23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to insure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has XXXX as negative and i am going to dispute this.
Product: Credit card or prepaid card

USAA, reduced my CC from XXXX to {$500.00}, more than {$15000.00} without prior notification. This is an issue for me because it could adversely my credit report. I have never been late or missed a payment, and do not carry a high balance.Even If the company was to lower it by half I would have understood. However, to reduce a consumer CC by more then 95 % is unacceptable. I am a retired XXXX XXXX that is XXXX XXXX XXXX by the VA. I have worked hard to maintain my credit report and at no fault of my own it could now be effected, negatively. After doing some research, this seems to be a negative pattern with this company. How is this even legal? The CFPB should be able to do something about this. I am in the process of buying a home, this senseless act could affect that process.
Product: Mortgage

I am an Elderly XXXX  and XXXX XXXX Senior Citizen that suffers from a XXXX XXXX XXXX due to a XXXX XXXX  and am XXXX in my right XXXX and suffer from XXXX XXXX XXXX in my XXXX XXXX. 
I am a Qualified XXXX Individual and in a Protected Class of Citizens under the Americans With XXXX XXXX ( XXXX ). 
I qualify for enhanced penalties and wish to prosecute PHH Mortgage Services to the fullest extent of both Federal and State Law regarding all violations that are applicable in this instant case. 
If there are other Agencies that can help me, please refer me to them. 

On XX/XX/XXXX I received a mortgage statement showing that my regular monthly payment is {$780.00} and my outstanding principal balance is {$57000.00} of which XXXX is going to principal. According to the amortization schedule printed on XXXX XXXX the loan would be paid off in XXXX of XXXX to where I will be XXXX XXXX XXXX. This schedule is fine with me and i can easily afford the payments as I have a monthly income of XXXX. 

On XX/XX/XXXX I was shocked that my regular monthly payment changed to XXXX without my permission, and I never signed any documents for this change as the last correspondence I received from them was on XX/XX/XXXX " MISSING ITEMS FROM THE REQUEST FOR MORTGAGE ASSISANCE ' The outstanding balance on the XX/XX/XXXX was now {$74000.00} This is XXXX higher and the statement now shows only XXXX going to Principle. I never agreed and would never agree to this as this is unsuitable for an elderly XXXX client with only 8 years left on the loan. 

I do owe them about 10 months in back payments XXXX XXXX to XX/XX/XXXX and have instructed XXXX Loan Officer # XXXX on XX/XX/XXXX at XXXX XXXX PST to put the arrears on the back end of the current mortgage so if I have ONE more year to pay that would be fine ; NOT 30 YEARS! 
I want Enhanced Criminal Charges filed against XXXX XXXX and any other ( DOE ) OFFICER and C.E.O. of PHH Mortgage Services that assisted with this Crime, as well as PHH Mortgage as this Mortgage Fraud, Violations Of The Truth In Lending Act, Predatory Lending, Violations of State Of Nevada Chapter 645B MORTGAGE COMPANIES AND MORTGAGE LOAN ORIGINATORS. 
I will send a copy of this Complaint to The Nevada Division of Mortgage Lending for Prosecution. 
I attempted to resolve the problem in Good Faith on XX/XX/XXXX at XXXX XXXX unsuccessfully with XXXX XXXX # XXXX and XXXX # XXXX without success. 
Please help me as this is an urgent matter regarding my home of 31 years and I am suffering XXXX XXXX XXXX  and XXXX of which I am now under the care of a Licensed Board Certified XXXX and need to get it under control Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : 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 I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 
I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 
Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 


Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address reporting on my credit profile. My address is XXXX XXXX XXXX XXXX pa XXXXXXXX XXXX XXXXXXXX. All other address need to be removed immediately. These inaccurate address on my credit profile create identity theft risk and mail being delivered to wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. I notified Experian of this unauthorized account that was opened fraudulent. Ive provided Experian with police report in XX/XX/2019. Ive filed several disputes. Experian continues to report fraudulent information on my credit report. The name of this fraudulent account is XXXX XXXX XXXX ( a debt purchaser ) with the amount of {$18000.00}. This company purchased this fraudulent debt from XXXX XXXX XXXX XXXX. This fraudulent account is on my credit report under collections. Ive suffered for XXXX unable to buy a home or get other credits because of this fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update or correct the late payment from this account. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my wife and myself have problems with our security freezes on Equifax. We can never do it online and have to call every time. What is worse is that when my wife tried to lift her freeze on XX/XX/2020 she was not able to. When they asked her various questions they insisted that she has a mortgage in her name, she does not have a mortgage in her name at this time and has not for at least 2 or 3 years. They then wanted either a faxed copy or a mailed copy of both her driver 's license and social security card. Since we do not have a fax this is an unreasonable request and there is no way anyone in their right mind would mail this information where it can easily be stolen. We have had these ongoing problems with Equifax for several years now. We do not have these problems with XXXX   or XXXX. It is making it impossible to get credit in many cases. We also have problems pulling our free credit reports.
Product: Credit card or prepaid card

I've placed more than 25 separate calls, attempting to resolve this matter, and the procedure is never completed. What's worse, they keep double-charging me every month for balances that are AUTOMATICALLY deducted from my bank account. 

If they balance is {$3000.00}, they deduct {$6000.00}. If the balance is {$4000.00}, they deduct {$8000.00}. The do this every month without exception, and take weeks to return the funds to my account, and only after I call repeatedly requesting that they fix the mistake. 

This has gone on for the last 5 months, and I still can't close the account. Bank of America is the worst.
Product: Checking or savings account

THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX OR XXXX Partial account # XXXX Date Opened : XX/XX/XXXX First Reported : XX/XX/XXXX Address ID # XXXX Terms : 1 Months Original Creditor : XXXX XXXX XXXX XXXX Monthly payment : Not Reported Type : Collection Credit limit or original balance : {$460.00} Payment history : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX is saying that the checking account was charged off and is listed as account closed on XX/XX/XXXX due to account abuse but I didn't ever commit such acts. They only paid for ( 1 ) EFT TRANSACTION MERCHANT : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX CK # XXXX AMOUNT : {$340.00} DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX WAS OPENED AROUND XX/XX/XXXX AND WAS DONE COMPLETELY ONLINE. THEY BLOCKED MY ACCESS FOR SECURITY REASONS AND I HAVE NEVER BEEN ABLE TO USE MY DEBIT CARD NOR HAVE I EVER RECEIVED ANY MONTHLY STATEMENT FROM THEM. IT'S LISTED TWICE UNDER THE BEST SERVICE COMPANY DEBT COLLECTOR. THE 1ST ORIGINAL AMOUNT OF THE ACCOUNT WAS {$5800.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$7900.00}. THE 2ND ORIGINAL AMOUNT OF THE ACCOUNT WAS {$1200.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$1300.00}. THEY JAVE COMMITED FRAUD/UNAUTHORIZED SERVICES AND I HAVE IT ON MY XXXX   CREDIT REPORT AS SUCH ALONG WITH A FRAUD ALERT ON ALL 3 CREDIT REPORTS THAT I'M A VICTIM OF IDENTITY THEFT/FRAUD.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I requested proof of public record. Equifaxing provide proof that XXXX is reporting a bankruptcy for me. I am attaching a letter from XXXX XXXX showing proof that the bankruptcy was removed because they couldn't verify the data.
Product: Debt collection

i already sent you the info and you have done nothing ... .you have them in federal court so you know they are not a good company..
Product: Mortgage

My loan servicing was recently sold to Mr. Cooper ( how anyone could think that name would instill confidence in consumers is beyond me ) who clearly has no idea what they are doing, or thinks they can assess a baseless increase to the monthly escrow payment and get away with it on a loan servicing takeover. There have been no substantive increases to any costs paid from the escrow, I have well over the minimum balance required by law in the escrow, and the existing payments stay well ahead of scheduled expenses to be paid from the escrow throughout the year... thus. no basis for the increase. Nonetheless, Mr. Cooper has tried to assess a whopping 25 % increase to my monthly payment.
Product: Prepaid card

