23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington bought my mortgage from XXXX in XXXX, and I have called them at least 10 times at about 15 minutes per call, sent XXXX faxes, and contacted them through USPS. 1. I was told it would be 60 days before it would be reported to credit agencies, but it took 120 days. This negatively impacted my credit score. 2. My monthly payment increased by {$40.00} because Carrington decided that two months ' mortgage - instead of the usual XXXX - is now required for escrow. 3. I was charged {$15.00} for an unauthorized appraisal. 4. Although I canceled my auto draft the week before the due date and paid my mortgage online for XXXX, my auto draft bank account was still charged ; additionally, I was penalized with a {$30.00} non-sufficient funds fee. I was told that my new auto draft account would be active in XXXX, but the old ( now closed ) account was charged on XXXX XXXX, and yet another {$30.00} NSF fee was accrued to my payment. 5. As a result, I can no longer use the auto-draft, online payment, or pay by phone features because of these careless oversights. 6. I received a paper statement in the mail saying that I owed {$36.00} by XXXX XXXX, so I sent payment with the coupon - only to have it returned and certified funds requested. My paper statement for XXXX says I owe {$830.00}. 7. Over the phone, the automated system says both that payment was processed on XXXX XXXX and that I owe {$800.00} for XXXX. XXXX. On the website, it claims payment was received on XXXX XXXX, that my next payment of {$880.00} is due on XXXX, and I am now being charged a late fee without sufficient notice to submit my funds in a timely manner. 9. I am now required to send my mortgage via certified funds for the next six months. 10. When contacting Carrington, the automated system names the company as a debt collections agency, NOT as a mortgage company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit report that don't belong to me.
Product: Credit reporting or other personal consumer reports

Information belongs to my twin brother I have disputed the accounts multiple times and just keep get XXXX XXXX
Product: Checking or savings account

Paypal closed my account and they told me that I can not use it due to fraud but I am just using it to receive payments for my virtual assistant services and coaching services.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Hello Sir/Madame, I have received two bad debts send to collection and they're reflecting negatively on my credit report showing under XXXX from ; XXXX XXXX XXXX for XXXX which I recognize after speaking with the collection company but I never received this bill only to find it on my credit report. 
The second bill reported on my credit report under XXXX is from ; XXXX XXXX XXXX XXXX XXXX which I don't recognize even after speaking with the collection company. I have never visited or been admitted at that location since I live in Pennsylvania not New Jersey. I have spoken the collection company regarding this issue and I will really appreciate if you can look into it. 
Thanks, XXXX XXXX
Product: Debt collection

On XX/XX/2021 at approximately XXXX eastern time Consumer portfolio called a relative of ours and left a message stating they were trying to get location of our vehicle for repossession and wanted them to call back with information. They have contacted another family member multiple times a day even after she has requested them to not call her. Consumer Portfolio has also told us multiple times when we've made payments that they would move the past due to the end of the loan to help us, but this has not happened.
Product: Credit card

I need to report the US bank credit card for their balance transfer promotion. I took a $ XXXX balance transfer on my small business credit card because the US bank advertised it as a XXXX promotion for zero interest. Since my credit limit is $ XXXX, so I kept using the credit card, thinking they'd honor their promotion until 2025. It turns out that the US bank applies credit card payments to the lowest APR first. Therefore, I don't have any options to pay down my most recent purchases to avoid 26.24 % interest. In order to avoid interest charges, I need to pay down the full balance of $ XXXX ( $ XXXX transfer plus recent purchases ). It is false advertising from the US bank. How is this from a 15-month zero interest to 26.24 % just within one month? When I called, the US Bank credit card department said I signed their terms and conditions and that I should see how they apply for payments. Those pages are in small print and not in clear terms. I read their terms again, and they are just words ... without any clear meaning about how they apply for payments. I have been an accountant for 20 years, and as a number person, I think the US bank falsely advertised and treated their clients unfairly. Other credit card companies, such as XXXX XXXX, also have similar promotions. Unlike the US bank, XXXX XXXX applies payments to the highest APR first to horno their promotions. Any help to stop this false advertisement from the US bank will be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I sent a wire of {$4900.00} using the CHASE app. the money still missing until today. 
The receiver have not receive the money.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I've made over 20 calls to their customer service and I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. Especially during the pandemic, I can not afford to have my Stimulus check sitting in an account for 180 days because PayPal says so, and no other reason. My email linked to my PayPal is XXXX.
Product: Checking or savings account

lease help me and possibly XXXXXX/XX/XXXX of others whose accounts have been closed randomly and all the money taken from them. We are in the middle of the worst crisis and now they took my money. I do not have enough to feed my family or put gas in my car to get to work. 

