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

Kohl 's, for second time, during the pandemic has reported me as late! Most recently ... XX/XX/XXXX I paid {$200.00} and then XX/XX/XXXX paid {$150.00}. which was for XXXX 's payment. I checked my account and it stated XXXX due. I never received an email or call before it would 30 days late. I received a phone call yesterday XX/XX/XXXX asking why i missed 2 payments????? I had no idea i missed 2 payments. I paid XXXX 's payment EARLY as to not get a late on my credit report.. Looking at my account minimum payment for XXXX was {$27.00}. I paid {$150.00}!!!!!!!!!!!!!!!!!!!!!! on XX/XX/XXXX. EARLY!!!!!! AND XXXX was due XX/XX/XXXX. I received a call yesterday XX/XX/XXXX. I was not 30 days late! Kohl 's has very bad consumer practices and should held accountable! Late payments have profound affects on consumers financial stability and life. This should not be allowed! or tolerated. I will go as far as i can to protect the next consumer from this happening again!
Product: Credit reporting or other personal consumer reports

I have filed a complaint previously ( last month ) with this organization about my concern that Transunion is consistently lowering my credit score up to XXXX points less than XXXX or XXXX credit reporting agencies. I have ask that you investigate this situation because I am sure that it is also happening with other people. There is no reason for Transunion to lower my score by XXXX points less than the other two. No explanation was given for this problem and CFPB closed the case, without any explanation from the company. 

I would like to hear an explanation. This is damaging to my credit and that of many other people I'm sure. Are they getting paid to do this for the purpose of lowering scores so that institutions can change more interest? This is seriously wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

The follow information should, but does not, accurately paint a truthful picture and such consumer reporting fails to meet the " Maximum possible accuracy '' standard. My understanding is that I have the right to a fair and ACCURATE report, based on this understanding, the following data is reporting inaccurately and needs to be removed immediately. 

Address - XXXX XXXX XXXX XXXX XXXX AZ, XXXX Experian Accounts - XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiries - XXXX Credit / 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I inquired my credit card issuer, capital one, to explore upgrades to my XXXX XXXX I upgraded my card based on the following information ; I had the option to downgrade to my original card, the physical card was to be metal, I would revive XXXX miles per dollar which I told equated to 2 % cash back. Once I found out some of the information I was provided with was invalid I requested my product change stop and I asked to keep the original card. My request was denied and I was told I could only get the XXXX XXXX XXXX which offered even less cash back then my original XXXX. The capital one representative lied to me and was not representing the facts when inquiring about the product change.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
the credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 15 u.s.c 1681 section 602 a. states i have the right to privacy.

15 u.s.c 1661 section 604 a section 2 : it also states a consumer reporting agency can not furnish account without my written instructions also the credit bureaus took more than 30 days to complete my investigation here is my cerified tracking number
Product: Mortgage

My servicer, Wells Fargo has sent me a letter ( attached ) in reference to a mortgage modification which I have not requested. This letter makes a number of false statements, and given Wells Fargo 's apparent proclivity for fraudulently managing consumer accounts, my trust in a benign reason for this letter having been sent, and goodwill towards Wells Fargo 's intent is nil. 

In regard to this letter specifically : Paragraph 1 " I 'm writing to follow up with you about your request for a loan modification. '' This is false : I have never requested a loan modification, and indeed, this is a repeated tactic by Wells Fargo when I become delinquent on my mortgage. I have clearly stated on multiple occasions ( including in a similar CPFB complaint see XXXX ) that I do not intend to, a ) default on my mortgage, nor b ) request or otherwise make inquiries to Wells Fargo for the purpose of any loan modification. 

Continuing from the letter : " ... I 'd like to thank you for responding to our request for documentation. '' This is false : I have submitted nothing in regard to a loan modification by any means of transmittal, nor do I, as a matter of course, respond to the continual unsolicited offers and/or notices of loan modifications from Wells Fargo. Let me highlight again that these loan modification " offers '' are always unsolicited on my part. 

The second paragraph refers three times to foreclosure at present no notice of intent to foreclose has been received, nor to the best of my knowledge has the foreclosure process commenced. This paragraph implies that this process has begun, nonetheless. 

As mentioned, this is not the first unsolicited loan modification which Wells Fargo has sent, and invariably the language of their letters implies or states outright that the process is one that I have initiated. I perceive this behavior on the part of Wells Fargo to be harassing in nature. 

