23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I open a account with Fortiva Credit Card with XXXX XXXX XXXX about 11 months ago I received a notice saying they were going to charge a maintenance fee of XXXX a month and the letter stated that if you did not agree with this to call them so I did and I told them I wanted to opt out of this fee and they said I could no longer use the credit card and I was okay with that and then they closed the account and I've been still making a payment so today I called them and stated to them I went on there website to make my payment on the XXXX and something was wrong with there website because it would only let me take the XXXX and I ask them why when the payment was made on XXXX and the representative stated that because I paid it out of my bank account it won't process until the XXXX and I ask her why am I being charged a late fee of XXXX and a XXXX maintenance fee when the account is closed and I opt out of the maintenance fee and she said it don't matter if the account is closed I will still pay the maintenance fee and the late charge. This is not right I should not be charged a late fee or a maintenance fee when this account is closed.
Product: Mortgage

I originally received a mortgage loan from  XXXX   XXXX  and they then sold the loan t o Penny Mac . At the time that I received a mortgage loan from  XXXX   XXXX , my new home appraised for  XXXX . The home was sold to us for  XXXX  and we put about  60000  down. Therefore, based on the appraised value, we were starting off with a loan-to-value ratio of a bout 0.68. N evertheless, when my loan was sold from  XXXX    XXXX   t o Penny Mac, I should  not have had to pay for Private Mortgage Insurance ( PMI ) seeing that I already had a n LTV of 0.78. Penny Mac has said that I need to pay for another appraisal or a buyer 's purchase opinion in order to remove the PMI from my account. My appraisal is a little over 4 months old and Penny Mac insists that the appraisal that I have be 90 days old or less.
Product: Checking or savings account

There has been multiple teller withdrawals for my J.P. Morgan Chase Bank accounts since XX/XX/2023 in the total amount of est. {$4500.00}. I have spoken with branch manager at Chase, Chase protocol in preventing future frauds is unsuccessful. More fraudulent withdrawals kept happening to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. These accounts has been reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS BLOCKED PURSUANT THE FCRA.
Product: Credit reporting or other personal consumer reports

information is not mine and from a whole different state and person
Product: Credit card or prepaid card

I was provided a letter ( which Discover sent to the CFPB as well ) that had an inaccurate portrayal of events leading to the closure of the account along with a phone number, business hours and a contact name ; however, Discover has blocked my account from customer service assistance. When I call the number provided, I receive a message, " We can not service your call, please visit us online. '' Now, when I go online, I receive a message that the XXXX XXXX XXXX can only be reached via phone. 

I am being completely blocked from all communication regarding my account.
Product: Mortgage

Roundpoint Mortgage Account # XXXX is showing various late payments that are inaccurate on and account that was paid and closed in XXXX. No such late payments ever occurred to my knowledge and this loan has been paid off and closed in what I believed was " good standing ''. I am requesting that Roundpoint Mortgage immediately remove the above referenced account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX XXXX  Card Services as a charged off account. This account was Paid In Full on XX/XX/2023. XXXX  XXXX Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX processed payment of {$130.00}. XXXX  XXXX can be reached at ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX Account # XXXX on XX/XX/2022, " demanding the company provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically XXXX XXXX XXXX XXXX XXXX an entity entitled to enforce a commercial claim You do not conduct commerce against me. '' ( I have attached a copy of the letter ). Use of name, birthdate and social security is not validity. XXXX XXXX XXXX did not provide the requested information and did not remove this account off my report.
Product: Mortgage

Prior to Covid my escrow balance was in the negative and my mortgage payment went up substantially. A little after COVID hit I had to request a hold on mortgage payments. Once I was able to pay my mortgage again I called and received options. During that time my escrow was still very negative. I advised rep I would send in something to get it down as it was still a struggle to pay the higher mortgage payment. I was not told to do otherwise just list Escrow Payment on my check. On or around XXXX 2020 I called in to be removed from the forbearance program. I advised I could not pay the new mortgage amount due to it being a few hundred dollars more than what I signed up for. In an attempt to get my mortgage payment down I spoke to a rep about paying my escrow balance down. I sent in a payment that specified escrow shortage and it still got applied to the loan itself. I have called multiple times to get it resolved and now being told nothing they can do after speaking to a supervisor. 