I purchased a {$75.00} American Express Gift Card from XXXX yesterday for myself since I dont yet own a Debit card. So that means I spent {$80.00} on a pre-paid gift including the Activation fee. I went home and tried to spend my money at XXXX, XXXX, XXXX XXXX, XXXX. But nothing would work. Its really frustrating because I exclusively bought the gift card to use it on online purchases, but now XXXX cant even spend the money. I attempted to call the customer support number 3 times, they all told me that I couldnt spend it on specific stores since something about their policy. I asked if they knew a list or anything on where I could spend it and they told me that select online stores and some in person shops. Ive tried over and over to purchase something, but nothing would work. Also, nearly every time I tried to spend my money, it took away {$0.00} dollars from my total balance. Ive looked everywhere online and even tried to look for stores I could purchase stuff in, I really dont want to waste there {$75.00}.
Product: Credit card or prepaid card

I opened a XXXX AMEX card inXX/XX/XXXX. I was told I would receive XXXX XXXX points after meeting a minimum spend requirement, which I met shortly after opening the card. I have not yet received these points. I have reached out to American Express on numerous occasions sinceXX/XX/XXXXand have been repeatedly told that the points will post " soon ''. I 'm tired of waiting. They are aware that this is a problem but are doing nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concern : I believe my wife and I personal identities have been compromised by a fraudulent agent that stated he was a customer service representative from Back of America. He informed us that {$400.00} was debited from our checking account and he needed our social security numbers and debit card information in order to reimburse us for this fraudulent charges to our account. We contacted Back of America fraud department to inform them of this situation and also contacted the Attorney General of Rhode Island to inform him of this situation. The Bank of America fraud department informed us that they did not contact us and have no record of any customer service representative had contacted us. Therefore, the fraud agent from Bank of America is scam and that we needed to contact social security department and Attorney General of Rhode Island about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported me late time after time. I missed one covid payment and was always current and they kept reporting me late. Now i can no longer get a refinance, i am totally current
Product: Mortgage

My XXXX mortgages were service transferred from Ocwen to a new servicer as of XXXX XXXX, 2015. I did not receive any notice of the transfer from Ocwen. My payments for all XXXX mortgages were sent via electronic transfer to Ocwen from XXXX XXXX XXXX my account ) on XXXX/XXXX/15 and were received by Ocwen on XXXX/XXXX/15. I called Ocwen to confirm that they received my payments and they are telling me that they have no record of the transfers to them as of XXXX/XXXX/15. I went to my bank and confirmed that the payments were sent and they were definately sent to Ocwen. Ocwen keeps telling me that they can not tell me where my money is even through they have had it for over XXXX hours in their wire transfer account.
Product: Credit card or prepaid card

I found 4 transaction unauthorized around XX/XX/XXXX and immediately after I filed for disputes on those transactions. At the same time, I found out my card lost although i still using the card information for online purchase. However, I received a letter today stating those charges are valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to improperly report information based on their own internal policies while ignoring what the Consumer Laws dictate with respect to reporting information to the Credit Bureaus .

I have had conversations with PHEAA agents and when I explain to them that this behavior has the potential to generate fines against the agency, the PHEAA agents pretend to act like what I'm telling them is not correct and that their agency could never do anything like this ( WITHOUT INVESTIGATING MIND YOU ). Agents who I've spoken with over the phone most of the time sound as though they are completely new, incompetent, careless, eating while on the phone, having a bad day and taking it out on the consumer who just wants legitimate answers instead of 1st grade reading level answers, or even people who get upset when I ask why they're having a bad day. CFPB Reps, you should hear some of these agents on the phone. I'd be interested to know how many of them actually abuse controlled substances in the workplace. 

