23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by the credit bureaus to send in the proper paperwork to get the accounts removed. I sent the paperwork 6 months ago and still no update
Product: Debt collection

I keep getting threatening calls from this company about a " pre-legal '' issue that if I do n't give them information, they could sue me. I have no debts in collections or even late debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I an enrolles with a company for family budget services to get my credit card payments reduced. The payment gets made but misses by a few days. Then XXXX XXXX XXXX puts me over the 30 days past due by hundreds in the month of XXXX and XXXX and is effecting my credit score. I've tried with family budget services, XXXX XXXX XXXX, and multiple credit reporting to dispute these past due amounts. These past due amounts are well over what was even due and is become extremely aggravating and XXXX  is not doing much to help.
Product: Mortgage

My home was foreclosed in XXXX and the foreclosure was complete in XXXX i have recived the transfer of deed from my name to Bank of America the complaint is its still on my credit report and would like it removed from my report so i can start new with my family i have requested for it to be removed but i have still yet to hear from them
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


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

My online account was " migrated '' 4 months ago and since then I can not access my online account. Every month I have to call, explain my situation, and convince them to waive the phone payment fee. 

I have tried to work with this company since XXXX of this year, over 8 times by contacting customer support, IT, etc. and they refuse to help or tell me the problem is fixed when it is not.
Product: Credit card or prepaid card

XXXX XXXX closed account still on my report Also missed payments and there are old addresses on my report
Product: Debt collection

They keep calling me about a bill that has already been taken care of with my insurance and the medical provider that started this whole thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX Inquiry Date XX/XX/2021 XXXX XXXX Inquiry Date XX/XX/2021
Product: Vehicle loan or lease

I contacted Nissan XXXX and hit for COVID-I informed Nissan that i got laid off from my job struggling to make payments and have been charged over {$250.00} in late payments for the past year during the Pandemic. Nissan rep said he couldnt remove any late fees. He did say on XX/XX/2021 that they could change my due date from the XXXX to the XXXX. He couldnt make the change until I made my next payment and to call once I made pmt. I have made my XXXX payment and called today XX/XX/2021 spoke with XXXX # XXXX, supervisor as she admitted to and said it was a mistake and we cant change the due date because I used it up, whether I did or not, I informed XXXX that you promised to change my pmt date regardless, and if its your mistake, you need to honor as she refused to change due date. I asked for her superior and spoke with XXXX XXXX as she as well refused to change due date. 
CFPB question, This lender can say anything and lie to me and come back to say it was a mistake? Do I not have rights. Nissan should be held accountable for their actions as they clearly stated and admitted to. If they make mistakes they just say Oh I made a mistake?

Not only did they lie to me, they refused to assist during COVID and refused to approve me for any programs. 
They need to remove this recording from their XXXX if they do not assist during COVID, as they are illegally advertising assistance for those affected with COVID loss of job.
Product: Credit card or prepaid card

I received a pre-paid visa gift card for my graduation in XXXX. I received 10 different gift cards from different friends without the receipt of purchase attached to the card. this one I'm having problems with said this gift card is between $ XXXX so I'm not sure how much was in here. I tried using the card at multiple different places in store however it continuously was declined. my last declined transactions was at ride aid for {$71.00} and home goods for {$32.00} and after that I contacted visa. I contacted them on XX/XX/XXXX and I have not received worst customer service than this. I spoke to a customer service rep who told me I needed the original receipt and needed to contact my friend who got me the card to verify the gift card and was hung up on ( even though I was able to verify the declined transactions, they still told me they are unable to verify the Acct ). the second time I called and spoke to another representative, I was still able to verify the tractions and she still asked me to fax her the original purchase receipt ( the lack of communication here was very frustrating because I stated multiple times that I don't have a receipt as I did not make the purchase ). I asked to speak to the supervisor since this representative was not listening to me at all. she said because my account is not verified I AM UNABLE TO SPEAK TO THE SUPERVISOR. what kind of a customer service is this. This is the reason why I am so hesitant to get a VISA gift card for friends. because they make your life a living XXXX to give you what is yours. I'm writing this complaint to get a chance to speak to someone from visa who would actually listen and verify my information. I'm a medical professional and I don't write complaints unless it's very necessary.
Product: Mortgage

