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

On XX/XX/XXXX, I went to a branch of Chase in XXXX to seek application for the Chase Freedom Unlimited Credit Card, with their Cash Back Rewards & Benefits shown on https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited. In addition to the normal cashback, they should offer " {$200.00} bonus plus 5 % grocery store offer - up to {$800.00} total cash back '' detailed on their website. I got approved and I waited for the physical card to arrive. 

Since I had XXXX XXXX, I could immediately use my approved credit card. However, I did purchases at groceries stores like XXXX XXXX and XXXX XXXX 's, but the cashback did not reflect with the 5 % they promised, but only the regular 1.5 % rate. I went to the branch asking for information about this problem, and they said they would be looking on that. 

Next week, I went back to the branch with the received physical card, and they answered that they could not honor the 5 % cashback, because they had system issues and asked me to call customer service line. I went back home and called the customer service, and they said that they could actually see the benefit on my card, but I had to wait for the monthly statement to actually see and receive the 5 % cashback on groceries. 

On XX/XX/XXXX, I received my statement and report on the points I earned, and there was no 5 % cashback on groceries at all. I reached out to customer service again, and they said I didn't have the offer at all, and there was nothing they could do, even though I applied for the credit card during the offer period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan in XX/XX/XXXX with XXXX XXXX XXXX. I have always paid it on time, yet XXXX XXXX XXXX reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to XXXX XXXX XXXX on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, XXXX  XXXX XXXX has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by XXXX  XXXX XXXX.
Product: Consumer Loan

My payment came due on XX/XX/2016, I received 10 phone calls from Conn 's everyday. Then a lady calls my husband cell phone and proceeds to him all of my information, when my payment is due, how much it is and asked if he is still roared to y on the account. His Name is no where on the account. He asked the lady on the phone to speak with her supervisor because he knew that what she had just done was illegal, she tells him that they are all in a meeting and hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even tried to apply for any credit cards and they pulled my credit for no reason. Also apparently they ran my credit at a dealership when I was never even trying to buy a car. 

These are the account names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXXXXXX XXXX XXXXXXXX we sent a security with a declared value of {$19000.00} to Capital One Registered mail # XXXX With no response. That was the last time we received any letters of communication or debt securities/remittance coupon from Capital One. 
In XX/XX/XXXX we tried sending a debt XXXX coupon to who we thought was a Capital One trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a declared value of {$890.00} Registered mail # XXXX with no answer to communication. 
In XXXXXXXX XXXX XXXXXXXX we found a trustee for Capital One XXXX XXXX with XXXX XXXX XXXX XXXX XXXX and sent her a XXXX asking to remit it properly and send back copy sent certified mail return receipt # XXXX with no answer to communication. 
In XXXXXXXX XXXX XXXXXXXX there was a knock at our door with a man and a tow truck claiming to be sent from Capital One to take our vehicle. We refused and he threatened us before he left. 
The next day we sent a Conditional Acceptance for Value for Proof of Claim, For VALIDATION of Alleged Debt to XXXX XXXX XXXX XXXX of Capital One, Certified mail return receipt # XXXX with no response to communication. 
In XXXX we sent a Notice of Fault and Opportunity to XXXX XXXX XXXX XXXX  letter Certified mail return receipt # XXXX with no answer to communication. 
A couple days ago we looked on our ring cam and found that another person came to our door driving a tow truck while we where not home. 