PHEAA has openly admitted multiple times to me that the payments that are made through their online portal ( with the use of a valid checking account ) would take 2 business days to process. When I ask them if they consider the payment paid on the date it was submitted, they claim no. When I ask them what would happen in the event that this action occurs right as the month ends, they admit to reporting inaccurate credit information, and that if they do and find that the payment was posted on the day it was submitted after their 2 day processing threshold, that they would reach out to the Credit Bureaus to fix the mistake. This means that they are violating the law. The agents who respond to this are also violating the law by allowing the reports made by consumers to go un-investigated as clearances require oaths. Financial Entities can not just misreport information to the Credit Bureaus because of their own policies that contradict statutes set forth by the US Government. 

Again, PHEAA acts like these complaints I make against them are ridiculous, as they've stated in the past. Unfortunately, these complaints are necessary to keep the company accountable. As of this complaint, the company still refuses to act appropriately when responding to complaints by failing to provide all information to every single aspect of a complaint. PHEAA selectively answers only some questions while completely ignoring others.
Product: Credit card

I have been added to a credit card account that I did not request to be added to nor did the person whose account it was request I be added to. I am now a joint owner of another persons credit card account when all I did was apply for new credit. I spoke with US Bank Manager XXXX XXXX Employee # XXXX and he said there is nothing he could do to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX {$220.00} XXXX XXXXXXXX {$21000.00} XXXX   XXXX {$25000.00} DEPTEDXXXX   XXXX {$15000.00} DEPTEDXXXX  XXXX {$1100.00} DEPTEDXXXX XXXXXXXX {$5500.00} DEPTEDXXXX  XXXX {$250.00} DEPTEDXXXX   XXXX {$3200.00} DEPTEDXXXX XXXXXXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00} DEPTEDXXXX XXXXXXXX {$3500.00}
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXXXX/XX/year>, my company XXXX XXXX sent a payment of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX for my tourists. The payment was made from XXXX XXXX, which was subject to international sanctions. We requested a payment tracker, which shows that the funds are in a XXXX XXXX JPMORGAN CHASE BANK , N.A . We contacted XXXX twice, but never received an answer. Help me find my money
Product: Money transfer, virtual currency, or money service

I was making a transaction with a seller and he told me to pay through XXXX since it was the most convenient option. I went through with this payment method since my bank provided it, only to be scammed out of my money, which was more than XXXX . I have tried contacting the seller but have received no word. I looked to see how this issue is fixed but have seen in forums that my bank provider, Wells Fargo, does not honor protecting people through XXXX. I need to get my money back because I have payments coming up. I need help ASAP
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I Used Zelle thru my bank, XXXX XXXX to purchase an item for {$250.00}. The minute I realized it was a scam I called XXXX XXXX but was told there was nothing I could do
Product: Credit card or prepaid card

Credit card from Bank of America Allegiant was opened in my name. I did not apply for this credit card. I contacted the credit card company on XX/XX/22 to cancel the card and they cancelled the card. I waited on hold for over 45 minutes waiting to speak with the fraud department to determine how/why/when this card was applied for and did not get to speak with a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of personal credit report on XX/XX/2018 from both credit bureaus XXXX  and Equifax. I noticed that some of my student loans through XXXX XXXX XXXX was on my report twice on Equifax. I wrote a letter asking them to verify and delete all double reporting that has had a great impact on my credit score because it made my debt well over {$160000.00}. Equifax investigated this claim. many accounts were taken off. Then when they sent my credit report I noticed that some of my accounts from XXXX XXXX XXXX was deleted that were still in good standing. As of XX/XX/XXXX both credit report reported that my student loans were included in an active Chapter XXXX, and or XXXX. I have submitted several documents that have proved that my loans were in fact in a forbearance never late. On XX/XX/2018 I was notified from XXXX XXXX XXXX that my consolidation was approved and what my payments will be. The loans on the XXXX report went into  paid/closed status. The late payment for XX/XX/2018 was never removed and I never recovered my points back.