23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a house in XX/XX/XXXX ( closing was on XX/XX/XXXX ) and paid $ XXXX by loan from a mortgage company. Late XXXX, I sold our house ( closing was on XX/XX/XXXX ), and I was about pay off my mortgage loan ( $ XXXX ). I knew my mortgage loan was sold to another bank before XX/XX/XXXX by mail from new mortgage bank. I received letters from mortgage companies in regard with my mortgage was transferred between XXXX companies. XXXX was delivered to our house late XXXX ( XXXX XXXX XXXX ), and the other was delivered XX/XX/XXXX from the original mortgage company. According to the letters, my mortgage was sold on XX/XX/XXXX. 
My original mortgage loan was supposed to be no penalty for early paying-off, but new bank is charging me {$1500.00} for " XXXX XXXX '', according to their pay-off statement which provided me per my request ( I called to new bank to pay-off my mortgage loan on XX/XX/XXXX when our original house was closed ). I received payoff statement on XX/XX/XXXX, I found this " fee '', so I called to the bank and asked what this charge, and a representative of new bank told me that overdraft was charge that I pay off my loan. It sounds like penalty which I would not be charged on the original mortgage. 
In addition, I have to pay one-month of interest even I pay off 1st day of the month. It supposed to be calculated daily basis as late payment penalty. 
I decided to go to the bank, and I will discuss with loan officer face to face tomorrow ( XX/XX/XXXX ). Thanks a lot.
Product: Checking or savings account

I requested a check for a rent payment from Chime bank on XXXX. They subtracted the amount from my account on the day, but failed to send the check on my behalf. I was then sent the following email on XX/XX/XXXX : " Hi XXXX, Were reaching out to let you know that one or more checks you requested to be mailed on your behalf has experienced a delay and is currently expected to be delivered to the recipient by XX/XX/XXXX. 

If you need to make this payment urgently or have any questions about this message, please dont hesitate to reach out to us by responding directly to this emailwere here to help. 

We apologize for any inconvenience this may have caused. Thank you for your patience, and for being a Chime member.

Sincerely, The Chime Team '' This could potentially have a serious impact on my rental situation. I asked them for detail as to what had happened, where my money was for the month, and why they were only just letting me know what had happened ( 22 days afterward ). I received the following response from Chime : " Hi XXXX, After taking a careful review of your account, I was able to verify which checks experienced a delay to be delivered, they were the one ( s ) requested from XX/XX/XXXX to XX/XX/XXXX. 

I assure you the checks will be delivered no later than XX/XX/XXXX as stated in the email. What I can do at this moment is cancel the checks to have the funds returning to your account in 3-5 business days. I would strongly suggest you use the direct debit feature providing the biller your account number and routing number for an electronic transfer. 

Please confirm if you want to proceed with this option and I will do it right away. We appreciate your patience with this matter. Here are the checks affected by the unfortunate delay : LANDLORD XXXX XXXX XXXX PDT I look forward to hearing from you. 

Thanks, XXXX XXXX Chime Member Services ''
Product: Debt collection

I received a telephone call today around XXXX on my cell phone asking for someone other than me. I explained they had the wrong number and then they stated that they just received my number and then said my name. This automatically put me into a panic because they originally had asked for someone else. They never once stated their business name only stating that they were attempting to arrange financial arrangements for a debt from XXXX in California in the amount of XXXX $ and wanted to see how i would go about paying for this today XXXX/XXXX/16 Or they were going to report this debt on my credit and ruin my credit if this was not paid. I told them I would call them back because I 'm not aware of this debt. I called XXXX at XXXX and a man answered the phone CCS. I wa put on hold and then transferred to a rude man by the name of XXXX who kept saying your name is on the paper so you are responsible. my credit is not great but I 'm working on that and I find this unfair and also illegal because no one has the right to threaten you to get you to pay a debt from over 3 years ago. Thank you
Product: Credit card

The store is Kohl 's. 

On XX/XX/XXXX I made a return for the amount of {$160.00}, and made a payment for the amount of {$160.00}. 
Then I made a purchase on XX/XX/XXXX for the amount of {$100.00}. 
That leaves a credit of {$56.00} on there XX/XX/XXXX statement. 
Then I made a purchase on XX/XX/XXXX for the amount of {$61.00}. 
I used up my credit and owe {$5.00}. 
When I saw that they billed me {$61.00} on my XXXX XXXX, XXXX statement, i called and spoke with XXXX XXXX case # XXXX ). I spoke with her that I have a credit. She said they can not go back in there system ( XXXX ). I asked her if she would like me to email or fax the statement. She said " no ''. She can not receive faxes nor emails. So then I asked to speak to someone that could go back to XXXX. She said no one is here to help. So I said I will go into the store. Spoke with XXXX ( XXXX ). He said does not have access to my account. I paid the difference of {$5.00} on XXXX XXXX. The billed me again for {$86.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted XX/XX/2022 Completed XX/XX/2022 Confirmation number : XXXX Equifax have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Equifax have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. Equifax must comply with the law by providing the requested information within the 15 days allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i received a alert of my XXXX that US Bank pulled my report, i did not authorize this and no where on their checking application was their a disclaimer that they would hard pull my report this companies practices are very unethical and have hurt me by dropping my credit score and that will affect my interest rates, no one at US Bank is willing to help and the customer service is the worst i have encountered in my 30 years of life, there are no words i can think of to appropriately use to express my anger with US Bank.
Product: Money transfer, virtual currency, or money service