We have tried to remedy the situation by communicating with letters securities/remittance coupons and Promissory notes without responses 31 usc 5118 We checked our credit reports and it says charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  concerning my dispute status update. I spoke with a guy it was very hard to understand him becaue XXXX was not his XXXX language. The guy gave the name of XXXX XXXX and did not want to provide his last name. I honestly don't beieve he gave me he correct name. He stated he didn't have an open diute for me when I submitte the dispute on XX/XX/XXXX. I was advised in the email I would recieved a estated copmpletion date of XXXX, XXXX, XXXX. I advied the man on the phone I hadn't recieved an email concerning my disputes cases. He then said we contacted you by email wa incorrect, I have yet to recieve an update on any diutes filed om XXXX, XXXX, XXXX. I asked him about removing an old address of my file. He stated he needed to ask me some random questions. He asked XXXX questions and XXXX oh which he aske me about someone name XXXX XXXX, I advised him I don't know an XXXX XXXX. I don't have any children and that is not the name of my father nor my brother. The man on the phone XXXX stated I fell and he couldn't assist me further. I am a victim of ID Theft and I have filed a ftc report concerning the fraud Id theft I've experinced. I want something in writting providing my ownership of said accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX XXXX, {$5000.00}, XXXX XXXX, {$3400.00} and XXXX XXXX XXXX, {$500.00}. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX  XXXX XXXX XXXX, XX/XX/2019. I never missed an on-time payment with XXXX XXXX XXXX. The missed payment with XXXX XXXX XXXX  is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a paid off balance with a merchant since XX/XX/2021. I submitted a dispute on this merchant account 3 times, included supporting documentation, yet Experian still lists it with a balance of {$1100.00} and states on the dispute, " no change ''. Today XX/XX/2021, I got an email that my dispute results are ready and now it's showing my account for the merchant still has the {$1100.00} balance and is " Closed ''. It is NOT closed, it's only paid in full but still open. This is extremely frustrating trying to correct incorrect information about ME on my report when it's clearly incorrect. The stress from trying to prove I paid this account off in full is extremely stressful. I just want this fixed and corrected.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX  XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

After losing my job in XXXX, I got behind on my $ XXXX/month mortgage payment. By XXXX, XXXX, I was three months delinquent. Around XXXX, XXXX, I commenced a temporary workout package with XXXX. For the next seven months I paid {$1.00} per month. On XXXX XXXX, XXXX, I called XXXX in response to a written notice and was informed on the phone that if I made payments on time for the upcoming three months ( the payments were about 90 % of a full month 's payment ), I would be eligible for a refinance and possibly having XXXX funds cover the arrears. During that XXXX/XXXX/XXXX phone call I made an electronic payment of {$2300.00} as the payment for the month of XXXX, XXXX, i. e., the first of the three trial months payments. About that time, Green Tree Servicing LLC became the loan servicer in place of XXXX, but I was unaware of it. On or about XXXX/XXXX/XXXX, at XXXX I called XXXX at XXXX XXXX XXXX XXXX to make the XXXX of the XXXX 90 % monthly payments. I was told by their representative that he could not talk to me about the loan because Green Tree had taken it over. The call lasted XXXX minutes. On XXXX/XXXX/XXXX, at XXXX p.m., I called Green Tree to make my XXXX of the XXXX monthly payments. I spoke with XXXX XXXX, and told her I wanted to pay the {$2300.00} over the phone. She said I could not and instead demanded aggressively that I pay the full arrears of about {$31000.00}. She would not let me explain that I had an agreement with XXXX. Finally she started asking me about my financial situation and my income. I asked her why and she said she had to fill out an application for me before she would know if I qualified for the same workout package that XXXX had given me. After taking my information, she said it looked as if I might have a chance to qualify for starting a new trial period that would last for XXXX 4 months. Then she said she would mail me the workout application package for me to complete. She told me I needed to get it back to them in about 3 weeks, and gave me a fax number to submit it to. She said it would be best to get it in by XXXX/XXXX/XXXX. This call lasted XXXX minutes. I did not submit the form. According to Green Tree 's monthly statements, the arrears are up to {$46000.00} as XXXX XXXX, XXXX. I have been setting aside the monthly payments in my bank account since Green Tree refused my XXXX/XXXX/XXXX payment. On XXXX XXXX, XXXX, I received a call from a Green Tree representative in XXXX, AZ. She asked if I had received the certified mail they had recently sent. I had not, I told her, so she explained that I had 30 days from the date on the letter, which she claimed was XXXX/XXXX/XXXX, to correct to the default by paying {$41000.00} within 30 days of the date of the letter. Or I had the opportunity to cure the default by making a workout agreement. If I did not cure the default within the 30 days, they might begin foreclosure thereafter.
Product: Credit reporting or other personal consumer reports

