23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

They have been several occasions where Selene Finance was paid on time and they charged us with late fees. Their payment due dates are between XX/XX/XXXX XX/XX/XXXX, we were told that if they were paid within those date ranges we would not incur any late charges. We began paying them on XX/XX/XXXX after I got off from work and they would still charge a late fee. When I inquired about why we were receiving the late fee then they said that we had to pay by XXXX XXXX. The problem with that is their system is down from XXXX XXXX to XXXX XXXX which makes it difficult to comply with their rules. <P/>In addition to the above mentioned, we decided we would chose a different Home Owners Insurance from what we had when our Home Loan was first sold to Selene Finance because we would get a group discount. Without our consent Selene finance changed it back to the original HOI provider and once we inquired about why this was done we were told that they didnt know. We then asked them if they would switch it back to the provider of our choice and they told us that we could but we would have to pay it in full ourselves and they would reimburse us the money they paid. We have many more issues with Selene that they have yet to address. <P/>Thanks XXXX & XXXX XXXX
Product: Checking or savings account

Sir/Maam, My name is XXXX XXXX XXXX I have been a Bank of America client for years ; unfortunately, I am writing to file a complaint against the bank. The nature of this complaint centers around an unauthorized transaction from XXXX and Bank of America honoring that transaction. 

On XX/XX/XXXX, I purchased a flight on XXXX for {$710.00}. When the itinerary was sent to me, however, it stated that the flight was for XX/XX/XXXX. I contacted them through chat to no avail. After that, I called them and told them that they gave me the wrong date. I told them that it needed to be changed, and if that wasn't possible, that it needed to be cancelled. The representative at XXXX told me that a change or a cancellation had to be done through the airline. They gave me the number for customer service. My next move was to call XXXX. The representative at XXXX told me that a change/refund had to be done through XXXX ; they gave me the customer service number for XXXX. I called XXXX ; they told me that a change/refund had to be done with XXXX Therefore, I called XXXX again. Once more, the XXXX representative told me that the flight could not be changed/refunded through XXXX, and that I had to contact the airline. They sent me in circles for two hours. 

I had to purchase another ticket, not from XXXX, to get to XXXX. I called Bank of America and filed a claim for the {$710.00}. They refunded me while they conducted their investigation. This month, they concluded that the transaction was valid. It was not. I did not use XXXX for they gave me the wrong date. I have been in XXXX since last month and refuse to pay for a flight I did not select and was not on. 

I am bringing this issue to your attention in hopes that you can resolve it and refund me the {$710.00}. Being a XXXX in XXXX, I can not afford to have Bank of America give away my money.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX Dear CFPB : The three major credit-reporting bureaus have become co-conspirators in FBI reported criminal fraud.

Please read all attached evidences. 
Since my first fraud alert on XXXX XX/XX/XXXX, each escalation has developed hard evidence for prosecutors.

Im not their ordinary fraud target. I keep material evidence, and Im tenacious.

I beseech the CFPB to either prosecute or delegate this case explicitly to Arizona, New Jersey or Massachusetts to lead an investigation into the primary criminal actors who electronically transacted fraud in New Jersey from Arizona and Massachusetts, and potentially across the U.S. to others, as well.

This round-robin of referring consumers to each state, the U.S. Comptroller of Currency and other agencies with partial jurisdictions, only to refer it back to CFPB to transfer a benign paper trial without action, is exacerbating this fraud, encouraging more crime and further victimizing the victim.