Finally, I note that the letter is dated XXXX XXXX, while the postmark ( or franking ) is dated XXXX XXXX, and the letter was received on XXXX XXXX. This apparent retarding ( or pro-dating ) of correspondence has occurred numerous times with Wells Fargo with ostensibly critical communications. I would describe it as a recurrent and perhaps deliberate feature of their behavior.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. 
The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA, 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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/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 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

i was checking my credit report and noticed unauthorized charges made and i would like for them to be removed
Product: Credit reporting or other personal consumer reports

During the pandemic, managing payments for this account became increasingly challenging. As the economic landscape shifted unpredictably, so did my financial stability. With job uncertainties and unexpected expenses, allocating funds towards debt repayment became a daunting task. Despite my earnest efforts, the burden of overdue payments weighed heavily on me, exacerbating the XXXX  already imposed by the pandemic 's uncertainties. Each missed payment amplified feelings of XXXX and frustration, deepening my worry about the repercussions on my credit score and financial future. Navigating these turbulent waters required a delicate balance between meeting essential needs and addressing financial obligations. Seeking assistance and exploring alternative payment options became imperative in order to mitigate the impact of this challenging situation.
Product: Bank account or service

This is ridiculous and unacceptable. My card got STOLEN, and XXXX & TXXXX Bank made no attempt what 's so ever to contact me through phone, or direct message to my mt bank account. This is crazy I ca n't trust a bank to help me, when indeed my card got stolen and funds taken out!! Of course the transactions were processed correctly, because the money came out the atm, but not into my hands!! I am complaining about my money being stolen, and I need my money back asap!! I work too hard, and with my dad just passing away all this is crazy! I will need resolve to this problem soon, because I will seek further means to get my money back. This is bad business, and banks practices in not helping their customers new or old!! I will contact the consumer financial beraeu, and keep going from there to get my resolve. I am here waiting and thinking the bank is helping me, and instead you do n't notify me until I called or messaged you guys. SICK! YOU WILL HEAR FROM ME EVERYDAY, until this fixed. They said they sent a letter the XXXX that I never got! They did n't call or anything for additional info, they say 10 days to issue a credit, but do their process in 3 days dending your claim.How is that right. I dint have a police report, because the kid who stole my money got fired on the spit for stealing. They have all these terms that as a customer you have XXXX liability for fraudulent charges, yet nothing is done to help me. At that they keep charging my account fees! How is this right in any way?! I will pursue them everyday until I get my stolen money back.
Product: Debt collection

I have this company on my credit report who Ive never done any business with, I havent signed any contracts with and have never even heard of them. I believe Im being scammed. Ive been trying to fix this problem. Its fixed with some Credit bureaus but not all XXXX. 


Midland Funding XXXX
Product: Credit reporting or other personal consumer reports

Filed a dispute for accounts and company changed status from charged off to open on credit report in attempt to hurt the consumer credit scores. Creditor has violated consumer credit Laws. The account was charged off and reported to irs for company to receive tax credit. Company needs to update balance to XXXX and / remove from consumer credit report. Creditor was asked for. 1099-C and never provided to customer after 60 days XXXX XXXX is illegally reporting a balance of {$16000.00} XXXXXXXX XXXX  XXXX XXXX reporting a balance of {$1500.00}
Product: Debt collection

I am being contacted by a new Collection Company regard a Medical Debt that was not mine rather paid back in XXXX and XXXX. I reported the previous Collection to the CFPB, XXXX, XXXX, and XXXX. The previous Collection Companies deleted the debt from the XXXX and the original Creditor applied for payment from my insurance to clear the debt in XXXX. I am requesting the collection company remove the debt and no longer contact me or my family in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not companies I signed up for yet they're giving missed payments that I was not recognized for please remover any missed chargers or collections from these 3 companies I did not sign up for. Thank you! 

XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Original creditor, XXXX ) XXXX XXXX XXXX
Product: Debt collection

THE FTC PDF DOCUMENT HAS BEEN UPLOADED TO TARGET ALL OF THE ACCOUNTS THAT WERE UNDER FRAUD. I CLAIM NO LIABILITY ON ALL ADVERSE ACCOUNTS I HAVE LISTED ON THE DOCUMENTS ATTACHED
Product: Mortgage

I have a fixed rate mortgage from US Bank. Despite property tax and insurance costs being readily available, they have consistently miscalculated my mortgage escrow requirements year to year resulting in shortages. Each year they also miscalculate the shortages, asking for a very small amount up front and raising my monthly payment much higher to cover the rest. In years past I have been able to calculate manually and " pre-pay '' ( pay the actual shortage ) of my escrow. This year they claim the law changed on XX/XX/XXXX such that they 're no longer allowed to do that. They were unable to define the exact law.
Product: Mortgage

On XX/XX/XXXX I authorized payment of {$580.00} to HomePoint Financial to cover an anticipated increase in the amount of my monthly escrow payment. 

XX/XX/XXXX - My usual monthly electronic mortgage payment of {$2300.00} was debited from my checking account. 

Starting in XX/XX/XXXX my monthly bills indicated that my account was in suspense. I contacted HomePoint on numerous occasions and after I had made 3 or 4 phone calls it was escalated to a manager in XX/XX/XXXX who told me that my account would be taken out of suspense and the derogatory credit reports that they had submitted to the credit bureau would be withdrawn withn 30 days. I have not been able to confirm this at this time, however. Additionally, in XX/XX/XXXX Homepoint withdrew TWO mortgage payments from my bank account instead of just a single one on the dates below. 

XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} I contacted Homepoint on XX/XX/XXXX and escalated it to a supervisor named XXXX, who told me that he would have to research exactly why the extra payment was deducted and if I had not pre-authorized the payment, they would issue me a check by mail. After I spoke with him I contacted my bank and had them attempt to stop payment on the XX/XX/XXXX payment which they were successful in doing. On XX/XX/XXXX I called Homepoint and talked to a male who gave his name as XXXX (? ) and asked him to notify XXXX that my bank had issued a stop payment. Nevertheless, on XX/XX/XXXX I received a check for {$2400.00} because Homepoint was in error in deducting the 2nd payment, I am holding the check in lieu of instructions from XXXX. On XX/XX/XXXX I received a letter from Homepoint requiring that I resubmit the payment for {$2400.00}. On XXXX I contacted Homepoint and was told by the female representative that my account was in arears {$2400.00} and that the charge was being reversed and would be taken from my escrow account! At that point I asked to be transferred to XXXX but he did not answer, so I left my name and number on his voicemail to call me. 

I can provide all bills, bank statements, call times, and letters to document and support this complaint. I am a XXXX veteran and this is a VA loan on my primary residence. I need the help of the CFPB to stop the predatory lender practices that HomePoint Financial is carrying out against me because of their own error, by their own admission, and to restore my credit so that I am no longer financially harmed by their predatory actions. 

Thank you in advance
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I could not access my funds on Coinbase due to repeated failures in their identity verification process. Despite entering my correct information, including my name, address, and ssn, the automated system failed to verify my account and prompted me to try again multiple times before locking me out for 24 hours. 

I find it suspicious that Coinbase decided to freeze my funds at a time when the crypto market saw a very large sell-off, almost like they were trying to stop me from withdrawing my own money. 

I contacted Coinbase support, and they requested additional documents, such as a utility bill or bank statement. However, I do not have access to these specific documents. I provided alternative forms of verification, including a credit union statement and my ssn, but these were denied. 

This situation has left my funds inaccessible, totaling approximately XXXX XXXX Coinbase 's verification process is faulty, as it fails to recognize correct information, and their support has not provided a workable solution. This has caused significant stress and financial inconvenience. 

I am seeking immediate assistance to access my funds, either through a resolution of the verification process or an exception allowing alternative documentation.
Product: Credit card or prepaid card

I had a credit balance and requested Capital One to issue a check on or around XX/XX/XXXX and again on or around XX/XX/XXXX. To this day, I still have not received the check. 

I called and sent an email to Capital One leadership team 3 times and no one responded to my inquiry. 

