23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EXPERIAN IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.
Product: Checking or savings account

On XX/XX/year>, I purchased tickets for the XXXX event scheduled for XX/XX/XXXX through XXXX. I received the tickets on the day of the event, but when I attempted to use them around XXXX XXXX, they did not work, and I was denied entry. 

Details of the Incident : Date of Purchase : XX/XX/year> Event Date : XX/XX/year> Issue Experienced : The tickets were invalid when I tried to use them at the event around XXXXXXXX XXXX 
Actions Taken : I immediately contacted XXXX customer support for assistance, but they were unable to resolve the issue. 
On XX/XX/year>, I reached out to my bank to dispute the transaction and request assistance. 
Since then, the bank has provided vague responses, stating that it takes up to 90 days to resolve such matters and that they will not offer a provisional credit for this type of case. 
It has now been over a month since the purchase, and despite multiple follow-ups, I have not received any clear updates, resolutions, or temporary credit while the investigation is ongoing. 
Outcome Im Seeking : I am requesting a full refund for the invalid tickets, a clear explanation of why the issue occurred, and an update on the current status of my case. Additionally, I would appreciate transparency from both XXXX and my bank regarding the dispute process and an explanation of why provisional credit is not being provided in this situation. 

Thank you for addressing this matter promptly.
Product: Checking or savings account

I've held savings accounts with Capital One 360 since 2005, when it was ING Direct ( before the Capital One acquisition ). I recently learned that at least twice in that time, they created new savings account types with different names and better interest rates, and they stopped offering the old account types. They did not convert legacy customer accounts to the newer better offerings, nor did they notify customers that they could or should take action to upgrade their accounts. This amounts to a disingenuous bait and switch, which resulted in longtime loyal customers losing out on years of better interest rates. 

I contacted them to request back interest payments that I missed out on due to my funds having remained in the inferior accounts to date, but they refused. 

My legacy savings accounts currently show the " Account Type '' as " 360 Savings '', which currently earns 0.30 % APY. The newer and only currently-offered account type is " 360 Performance Savings '', which is currently at 4.15 % APY. That's 13.8x as much as the legacy account.
Product: Mortgage

I am filing a complaint towards JP Morgan/Chase Financial Mortgage services in the XXXX California region. I believe that when buying my home, employees of this institution were in violation of TILA-RESPA Integrated Disclosure ( TRID ) based on my basic understanding of this regulation. My husband and I received multiple closing disclosures with various amounts owed to us or owed by us until the very hour we were to meet with the notary for our final signing ( we were to sign documents at XXXX on XXXX XXXX and the last email communication was at XXXX PST ). In the final documentation, pertinent information was omitted or incorrect ( e.g., it stated that we made no income in the year prior, it had another couple 's name, social security number, and other private and confidential information ). We also had no opportunity to ask questions, revise or amend these disclosures. We were threatened multiple times via conference call, text message, and email that we would not close on time should we delay this process and had been told that as this was a VA loan, they [ the VA ] required specific documentation and must meet strict timelines. Although we currently live in our new home, we are still asked to sign documents for the loan application that have missed our signatures or were not completed correctly which needed to be completed prior to closing. Further, we received multiple promises of monies owed to us that we never received in entirety. Lastly, although the vice president senior lending manager was amicable, flexible, and receptive to these grievances, managers that he deferred us to were either unavailable, condescending, or incredibly difficult to communicate with, and did not follow through with any of the stipulations that were agreed upon during our multiple email exchanges and conference calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, Trans-union, XXXX everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to run my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute XXXX late payment entries on my TransUnion consumer report for the account JPMCB Auto ( Account # : XXXX ). The late payments in question are for XX/XX/XXXX and XX/XX/XXXX. I can confirm that I was never late for either of these months, and all payments were made on time. 

In accordance with 15 U.S. Code 1666b, I request that you provide documentation to support these late payment claims, including : The periodic statement for each alleged late payment. 
The tracking number proving that each periodic statement was delivered to me at least XXXX  days before the respective payment due date.
Product: Credit reporting or other personal consumer reports

I disputed the Victoria Secret balance reported on my credit report by Comenity Bank. Instead of fixing the error, XXXX now reports that I carried a balance on the card of {$7400.00}. This is completely false. I made one in store purchase when I opened the account in the store of less than {$100.00}. I paid the balance in full and never activated the card when it arrived in the mail. I have been trying to get Comenity to fix this error and complained to XXXX. XXXX is now reporting I carried a {$7400.00} balance on the card which is completely false. I am trying to buy a car and can not do so because of Comenity Bank lying and XXXX now joining in on the lies. I have ONE negative mark XXXX my credit score -- all because of COMENITY and NOW XXXX is perpetrating the fraud. I never carried a balance on the card. NEVER. I pay all my credits cards each month in full unless there is 0 % interest. Comenity is lying and so is XXXX. No one will provide any proof. They are trying to extort money from me because there stupid {$40.00} charge in lying fees is now costing me thousands because I can not get a car loan. PLEASE ACTUALLY DO SOMETHING ABOUT THIS. I AM A SINGLE MOTHER TRYING TO PUT MY KIDS THROUGH SCHOOL. I AM TIRED OF ONLINE COMPLAINTS AND NOTHING GETS FIXED -- IT JUST GETS WORSE!!!
Product: Mortgage

