23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi.I made a clothing purchase with XXXX XXXX, who then offered a line of credit through XXXX XXXX. Three days after receiving the clothes, I returned to XXXX XXXX for a full refund. XXXX XXXX denied receiving the return. Finally, after a few months and many phone calls and documentation, they agreed it was returned and promised to take the charge off my account, from day one, through XXXX. They also told me to call XXXX to give them an update and to waive late payments/finance charges and said they 'd do the same. I did just that and XXXX rep said it would take 3 days, but they would note it and wipe out the balance on my account. 

This did n't happen and I continually get hounded by XXXX for late fees and finance charge on an account that had a balance for 3 days. I 've talked until I 'm blue in the face and have provided documentation, but they will only erase one month of late fees. Keep in mind this is all over a {$120.00} original purchase and I 'm now in over in {$60.00} in fees from the bank. The supervisors I talked to today ( XX/XX/2017 ) at XXXX are employee number XXXX and her supervisor # XXXX. They are adamant that I owe them late fees plus finance charges.
Product: Credit card or prepaid card

We had a credit card open for XXXX year with Barclays Bank it was the arrival plus XXXX. They shut my account down due to undisclosed reasons and I can not redeem my reward points with I had earned I had XXXX points.
Product: Debt collection

There were many incorrect information on the account, I filed a dispute with the company but they didn't stop collection action after my dispute. Its not allowed be any false information on the report, even it's {$0.00}. They ignored my dispute and file collection to my credit report qith false information its against the fair credit law.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC, Aldous 29367 NCA 1127, has violated my rights.

15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

1- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 2- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 3- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} XXXX XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paper work Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX Difference of {$19.00} 6- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 7- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00}. 
8- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}. On this date my interest rate is 3.875 % payoff amount per Ocwen is {$170000.00}. Ocwen took over my loan at the amount of {$20000.00} at the same interest rate. Should n't the monthly payment be dropping since 3.875 % of {$170000.00} is less than 3.875 % of {$200000.00}? But Ocwen has been raising my escrow payment it seems to make the difference. 
9- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$58.00} 10- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00} 11- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}. 
This is a difference of {$350.00} That should of been applied to the principal of the loan.
Product: Mortgage

XXXX XXXX XXXX XXXX attempted to foreclose om my property when my first mortgage is current, i dispute owing XXXX XXXX XXXX XXXX any amount and the assignment that they are using to foreclose, i feel is fraudulent and clearly robo signed. XXXX XXXX XXXX XXXX has yet to respond to my notice or qualified written request.
Product: Credit card

On my XXXX statement ( dated XX/XX/XXXX ), I had XXXX types of balances : XXXX. PURCHASES {$1300.00} ( PROMOTIONAL RATE EXPIRES XX/XX/XXXX ) XXXX. BALANCE TRANSFER {$250.00} ( PROMOTIONAL RATE EXPIRES XX/XX/XXXX ) XXXX. PROMOTIONAL BALANCE {$20000.00} ( PROMOTIONAL RATE EXPIRES XX/XX/XXXX ) I took this to mean that if I paid {$1600.00}, it would clear the oldest balances ( the purchases and balance transfer fee ). And so, I paid {$1600.00} on XX/XX/XXXX ( due date ) but when I received my XXXX statement, I saw I was charged {$33.00} in interests. My payment was inexplicably divided into the XXXX different types of balances rather than going towards the oldest ones first which I believe led to the interest getting charged. I called on XX/XX/XXXX to get to the bottom of this and they tried to explain their payment structure but again it made no sense. I requested how much I needed to pay to wipe the earliest balance and they gave me the formula to calculate my payment for next month. However, this occurred again in the XXXX statement ( dated XX/XX/XXXX ) when the oldest balance was still wiped despite using their formula. I believe Wells Fargo is using deceptive payment practices in order to extract revenue from interests fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Bank wire deposit on XXXX-XXXX-17 and the money was never a credited to my account on coinbase I 've numerously emailed support and they 've never responded except for automated emails and it 's been over a month call the bank in XXXX XXXX XXXX a week after the bank wire deposit and they confirm that the money was deposited in New York but yet coinbase will not credit my account as far as I 'm concerned it 's wire fraud the amount of the bank wire deposit is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Shows Me owing a Balance on XXXX and XXXX this is incorrect
Product: Credit reporting or other personal consumer reports

These Accounts And Inquiries are incorrect, since i do not recognize them, please investigate them and delete them 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

XXXX XXXX/XXXX  XXXX  listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX and XXXX. Please remove the 30/60 day late payments from my credit reports.
Product: Debt collection

The original collector was XXXX XXXX. The debt collection company name is RentDebt Automated COL. In XX/XX/2021, I paid the full balance. This account is closed and paid off. This is effecting my credit report and also effecting my ability to get business funding. This information reporting to my credit report is incorrect and not accurate.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX, XXXX, Equifax is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX, Equifax the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Equifax whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX, Equifax Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting

My name is XXXX XXXX. Your collection agency is reporting an alleged account that does not belong to me. I am demanding account-level documentation to verify this alleged account as mandated by a recent XXXX opinion.
Product: Mortgage

The person responsible for the mortgage payment passed away in XXXX of 2022. There are three individuals on the deed. The house is in foreclosure and the sale has been rescheduled because my husband and I are under contract to sale the property. I've been going back and fourth with the banks attorney 's to see if there client will negotiate with the final asking price because it has a ton of late charges and other items which we are not responsible for. The main issue now, is the fact the bank is trying to force us into signing a hardship application in order to negotiate any type of lower payment. In the state of Florida it is considered illegal for a bank to force someone not on the note to sign a hardship application because it violates principle of " co-signer liability '' which means that only individuals who have legally agreed to be responsible for the debt can be compelled to take action regarding loan modifications of repayment plans. If someone is listed on the mortgage but not the note, they have no legal obligation to the bank and can not be forced to participate in loan restructuring processes, including signing a hardship application. Requiring a non-borrower to sign a hardship application could be seen as a form of coercion, pressuring them to take actions that could potentially harm their credit score. I informed them of this but they are ignoring the facts. I've kept all emails in regards to this matter.
Product: Debt collection

I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. 

15 U.S Code & 1692c prohibits debt collectors from communicating with third parties in connection with debt collection.

Law States : If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.
Product: Student loan

I have been in contact with Sallie Mae since my graduation in XXXX of XXXX in order to get my repayment plans figured out. I started calling about options in XXXX of XXXX knowing that I would be required to start paying them back soon. I asked what my options were for repayment, I was given the option of a graduated repayment plan or forbearance. In XXXX of XXXX, I tried to call again to see if there were options for an income based plan like my federal loans. Again I was informed that I only had two options. In XXXX, before payments were due, I asked again about options. I was told my options were to pay the loan at the graduated rate for a year of {$360.00} for one loan and {$84.00} for another loan, or put it into forbearance. I asked if I could consolidate the loan, I was told no. I asked again for a repayment plan, I was told no. I decided to accept the graduated repayment plan for one loan and put the other in forbearance. XX/XX/XXXX I call again to explain how I financially can not afford to give the company more than {$360.00} a month in repayments. I was told that the only way I can talk to the hardships department is to have my loan go into a pay due balance. I said I did not want to do this as I dont want to purposefully miss a payment and have it affect my accounts and credit score. I was told that there was no other way to speak to the hardship department, and that I could either pay them the graduated repayment plan, go into forbearance again, or not pay and go past due my balance in order to get in touch with the hardship department. There has been no one to help me try to work out a repayment plan in order to get ahead of my loans.
Product: Checking or savings account

I opened a checking account in Truist Bank on last XX/XX/XXXX. The same day I deposited a check in the amount of {$3000.00} from my account in XXXXXXXX XXXX. On XX/XX/XXXX, I deposited a check of {$130.00}. Both checks were kept unavailable for XXXX  days. They never told me that that was their policy. The check from XXXXXXXX XXXX was debited from the account same day ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with CREDENCE RESOURCE MANAGE I do not have a contract with CREDENCE RESOURCE MANAGE they did not provide me with the original contract as i requested
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX has violated my rights.XXXX  XXXX  Account # XXXXXX**************, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, 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: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX  ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit card or prepaid card

On the morning of XX/XX/XXXX I contacted XXXX/XXXX ( my and their phone records would support this ) to determine if requesting a credit limit increase would be a soft or hard inquiry in their process. I was advised that it was a soft inquiry which would not impact my credit score. I then went through with the process ( online ) with my Best Buy and Home Depot credit card accounts since they are both managed by Citibank.
I was granted the increase, but it was indeed a hard inquiry which resulted in a negative effect on my credit score. The purpose of requesting the increase was to reduce my credit utilization, whereby improving my credit score. In actuality, due to the inquiries it resulted in a 4 point reduction. I contacted the credit agencies and told them what had transpired. They advised me to contact Citibank and have them complete & submit an Inquiry Deletion Form to them. Citibank declined my request stating that they could not do so since they did increase my credit limit. Although, at one point a customer service representative advised me that the XXXX/XXXX XXXX inquiry would be deleted. I received follow-up communication that it would not. I am writing here to receive assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and there were fraudulent accounts listed. My personal information was compromised in the XXXX data breach. I also am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed you a letter asking you to verify information on my Consumer Report in which I have added proof that whatever method you used to allegedly verify this item was invalid. 
I mailed you a letter on XX/XX/2021 which was my 2nd Letter about the Bankruptcy. This is my 3rd Letter for this issue. The XX/XX/2021 was about the your process was not valid due to me going directly to the company and them saying they dont and was not able to verify the item. After that, your response was it was verified without sending me any documentation or proof of how you verified and any actual investigation. I attached the bankruptcy letter from the Courts.
Product: Money transfer, virtual currency, or money service

Back in XXXX someone called and got my previous months rent reversed. I was not notified until 28 days later putting my rent 60 days past due. I have since been evicted. The money was then transferred to XXXX XXXX and they stole it. I spent numerous hours on the phone with them and they closed my account after banking with them for 7 years. All this caused me to get evicted and lose everything on top of that they left me in the hole XXXX. Since then XXXX XXXX has notified me of a class action settlement because my account was tampered with. I deserve all my money back and all fees reversed. I am a federal crime victim with limited income. WF is absolutely the worst bank and they could careless about their customers future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous credit card denials on my credit report in which credit karma stated that I had good approval odds.