This debt has been paid and a 1099-c was issued to me as income. this account should be removed from my credit bureaus for the amount of {$31000.00} is still showing up on my credit report and should be removed per the fair credit reporting act. Since the 1099-c was issued there should be no dollar amounts or income amounts showing in my reports on XXXX, XXXX or Transunion.
Product: Mortgage

My Loan Care - new servicer of mortgage.
Does not respond to emails, all phone lines have been disconnected or are always busy. Unable to log-in into my account online ( which previously worked ) in order to ensure my payments are being properly processed.
Product: Payday loan, title loan, or personal loan

Took a Payday loan with XXXX XXXX for {$600.00}, they let the interest acrue to {$1200.00} before sending it to Kahrs Law Office in XXXX Kansas to pursue a judgement against me. I paid the judgement amount in full 2 years ago and was told by Kahrs the balance was {$0.00}, but now Kahrs Law is stating the balance was not paid in full and they continued to let another {$500.00} in interest acrue before garnishing my wages with no notice. They are a predatory law practice serving a predatory type of lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked that the credit reporting bearu verify the errors reported on my credit report and send me the results with all original documents supporting their findings per section 609 of the FCRA, I havent received any documentation and still theyre reporting numerous thats causing hardship in obtaining housing, credit, and employment.
Product: Debt collection

XXXX XXXX is a debt collection company that alleges that I owe them a total of {$1600.00}. On at least two occasions that I can verify : XX/XX/XXXX and XX/XX/XXXX I requested that the company verify the debt in compliance with section 609 of the Fair Credit Reporting Act. The company refused to do so and sent back a letter stating that they did not understand my letter. On XX/XX/XXXX I received a letter threatening legal action on the two accounts even though they refuse to verify the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom mortgage reported that our Mortgage was late for XXXX months XXXX and XXXX of XXXX, and that there was not a final payment at the end of escrow. 

We filed a dispute with them saying everything was current including all our payments to them. 
THey investigated it and found out that we were correct and that they were going to correct this and report it to the credit agencies. 
THis never happened. 
THe other was that we had missed a payment in XXXX of XXXX We sold the house in XXXX and we asked them if we had to make the XXXX payment and they said no, that it was covered in the escrow that was going through and not to worry. 
THey investigated this as well and found the recording of the representative who told this to us and cleared this up as well. The only problem is this was cleared up in XXXX and still has not been corrected. 
I called them yesterday and the representative on the phone said she saw the evidence that we need and said she would send a letter via email supporting this. As soon as i receive this i will submit this to the case. 
Please help us we are trying to buy a house and this is stopping our progress. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On credit reports I never worked for XXXX XXXX I never worked for XXXX XXXX My name is NOT XXXX XXXX XXXX My name is NOT XXXX XXXX XXXX I NEVER had the addresses XXXX XXXX XXXX XXXX XXXX WA XXXX I NEVER had the addresses XXXX XXXX XXXX XXXX  XXXX XXXX WA XXXX I do not have any account with XXXX XXXX  Open I NEVER HAD any account with XXXX XXXX. EVER IN MY LIFE
Product: Credit reporting or other personal consumer reports

I have sent disputes to XXXX, XXXX, and Transunion for the last 5 months. I have not recieved any response. I have attached a XXXX bureau table showing all of the errors in my accounts. Please investigate, update, or delete the following accounts. Thank you.
Product: Mortgage

I submitted a mortgage refinance application to Navy Federal Credit Union ( NFCU ) in XX/XX/2020. As of XX/XX/2020, I still have no timeline for when closing might happen. 

The current mortgage is with NFCU and I have had five or more mortgages with NFCU over the years. I have never missed a mortgage payment ( 100 % on time payment history ). My credit rating is excellent and my assets are multiples of the refinance loan amount. My income is more than sufficient with a low debt-to-income ratio and a very low loan to value ( <30 % ) ratio. 

The process has been lengthy. The loan processor has been unresponsive at times and takes up to a week or longer to reply to requests for status on the application. 
The loan processor has also been unprofessional and acts as though he is the customer. There have been multiple requests for the same documentation because of disorganization on the part of the processor. 