Im writing this correspondence because in XX/XX/XXXXmy husband and I did a loan modification on our home. I was laid off from my employer and was not able to find employment until late XX/XX/XXXX. At that time I was told that I can make partial payments in the amount of {$820.00}. We were told the remainder of the balance of our payment would be a rear age that we would have to pay at one lump sum or it would be figured into the modification. We were NOT told that this would negatively impact our credit. In the way of saying that we had made late payments because we were in an agreement with Wells Fargo. We had made a commitment to make the above payment in order to be approved for the modification. We had to make these payments for 3 months consecutively. Well our case sat on someones desk for 9/10 months as we continued to make the agreed to payment. I called and called, I finally wrote emails to CEO and CFO before anything would happen.
Fast forward to XX/XX/XXXX/XX/XX/XXXXI was laid off from my job again, agreed to a partial payment with Wells Fargo in the amount of {$850.00}, was not sent the agreement and again was not told that the partial payments would negatively affect my credit. My husband and I continued to make the payments in good faith thinking that we were doing the right thing. We agreed to a loan modification because we were told the rear age would be rolled into the loan modification and that our credit report would be updated.
I bring this up now because we are trying to purchase a new home and sell our current home and because Wells Fargo falsely reported these payments as late or misled my husband and I that they werent going to be late we are unable to purchase a new home. We had no idea that this is what happened until someone really explained it to us, and told us that this has been going on especially where Wells Fargo is concerned. My husband called in yesterday to obtain info on the modifications and he was placed on hold for 30 minutes and the person he was on the phone with couldnt find the info he was asking for. Either Wells Fargo doesnt have it together or your departments need better training on document retention. Im asking for you to correct this matter as soon as possible. I disputed the false reporting on my credit because for me it read as inaccurate because we were making the payment on time and the payments that were agreed to by both parties.
Product: Checking or savings account

I deposited a money order through the ATM, the system said it was validated. 
They said that they did a chargeback on the money because it had been altered. I used my card on the XXXX that evening around XXXX and I did not see an NSF charge in the app. When I tried to use my card on the morning of the XXXX my transaction was declined for XXXX dollars. I immediately went to the bank to deposit funds. When I checked the app again, they had added a {$35.00} NSF fee. I wasn't notice and was not given a 24 hour window to deposit funds to any transactions. Their system is automatically generating NSF fees with out an alert or 24 hour window to deposit funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I am getting a loan from Green Sky, XXXX, GA. They are charging me {$1700.00} on {$5000.00} so the total payment is {$6700.00} I thought 35 % interest was illegal. I have tired to contact Green Sky and there is no respond. Also our FICA score XXXX so that rate seems a little wrong.
Product: Money transfer, virtual currency, or money service

Between the dates of XX/XX/2023 and XX/XX/2023 I sent payments what I thought was a reputable breeder for a purchase of a lizard thru Zelle at my bank ( XXXX XXXX ). I found out on XX/XX/2023 that the breeder had scammed me. The web address I went to was on XXXX " XXXX XXXX XXXX XXXX '' to purchase this lizard. Since this happened they have now changed it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and the one that scammed me is the moderator on this group. I filed a police report and I was told by the investigatior that I was scammed. Since then the breeder changed his profile to another name as well. 

I did report this to my bank 's Zelle technical customer service to request a refund. The total amount that I have sent thru Zelle was XXXX. Checked on status of this dispute on or around XX/XX/2023 and it was DENIED. I feel that the bank should be a little liable for this transaction after all when I used the Zelle for the first time I had to get the bank to release the hold. They should have warned me or something. Yes I did authorize these payments all the while I was told by the scammer I would get XXXX back on delivery. Maybe others can learn from this experience as well. thank you
Product: Mortgage

As a result of COVID-19 all of the GSEs have been authorized by the federal government, via the loan servicers, to provide up to up to 12 months of forbearance on GSE backed mortgage loans. All of the GSEs have made public pronouncements of the same. 

However, my lender/servicer - Quicken Loans, like many other servicers, is not complying with this mandate. 

They have offered 3 months initial forbearance after which I can apply for 'an extension '. BUT HERE IS THE CATCH ... at the end of the 3 months I have to pay all the outstanding payments in full before I can apply for an extension!!! I NO LONGER HAVE A JOB!!! 

When I hesitated at this I was advised by Quicken Loans that I could ask for a modification at the end of the 3 months if I couldn't come up with all of the back payments. But they would not be able to guarantee that I would get the modification or provide me with what those terms would be. My response was there was no way I would be able to come up with that money nor could I afford to have my payments modified by increasing my payment to make up for the forbearance payments. I would need the payments added to the end of my loan per the GSEs communications on this subject. They advised there was no way of them being able to guarantee that.
Product: Checking or savings account

i opened this account with Chime in May and recently I noticed that there was a transfer of money that did not match up with my primary account and chime. so I did a dispute and I was expecting to have a person contact me on this. I even called someone on XXXXI believe on where this was coming from. and so on the XXXX I did file the dispute. Today I went to use my card and it was denied and i looked it was closed because i did not follow the proper deposit rules. and for no reason other than that I was told that I am not able to get my money in the amount on XXXX refunded to me. this is my savings and all the money I have at the moment. I have been saving for a car. I do not see how this is possible that chime can just KEEP my money.they said that i can not verify account ownership
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on XXXX accounts ( XXXX, XXXX XXXX XXXX ) that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Mortgage

My mortgage Flagstar bank is charging me an extra insurance for no reason because I have my home insurance already. 
I talked to a supervisor and she sent me a refund form I filled it up and email it back. But they did not send me any money.
Product: Credit reporting

I first requested a credit report thru your website since XXXX 2016. Equifax say they do n't understand my request I guess they have never seen your forms before. They are liars cheats and theives, XXXX. Today for the third time I am sending them clear, legible identification exactly the ones they asked for in XXXX in XXXX. Equifax is playing fast and loose with the law with the intent to profit from the bargain of selling peoples information. Credit bureaus can and have been sued. Now that the XXXX liberals are out of office and the credit bureau should take heed and start to comply with federal law.
Product: Bank account or service

