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

American Express Serve has t heir call center in the  XXXX . I filed disputes two months ago for  XXXX  charges. The representative apparently forgot to do it? Called back three weeks later to get a status and they said it was not even disputed! So I started the dispute process ( FOR  XXXX  UNAUTHORIZED CHARGES FROM THE SAME COMPANY THAT I CATEGORIZED FOR THE INCOMPETENT PERSONAL ), again waited anothe r two weeks. Three  days ago  XXXX  other charges were finally provisionally credited. BUT THEY FOR GOT  XXXX  OF THEM! They are making me waiting again so since  XXXX   XXXX ,2017 and it is  XXXX   XXXX ,  2017 . Do n't they have a limit  of 30 -45 day s were they and LEGALLY HOLD CONSUMERS OWN MONEY? I have had it with Fraudulent banks that went from mortgage fraud to insufficient funds charging fraud, to fake account opening fraud. Nobody did anything about that. Also. they purposely hire the worst people for customer service.  Poor  people that present a language barrier and they wonder why there is identity theft ... Needless to say this is another one of my rants that you will do nothing about. your pretty much thee same as them LAZY.. this is just an email forwarding middle man site to pay a bunch of more worthless salaries, while there are actually real smart people that work with pride and are jobless getting hung up on by uneducated low-income accepting incompetent workers. So t o American Express,  not that you give a blank about anything but holding poor peoples money. Your customer service is horrible THERE IS NOTHING EITHER AMERICAN OR EXPRESS THAT YOU PORTRAIT. HAVE FUN EATING CHIPS AND SODA AND HANGING UP ON PEOPLE.     CFPB, NO NEED FOR A RESPONSE, SINCE YOU HAVENT DONE A  XXXX   XXXX  THING ABOUT ANY OF THE COMPLAINTS. I WOULD KEEP IT PROFESSIONAL, ONLY IF I WAS DEALING WITH PROFESSIONALS.     TAKE SOME COURSES ALL OF YOU AND BOOST UP CONSUMER RIGHTS.
Product: Mortgage

I had my FHA mortgage with XXXX XXXX XXXX for 7 years, I autopaid my mortgage and was never late with a payment. My housing costs were 20 % of my income and I had no financial hardships or issues with my mortgage. 

In XXXX XXXX I received a notice that my mortgage was being transferred to LoanCare , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) and that I would get a bill from them the following month, I did, I paid it by check and called to set up an auto-payment, I could not get through to anyone, I called dozens and dozens of times, it is an endless loop of automated phone messages. If you stay on for the full hour plus to get through all the prompts and ask to talk to a customer service representative, you get a recording to send them a written note by mail. 

They made it impossible to pay my bill, then after one month I started getting notices in XXXXnglish and Spanish that I was going to lose my house if I did n't pay, and started getting XXXX packages with notices to refinance with them ( I did not need to refinance and it would have not been financially advantageous for me to refinance ), if I called the number on their predatory lending arm, a person immediately answered, but said they could not help process my mortgage payments and had no way of communicating with their loan servicing arm. 

I ultimately had to pay for a lawyer to just get them to process my payment. I was moving in with my new husband and wanted to keep my townhouse as a rental and build my assets but they were so horrible I decided to sell then continue to fight with them. 

I felt like I had to register a complaint, I have sold my house but the reviews of this company are terrible - thousands of people have posted online that they have tried to take their homes or have taken their homes. I was lucky enough to be educated and have resources to protect myself, but many do not, this company is making it logistically impossible for working class people to pay their mortgages and then they are stealing their homes acting as if people failed to pay. They need to be taken to court, and possibly be held criminally liable. This is beyond bad business practices.
Product: Vehicle loan or lease

This is my second case ( first case : XXXX ). TD failed providing a resolution to the previous case I opened. They are unable to justify the remaining balance and on top of that they added late fees and additional charges of XXXX cents daily. Not only TD never sent a bill for the remaining balance, they never told me anything about it during my calls with their customer service. My last payment was of {$1900.00} and was the exact amount they told me it was remaining on my car loan after I made previous payments to pay my car quicker. After that {$1900.00} amount was paid they told me they were going to send the car title but never sent it. I have called several times after that but they never mentioned anything about a remaining balance. I even tried to access my online account but I was unable to login, and when I called to see why I was unable to login they told me it was because mu account was closed because my car was already paid off. TD needs to send me my car title as soon as possible. After months of me requesting my car title they send through CFPB a supposed letter they sent me in XX/XX/2018, and one letter on XX/XX/2018, the, letters that have never made it to my house and I only received them because I filed a complaint through CFPB. Because of their irresponsible customer service, account mismanagement and blatant miscommunication I am unable to get my vehicles title for over seven months now and it seems they have sent my account to collections. TD cant explain where the remaining account comes from, and theyre adding fees on top of it adding insult to injury. They attached documents to the previous case that dont show where that remaining balance comes from even after their Customer Service specified my car was already paid off. They also need to listen to the phone calls from customer service when I contacted them all the times I called where they confirmed my car was already paid off. TD needs to fix this problem urgently and eliminate or erase the supposed remaining balance because there is none existing since my car was paid off as confirmed by the several phone calls I made ( requesting the car title ) and their various phone representatives that spoke to me, and the zero balance on my account when the las payment of {$1900.00} was sent.
Product: Debt collection

