23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a VISA account with Citi as a result of them being a Costco service provider. I had several issues with their billing and decided I would pay off the account and ultimately close it. I scheduled an electronic payment for XX/XX/2017 based on my statement that paid the stated balance in full. I received the statement for XX/XX/XXXX and there was an interest charge of {$4.00} as of XX/XX/2017. I called and the service rep told me that this was an interest charge on the prior month 's balance. In other words, they are billing me interest even though there is no outstanding balance at the time the interest is being charged.
Product: Mortgage

My mortgage was transferred to SPS a while back, after 15+ years with XXXX XXXX XXXX XXXX We received communication the end of last year, that in XXXX our payment would go up {$420.00} starting in XXXX. It went up over {$600.00}. I have sent many, many requests to their Ombudsman to receive a copy of the correspondence they sent out showing that my payment would go up {$600.00}, however they have not been able to provide that to me. They did have one person call me that was very rude and condescending, schooling me in mortgage loans and escrow ( I have been paying mortgage loans for 40+ years, I already know how they work ), She just continued to talk over me and be very rude. I asked her where I got in writing that it would go up over {$600.00}. She could not tell me and I told her I would send the correspondence I got, I even highlighted where it said {$420.00} and I have not gotten a response back. With my correspondence, I let them know that I can not take phone calls, I work a very hectic job of 50+ hours a week and can not take calls. Oh by the way, my job is working with loans, so I do know how they work. They have tried calling me twice, despite my telling them multiple times I can not take calls, and then I get an email after each call stating " they have been trying to reach me ''. That is so bogus, it is not even funny. All I am asking for is a copy of what they sent to me, letting me know that my payment would go up $ XXXX, and to show me why the difference from what I got in XXXX, and provided I agree, I will let this go. In the meantime I get two phone calls from them that I have told them I can not take. I would love to have resolution to this issue, but can't seem to get there. Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Debt collection

Asked them to stop Calling me as I am using a third party service to settle my debts. They have continued to call me, most recent XX/XX/2020 and XX/XX/2020. They have also called my MOTHER and my FATHER post me asking them to cease calling. My mother was contacted yesterday, XX/XX/2020, after I again asked the woman who refused to identify herself on my phone for several minutes, to stop calling. This is harassment and I want it to stop. They had ceased Calling for several months and I do not know why they have started again. The company is American Express.
Product: Checking or savings account

Sir/ma 'm This is XXXX XXXX XXXX i have created checking account with charles schwab on XX/XX/XXXX and i have deposited {$110.00} from my own XXXX XXXX XXXX account to my charles schwab account through XXXX on XX/XX/XXXX. 
I have verified my identity at XXXX branch ( XXXX XXXX XXXX, XXXX, ca, XXXX ) presented my driver licence with up to date adress XXXX XXXX XXXX, XXXX, ca XXXX, which is also on file with XXXX XXXX account. 
shortly after i was denied acess to this account, i was told it was because of my adress, i rent a room at this adress through airbnb, i live here long term and i recieve mail at this adress, this adress is also on my drivers licence. 
my account has been closed and the funds denied. 
im filing this claim because this is unfair and unethical business practice, im still looking to recieve the money i have deposited with charles schwab {$110.00}. 
thank you for understanding and have a good day.
Product: Debt collection

Hi it Includes XXXX people and companies, XXXX, Boa, and XXXX XXXX XXXX, I bought a bundle of computers and printer products for under XXXX, got no rewards from Bank of America Corporation because they put me into collections and I was not paying automatic payments which they wanted me to do. I was paying snail mail. It's been months paid in full prior to collections and closing my card and ruined my credit. I have spoken with BOA in person and email and phone and they did nothing to help me with this. Angry at them all.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate XXXX information that is currently listed on my credit report. The XXXX XXXX number XXXX, dated XX/XX/year>, is incorrectly associated with my credit file. Upon further investigation, I have found that this XXXX XXXX pertains to an individual with a name similar to mine, but it does not reflect any financial proceedings related to me. 

In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. Under Section 611 of the FCRA, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. I am exercising this right to request that you immediately investigate this matter and remove the incorrect XXXX information from my credit report. 

Attached to this letter, you will find supporting documentation, including proof of my identity and any relevant details to assist in your investigation. I kindly request that you notify me in writing of the results of your investigation, as required by law, and provide me with an updated copy of my credit report once the inaccurate information has been corrected. 