I have a mortgage and HELOC and Ocwen is the mortgage servicer. I've been making timely payments on both loans since 2005, mostly via online or over the phone and have never been charged a " service fee '' for paying electronically. Now Ocwen is charging {$7.00} to make payments online or over the phone. These payments are deducted directly from my checking account, so there is no credit card fees or any other fees incurred by Ocwen. In fact, electronic payments reduce Ocwen 's operating costs as I'm not sending checks to their lockbox which charges them a per check fee to process. 

Given Ocwen 's well documented violations and substantial penalties assessed, you would expect them to be more consumer friendly, however, that's definitely not the case as this outrageous processing fee demonstrates. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

AUGUSTA COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has been sending me collection notices in the amount of {$2500.00} XX/XX/2018 2.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Inquiry I have no knowledge of Inquiries that occurred on my consumerreport. I want these Inquiries deleted from my consumer report immediately. 
Thankyou
Product: Credit reporting or other personal consumer reports

The credit bureaus never did a proper Investigation according to the FCRA. The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or Mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. This process was not properly conducted with addition to multiple violations of my rights, In accordance with the Fair Credit Reporting Act, Everything must be 100 % accurate concerning my consumer report. Credit Bureau in violation : Equifax The credit Bureau Never responded to my initial method of communication via mail parcel. 2 of 3 bureaus has already begun the process of inaccurate item removals. This bureaus lack of persistence and punctuality has taken a negative impact on my ability to obtain lending, negatively impacted my approval rating for lender products etc. They also violated the law. Because according to 15 U.S.C Section 1692g ( a ) ( b ) the consumer reporting agency failed to provide notice of debt contents 15 U.S. Code 1681i ( a ) - Procedure in case of disputed accuracy 15 U.S.C 1681. Section 6028. States I have the right to privacy. 15 USC. 1681. Section 604. A. Section 2. It also states a consumer Reporting agency can not furnish an account without any written instructions. This grounds for removal.
Product: Credit reporting

My credit records were merged with my younger brothers, which made my credit score much lower than what is was supposed to be. My name is XXXX XXXX XXXX and my younger brother 's name WAS XXXX XXXX XXXX ( He had to switch the name when we faced this issue ). 
My social security number is only different by XXXX digit at the very end. Mine is XXXX and his is XXXX. I have contacted the Equifax multiple times to fix it. While XXXX and XXXX fixed the problem for me right away. I still had this issue with XXXX and it is costing me money ( have been paying higher interest rate and lost opportunity to apply for the loans/credit related products ). 
I had to submit multiple disputes and still I seem to have the problem. I never did something that will impact my score negatively. It was all happened somewhere else and it damaged my financial stability, time, and efforts to fix it. 
Please look into this for me. Thank you.
Product: Credit card or prepaid card

Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.
Product: Checking or savings account

I overdrafted my account and i was charged {$410.00} once i received my check deposit. My check was {$1300.00} so PNC took roughly 1/3 of what i was paid. I admit that i overdrafted and understand a fee being charged but not any amount that exorbitant. I called PNC on X/XX/17 and a male told me I had valid points and my money would likely be refunded. He escalated my call and XXXX called me X/XX/17. She told me there was nothing they could do. She said it was unfortunate that i did not know i could opt in or out of overdraft protection. I was opted in without my knowledge. That meant that PNC charged {$36.00} per transaction per day. This was never explained to me. Otherwise, I would have never agreed. I would like to only be charged what overdraft fees i owe and would like any additional money PNC took from my account to be refunded. My account is now closed and I am now banking with XXXX XXXX.
Product: Mortgage

I currently have a loan with Santander Bank loan # XXXX on my property located at XXXX XXXX XXXX in XXXX ma XXXX. At this time It is in foreclosure and an auction scheduled for XXXX XXXX, 2015 which is next week. For 8 months we have tried working with the bank on a loan modification supplying them with all the required documentation ( sometimes XXXX and XXXX times ) After all this time they have denied our modification and now want to auction the property.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Re : Debt Validation Request I am writing to you in response to a notice I received regarding an alleged debt claimed to be owed by me. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt. Please provide the following information : 1. **The amount of the debt** : A complete breakdown of the amount owed, including any fees, interest, and principal balance.

2. **The name of the original creditor** : The name and address of the original creditor to whom this debt is owed.

3. **Verification that I owe the debt** : Documentation that verifies I have a contractual obligation to pay this debt, such as a copy of the original signed contract.

4. **Details of the debt assignment** : Proof that your company has the right to collect this debt, including documentation showing the chain of assignment of this debt from the original creditor to your company. 

Until you provide the requested validation, I am disputing this debt and requesting that you cease all collection activities in compliance with the FDCPA. Furthermore, please note that any attempt to report this debt to credit bureaus without proper validation is a violation of federal law and my rights under the FDCPA. 