After they closed my account I did some research and they are doing this to thousands of people. I spoke with two supervisors and they actually went through my entire account and could not understand why I was close. 

My issue is probably small to some I had {$720.00} in the account but I really needed that. 

Please contact me. 

I have all the documentation you need to prove Chime commited fraud. I am going to call and email once a day until this is resolved.
Product: Credit reporting or other personal consumer reports

I am writing to DISPUTE the following abstracts that your company supplied to one or more Credit Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, copacetic adhering of Federal and state reporting laws and or appropriateness in your compliant adhering to the mandatorily practiced credit reporting industrys codes namely the XXXX own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofassociable data thatcould or should else better ensure integrity of discords made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which potentially can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably even extremely compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are required to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the late charges added to my credit report from the year 2014 be removed I was in school during this time I should not have late charges on my credit report. XXXX have removed these late charges Trans union and XXXX are not complying they will not investigate they have not shown me any investigation results and they have not removed these late charges. They should not be on my credit report there are 20 in total they say I am late I was not late I was in school. 

Thank you
Product: Mortgage

To date, my phone calls, voicemails and emails are being ignored. I despise that and feel totally disrespected. Triad Financial website states " world class Professionalism : ... I'm finding XXXX. On XX/XX/XXXX I was able to speak to the VP who found this " lost '' cashier check dated XX/XX/XXXX for {$46000.00} and said he would have it applied on the principal of my {$76000.00} loan, have my account recasted as it would make a big difference in my payments and send me an amortization schedule. EVERY DAY I still find only {$34000.00} applied to the principal. By the way, my contract clearly states no penalty for prepayment. My first payment on XX/XX/XXXX and second on XX/XX/XXXX are posted XXXX ... incurring undue extra interest. They have made future payments ( surely including interest on the larger amount ) and the website shows I do not owe a payment until XX/XX/XXXX ... 74 days away! I am still going to stay on schedule and make the XXXX payment. {$41000.00} is hanging in " mortgage ''. No communication nor correction to my account has caused enormous stress from someone not being honest. I think about this constantly. I am XXXX years old and used my life savings to buy this XXXX mobile home and am now helpless in this mismanagement of my money. I have sent a letter to CEO on XXXX and unfortunately not received a phone call nor any response. Is this normal practice? Is this legal??? Please help me to have an accurate posting, date AND money. This is stealing.
Product: Debt collection

I received a letter from a law firm stating that I was a defendant in a law suit in XXXX XXXX XXXX XXXX, and the debt collector was Asset Acceptance , LLC. Knowing that they had the wrong person, I contacted the law firm. The woman at the law firm determined that the name matched but that it was not my social security number. She said to write a letter to the court explaining that and that they should dismiss it on XXXX, but they filed a motion to proceed on XXXX. The person at the law office said that it was a name match. They somehow have my name and address, but I have NEVER ignored any letter or invoice that I have received in my life. They somehow got my name and address and attached it to the person who owed a debt. I do not who the creditor is. All of this has happened so fast that I am in a bind. The hearing is on XXXX at XXXX. How do I find out who is behind this and how to proceed?? I am XXXX and on a fixed income. I have perfect credit and do not want it or my reputation destroyed.
Product: Credit card or prepaid card

Signed up for the Amazon Credit Card as they heavily advertise it. Upon being approved for the card they allowed me to start using it before the card was physically mailed to my house. Unfortunately, you can not signup for auto-bill pay or register an account with the website until the card physically arrives at my doorstep. 

No problem, a few weeks later it arrives, I create a login on the website and immediately sign up for Automatic Bill Payment. This is done successfully and I quadruple check that my payments pay off the full balance ( not just minimum ) during each statement ( like I do with all my accounts ). 

Today, XX/XX/XXXX, I found out my payments were being declined. The Synchrony Banking websites are all broken, and all seem to take you to different portals so I called the 800 number. They confirmed that I signed up for auto-pay but they said " some '' payments ( especially the first ) will not always be automatically billed and need to be manually submitted. Thus, my first payment was never actually paid, and my account is now " delinquent '' and fees + interest accrued. 

It took a lot of time but I was able to pay the balance, get the fees + interest reversed and close the card, however, this is not enough. Their billing practices and customer support are highly suspicious, asking multiple times ( on the same phone call ) for sensitive PII even after I had given it through the automated system AND to the representative on the phone. Additionally, I have never heard of an account not allowing automatic-bill pay in such an inconsistent manner. This should be fixed and should be in massive letters when signing up for auto bill pay that it doesn't work as the customer might imagine.
Product: Debt collection

On XX/XX/20 at XXXX I received a call from " unknown ''. I did not answer but listened to the voicemail that was left. What was weird was my voicemail showed the unknown as " XXXX ''. 