Senior fraud, alone, rose 84 % last year. People XXXX and older were defrauded out of more than {$35000.00} each on average in white-collar shakedowns, not street muggings. And small frauds like mine are rarely reported, because of victim-shaming, so the true cost of frauds could be mindboggling. 
https : XXXX The failure to prosecute -- or to make even commonsense appeal to the corporate leaders raking in 12-figure salaries because of fraud success -- is why fraud report figures grow seemingly exponentially every year, while other types of crime rise and fall. What would you choose as a major at Criminal University? 
The primary conspirators, this vendor and XXXX Bank, did not just make mistakes or oversights. They are not uninformed about consumer rights in law. They are boss and bagman, clear as day dawns. 
These XXXX multi-BILLION-dollar corporate criminal conspirators are not merely apathetic to the crimes of the other. They ae steadfastly devoted to uplifting each others criminal roles. Why not? Its profitable, and very, very, VERY profitable to their CEOs to boast to investors to buoy XXXX XXXX a win-win-win, as long as you dont think about all the seniors {$35000.00} annual XXXX to accomplish the achievements. 
In joining as XXXX hit-men to fulfill the boss and the bagmans malicious attempt to shut me up and take my lickin for not succumbing to extortion, these XXXX credit bureaus that are or wannabe multi-BILLION-dollar companies assume all the same blame, as in any XXXX conspiracy. 
They all do it because they can. 
They do it because government teeth and funding have been insufficient to nail the racket, so far. 
These are XXXX big fish, CFPB. XXXX a little nobody struggling to stand my ground on a mere {$63.00} and XXXX cents that I dont owe anyone, but all of us like me are the iceberg. XXXX not going to shut up and go away. 
CFPB and other watchdogs should not stand back and stand by while I give you this full view to see XXXX big bullies bloody and beat me on the proverbial playground for my {$63.00} lunch money as part of the 1 % XXXX XXXX of each XXXX for an average {$35000.00} a year.
Product: Credit reporting or other personal consumer reports

The address : 1XXXX XXXX XXXX XXXXXXXX, NJ, is incorrectly associated with my name and credit report. I am a survivor of XXXX XXXX and this information is not mine.
Product: Vehicle loan or lease

XXXX - loan taken out at dealership from Huntington National Bank late XX/XX/2024 - using existing online banking tool, scheduled one time payment from XXXX Bank on XXXX and recurring payment from XXXX starting XXXX. Huntington currently has a recurring payment from XXXX on a different auto loan from the same XXXX account XXXX - Huntington claimed NSF and charged my {$25.00}. XXXX did not charge me and there were sufficient funds. 

XXXX - Using existing online banking tool, re-scheduled one time payment from XXXX bank. Deleted previous recurring payment and re-entered it. I assumed I XXXX have made a mistake. 

XXXX - Huntington claimed NSF and charged my {$25.00}. XXXX did not charge me any NSF fees and there were sufficient funds. 

XXXX - Went to local branch. They claimed that this was XXXX 's fault for rejecting payments or that I had entered the wrong account information multiple times. XXXX has no record of Huntington charging me for this loan. XXXX has extensive records of charges for the other auto loan. Paid delinquent and XXXX payment amounts via XXXX check XXXX Set up ACH directly with Huntington at branch. I firmly believe Huntington 's online banking tool did something to the entered account number that led to these rejections. I use the XXXX routing and account number frequently for other vendors and have never had a problem. I find it extremely hard to believe I made two mistakes in quick succession with Huntington especially based on my experience and my focus on entering the second payments after the first NSF rejection. Huntington Branch stated they would enter a complaint on my behalf. I tried to enter a complaint directly to Huntington online and was unable to do so.
Product: Credit card or prepaid card

On XX/XX/2019 I attempted to apply for the American Express Delta Gold card with a promotional offer of XXXX advertised on XXXX. Once clicking, I was routed to American Express 's website where I received a system error on American Express 's side. I called and was told they could not find any offers. I then XXXX at American Express and was given another phone number to call. At that time I was able to apply on the phone. I gave the customer service all of my information, and the account was instantly approved. 5 days later I received my card with a {$1000.00} limit. I then called to find out why I received such a low limit yet was instantly approved and stated that there must be a mistaken given my high credit attributes and high income. I received a credit report from XXXX using XXXX XXXX only a few days before applying which showed a XXXX score, and stating that my credit was better than 76 % of the US. Given the oddity of this I asked if there was a mistake, however after being transferred 4 times I was told that no one could explain the result or if a mistake had been made, but that I could request a limit increase which would require another credit inquiry. I ask, in the span of 5 days, why would I need to risk damaging my credit twice in order to receive an accurate credit line or explanation commensurate to my attributes. As a final point, if the offer to receive XXXX requires a $ XXXX spend in 3 months, wouldn't it make sense that the limit be atleast {$2000.00} ... forget the fact that a family of XXXX couldn't get anywhere in the world and back for {$1000.00}.
Product: Credit card or prepaid card

Card provider : https : //myprepaidcenter.com card type : XXXX card status : expired Balance : available customer service : XXXX Website FAQ Says : https : //myprepaidcenter.com/faq : Does the Card expire? 
Yes, the card will expire after XXXX EST on the last day of the month of the valid thru date found on the Card Details page. However, if funds remain on the card after the valid thru date, you may request a replacement card at no charge by calling Customer Service. 