My bank charges overdraft fees when an account overdrafts due to a bank fee. This is unfair. If my account has {$5.00} then the monthly service charge hits my account in the amount of {$12.00}, the bank then charges an overdraft fee when that overdraft was a result of a bank fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian 3 different letters asking them to verify and or remove inaccurate information from my report and they have failed to verify it and remove it. The other credit agencies did remove the inaccurate information from my report Regarding XXXX and XXXX XXXX and Experian after 2 attempts still refuses to verify the information and remove it from my credit file. Each time I dispute they do not send the requested information to verify the debt they just state it remains and has been updated. If the other 2 credit reporting agencies found errors and removed the items how is Experian able to still report these?
Product: Credit reporting or other personal consumer reports

Upon checking of my credit report recently there appears to be information that keeps appearing on my credit report that I am not associated with me which is extremely alarming, these accounts are mixed with my credit information and is therefore erroneous and misreported/belongs to someone else. This has been causing me XXXX and stress, and had impacted my credit negatively.
Product: Checking or savings account

I still have not received my bonus per the conditions outlined in HSBC 's response letter.
Product: Debt collection

On or around XXXX XXXX, XXXX I was in search of a new cellular data service and contacted XXXX for quotes. After discussing a contract with XXXX, they sent out XXXX XXXX 's without my authorization. I never received the phones, which according to XXXX were delivered and left on the front porch of my home on XXXX XXXX, XXXX. Upon receiving a rental bill for the above mentioned phones, I contacted XXXX immediately with no resolve. I have had numerous attempts with XXXX about this fraudulent bill with only one resolution after speaking with a XXXX manager. I was advised that this bill would be corrected and I would no longer be receiving any communication from them. I again received another paper bill for double the amount and contacted XXXX again. I was not able to speak to a manager and the customer service representative advised there was no manager to talk with at the time, but if I was to switch my cell phone service to XXXX, they would send out two new phones and that would rectify the initial complaint. In XXXX XXXX I received two calls from a collection agency who was representing for XXXX. I gave them all the information and all the conversations I had with XXXX about this issue and they advised me they would put the collection in dispute with XXXX until further notice. On or around XXXX XXXX, XXXX XXXX had the bill put on my credit report for collection in the amount of {$1200.00}. I am prepared to file a police report for phone cloning against XXXX along with possible legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied and received credit for a Rooms to go Credit Card with a limit of {$2500.00}, in XX/XX/2020. I bought the Card security protection for {$9.00}. The security protection states that if in any event I lose my job they will pay the credit card balance up to {$10000.00}. I made a purchase for {$1100.00}. I made all the payments on time until XXXX when I lost my job due to COVID. I filed a claim with the security protection insurance company and the claim took two month before it was finally approved. I received a notice from the insurance company 3 months ago stating that my account was settled and my balance was XXXX out. However if I made any new purchases they will not honor it. On XX/XX/2020, I received an alert that my credit scored dropped 42 points due to synchrony bank inaccurate reporting. synchrony bank Rooms2Go reported that I have a delinquent balance of {$75.00} and a late fee of {$35.00}. When I called to inquire a representative at synchrony bank told me that the insurance company charged a premium and I needed to contact them. When I called the insurance company a representative told me that they paid the remaining balance of XXXX in XXXX, which is the amount that synchrony bank presented and there is not supposed to be a balance. I then called synchrony bank again and was told that they made a mistake and reversed all the charges and the account was XXXX out. However I spent 1 year and {$900.00} in credit repairs to get my credit to a XXXX, I am in the process of purchasing a home and now my credit score is reflecting XXXX, I am unhappy, because as a consumer I was responsible enough to purchase the protection, and synchrony bank should of updated this information before it negatively impacted my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response.
Product: Checking or savings account

I was the victim of identity theft on XX/XX/XXXX. My phone and many accounts were compromised. I notified Wells Fargo that my phone had been hacked and I was worried that my accounts would be compromised while I was traveling. They said all I can do was monitor the accounts and notify them if something happens. I spent hours on the phone trying to find a way to prevent potential fraud since it had already occurred with another company I bank with. They couldn't help me and said nothing can be done until fraudulent activity is made. No real preventative measures can be made aside from changing passwords and adding a backup email. While I was traveling, I was locked out of my email and banking accounts and many transactions were made fraudulently which was my original concern. Upon returning in XXXX I spent countless hours over the phone and in person at various branches to fix all the fraudulent transactions. At this point I have rectified all transactions except for XXXX that is titled as " foreign currency online order '' for the amount of {$2900.00} and was withdrawn from my checking account on XX/XX/XXXX. I have endless notes documenting all the attempts and information I have been given. No department seems to know where to send me. I filed multiple claims and I have the numbers to them for this transaction. I faxed a letter in XXXX with claim numbers and describing what happened but no one has responded. I also filed a complaint to the bank. It has been over 6 months now and I still haven't received my money. I don't know what else to do.