Portfolio Recovery calls day or night everyday. Have told them over phone its not mine and they harass and immediate call back a couple of hours later and the rest of the week. They never provided written documentation confirming account and have reported to credit bureau multiple times after removed.
Product: Checking or savings account

I have been wrongfully charged some overdraft fees even after depositing a check for {$6400.00} for my overdraft of a  few hundred dolla rs to that point. Even after that they have charged me another {$70.00} after my deposit.. In calling the bank today, the said they would continue doing so until the  XXXX  until funds could be verified. I deposited this check on the  XXXX  and they never have done this before. I  imagine the y will keep racking up these fees until this point until the  XXXX  even though i made this deposit. I understand I should not be able to go in and withdraw the {$6400.00} but in the past, if i deposited a check they allowed it to cover my overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX Another inaccurate reporting in my credit... high balance XXXX XXXX$0.00}, equifax {$520.00}!!! Date of Last active experience XX/XX/2017 while equifax XX/XX/2017... XXXX REPORT..PLEASE DELETE!!
Product: Debt collection

Hey i Went over My consumer Report And Called them And let them Know it Was Unathorized An Need be Removed. & Never gave them Consent to Report them. 
18 U.S.C 1028A 15 U.S CODE 1601 ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXXXXXX XXXX ACCOUNT : XXXX Charge/ Off 15 U.S CODE 1601. 
XXXX XXXX ACCOUNT : XXXX Closed/ Charged off 15 U. S code 1601. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) has been harassing me every day at least twice a day via various different phone numbers to collect a debt that is not legally mine. 

I leased a new vehicle back in XXXX. I sat in the dealership with the salesman as he called the original credit union directly for a payoff amount, it was read off via the automated phone menu, and the salesman sent that exact amount to the original credit union and I signed the title over to said dealership ( XXXX XXXX XXXX in XXXX, KY ). 

Days after I began receiving letters and many many calls regarding a {$65.00} difference in the payout amount that I'm not even legally responsible for as the car title hasn't been in my name since that car was signed over before I left the dealership lot. 

It took maybe a week before XXXX, XXXX began harassing me everyday with various different numbers NUMEROUS times a day. 

I've answered twice on recorded line explaining the debt is not mine legally and they will get nothing from me, if they'd like it paid contact those legally responsible at XXXX XXXX XXXX  in XXXX. But they still keep harassing me with calls and texts every. Day.
Product: Debt collection

This is the second time XXXX has reported this to a collection agency. The previous agency rejected XXXX 's claim because the debt could not be verified, and XXXX provided no proof of what they were charging me for. 

They are attempting to collect {$470.00} on phone service I do not have -- I have been an XXXX customer since XX/XX/XXXX. XXXX has previously told me that my account was closed in XX/XX/XXXX and they are unable to access it. I do not know what this debt is for, XXXX does not know, and has not provided me or the previous collection agent any information. All they did was refer it to another collection agency. This needs to stop.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 


XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I'm requesting a re-investigating on this account. I just received my TransUnion File Number XXXX dated for XX/XX/2024. I see this acct XXXX XXXX XXXX XXXX  XXXX came back VERIFIED AS ACCURATE. The other credit bureau XXXX WERE NOT able to properly verify these accounts and was required to remove the accounts from my Credit Report. I have the right to a COMPLETE & 100 % ACCURACY on my credit report with all 3 credit bureaus per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and FCRA 623 ( b ) ( 1 ) ( d ). How were you able to verify these accounts and you all have access to the same information? Please give me the name of the person who verify this account? Also, I have attached a invoice of all the laws you fail to comply with ( 15 U.S. Code 1692d : Harassment and abuse, 15 U.S. Code 1692e : False or misleading representations, 15 U.S. Code 1692f : Unfair practices, 15 U.S. Code 1692g : Validation of debts, and 15 U.S. Code 1692j : Furnishing certain deceptive forms ). You can mail the check to my address that's mention in the invoice. I have uploaded my supporting documents as my proof of these accounts was removed off my XXXX Credit Report Number XXXX. Do not send me any stall tactic letters. Send me a update copy of my credit report. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified dispute letter to XXXX, and Experian, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both XXXX  and Experian mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date of last payment is inconsistent and inaccurate, along with the date of last active, and comment section says two different reason for account delinquency, which is miss leading and deceptive. I've made attempts to get in contact with XXXX XXXX XXXX to resolve the correct amount owe and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolved, I am looking to file civil suit because this clearly violate the Fair Credit Act.
Product: Credit card or prepaid card