Issue : NO Option for replacement card in automated support nor live operator support.
Product: Credit reporting or other personal consumer reports

Navy Federal CU {$75000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the Gramm-Leach- Bliley Act. Violations of the Gramm-Leach-Bliley Act for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, XXXX, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the Gramm-Leach-Bliley Act 15 U.SC. 6801 et seq. also known as the Financial Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a written request XX/XX/2022 to verify their method of verification of a collection account on my credit report. The Account named XXXX XXXX  XXXX XXXX in the amount of {$11000.00} appeared on my credit report XXXX of XXXX. I disputed the item as not mines and asked Experian to investigate, I was told the company verified my information as correct. When asked to provide me with that information i was told by multiple associates in the dispute team as well, as supervisors that they were provided my social and written information from the furnisher and would not provide me with that information although it is my right under the FCRA.
Product: Mortgage

I APPLIED FOR A LOAN FOR XXXX AND WAS APPROVED. I SENT EVERY PAPERWORK THEY ASKED FOR AND THEY SENT ME A APPROVAL LETTER. THEY THEN TOLD ME TO USE THEIR REALTOS AND BEGIN LOOKING FOR CONDOS. THEY KNEW THAT IT WOULD NOT BE RIGHT AWAY THAT I WOULD FIND ONE. THIS IS THE MESSAGE I RECENTLY GOT IN THE EMAIL. 
THIS IS THE MESSAGE I RECEIVED AFTER 10 DAYS THEY  COULD NOT LOCATE A VA APPROVED CONDO FOR ME AND THEY REQUIRED THAT I USE THEIR REALTORS. 




" XXXX XXXX, We wanted to send you a note to let you know that your loan file has been closed because it was withdrawn, denied or marked incomplete due to inactivity. 
A letter outlining the full details of your loan closure should arrive in the next 10 days. If you have any questions in the meantime, or if you don't receive your letter after 10 days, feel free to reach out to your Loan Officer. 


Sincerely, XXXX XXXX XXXX XXXX ''
Product: Debt collection

CFPB Complaint : XX/XX/2020 This complaint is in regards to a Credit Card Debt Collection. The collection agency is identified as The Bureaus, formally known as The Bureaus Inc. I am the sole individual involved in this matter. 
On XX/XX/2020, I sent a certified letter asking for debt validation to 'The Bureaus Inc ' to their specified address online : XXXX XXXX XXXX XXXX XXXX IL XXXX. On XX/XX/2020, I was informed via USPS tracking that the letter was not deliverable and also unable to forward. After some extensive research, I was finally able to locate a second possible address for The Bureaus, who no longer identified themselves as The Bureaus Inc. 
On XX/XX/2020, I proceeded to resend my certified letter to The Bureaus at address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. As stated in my debt validation request, I am allowing the company 30 days to respond. In actuality, I allowed more than 30 days for the company to respond. 
On XX/XX/2020, after not receiving any response from the company, I decided to phone The Bureaus at XXXX XXXX XXXX XXXX and requested proof that my verification letter was in fact, received. After validating my identity and locating my account, the operator was able to confirm that my letter had been received on XX/XX/2020. It was also confirmed by the operator that a follow-up letter had not been sent out via mail to me. I requested to speak with a supervisor, and the operator informed me that she was unable to transfer me to speak to someone at The Bureaus directly. Her reasoning, because she did not work for The Bureaus. The operator whom I was speaking to, actually worked for another company, subcontractor for The Bureaus. Considering all conversations are recorded, I accepted her rebuttal that she would reach out to The Bureaus, and inform them of my request to have my debt permanently removed from all 3 credit agencies. 
On XX/XX/2020, I received a debt verification letter from Bureaus Investment Group Portfolio NO 15 LLC regarding a debt of {$300.00} from the original debtor, XXXX  XXXX XXXX. Their letter falsely states that I requested a validation of debt on XX/XX/XXXX, XXXX complaint
Product: Debt collection