XXXX XXXX a recruiter reached out to me saying she had a opening with the company Boldly, and that I could connect with the HR guy from there, XXXX XXXX XXXX VA, for an interview about a customer service representative job from home. I reached out on XXXX, but beforehand looked him up on XXXX and he looked legit. He basically said that they had a job opening available for this position, and hed interview me and get back to me. Interviewed me on XXXX, and next day told me the results of the interview after going over it were that I got the job. He told me all about how Id make {$26.00} an hour, how training was 2wks long, and duties for the job etc. He said before training could begin, I needed equipment for the job, like a laptop, printer, scanner, things like that. He said theyre expensive pieces so their company sends out a check to me so that I can reach out to their equipment company to give them the money so they can send me equipment. At this point I had no suspicious thoughts, because Id been in the military the past XXXX and figured this might be how things are done in the civilian sector now. On XX/XX/XXXX, I received a check from them for {$4700.00}. XXXX told me to deposit it in my account, and then use XXXX, XXXX, and XXXX XXXX to get the money to their equipment company. So I sent {$1000.00} through XXXX, {$1000.00} through XXXX, and {$600.00} through XXXX XXXX to their equipment guy XXXX XXXX from XXXX, GA. I tried to do more, but USAA caps what I can transfer. So XXXX told me to just send the rest of it the next day. XX/XX/XXXX, I sent {$1000.00} more through XXXX and XXXX to XXXX XXXX, and XXXX told me I had another check coming to deposit as well. I went to login to my bank account and found it locked. So I called USAA, and they proceeded to tell me the check I had deposited was fraudulent, and that they would be freezing my account for an investigation immediately. I told them in tears I had no idea, and explained the situation. The USAA rep told me theyd contact XXXX to see if they could get the money back, and that I should report it on XXXX as well. After 7 days of no access to any of our money, I called to see if the investigation was over. They said it was, and that XXXX XXXX returning the {$2000.00}, and that USAA pulled the {$4700.00} back from the account. Yesterday, XX/XX/XXXX, XXXX came back and said they couldnt refund the {$2000.00} either even it was a scam. XXXX XXXX I called back USAA and told them under XXXX XXXX and the directive from the Consumer Financial Protection Bureau XXXX XX/XX/2021 of the Electronic Funds Transfer Act that banks are required to refund consumers for fraudulent transactions on their accounts. It said the law applies to if a 3rd party fraudulently induces a consumer into sharing account access information. This is put in place for when someone tricks you, so that when treachery is involved consumers are protected. USAA is not helping to resolve this issue in a timely manner, or following laws to keep the compliant to Reg E and this specific directive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from XXXX XXXX XXXX XXXX. XXXX XXXX, NY to a new address. Mail came to that old address and it was stolen by the new residents. I forwarded the mail at the US Post Office but some important mail slipped through. I found out that the new residents had used my name to apply for various types of accounts. The following inquiries on my credit were not authorized by me! 

XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX Credit/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Mr. Cooper. I have a loan payment due XX/XX/XXXX but Mr.Cooper is unwilling to accept payments till XX/XX/XXXX. If I paid my loan on XXXX first as I intended to, my principle balance would be reduced on XX/XX/XXXX and therefor the outstanding interest due on XX/XX/XXXX ( for the month of XXXX ) would be less. XXXX XXXX will not accept any payments after XX/XX/XXXX. I will, because of no fault of my own, be charged more interest for the month of XXXX than I would have been if I was able to make my payment on XX/XX/XXXX. This is wrong and unfair. Additionally I called Mr. Cooper, talked to XXXX different people and explained this to them and they told me I was wrong and I cant make a payment till my loan is transferred over. If I am wrong then I am being overcharged interest based on the outstanding amount of my loan after the date I make my payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 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 item of information, other then records of convictions of crimes which antedates the report by more then seven years. 

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

Greetings. We can furnish dates and/or documentation for all of the following events. 
Our Mortgage Servicer, Ocwen, transferred our loan PHH ( aka, XXXX ), their subsidiary, in XXXX. Communication was an issue with Ocwen, and with PHH its much worse. We received several letters from Ocwen in XXXX stating that the {$5000.00} HAMP incentive would be applied to us around XXXX XXXX for keeping our mortgage 90 days current or better. We attached a copy of XXXX letter. We thought this was late to apply but we were ok with it. In XXXX we fell 2 or possibly 3 payments behind and around XXXX asked for hardship assistance, After sending all requested documents 3 times, in XXXX PHH still demands more. 
After being told in XXXX XXXX by the Servicer Rep on a phone call that our account was only 1 month behind, we had satisfied the Incentive requirements. We verified this online. 
However, in XXXX, we received a Recast Offer letter, and the table provided in it states that we will pay {$13000.00} MORE in interest if we recast our loan beginning in XXXX, with the {$5000.00} Incentive. Our payments would be lower, but our interest wouldnt. 
We researched a little. In the makinghomeaffordable.gov site, it is shown that we could earn up to {$10000.00} in principal reduction after 6 years by keeping payments current. IN XXXX, and theXXXX it is stated that Recasting will actually LOWER our total interest paid over the life of the loan. We would definitely prefer to lower our interest paid, even if it does not lower our monthly payments. We emailed all this to PHH on XXXX and on XX/XX/XXXX they replied that their offer was final. 
In fact, for years we have been paying up to {$75.00} extra in our monthly payments to get ahead of the interest curb and We have proof. 
Also, our minimum monthly payment increased this year.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX-XXXX  Account Name : XXXX Account Number : XXXX-XXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and see that there is a fraudulent account reporting on my report. Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the XXXX XXXX XXXX is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full my collection to XXXX XXXX for a total of {$160.00} on XXXX XXXX, 2020. It was still showing delinquent on my TransUnion credit report, so I disputed it. They said it was not removed and the balance had only changed. This account was paid in full and should be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.