23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2024 i ordered the XXXX XXXX  from XXXX because their advertising 50 % off from their website. I paid {$240.00} with my credit card from Bank of America. After i checked the XXXX website more and figured they dont have the email address, location and the phone number on their website not available. I tried to contact from their chat or their FB no one answered or replied. I did dispute immediately eith BOFA after i discovered they may not be legitimate. I did not receive any product from them. They sent me a tracking number that showed it was delivered to a different address and the tracking information showed that the package weighed 1lbs ( XXXX XXXX is supposed to be at least 15lbs ) not 1 lbs. After one month my bank they said they can not approve the dispute because I didnt have enough information that showed I paid the merchant using another method, such as cash, check, or debit. But i paid with my credit card from their company. I have all receipt and emails that show I bought it and ive never filed any claim before. I actually got scammed and i really want to get my money back.
Product: Mortgage

The Money Source Inc. ( " Servicer '' ) is demanding escrow payment, on the next regularly scheduled monthly due date, for a city tax of {$570.00} and a county tax in the same amount. However, as reflected on our closing documents, which are in Servicer 's possession, there is only a city tax requiring collection of {$570.00} per month. There is no county tax. Accordingly, Servicer is seeking to collect {$570.00} more than Servicer is permitted under the Real Estate Settlement Procedures Act of 1974, as amended ( RESPA ), and other applicable federal and state laws.

We brought this error to Servicer 's attention via email on XX/XX/XXXX, and Servicer sent only a boilerplate response. We then twice requested the appropriate mailing address to which to submit a qualified written request pursuant to RESPA. Servicer declined, twice, to provide the requested information, instead sending only the same boilerplate response once and then entirely ignoring the second request. Servicer 's refusal to provide this information through Servicer 's designated customer service channel constitutes a separate RESPA violation.
Product: Credit card or prepaid card

I have a simple question and they will not answer the phone or chat
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

1. I believe the bank is knowingly sending out mortgage statements late. Last month it came on XXXX XXXX for Payment XXXX XXXX XXXX. ( was told 3rd party does mailing ) 2. Is assessing late charges for bank error. 
3. Is deliberately dismissing complaints by making it impossible to get assistance by phone through their Customer Care line. Must write for assistance. 
4. Sending out form letters denying customer issues without looking into the situation. 
5. Takes no responsibility for even the possibility of a bank mistake 6. Has a policy of " stonewalling '' the customer so they can not resolve an issue 7. Does not call customer when requested to do so 8. Has no one available at the branch to advocate for client - local banks have no mortgage information and can only contact Customer Care on client 's behalf. 
9. Claims they post payments on the day they are received ( I hand delivered a payment on XX/XX/XXXX to the branch - but the payment was not posted until 5 days later. )
Product: Mortgage

We have a reverse mortgage with RMS Solutions out of XXXX tx. In XXXX we had hail damage to our home. Our home owners insurance sent us a check for the repairs in our name and the mortgage co. We sent the check with our signature to the company for their signature. They held the check for almost XXXX weeks before contacting us saying we had to get a signature guarantee from our bank or a notary. They then held the check for another 8or 9 days before returning it. We took it to the bank and had our signatures notarize and sent it back certified the same day. They received it on the XXXX XXXX 2016. We received a call on XX/XX/2016 saying now we need to have the contractor write a contract sign it along with our signatures stamped paid in full along with his XXXX form, then they would release their portion of the money. I fell the are giving us the run around, and we owe them nothing.
Product: Debt collection

Received phone call from Nordstrom credit services on XX/XX/2020, at XXXX ( pacific ) looking for my elderly mother. The phone number they called from is XXXX XXXX XXXX XXXX. This is not my debt. I have my own credit card and I am also an employee of this company. My credit card is PAID ON TIME. This is appalling they would attempt to use an employee to track down a family member. After everything we do for you?! Working during Covid without proper safety precautions or hazard pay?! You harass me to look for my mother? Im sure her attorney will reach out to you. This is not my problem.
Product: Credit card or prepaid card

In XXXX I went to use my credit card to rent a car from the airport. I had check my online account information prior to leaving to confirm available funds. It showed that I had more than enough funds available in order to complete the transaction for the rental car. Once I arrived at the airport and went to the rental car company to rent the car my transaction was declined. I told the attendant that there had to be a mistake and to rerun the card. The car declined again. I contacted the credit card company and was told that I had a lesser amount of funds available than what was shown to me online. I was told that the additional funds wouldn't be available until 7 business days. I asked them how could my online account information have something totally different then what they have in their systems and I wasn't provided with a direct answer only company XXXX. My statement is scheduled to close on the XXXX of each month. I check my online on XX/XX/2018 and my statement still had not closed. I contacted the credit card company was told that the information should be updated later on in the day. I check my online account several times throughout the day and still nothing had updated. The next morning I checked my online account and not only had the statement closed the day after but transactions were added into the statement that were still pending and has not cleared the account. I contacted the credit card company again and was told the that the credit card statement can close on different times of the month. Today I checked my statement history and the statement date is for the XXXX of the month however the statement includes transactions that show that they were transacted on the XXXX and XXXX of XXXX. I would like someone to investigate this company for fraud. How can the statement close on the same day the transaction was made? I have been given and shown misinformation each time I have contacted this company.
Product: Credit reporting