XXXX XXXX
Product: Mortgage

I was placed on a forbearance plan for my mortgage in XXXX of last year because i lost my job now i am earing the end of my forbearance and i want to apply for the supplemental plan that XXXX XXXX from FHA put out for struggling homeowners and FHA stated borrowers can start applying and using this program in XXXX of XXXX, so I reached out to freedom Mortgage and once again i am getting push back for any help with the new program, i was told I can't apply until XXXX of XXXX and FHA states clearly on their website that borrowers have to be signed up for that program BEFORE XXXX XXXX Freedom is telling me i can't apply for that until XXXX of XXXX in which time it will be closed, I need assistance with this company who is always trying to not help borrowers with the programs FHA sends out to help. Why can't i go on the program now it's available now i need the CFPB to get involved with this before i lose out on this program that will def help me
Product: Checking or savings account

Old national bank which bought XXXX XXXX  when i called them and asked them to transfer funds from my savings account to my checking account on accounts that i am the only person who has ever been listed on them and the checking account has been open since XXXX. they then tell me that the only way they will transfer it is if i give them my complete ss # or drivers license number on an unsecure recorded phone line.. should it really take 20+ minutes to transfer funds should it really take over 7 minutes just to get an unhelpful live body on the phone?
Product: Credit card

Since XXXX, Capital One has been preventing me from transferring my points from my XXXX XXXX credit points to airline partners. Whenever I try and transfer points, I am blocked by a two factor authentication which does not work - this is not required to access any other elements of the online banking site. 
I have spent hours on the phone to capital one trying to resolve this issue and have got nowhere - there is no option to resolve the issue over the phone. From online forums, it appears I am not alone in these issues. I pay a large annual fee for this card ( {$390.00} ) and to not get the most significant benefit of it is a complete scam. I urge CFPB to look into this issue at the earliest possible moment.
Product: Prepaid card

In XX/XX/2019 I was issued at EDD debit card to Bank of America I soon after I was XXXX  due to a traffic violation I serve time recently coming home I acknowledged that EDD unemployment was making payments to me which is money I earned through Bank of America into my account with somehow or being used unauthorized and fraudulently and pretty much my money was stolen from me throughout those years of being XXXX amount of XXXX approximately was taken from me which was paid to me I did not authorize the charges furthermore there was three debit cards issued to that account after I was gone which I didn't authorize or ask for and my money was stolen from me I asked that you help reinvestigate to see that my money is credits to my account and giving back to me thank you
Product: Credit reporting or other personal consumer reports

Ive been in communications with TransUnion about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint refers to a unauthorized hard inquiry upon my credit report by   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  ( "  XXXX  '' ). On or around  XXXX   XXXX ,  2017    XXXX    initiated an unauthorized inquiry upon my Equifax credit report. I did not authorize  XXXX  to take such action so I am demanding that this inquiry immediately be revoked and recanted as well as for  XXXX  to permanently destroy all the personal information is received during the unauthorized inquiry upon my credit report. Additionally, I am requesting that  XXXX  provide me with all documentation that caused them to inquire upon my credit report. Finally, should this pertain to a debt, I hereby dispute the debt and have no knowledge of any debt with  XXXX  and request that  XXXX  cease and desist all collection attempts and contact with me for collection purposes. Finally, please provide verification of any alleged debt and do not access any other consumer reports or credit reports of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX JXXXX 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 a account without my written instructions
Product: Vehicle loan or lease