The latest Loan Estimate incorrectly includes charges for items that were not required ( {$490.00} appraisal when the appraisal was waived ). The loan estimate also includes charges for items that I paid for already directly ( {$120.00} condominium questionnaire that I obtained and paid for directly ). It also includes an inflated loan payoff that does not reflect principal payments made during the application period. All of these items were brought to NFCU 's attention the last time I was asked to sign a loan estimate and have not been corrected. 

I understand that volume is very high, but this is ridiculous.
Product: Payday loan, title loan, or personal loan

In XXXX, I was a victim of Hurricane Ida, and I received a one-time deferral that was put until the end of my loan contract, due the the natural disaster. All of my other payments have been made on-time, and in full. However, this company illegally added extra interest to my loan, as part of the one-time deferment. The balance is incorrect, and being have been illegitimately charged interest. My maturity date is XXXX. XXXX. With the deferment, it changed to XX/XX/XXXX. However, this company illegally added interest without written notification, and is now trying to extend the debt even further. I was NEVER legally notified ever, in writing that there would be added interest due to my deferment due to XXXXurricane Ida. The company also NEVER notified ANY of the credit bureaus that I was effected by Hurricane Ida, like most other creditors did during that time. This added interest needs to be taken off immediately, due to the the aforementioned facts of nothing being sent to me in writing, as well as nothing being notated to the credit bureaus of me being effected by Hurricane Ida. Legally, they can not charge added interest without proper written notification at the time of the deferment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regards Zelles handling of disputes, particularly in light of the recent CFPB 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. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Amsher collection services collecting for : XXXX XXXX/XXXX-charging and now collecting for wrongful fees & charges. 
I called customer service inquiring about service. 
The Representative took it upon herself to mailed out equipment to my address. 
I NEVER CONNECTED. 
I RETURNED ALL BOXED EQUIPMENT BACK I NEVER ACCUMULATED ANY SERVICE FOR GOODS NOTHING
Product: Mortgage

Ocwen is  my loan servicer for my mortgage. In    XX/XX/XXXX   , they denied my application for loan modification. Instead, as I was not working at the time put me in an unemployment program which took my payment from {$2400.00} to {$2200.00}. As it was explained to me the difference in interest could be paid later and added to the principle. I was told after a year they would relook at the modification opportunity and if I was working I would probably be approved.   O n  XX/XX/XXXX  I calle d  XXXX  to look at refinancing my home. Finally, after 12 years of making my payments on time automatically out of my credit union account, I truly felt I was finally out of the water.   What the rep from  XXXX  told me was  Ocwen had  been reporting my mortgage being paid late since I opted into this program. She could not help me.   I never agreed to enter into a program that would report my mortgage being late, This would have ruined any chance of ever refinancing my horrible loan.I never signed anything agreeing to this as well, which  Ocwen  confirmed as they stated that could n't find any document signed by me.   This is n't the only tim e Ocwen hav e messed up on my payments. Fo r one year they impounded my taxes and home insurance from my checking account without m y authorization. I have always paid for my own property taxes and insurance. They eventually refunded the money they took and blamed it on a new system they had started using. Again I never signed anything for them to withdraw this money from my account.   I have sent a fax of notification telling them to remove these negative marks on my credit bureau. As my wife and my brother who 's a   XXXX   are also listed on the mortgage are also being negatively affected.   I need to refinance my  XXXX  loans that I originated back in  XXXX  and until these reports are removed I will be unable to.
Product: Credit reporting or other personal consumer reports

There is information that is not mine on my report.
Product: Credit reporting or other personal consumer reports

Company is refusing to honor my dispute and i feel like they are not complying with the FCRA 15 usc 1681a, 1681b, 1681i and 1681s
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX  on a month to month lease. When I got out I couldn't go back to the property but I was paid up on my rent so I told the office I since I couldn't go back to the property until court is over to shut everything down but they kept charging me rent even after I got a police escort to come over so I could move my stuff. They kept charging me rent like I had a year lease and that's not true