I 've never lived in New York. This is not me, I 've always lived in South Carolina.
Product: Debt collection

Company named Contract Callers  submitted a derogatory mark on my credit report on XXXX-17. I  have no idea what this negative mark is for nor have they contacted me regarding the amount owed of  XXXX. I have no idea what this was for and I wanted to see if this can be deleted from mt report.
Product: Debt collection

This agency put a collection account on my credit report without notifying me. They never called to resolve the debt first, simply parked the account which has recently been a sore subject with the CFPB. I then disputed the debt with the agency and requested validation of debt as my insurance company should have taken care of the bill. They never updated my credit that I had disputed the matter pursuant to FCRA requirements. They did send me a packet of papers that did not validate the debt and was full of incorrect information. When I called back the associate I spoke with told me I had already disputed this and didnt call back in soon enough and offered to resolve my dispute by talking 10 % off the balance. Per FDCPA law, collection attempts can not be made while I actively dispute the debt. These people are impossible to work with and violating numerous laws.
Product: Credit reporting or other personal consumer reports

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

Company name : XXXX XXXX Account number : XXXX Date open : XXXX XXXX Balance : {$1300.00} Company name : XXXX XXXXXXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$4600.00} Company name : XXXX XXXXXXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$440.00} Company name : XXXXXXXX XXXX XXXX  Account number : XXXX Date open : XX/XX/XXXX Balance : {$550.00} Company name : XXXX XXXX Account number : XXXX Date open : XXXX XXXX, XXXX Balance : {$1300.00} Company name : XXXXXXXX XXXX  Account number : XXXX Date open : XX/XX/XXXX Balance : {$9500.00} Company name : XXXXXXXX XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$4300.00} Company name : XXXX XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$1900.00} INQUIRIES Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX, XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Service Date open : XX/XX/XXXX Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXXXXXX XXXX Date open : XX/XX/XXXX Account name : XXXXXXXX XXXX  Date open : XX/XX/XXXX Account name : XXXXXXXX XXXX Date open : XX/XX/XXXX Account name : XXXXXXXX XXXX Date open : XX/XX/XXXX Account name : XXXXXXXX XXXX  Date open : XX/XX/XXXX Account name : XXXXXXXX XXXX Date open : XXXX XXXX, XXXX Account name : XXXXXXXX XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX  Date open : XX/XX/XXXX Account name : XXXXXXXX XXXX Date XXXX : XX/XX/XXXX Account name : XXXXXXXX XXXX  Date XXXX : XX/XX/XXXX Account name : XXXXXXXX XXXX Date XXXX : XX/XX/XXXX Account name : XXXXXXXX XXXX Date XXXX : XX/XX/XXXX Account name : XXXX XXXX  Date XXXX XXXX XX/XX/XXXX All these accounts have 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report b more than seven years.

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

I receive a notification from the XXXX app on my phone. The message says that " NAVY FEDERAL CREDIT UNION recently checked your XXXX  credit file for an installment loan or new bank account. ". 

I don't open any new account with any lender, I have frozen my credit report. Don't recognize this application. In effect is an intent of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report recently and notice some items that i did not authorize. I did not authorize these items and I need these items removed from my credit report. This is totally unacceptable. N/A ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 , GA EMER XXXX XXXXXXXX XXXX XXXX, XXXX. I'm doing this on my own behalf. I contacted the Ftc and my local police.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that Section 623 states that the creditor can not continue to report it when disputed unless they have proof to the contrary. I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately.
Product: Checking or savings account