This is the WORSE customer centric company that I ever have to deal with.
Product: Debt collection

My XXXX year old mother received a notification from Portfolio Recovery Associates LLC claiming she owned {$2000.00} dollars for a debt with the 'original creditor ' being " XXXX XXXX XXXX XXXX. ". They indicated she could pay the debt in installment and save up to about {$900.00}. My mother had XXXX in the prior year and was afraid it had something to do the that ( even though all bills had been paid ). I called the Portfolio Recovery Associates and after getting the run around and letting them know further correspondence would be through our attorney, they said the would just 'take her off the list '. We 'll see if this holds true. The point here is that she could have easily thought she owed the money and made payments. After looking at the information on the internet regarding this company, I think they are a scam prey upon older people.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


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: Mortgage

On XX/XX/2013, XXXX days before the DOJ announced its landmark $ XXXX settlement of the Chase XXXX Lawsuit, JPMorgan Chase Bank, N. A., outsourced the servicing rights to hundreds, ( and possibly XXXX ) of DOJ-designated " Toxic Mortgage '' loans, originated by the Chase-Direct Non-Prime Lending Center. The net-effect of this clandestine " Eleventh-Hour Maneuver, '' was that these newly-outsourced " Toxic Mortgages '' ; including Mortgage Numbers : XXXX, contained in RMBS : JPMAC XXXX, were then ineligible to receive consumer relief under the $ XXXX Consumer Relief Provision, of the $ XXXX Chase XXXX Settlement with the DOJ. The net financial benefits of this fortuitous outsourcing maneuver to JPMorgan Chase Bank, N. A., is  unknown ; however, the end-result was that it allowed the defendant in this lawsuit, to designate the lien-holders to which this $ XXXX " restitution '' was to be given. This unprecedented act of the DOJ to allow the defendant of a lawsuit, to designate who the recipients of the monetary damages awarded, is like " allow the Fox to Guard the Hen-House '' ; however, even now, XXXX years later, no federal fair XXXX XXXX XXXX has registered a single-comment on behalf of the mostly XXXX Americans lien holders of the tens of thousands of Chase-originated " Toxic Mortgages ; and it is clear, that this is been interpreted " as a blanket-vote of approval by these agencies regarding this XXXX of justice to these XXXX American Lien-Holders ''. To emphasis this point : It appears that some form of bail-out, restitution, relief or other form of compensation has been offered to corporations and consumers adversely affected by the " criminal, felonious acts of major financial services institutions and National Banks during this period of sheer madness during the past decade ; however, economic indicators, in particular : home ownership rates for XXXX American consumers, have not recovered, and frankly, may never recovered to the levels which existed before the real estate collapse of XXXX. When JPMorgan Chase and Company were named the " XXXX '' of the XXXX consumer relief that was assessed by the DOJ, they had a unique to " right some of the wrongs '' done by them with no additional fines or levies ; however, they chose to do just the opposite by conspiring with its business partner XXXX to deprive lien-holders of Chase-originated " Toxic Mortgages '' with the consumer relief that they deserved.
Product: Mortgage

I attempted to get a modification from XXXX when my husband was XXXX and our income reduced to XXXX person working. XXXX XXXX XXXX could not figure out who our investor was. They claimed we had XXXX investors ; XXXX XXXX and XXXX XXXX XXXX, then changed it to XXXX on behalf of XXXX XXXX XXXX. They filed foreclosure proceeding with the XXXX XXXX court, and it was denied. 
After 4/12 years of sending in the same documents our mortgage was sold to Select Portfolio Servicing. The document requests started all over. Another foreclosure was filed with the court ; I appeared and presented evidence of deceptive lending by XXXX Mortgage my original lender, and XXXX XXXX XXXX inability to resolve the issue in 4/12 years. The judge instructed Select XXXX Protofolio 's lawyer speak with me get copies of the evidence I entered and make a decision within 30 days before she make XXXX for both parties. 
We received a trial payment period from XXXX XXXX 2016. All XXXX payments were made on time as agreed. 
My XXXX concerns are the modification payment is not reflecting on my credit report. Any type of payment a creditor receives from a consumer must be reported. Select Portfolio Servicing is telling me because the payments were trial payments they do not have to report it as payments, and I strongly dislike that policy and need your advice. 

The second concern I have is with the balloon payment we got for our modification and had less than 30 days to have a lawyer read it and advise us on it. This is how we got in trouble with XXXX Mortgage in the first place harassing us to refinance two years after we had just refinance our home with them. 
I do not trust the entire process and would like for someone to please review our case. 
Select Portfolio Servicing Property Owner : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Texas Account # XXXX My contact number is XXXX