I appreciate your prompt attention to this matter and expect the error to be corrected within the 30-day timeframe stipulated by the FCRA. If you require any additional information from me to complete your investigation, please do not hesitate to contact me.
Product: Credit card

I am past due on my balance. I missed a payment. One payment. I am getting calls all day long. Literally from XXXX to XXXX from various numbers. To the point of harrasment. At least 5-6 calls a day. This is a violation of the law and my rights. It needs to stop. This is not necessary for one missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information reporting on my XXXX and Transunion credit report. They are reporting an account in which I do not recognize. Transunion is reporting the account as XXXX XXXX while XXXX is reporting it as XXXX XXXX XXXX XXXX. How does this meet FCRA regulations when the account numbers are different? All data furnished should be the same and consistent, but this account is not. I have only 1 closed account with this company, and this is not the account. I am requesting that this inaccurate information is deleted from my credit report immediately. I will attach the inconsistent credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have mailed in several disputes with the 3 major credit bureaus ( XXXX, Equifax and XXXX ). XXXX XXXX XXXXXXXX shows on my credit report as late 90 days and settled for less amount. It's showing twice which I have never been late nor settled the accounts. It should show Paid In Full Closed Never Late. 

There is another derogatory on all three credit bureaus for XXXX XXXX. I have contacted all the 3 credit companies and XXXX XXXX regarding this XXXX XXXX XXXX XXXX XXXX which I never owed. I submitted several claims and disputes by mail and online and it keeps returning with the same negative information. XXXX XXXX is not aware of this account allegedly belonging to me I am writing to you to please help me get this issue resolved. 

The following is the most recent dispute results opened on XX/XX/2023 and Results came back on XX/XX/2023Report Number XXXX Date Generated XX/XX/2023 XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 


Thank very much.
Product: Credit reporting or other personal consumer reports

I looked upon my credit report and discovered this accounts that need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get several things resolved on my credit report so I did request all three bureaus to look into several accounts. There was an account with XXXX XXXX -XXXX that I questioned because they did not even show the complete payment history. I requested all information and they did not provide they only only reported a charge off date. Indicating it was not researched.
Product: Debt collection

ALLIANCEONE RECEIVABLESis a creditor that 's on my credit for the amount of {$800.00} by the Court of XXXX XXXX. This amount was added to my account after I had already completed doing the payments on XX/XX/2015. I have reached to ALLIANCEONE RECEIVABLES and the XXXX XXXX Court house and both have communicated that the {$800.00} should have never been put into my credit and its an error. According to both ALLIANCEONE RECEIVABLES and the XXXX XXXX court house they do n't have the power to remove anything from the credit reports. They have filed and updated the credit Bureau since it was placed on my credit but it still has n't been removed. Please contact me to remove and fix this error. Thank you
Product: Mortgage

We have been working on selling our house. It was under contract and the transaction was set to close on XX/XX/XXXX. 

In anticipation of closing, the buyers acquired the necessary insurance policies, including a homeowners policy with XXXX XXXX XXXX. Our lender, Navy Federal Credit Union, disbursed a payment of {$620.00} for this insurance policy on XX/XX/XXXX from our escrow account without our authorization. 

On the morning of XX/XX/XXXX, we were notified that the buyers could not qualify for financing and the transaction would be terminated. We were unable to salvage the transaction and we no longer have a contract with those buyers. 

On XX/XX/XXXX, I noticed the disbursement from the escrow account and immediately called Navy Federal Credit Union to request that they correct the mistake. They took my information and told me they would open an investigation and someone would be in touch with me within XXXX days. 

By XX/XX/XXXX, I had not received any communication from Navy Federal Credit Union about the matter, and the funds had not been returned to the escrow account. I called to request a status update and was informed that the investigation had been closed out, but there was no information as to what the result of the investigation was nor if any action had been taken. I repeated the entire string of events to the customer service agent, and they opened a new case to investigate. I was told again that someone would be in touch with me within XXXX days. 

Between XX/XX/XXXX and XX/XX/XXXX, I still did not receive any communication on the matter despite calling XXXX additional times. Each time I have called, I was told the same thing : the person working on my case is " unavailable '' and they will call me back later. I have been promised multiple times that I will receive a callback. I have been told that the case has been " escalated to the highest possible level '' and that " an urgent request has been made to return the funds ''. There's been a lot of talk, but no perceivable action. 

The funds should not have been removed from our escrow account in the first place. We did not provide any authorization to have those funds disbursed. Based on how Navy Federal Credit Union has handled this matter, it feels like they have no interest in correcting their mistake.
Product: Credit reporting or other personal consumer reports

I was receiving emails not addressed to myself, but addressed to a XXXX XXXX XXXX from Experian thanks for creating an account, your card has declined, updates to your account, updates to your personal info, account has been reported to collections, etc. I thought they were phishing emails so I ignored them, but I flagged them. When I realized I had received a whopping 32 emails for XXXX in a 4 month period, I attempted to create an account with Experian but it said my email was already in use. That confirms it wasnt phishing and that someone used my email. I called Experian. It took an obscene amount of tries and options to speak with a human there. Finally, I spoke with a XXXX who said a XXXX XXXX XXXX was using my email for his account, but supposedly was using nothing else of mine. XXXX couldnt tell me how this happened. He said hed open a case to have my email removed from XXXX account. Im now awaiting further updates and instructions. 
What troubles me most is that this person was able to use my email for this account and it wasnt verified!!! Normally you receive an email from said company containing a link to finish creating your account so they know it is your email. So how did Experian confirm this email??? Something isnt right here at all. Everything needs verified especially with a company such as this! 
They wouldnt immediately freeze XXXX access to his account or anything. All XXXX could do was escalate the complaint. I want to KNOW that this will not and can not happen again or to anyone else. Emails must be verified. 

I attached screenshots of different emails below.
Product: Credit reporting or other personal consumer reports

this debt has been canceled and forgiven by XXXX with a XXXX the taxes has been paid the XXXX taxes making this debt paid off canceled and forgiven lvnv funding is reporting a debt that has been canceled and forgiven with the taxes paid under IRS rules the debt has been cleared there is not debt this is false reporting of a forgiven debt
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of my identification, which is a felony. 

punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XXXX XXXX XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined.

under

15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result. Below are the Inquiries to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I'm complaining against my loan servicer Mr. Cooper. I have a conventional loan, the owner is XXXX XXXX and the note holder is Nationstar Mortgage LLC. I have been on a forbearance for the last 8 months and asked for a loan modification. The loan modification provided, which I rejected, did not modify my high interest rate instead they extended my loan to a 40 year from a 30 year reducing my payment only {$200.00} per month. According to the FHFA as of XX/XX/2021 press release " Expands Use of Interest Rate Reduction to Help Borrowers with a COVID-19 Hardship Reduce Their Monthly Mortgage Payment '', Mr. Cooper did not follow the guidelines.
Product: Debt collection

Received voicemail regarding being served. I called to see what is going on. I was told I was being served for a debt with providian bank. I told them I was unaware of debt and needed more information. They had my birthdate and social security number correct. I told them to send me an email regarding payment plan and more information about the debt. I received a email from them and googled the company. Could not locate them on google.
Product: Vehicle loan or lease

My identity was stolen. when I pulled my credit report I discovered that there was a repossession on there when I reached out to the company and advised my identity was stolen so I requested proof they refused to provide me with documentation
Product: Credit reporting or other personal consumer reports

The companies involved are XXXX, TransUnion, and XXXX. I provided my California State ID, a utility bill with the correct address, and my rental history to confirm that I have never lived in Texas. Despite this, the issue was never resolved, and the Texas address remains on my credit report. 

To verify my identity, they are using an address that does not belong to me and where I have never lived. I am formally requesting that the Texas address be removed from my records by all three credit bureaus. 
I did report this to the authorities and filed a fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$220.00} XXXX  XXXX {$870.00} XXXX XXXX   XXXX {$970.00} XXXX XXXX   XXXX {$530.00} XXXX XXXX   XXXX {$820.00} XXXX/XXXX   XXXX {$530.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX   XXXX {$940.00} XXXX  XXXX XXXX {$430.00} XXXX/XXXX   XXXX {$820.00} XXXX/XXXX   XXXX {$530.00} XXXX   XXXX {$970.00} XXXX   XXXX {$820.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMIISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Mortgage

Ocwen Mortgage Service recently transferred our loan to PHH Mortgage CompanyXX/XX/XXXX, I was on a biweekly pay option paying every 2 weeks for my mortgage. 
I am a paying customer and have never been behind with my mortgage. 