On XXXX XXXX I received a call from a Bank of America employee/impersonator. He called to inform me that they noticed suspicious activity on my account and wanted to verify some information. He asked if I have traveled to Florida because I reside in Texas. I told him no I haven't. So he said he noticed some purchases for large amounts from XXXX XXXX and XXXX. I stated that I did not attempt to make those purchases. He also asked if I tried to XXXX to people some money and I also told him no. He told me I wouldn't be able to access my online banking and someone had turned my alert notifications off and also download my account to their digital wallet. He said I wouldn't be able to see the transactions because of that and they were pending. After that he asked for my social security number. So I said wait, how do I know you are who you say you are and he stated if you look on the back of your debit card you can see the number that I'm calling you from is the same number listed on your debit card. So we proceeded with what suppose to be a claim. He sent one time passcodes as well that said BofA. I contacted my bank today XX/XX/2022 and asked about the claim and they weren't aware of it. So I told the representative I can't access my online banking and he reset the passcode for me and that's when I noticed all my money was gone. When I spoke to the person on Monday they told me I wouldn't be able to access my account. I filed a claim today with Bank of America but they are saying it could take up to 45 days for the claim to be resolved. I don't have any money at all. That was my rent and car note money and I have XXXX kids that I take care of alone. I don't know what to do and I'm so lost and hurt.
Product: Mortgage

My VA loan is through Mortgage Solutions and when I closed back in 2021, everything was smooth. A couple months ago the App disappeared and I could no longer access my account. My experian credit report is showing I am paid off and account is closed. I made payments of over XXXX beginning of XXXX. XXXX from XXXX account and for some reason is shows on statement MSF charity. This month after speaking to someone supposedly from XXXX, I asked if my account would be set back up on Auto pay and they said yes. As of today my monthly payment has not came out. And last payment has not been posted. They also said they would email me a receipt for my last payment of over XXXX. I have received a statement saying I owe over XXXX. This is wrong. Not how a retired vet she be treated. I'm thinking this company is in default of contract. If I get no assistance asap I will be contacting an attorney. They will not receive another XXXX. I just lost my father and really not trying to go through this. How can I get this resolved?
Product: Money transfer, virtual currency, or money service

I was scammed using XXXX, which is associated with my bank account. Through XXXX XXXX, I was attempting to sell an item and the person impersonating a buyer was able to scam me into believing that I needed to send him money in order to activate my XXXX business account. I had sent over money to that email that was impersonating a XXXX  customer support person.
Product: Debt collection

Was unaware of the debt until they started garnishing my wages, never received a notice that I could dispute or that I even owed the debt. The debt is also over ten years old
Product: Payday loan, title loan, personal loan, or advance loan

I initially contacted this company on XX/XX/year> regarding " missed/late payments ''. Payments were made for the months that reported as late/missing, and on this initial call they admitted that it was a system error and that this would get corrected on my account and credit report. They give an ETA of resolution of 1-2 weeks for every single request, and when I would call to follow up ( because they wouldn't always reach out themselves ), they would have to put in a new request and provide the same ETA because they did not follow directions on the ticket or the ticket submitter was not descriptive enough for the next department to understand. 

It is now XX/XX/year> and I am still going through this loop with them with no sign of a resolution and am at risk of being homeless at the end of my lease ( along with my wife and XXXX children ) because this is affecting my ability to purchase a house. I need this resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX Credit Card reporting on my personal credit file and this was not a personal account. This was listed under a business account. The card was issued to XXXX XXXX XXXX   not to ME. The account number showing on the Credit Report is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported multiple times to all Credit Reporting Companies ( XXXX, XXXX, and TransUnion ) that XXXX  Account # XXXX has me late 60 days XXXX XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.
Product: Credit reporting or other personal consumer reports

Inquiry Date XX/XX/XXXX - XXXXXXXX XXXX- unauthorized by XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  - unauthorized by XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX unauthorized by XXXX XXXX XXXX Inquiry date XXXX XXXX / XX/XX/XXXX - unauthorized by XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX - unauthorized by XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX -unauthorized By XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX - unauthorized by XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX unauthorized by XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX, XXXX - unauthorized by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my credit report and all information related to this matter. 

The fraudulent accounts are as follows : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} BANRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Product: Student loan

I have been trying to work with Navient for the past few years, prior to getting behind on payments I called them because I knew I would n't be able to make the payments they were asking for. They are now threatening to sue me, have claimed I have failed to communicate with them, which is a lie and have called me at my job three times, after I told them I cant receive these calls at work, after the first time. I sent a letter last week telling them in writing not to call me at work, and requesting all further communication be in writing. Today they did it again! They called me at work. They have refused to lower my payment even though they have done financial reviews and can see I do n't have the money they want every month. They have hung up on me and told me " you 're not trying hard enough ''. I have developed XXXX and XXXX because of this unfixable issue.
Product: Checking or savings account

I had my XXXX XXXX hacked and they sent {$520.00} from my account to his with 4 transactions of XXXX. Wells Fargo gave me provisional credit and are investigating my claim. They come back and tell me that they did not believe for XXXX of my transactions I was telling the truth because they said the that cash app sent them too much evidence for them to do anything and my claim was closed.