A company I never did business with marked me as XXXX days late
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$84.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Upon attempting to obtain housing I was denied the ability to move into a new home due to this account reporting on my consumers report. I have tried to resolve this matter with each credit bureau and was disregarded. I have never knowledge of this account nor did give this company permission or my written consent to furnish anything on my credit report. Without my written consent and my permission and my knowledge would be considered identity theft. 
In accordance with the Fair Credit Reporting Act XXXX Account # 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 ) section2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thave NOT given my consent nor have I given or received written instructions to furnish this account. I am being taken advantage of From Experian XXXX and XXXX and they are violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover allowed an unauthorized person to get added to my account and charge over {$10000.00} worth of fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX In regards to XXXX XXXX XXXX. 
Account Info Tap labels for more details Account numberXXXX Collection openedXX/XX/XXXX Account type Debt Buyer That account does not belong to me. 

Experian has not provided proof of debt validation, neither has the original creditor. although I have requested this via certified mail. 



I ask once again to have this item removed from my credit report. 

I will continue to pursue this matter until it is resolved to my satisfaction. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. I demand immediate and unwavering attention to my identity theft disputes. The languid pace at which your bureau has operated is nothing short of negligence, and it has amplified my suffering. It is high time you realize the real-world consequences of your inaction. PLEASE DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For going on 3years i have been trying to work with this company on getting this account removed from my credit, i had an apartment in which i stop paying rent due to repair issues the apartment complex never made. We went to court for non payment of rent, i showed the judge my supporting evidence to my claims why I feel I did n't owe rent. The judge agreed with the evidence and enter a no money judgement and said they would have to open a new case to sue me to determine the final amount owed if any. The apartment complex never did that. The apartment complex sent my account straight to collections where they are trying to collect and i also have them on voice recorder saying they offer a pay to delete. They have also harassed me and threatened to take me to court by their lawyers which never happened.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Debt collection

Company, Halsted Financial, calls 4-5 times per day. When I answer the phone the person on the other end says nothing and does not hang up.
Product: Debt collection

At XXXX XXXX CST, I received a call from ( XXXX ) XXXX that I answered. 

An individual came on the line and asked if I was XXXX XXXX and I affirmed. They asked for my address and I stated I wouldnt further identify myself until they told me who they were with and why they were calling. 

They stated it was a personal business matter and to again confirm my address. At this point I asked who they were with again and stated their name and they were with Portfolio Recoveries. 

So, at that point I said so this is a debt collection call and they refused to state that it was until I identified myself which I ultimately did via the last 4 of the SSN. 

Only at that point did they disclose they were a debt collector, stated my debt was too old to sue and that certain actions could restart the timeline of the ability to sue but if that was the case they would not sue, and then proceeded to ask about a XXXX XXXX debt they claimed I owe and asked if I was able to pay it. 

I asked if they could provide proof of validity of the debt, expressed that I dispute the debt as being mine or valid, and they stated they could mail it to me which I refused. 

I also stated that I would send notice in the mail regarding this collection and was told I could either sign onto a website via an account or have them mail something to me. I requested the account number he said he had which was XXXX. I again repeated that this debt wasnt valid and after stating I would contact the company about this the call was ended. 

The refusal to identify themselves, the company or the purpose of the call, refusal to answer a direct question of their identity, then only give the company name without identifying it as a debt collection attempt as well as stating it was a personal business matter that required verification of my identity is a violation of the FDCPA.
Product: Credit reporting

Equifax has lied and claimed XXXX different companies said something that none of them said and has refused to back up proof, well I am about to submit proof as to how the XXXX XXXX XXXX account was not mine and why all accounts associated with it are not mine. XXXX XXXX XXXX claims the account was charged off in XXXX by someone named esquire, myself, and a XXXX XXXX. In XXXX XXXX of XXXX, I was married to XXXX XXXX who became XXXX XXXX. In XXXX of XXXX, all her accounts were changed to her married name including a student account she had with XXXX XXXX XXXX. I am attaching a few pictures of her card showing this. Now explain to me why I should not sue you for the XXXX you have cost me by being mentally challenged. Give me a XXXX or 60 day response and I will make sure court papers are filed the next day. You were caught committing a felony and should be charged but we all know heartless souls like those at Equifax bought all the agiencies that oversea them.