On XX/XX/23 I went to car dealership ( XXXX XXXX XXXX ) to get a vehicle a truck they said I couldnt get a truck my credit wasnt good enough they pushed used XXXX XXXX miles for {$13000.00} after fees and all other add ons I owe XXXX for XXXX I never bought a car from a dealer before and I was definitely targeted and taken avantage of Ive had vehicle for XXXX  months now and on XXXX thermostat wipes dont work I put axle and wheel bearing in it and backup camera dont work definitely ( not ) a {$32000.00} vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to EXPERIAN on XXXX about information that is being reported on my consumer reports as a result of identity theft. This information was disputed on XXXX and I provided proper documents for this information to be deleted per the law 15 USC 1681c-2 within 4 business days. EXPERIAN did an investigation and stated the account was verified. When I called in to get a description of the procedures used to determine the accuracy and completeness of the information that was allegedly verified, I was told by an agent that I had to contact the furnisher and he hung up on me. I called back again and spoke to agent XXXX in the special services department and he stated that he could not provide that to me for privacy purposes. I explained that was against the law and stated that I verified my identity and had a right to get a description of the procedures used to determine the accuracy and completeness of the information that was allegedly verified. The agent then stated he would email me something and he would start another reinvestigation. I told the rep that I had already submitted everything needed per the law and that this information being reported inaccurately is harming my reputation and character and EXPERIAN was invading my right to privacy. I also asked was EXPERIAN a government entity since they call themselves a BUREAU and he stated yes they are and they have the right to report things on my consumer report as soon as I decide to extend credit. This was alarming and completely inaccurate information. I am coming to the CFPB for help since every consumer reporting agency is an elaborate mechanism governed by the BUREAU OF CONSUMER FINANCIAL PROTECTION.
Product: Checking or savings account

On Tuesday XX/XX/2018 the bank assessed a XXXX dollar ( {$36.00} ) 'overdraft paid ' fee. Apparently, the fee was resultant from a temporary hold or authorization pending on the account. The two transactions, in question, ( {$50.00} and {$120.00} ; respectively ) did not actually post to or debit from my account and using the banks own terminology never once moved from the temporary authorization pending to completed categories and has since 'dropped ' off the account completely, as expected. 
I would argue that the account balance was at no time placed into a negative balance based on the transaction type, by design, being transitory. It's my contention that the bank intentionally delays settlement of transactions, of this type, in an effort to maximize the opportunity and occurrence of these contrived, disingenuous fees ; under the guise of revenue generation. 
It's clear to me that charging this fee is a deceptive practice and an attempt to collect rent seeking revenues from its customers. In so doing, this deceptive practice, causes financial harm to its account holders.
Product: Student loan

I owe about XXXX in private student loans. I am XXXX years old and unable to afford a mortgage and move on with my life. is there any way I could pay less or have something forgiven? I am with navient and have a very low interest rate. I am paying XXXX in private loans and XXXX in federal. I 've called many different Places with no help. please help me.
Product: Student loan

I contacted The Student Loan Help Center in hopes of having my student loans forgiven since I am an XXXX service member.They appeared very interconnected with the U.S. Department of Education and informed me that there was a high chance for my loans to be completely forgiven. They informed me that they could help me by consolidating my defaulted loans for me in exchange for a payment of {$900.00}. Although I gave them my personal information such as my SSN, address and debit card number, I feel my sensitive information was mishandled. I am now aware this third party does not need to be involved in the consolidation of my federal loans. I am also currently having those payments refunded to me through my bank and there is a pending investigation for fraud. I wish to inform the community of this organization so that XXXX soldiers will be aware of this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax because of the results of their investigation with a dispute I have with XXXX XXXXXXXX XXXX, Complaint # XXXX. I have provide numerous documents to support my claim that XXXX XXXX is not reliable with their information. I have proved that they have told over 14 completely different versions of this debt. Despite this I get a letter from Equifax today saying they are not going to re-investigate my dispute. They know that XXXX XXXX is reporting false information. I have proved that XXXX XXXX is reporting false information. They have told XXXX, XXXX  and Equifax completely different versions of this debt. XXXX XXXX told three different versions of this debt on the same day to Equifax, XXXX  and XXXX. I proved this to Equifax yet they say they are not re-investigating ( See attached letter from Equifax. ) If the CFPB refuse to do anything about this my next complaint against Equifax will be with the CA Attorney Generals office because what Equifax is doing is illegal. They are knowingly allowing XXXX XXXX to report false information. I have proved beyond all doubt that XXXX XXXX is not credible yet Equifax continues to let them report their trade line on my credit report. XXXX XXXX told Equifax 6 completely different versions of this debt and yet Equifax continues to let them report their trade line on my credit report. The CFPB is also aware of this proof and they have done nothing about it. I have uploaded document after document with my complaints that prove what I say yet the CFPB has taken no action against Equifax.
Product: Debt collection

