their decision and provided Bank Statements showing the average gross income from the XXXX XXXX to be {$2000.00} and growing, and my Part-time Income is {$1200.00} gross per month. Wells Fargo 's representative telephone me today and said their decision remains the same. My Mortgage is a 9.6 % 80/20 Predatory Loan with 11.00 % Second Mortgage service by Wells Fargo. I disagree with their decision because they DID NOT OFFERED ME HAFA, or any other Program in the HAMP. I have attached my Pay Stub, and Profit & Loss for your review.
Product: Credit reporting, credit repair services, 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: Checking or savings account

We have had a checking account wi  th BB & T since 2015. We have a direct deposit monthly into the account from salary. Ever since then we have had numerous overdraft charges and fees over the last several months.
The most recent charges are being described below because the bank has refused to provide any recompense, amendments or assistance to prevent this from happening.
We were charged {$180.00} in overdraft last month and another {$390.00} this month. Overdrafts were charged for purchases when there was enough money to cover those items at the time. When we enquired about this, the bank said that there 's nothing they can do and that because the transaction went through at a later date there was n't enough money in the bank and we were charged overdraft. However, this was not evident in my account statement online. They said the only way for me to keep track was to write every item that I bought down and deduct it from my account.
This bank and its employees showed no care or effort in addressing the issue or customers. We are really hoping this could be resolved and get refund back for these we were wrongfully charged for by BB & T bank.
Product: Credit card

I purchased XXXX toys from XXXX on XX/XX/year> at the amount of $ XXXX and they came damaged and broken. I reached out to XXXX to seek for resolution but they do not gave me adequate resolutions. So i reach out to capital one bank for resolution. I send them every documentations that they asked for but they rejected my claim and sided with the Merchant XXXX XXXX XXXX. This is very unfair and unjust. I believe i should be able to return goods if they come in damaged.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Detailed Description of Investigation Process Dear CFPB, I am writing to formally dispute inaccuracies on my credit report related to the account detailed below. I have identified discrepancies regarding late payments that are not consistent with my payment history. My last dispute on this matter was filed on XX/XX/XXXX, but the issues remain unresolved. 

I request a detailed description of the investigation process followed by your agency, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ). Credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute. 
Account Information : Creditor Name : XXXX CARD Account Number : XXXX High Balance : {$5000.00} Last Verified : XX/XX/XXXX ( Discrepancy : Missing in Experian ) Closed Date : XX/XX/XXXX ( Discrepancy : Missing in Experian ) Account Status : Closed ( Discrepancy : Both XXXX and Experian XXXX " Closed '' ) Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX and Experian. XXXX did not report these late payments. 
I have consistently paid this account on time, as reflected in my personal payment records. The consumer reporting agencies are required to report information with complete accuracy. These late payments are inaccurate, and I am requesting an immediate correction of this information to reflect " Paid As Agreed Never Late. '' Violation of Federal Laws : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : The account 's payment history constitutes a transaction between the consumer and the reporting entity and must be reported accurately.

15 USC 1666 ( b ) : Agencies must ensure that periodic statements are mailed at least 21 days before the payment due date.

15 USC 1681i ( a ) ( 1 ) ( A ) : Requires reinvestigation of disputed information and correction of inaccuracies.

15 USC 1681s-2 ( a ) ( 1 ) : Prohibits the reporting of inaccurate information to consumer reporting agencies.

To support my claim, I have attached copies of my bank statements and payment confirmations for the disputed months. These documents verify that all payments were made on time and in full compliance with the agreed-upon terms.

Request for Action : Investigate the late payment inaccuracies and update the account to reflect " Paid As Agreed Never Late. '' Provide a detailed description of the investigation process, including the steps taken to verify the information. 
Provide documented proof of the late payments, including dates, amounts, and relevant communication. 
Update my credit report to reflect accurate information within 30 days, as required under the FCRA. 
If you can not provide evidence to support the late payments, I expect the account to be updated promptly. Failure to comply with the legal obligations outlined by the FCRA, Consumer Protection Act, and Truth in Lending Act will leave me with no choice but to escalate this matter further. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX