23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midwest Service Bureau has only contacted me via text messages which look like spam messages containing a suspicious link. After a few months of this, I texted back who is this? and received another link the following day stating it was a link to my statement I had requested. Against my better judgement i clicked it and found this companys site. I verified it was for a medical bill back in May of 2024 which should have gone through my insurance but had not. In the past this same provider has done this so I was not shocked. On the FAQ part of MSBs site it says to contact them if you feel insurance should have covered. I called them, verified my information and was told that the 45 days to dispute has passed so my only resolution is to pay them in full and be reimbursed by the provider. I explained I had not received any written communication from them and the texts were shady looking at best so we needed to run my insurance. He told me no I needed to pay. I told him I would not pay them a XXXX  as my insurance will cover this so he told me he was marking it as refusing to pay and then hung up on me.
Product: Mortgage

XX/XX/2023 my home was appraised for XXXX with recent upgrades to my home. However, at that time the comps for the same home with no upgrades are coming back at XXXX or more and the reason for my appraisal was because I recently made upgrades to my home and I believe my home after reviewing the comps in my neighborhood and with my recent upgrades that I was appraised unfairly and I feel as though I was discriminated upon. 

Below I have attached what my home is currently be estimated as on XXXX and XXXX and shared my neighbors home that is exactly the same with no upgrades.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed and your account. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove udisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I started a loan Mod. With OCWEN & they stated after 4 time 's sending them all the info they requested they are saying they never received it but when I call they say they received it but the info from XXXX XXXX XXXX was the wrong paper work needed & so I went & got the new info right from my bank & SSD & SSI & again they say they did not receive it & then I get a letter from them saying it was not the correct info that they needed & now last month they are to take the payment out of my bank automatically on the 15th of every month {$890.00} but last month XXXX/XXXX/XXXX they did not take it out & I called them & said a late payment was applied & after arguing with them for over a hour with a person that could not speak or understand English what so ever said I would have to file a dispute & I said no this is OCWENS fault & he said they will foreclose on me for not making payments on time & I said they were the one 's that did not take my payment & finally he said it was there fault & he would fix it but not this month XXXX/XXXX/XXXX it is now XXXX/XXXX/XXXX & they still have not taken payment out again & I am so afraid that they are going to try to foreclose on me like they have done with a LOT of others. I have never missed or been late on payments until after I started this loan mod that I wanted a refinance of my loan with them since I have great credit but I think OCWEN is trying to make my credit bad with not taking my payment on the date due & trying to charge me late payments that was late because of them. Also over the years I have paid more on insurance & Taxes that was needed & when I asked were the extra $ went, I got hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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's also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I am writing to file a complaint against JP Morgan Chase & Co. On XX/XX/XXXX I purchased two round trip plane tickets from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX on XXXX XXXX through the Chase Ultimate Rewards Travel Center XXXX On XX/XX/XXXX I called the Chase Travel Help Desk to confirm that there were no issues with our flight reservation. A customer service representative ( CSR ) reviewed my reservation while I was on the phone and assured me that there were no issues with my flight, and that my reservation was confirmed. That evening ( XX/XX/XXXX ) we arrived at the airport to find that the flight ( operated by XXXX ) did not exist. There were no XXXX flights scheduled to fly out of XXXX that night. 
On XX/XX/XXXX I spent over XXXX hours on the phone with the Chase Travel Help Desk and XXXX customer service trying to figure out what had happened and how to proceed. The XXXX CSR let me know that XXXX no longer offered the XXXX  XXXX  XXXX had booked, and that they had alerted Chase of this schedule change in XXXX of XXXX. I was never notified about any changes to my flight reservation, nor was I issued a refund. 
The Chase CSR ( XXXX XXXX ) assured me that the only way to resolve this issue was for me to give authorization to cancel the XXXX trip reservation, then purchase XXXX new tickets through the Chase Ultimate Rewards travel portal. The new tickets were XXXX XXXXXXXX and cost {$1800.00}, more than twice what I originally paid for the flight since I had to purchase them only XXXX day in advance. He assured me that I would be refunded my original ticket price ( {$590.00} ), plus the difference between what I paid for the original flight and the new flight ( {$640.00} ) within 8 weeks. I have a personal recording of this phone call. 
On XX/XX/XXXX I was refunded $ XXXX the price of the original tickets. I have called multiple times over the last few months for updates, but most recently on XX/XX/XXXX I called XXXXhase Travel. They let me know that my ticket was pending review by the accounting department, and that he could not give me a time estimate for when I would hear from them. 
It has now been more than six months, and I have still not received the refund of {$640.00} which I was promised. Additionally, I suspect that throughout this process I have been given fake email addresses and names, intentionally hung up on, not called back, and forced to hold for long periods. These tactics make it time consuming, confusing and hard to follow up with customer service issues. Chases customer service is unethical, predatory and represents bad business practices that should be investigated further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX Balance : {$35000.00}
Product: Credit card or prepaid card

I have been trying to activate my card, but it always says my social security number or date of birth is wrong. But I've tried it multiple times, to make sure I didn't get it incorrect, I would like to fix this problem as soon as possible, because I haven't been able to access my funds.
Product: Consumer Loan

I purchased equipment from retailer HH Gregg on XXXX XXXX, XXXX total value {$4000.00}. I paid {$2000.00} cash and the balance of {$2000.00} was financed through Synchrony at 0 % interest. Representations made to us at the time in store were that Synchrony would establish a payment plan at a level such that the entire balance was paid down to {$0.00} before the promotional period expired - thus no interest would ever be charged. We appear to have been deceived as a deferred interest charge of {$1100.00} was applied to our account on XXXX XXXX, XXXX. This only came to light recently as we have not received any hard-copy correspondence, email or calls from Synchrony in over 2 years and so when I noticed an ongoing payment to Synchrony from our bank account we undertook an investigation. 
In my letter of XXXX XXXX, XXXX to Synchrony I enclosed a check for the balance of {$870.00} which was outstanding immediately prior to their application of deferred interest clearly annotated " FULL SETTLEMENT ''. Synchrony deposited this check. 

Please would you kindly investigate. 
Thank you. 
XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 1681c. ( a ) ( 5 ) Section States : 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.

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: Debt collection

Qn XX/XX/XXXX I received a notification that my credit score dropped XXXX points due to a collection posted by Columbia. I had never heard of them or from them but found out it was from a debt I disputed multiple times since XX/XX/XXXX. I first received a notification of amount owed from my son 's apartment that he moved out of XX/XX/XXXX. I called the complex and was told to submit dispute in writing, which I did on XX/XX/XXXX ( the same day I received the notification ) and submitted pictures showing no damage/not cleaned. I never heard again from them. About a year later I got a collection notice from XXXX ( XX/XX/XXXX ) for same amount. I called to dispute on the same day and to send pictures to which I was told my pictures would not be honored since they were on my cell phone. I then contacted my attorney XXXX XXXX who sent a dispute letter to XXXX stating he had reviewed the charges and my pictures and found the charges erroneous & that a stop be placed on this collection and it is not to be reported to any credit reporting bureau as the charge is not a valid debt. I never heard again from them. Over a year later - XX/XX/XXXX I found the report from XXXX whom I have NEVER heard from ( nor has my son XXXX ) when I had a drastic drop in my credit score as it was reported on both of our credit reports. I disputed with all 3 credit bureaus that it was wrongfully reported only for XXXX to state the debt was accurate on a debt that was not valid, disputed multiple times yet still sold and was proven to be inaccurate through pictures and reviewed by my attorney.. How can they have purchased this invalid debt, never contact me or my son and then report it on our credit reports and refuse to correct it?
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent {$1600.00} via XXXX to a contactor for the work to be completed. Under the email that he provided, XXXX registered account appeared to be under the business entity name. The contractor never provided any services ( and product that would accompany the service ) and refuses to take phone calls/texts. In the contact that was able to be made, the contractor promised they would return the funds, due to the out of stock items, but have since refused to do so and disappeared. 

I contacted Bank of America at the beginning of XXXX to report the issue, however no money was returned as the investigation concluded that the transaction was " authorized '' and that under the XXXX terms and conditions there is nothing that could be done. 

This action makes sense for XXXX payments, however if XXXX is available to be utilized for business entities ; for businesses to receive payments, deposits etc. there should be consumer protection against fraudsters like the one described above. Alternatively, XXXX should prohibit the use of XXXX payments for businesses/contractors etc. if there are no protections from instances where the other party does not deliver on the promised contract. At this time there is no trust in the XXXX system for business related payments.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I needed some cash to pay some bills was down to no money to make it so searched to see what help I could get, saw this loan company on-line and telephoned them, the guy I spoke with walked me through the process and said he could run it to see how much I could get approved for, he came back on the line quick and said I was approved for the {$750.00} the highest limit they have and that my payment would be around {$110.00} per month, I had to electronically sign documents in which I was not aware that I was signing something with a APR of over 600 % until I received an e-mail for my payment for XX/XX/XXXX to come out and it was $ 257+, I almost fell out, how I get from {$110.00} a month to almost {$300.00}. I made one payment of {$110.00} for XX/XX/XXXX but my XX/XX/XXXX bill will be close to {$300.00} outrageous. 

This guy from speedy cash never disclose the APR amount to me over the phone and nor did he tell me I needed to read all of the documents before electronically signing I was under the impression that my payments would be {$110.00} every month because I kept asking him is that what my payment would be per month and he was telling me yes so I went on and sign the documents thinking I am agreeing to the {$110.00} payment per month and that 's all. 

I contacted Speedy Cash on XX/XX/XXXX and spoke with a lady to stop my authorization of payments she was saying that I needed to send an e-mail to them in which I did but I will still need to make payments in another manner and that the payments wo n't always be the same every month sometimes higher sometimes lower, I told her I thought the payment would be {$110.00} every month because the guy who processed my application did n't tell me any different she said I was supposed to read documents and I told her I was on the phone with the guy and he did n't disclose to me that I needed to. 

I think I was falsely informed on the phone in thinking my payment would be {$110.00} a month and now it will be triple and I ca n't afford to pay it and I told the lady that this morning XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust because they should now be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

Violation of Consumer Rights under 15 USC 1692, 15 USC 1692F ( 6B ), 15 USC 6801 ( privacy policy ), and 15 USC 6802. EVERY VIOLATION IS {$1000.00} and at the moment we are 37 violations and counting not including the Statutory Damage Penalty being that this is the second time that Capital One Auto Finance has proceeded with said violations. My ( non public ) Consumer information was provided to a non-affiliated third party who I have never done business with or under any contract with. My vehicle and belongings were taken/ stolen/ whichever one of the terms you choose to use and twice. My property was damaged by the repo men ( have the footage on XXXX HD home security cameras ), 11 times they came and knocked on my door within 5 wks, they would drive past my property every day. I reached out to Capital One Auto Finance ( written ) but never received a response. I did not okay a repo and it was not granted judicially. Laws were put in places for a reason, no one is exempt from being a law abiding citizen. WE HAVE RIGHTS AND MINE WERE VIOLATED BIG TIME. But they chose the wrong battle.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1400.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to contact XXXX XXXX XXXX, Transunion, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example Transunion tells me that XXXX XXXX XXXX has to fix it but then XXXX XXXX XXXX tells me the opposite. It is extremely difficult and frustrating to even try to get someone at XXXX XXXX XXXX to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven ( which they actually did forgive ) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as {$0.00} on my credit report which it does ). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the XXXX XXXX XXXX customer service agent I pulled my credit report. I was happy they kept HALF of their promise ( as was required by law ) and my balance was {$0.00}. But the late payments were still showing ( and are still showing to this date ) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in XXXX XXXX XXXX 's system and that it would be fixed. 

Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting XXXX XXXX XXXXXXXX. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. XXXX XXXX XXXX ( as well as these credit agencies ) are affecting people 's lives and making promises that they do n't keep. I believe that XXXX XXXX should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.