The guy stated the following word for word : This message is solely intended for ( my name here ). This is XXXX XXXX. Im an independent courier calling in regards to certified documents that have you listed as the receiving party. At this time I am scheduled to deliver you your documents and obtain your signature within the next 48 hours outside your home or your place of employment. If your signature is unobtainable your documents will be marked as direct refusal to comply and the process will proceed without you. If you have any further questions or you need to reschedule your service date, you or your attorney will need to contact our business office immediately ( this word was slowly emphasized ) at XXXX and you will need your reference number of XXXX. Thank you and have a good day ''. 

I called the number and a woman answered. 
Note : I knew before calling that it was a scam because I googled a portion of the voicemail and the negative results came up. 

A little music played or something and them a woman picked up and I told her why I was calling and she asked for the reference number. Couple seconds pass and she gave me my birthday and asked for confirmation. She shared with me what the call was about ( in my head I knew she had accurate information of myself personally but the debt information was bogus ). I asked her for her name, company name, company address, and phone number. She gave all four, some with hesitation ... XXXX was her name, XXXX XXXX was the company, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX-something Texas and her direct line of XXXX XXXX XXXX she told me how much I owe with One Main Financial and how much they will settle with for today. She also said the company  wasn't a debt collector but that they help companies get their money back ... ..huh?? 

I asked more questions about what my options were. She said payment plan or pay in full. They accept no checks only card numbers but she told me if I called one main directly that they could take checks ... another red flag. I told her I would call her back and never did. 

The entire conversation I had with XXXX was done with intent on my part. She gave off an insane amount of red flags. From acting like she didn't hear me to her lack of knowledge about how debt collection works. XXXX XXXX and XXXX tried to scam me out of {$8300.00} which is absolutely laughable. I really and truly feel remorse for those who aren't so lucky to catch this!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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

XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX CHEVORLET ( Auto XXXX XX/XX/XXXX ALLY FINANCIAL ( Finance ) XX/XX/XXXX CAPITAL XXXX VIA DEALER ( Finance ) XX/XX/XXXX CAPITAL XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX CAPITAL XXXX VIA DEALER ( Finance ) XX/XX/XXXX CAPITAL XXXX VIA DELAER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX BANK ( Bank ) XX/XX/XXXX CAPITAL XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX I, LL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ACCE XX/XX/XXXX GLOBAL LENDING SERVI XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX XXXX XXXX I, LL XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX XXXX XXXX I, LL XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I, LL XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX XXXX DARROW METRO LL XX/XX/XXXX XXXX XXXX ACCE XX/XX/XXXX CONSUMER PORTFOLIO XXXX XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX GLOBAL LENDING SERVI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a credit freeze on my Experian, XXXX  and XXXX  account last year because I wasnt looking for a new credit and I wanted to be safe. Now, I need to apply for a loan and need to unfreeze my account with all 3 and I was able to do it except with Experian. I followed their websites to the letter, I even have my PIN, after I put all my information, and submit, it says " We are unable to process your request. 

If you would like further assistance in removing your Freeze, please contact us at XXXXEXPERIAN '' So, I called the number, and there is NO person talking to me only the robot, and the robot DOES NOT have an option to unfreeze my account. Then, I went back to the site and re-submit the unfreeze application. After I hit submit, it says " To permanently remove your security freeze, please mail us this letter XXXX or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue XXXX statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. '' Are they serious? Their incompetent website and incompetent call center is a punishment for me? Now, I need to mail my documents to them? I was able to unfreeze with 2 other bureaus easily, why is Experian making everything harder? Cant they just make a system that allows unfreeze credit report?
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : Experian XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It Concerns, On XX/XX/2018, Experian completed an investigation that I initiated in reference to inaccurate accounts on my credit report ; please reference Experian report # XXXX. After reviewing the results of this dispute, I saw that they failed to complete a full and complete investigation as instructed by law. Had they done this investigation and not used their " E-Oscar '' automatic system, they would have easily discovered that my dispute was valid ; as a result, I now demand that they provide me with ALL information, documentation, and contact numbers, etc. that were used to conduct their investigation. As per law ( Fair Credit Reporting Act ), I have a right to demand this information and I expect their full compliance with my request.
Product: Credit reporting or other personal consumer reports

A consumer may exercise the right to opt out at any time. I requested to opt out of the transaction history being reported to my consumer report. I requested in writing and via phone over 4months ago. According to 15 USC 1681 602 states there is a need to insure that consumer reporting agencies exercise responsibilities with fairness, impartiality and a respect for the consumers right to privacy and according to the privacy act 1974 I have right to privacy and at this time my privacy is being violated.