When our loan was transferred to PHH mortgage, there was one payment left in suspense because PHH mortgage did not correctly process the Bi-weekly transfer option. 

I contacted PHH to on XX/XX/19 to see if I could maintain the bi-weekly option, I paid the XXXX payment of {$1200.00} on XX/XX/19 ( XXXX payment ) and they advised me that I needed to pay an additional {$620.00} ( Paid XX/XX/19 ) to cover the mortgage for XXXX and the suspense payment ( {$620.00} ) -pending from Ocwen because it was bi-weekly ... .would bring the account current for XXXX. I submitted XXXX XXXX info and 5 days later i contacted PHH mortgage to confirm if they received ... .They advised me they did receive and the payment of the XXXX XXXX-suspense payment and the payment of {$620.00} processed on XX/XX/19 was applied to principle in error and they will submit it to be corrected. I then call on XX/XX/19 -- -waited online and was transferred call was disconnected. Called back spoke with someone and they transferred me to supervisor line on hold 15 mins-call disconnected. Called at XXXX and spoke with a person who transferred again to a Lady that was yawning on the phone when I started explaining issue! ARE YOU KIDDING ME!!!!! I recorded all calls from XX/XX/19 ... .A relationship manager is suppose to call me within 48 hours ... .The CFPB will be contacted if this is not resolved. To add insult to injury PHH also drafted the full payment of {$1200.00} on XX/XX/19 -- -which I was told this was gon na be the XXXX payment of {$620.00} towards XXXX payment- ( So you drafted XXXX payment in XXXX and applied XXXX payment to the principle ) THE WORST EXPERIENCE EVER after speaking with person on XX/XX/19 at XXXX she advised me there is no bi-weekly option its just allows you to draft full amount on a day of your choice thru the XXXX ... ..SMH but I was told XXXX XX/XX/19 I was setup for the bi-weekly option which she said was XXXX option and I was all set!!!! THE WORST EXPERIENCE EVER!!! If I do not receive a call I will be seeking LEGAL ACTION! anyone else having issues please contact Consumer Financial Protection Bureau ( CFPB ).

www.consumerfinance.gov/complaint/ FYI ... ..The company does not answer phone calls without waiting over 30 minutes- ( There is a loud Static noise while holding on the line, probably there to make you hang up ... I did advised them when I called about this.. 
The customer service reps are not knowledgeable about the services or anything when it comes to your mortgage account .... 

I will be refinancing with another lender asap to avoid doing business with them for much longer.
Product: Credit reporting or other personal consumer reports

I have never heard of consumer adjustment company, XXXX XXXX XXXX, this showed up on my credit report in XX/XX/2023. I spoke with the company & explained that this debt does not belong to me. I have a copy of my credit report where this item is on there.
Product: Credit card

I started noticing charges for experian credit in XXXX of 2023. In the amount of {$27.00} for general services on my XXXX  card. I get this service for free through my credit card. So i called XXXX  and canceled my card and was sent a new one. I was reassured that this was the end of it and whatever i was being charged for would be canceled. I was in a XXXX XXXX XXXX earlier this year and have been really sick XXXX XXXX XXXX XXXX XXXX XXXX. Counting pennies because i can barely work.my new card was hit again in XX/XX/2023 for the same amount to experian. I noticed this when my phone bill was declined because there wasn't enough money to pay at the time I was XXXX XXXX XXXX again so when I got out I contacted Experian directly I was given a phone number to call back I talked to the man for 2 days he guaranteed me I would get a refund on both charges he then had me file or download an app on my phone called quick support and give him a number that was in the file he remotely took {$250.00} draws off of my time card explaining to me that he was doing this so that he could replace it in an hour and up my spot me overdraft protection fee that I would get my money back that I would get my the Experian charges back and that the service that I never applied for would be canceled for sure well they hit my account again on XX/XX/XXXX of 2023 for another {$27.00} for a service that I never applied for and I've never gotten any money back
Product: Credit card

On XX/XX/year>, XX/XX/year>, XXXX We sent registered mail to JPMCB CARD as a federally protected consumer to exercise the right to opt out at any time. We are filing this CFPB complaint Per the FCRA as a federally protected consumer i am now Opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7 ( f ).