Bull City financing will not accept my dispute for {$1400.00} I keep telling them I left the house and someone cut the power back on
Product: Credit reporting or other personal consumer reports

The late payments showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Product: Mortgage

this is an on-going problem with this company. I live in a XXXX XXXX XXXX and if the lot rent is not paid by the XXXX - their late fee is like {$100.00}. My mortgage late fee is {$5.00}. 
I only get paid twice a month so I paid the lot rent on my first pay and the mortgage on the 2nd pay of the month. I never go over 30 days. I email an ACH authorization form over in the beginning of the month telling them which day to deduct the money. 
no problems until recently when I noticed a couple months ago the money did not come out as scheduled ( always a Friday ) I had to call and they had to search for it and get it processed. Then this month I sent over my authorization form telling them to deduct the money on XX/XX/XXXX ( 2nd pay of the month ). they did it today causing my account to overdraw and cost me {$50.00} thus far. I called and no one is available to speak to. 
Since they were not authorized to draw money from my account until the XXXX what course of action do I have?
Product: Vehicle loan or lease

I have a XXXX XXXX XXXXXXXX and I have been paying on it for over 4 years now. Recently, I feel Flagship Credit Acceptance has not only called me daily to pay, they have also added late fees and have said those will not be waived and now are threatening me repossess my vehicle with little to no regard on the overall worldwide financial situation that everyone is through. I have another car loan and they are the complete opposite, as they have lowered my payment for 6 months, and have wave all late fees. Flagship customer service does not care if you have financial hardship, they do not waive fees and they do not care if right now many american 's are trying to do what ever they can to stay afloat due to the overall economy. I have paid, but as soon as I pay them, because I am behind they have continued to violate my right by harassing me daily with phone calls and threats to repossess my vehicle.
Product: Checking or savings account

I tried opening a bank account in XX/XX/2016 and was denied. I was a sophomore in college and had never had an account ; neither credit nor a bank. I do have student loans with NAVIENT, so I called them and they assured me all was current, but I didnt get to the bottom of the problem with BANK OF AMERICA. Today i tried opening checking account again and same thing happened. I looked at my credit report but only thing showing up is Navient accounts. 

I'm afraid that someone must have STOLEN my IDENTITY to open a bank account in the past but it is not showing up on my credit report. 

I am a female aged XXXX : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam.
Product: Credit reporting or other personal consumer reports

The account and inquiries in question are unknown to me and do not pertain to any transactions involving the acquisition of goods, services, or money that I have authorized or made. The information provided on some of these account has been deleted from other credit bureaus, which raises concerns about the accuracy of the reported payment histories and the validity of these XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ONE loan with lending club, however, my XXXX  report shows the same loan TWICE which has caused me issues obtaining new credit and credit limit increases. 

I contacted XXXX disputes and all they did was update the duplicate account with the payment history of the existing loan. In other words they didnt do anything to remove the duplicate loan and did nothing to fix it but closed just dispute. 

I contacted lending club today XX/XX/21 and asked for help and was informed its a known issue, no resolution date, theres no letter they can provide before I apply for my new mortgage - so essentially we dont care just deal with it. Please help me as I plan to apply for a mortgage in three weeks and this will be a major problem. Not only that it has also impacted my ability to obtain credit lines in recent card applications.