I request that all future communication regarding this matter be done in writing. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX 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.
Product: Payday loan, title loan, or personal loan

I have been unable to make payments exceeding the minimum required payment amount since taking out the loan. The minimum payment insures I will pay massive amounts of interest to XXXX. I would like to pay down/off the balance of the loan but have been unable to do so. 

There are no links on their website ( desktop or mobile ) to make a payment. The link to make a payment on their mobile app is broken and says " payments are not available at this time ''. I've emailed them twice now, once in early late XX/XX/XXXX and again on XX/XX/2018. I've tried calling multiple times to setup a payment and or ask about their " broken '' wesbite/app features, but I have never been able to get a hold of a an actual person. 

The way everything is with their website, app, and non-existent phone reps it seems like they almost don't want the principal amount paid down ...
Product: Debt collection

I enrolled at XXXX University when I spoke to the advisor he advised me on the course work that was to be done ahead so I dropped the class ahead of the drop/add deadline. XXXX received money from the Federal Government and failed to return the money to Federal Student loan they in turn start calling to collect to XXXX from me that I did n't owe double charging stating that I did not drop in time the class was dropped on XX/XX/2015 and they did not drop me out the system until XX/XX/2015 along with that they added another class. At first I was going to pay just to get them off my back so I tried to settle they refused on several occasions to accept a settlement stating they would never accept a settlement. So I reached out to the federal government and they stated they had been paid in full on XX/XX/2015 for the one class in the amount of XXXX which was more than what the actual class was. The collection has refused to remove debt and XXXX has to as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has boost which shows you pay your bills every month. They use your checking account. They could not find my mortgage payment to XXXX home loan even after I called them twice and talked to them. Now they are saying I am not paying my electric bill because they can not find it. It is listed as XXXX every month on my checking account. All bills are auto payments. They send me emails saying apply for this card and it will improve your credit score.  I applied to one of the cards they send that was through XXXX  XXXX XXXX. XXXX   XXXX XXXX denied it because of the report from Experian. Experian then dropped my score 100 points because of this. I work as a XXXX  XXXX  and have tried to get it on my credit report but they will not put it on they say on of my creditors has to put it on so it looks like I have a low income. I have been with XXXX for over 10 years and I can't get it added to Boost. My credit score should not be listed as poor. Experian is destroying my credit. Could you please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card through XXXX XXXX, which I pay on time. However, Experian will NOT report that I have this credit card and that I am keeping a very low balance or {$0.00} in most cases. 
I have this credit card for over a year, XXXX and XXXX does indeed report that I have this credit card along with other credit cards and that helps my credit score. After numerous attempts to get Experian to report on this credit card, I am getting nowhere with them. 
I have provided Experian a letter of re-insertion that they requested from XXXX XXXX, even after furnishing that letter, Experian is not reporting that I have that credit card in good standing, negatively impacting my credit score. 
I have a {$700.00} limit on the card, and the balance is {$0.00}.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus XXXX  AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Bank of America sent me correspondence, indicating that my TIN number was incorrect for my business savings account. I attempted to call them to receive verification. I was not able to get a clear answer. I asked to speak to a supervisor. Upon being transferred to the supervisor of the employee, the Person indicated that I was not verified. I asked to be asked questions to verify my identity. They refused to do so, and did not address my concern. I stated that it was an IRS issue and I needed confirmation that they had the correct TIN number and that they did not need any more information from me. I spoke to XXXX at XXXX Eastern time on XX/XX/2023 and her supervisor XXXX. Both individuals refused to identify themselves for their refused to give any form of a ID or employee number or last name. 
I repeatedly offerred to answer any and all identifying questions. I also highlighted that this was in fact my XXXX call and that I already spoke with someone but wanted confirmation. 
I explained that the first individual asked me several times the same question and may have either been having a challenge with the phone connection, language or input the information incorrectly as they were repeating to me information such as when I called incorrectly. 
XXXX and XXXX were absolutely atrocious. Absolutely incompetent and with horrible customer service. 
I suggest banking elsewhere. I will be.
Product: Credit card

I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the " custom '' site was nothing more than a substandard, rudimentary, cookie cutter that was never completed. They never finished the logo, never provided any marketing or the coding thumb drive as promised. They ripped me off and I am hoping that someone at my bank can help me get my money back. This company is still operating and I would like to dispute these charges. Services were not rendered and what I received was not what was described. I will be reporting them to the FTC as they are clearly violating the laws and need to be shut down. Please help me.
Product: Credit card or prepaid card

I attempted to setup autopay for a fixed amount, which Bank of America 's website says is possible. It is not possible, and you have to call BoA to figure that out. This is an attempt to get people to pay less monthly, allowing BoA to charge interest when the interest free period expires.
Product: Student loan

want reported accounts to be removed. 
These are the accounts I have marked inaccurate!
Product: Credit reporting or other personal consumer reports

There is a second Navy Federal account showing on my report with a XXXX limit that I did not authorize. I am listed as an authorized user and this was done without my consent or knowledge.