On numerous occasions, I've asked a Wells Fargo " banker '' why I can't get a credit card? I get one or all of these answers : 1. My credit score is too low ( it's XXXX ) 2. You have too many inquiries ( most from Wells Fargo ) or applications for credit ( they look for how much credit I'm taking on ) but they NEVER ask if it's me! 
3. You have to prove you want one by increasing your credit score This absolutely infuriates me as I have ALWAYS had a credit card and have never before been denied one until I transferred my banking to Wells Fargo.

There are also several areas within their online banking process that requires the use of a cell phone! Since I can't as yet afford one, I asked how they accommodate those of us who do not have a cell phone. Their reply was : get a cell phone!
Product: Prepaid card

I am writing to file a formal complaint against InComm Financial Services regarding their handling of a tampered Vanilla Visa Gift Card ( VGC ) purchased from XXXX. The details of my complaint are as follows : On XX/XX/XXXX, I purchased a Vanilla VGC with a balance of {$500.00} from XXXX, paying a {$5.00} fee. Upon attempting to use the card, I discovered that the last two digits of the card number were scratched off, and the {$500.00} balance had been depleted in an unauthorized transaction at XXXX. I promptly reported the tampering and unauthorized transaction to InComm Financial Services on XX/XX/XXXX ( case number XXXX ). 

Despite following the instructions provided by InComm Financial Services and submitting the requested documents, including proof of purchase, documentation of the tampering and my identity and contact information, the issue has not been resolved. The status of my case was updated to " documents received '' and " replacement card sent '' after approximately two weeks. However, as of today, XX/XX/XXXX, I had not received the replacement card. 

During the past three months, I had called InComm Financial Services multiple times to check update, request tracking information, and ask for another replacement card. On XX/XX/XXXX, I received an email from InComm Financial Services that a replacement card was shipped via XXXX and would arrive within 2-5 business days, but the card never arrived. When requesting a tracking number for the shipment two weeks later, I was informed that one could not be provided. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that InComm Financial Services issues a replacement card in a timely manner and provides tracking information upon shipment. 

Attached to this complaint are copies of relevant documentation, including receipts, photo of the tampered card, and email correspondence with InComm Financial Services.
Product: Credit reporting or other personal consumer reports

Iam filling this complaint because XXXX has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) specially they have violated. 
15USC1681e ( b ) Failure to maintain the accuracy of my credit report.

15USC1681s-2 Neglect in ensuring the furnisher of information comply with their obligations.

15USC1681i ( 5 ) Failure to properly reinvestigate disputes and remove inaccurate information.

15USC1681c ( c ) Inclusion of absolute information in my credit report. 
I have sent multiple dispute letters to XXXX but they have either fail to conduct proper investigation or reinvestigations or outright ignored the evidence i provided. 
To make matters worse i have learned about the recent CFPB law suit against XXXX ( CFPB ) sues XXXX for Sham investigations of credit reports which highlights that XXXX has a documented history of neglecting consumer rights by failing to remove or properly investigate errors in credit reports This issue has signific ally impacted my ability to access credit housing and employment opportunities causing me Financial and Emotional distress. 
As a result of XXXX '' Non Compliance my credit score remain inaccurate these are the accounts XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have both violated my rights M15 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid off a {$230000.00} mortgage loan to Pennymac. Since XX/XX/XXXX, my mortgage had been in forbearance. The forbearance plan was to expire in XX/XX/XXXX. The loan was paid off before my forbearance expiration date and they have updated my credit in XXXX from 60 days late, starting in the beginning of the month, to now, with all 3 credit bureaus as 180 days late. All in XXXX single month. If I was 180 days late at any time, why is it in the remarks/ account status, but not reflected thru 6 months of late reporting to credit bureaus. The 180 days is only reported for XX/XX/XXXX. So what happened to the prior 5 months? I didnt know you could get marked 180 days late, for 1 month? It makes no sense! This is my second consumer complaint on Pennymac, since Ive been in forbearance. They are going to investigate this, and then proceed to lie, as they did previously. The have murdered my credit score, while in forbearance, but its like a scam. They report every month that you are late while in forbearance. The reporting, deducts from you credit score, but in the next month, these previous monthly marking disappear and appear to move to the next up coming month ( biggest scam ever )! So Pennymac is telling me, that maybe the late reporting may fall off my credit report in 2 months. What a joke!! So you mess up my credit score, mark me 6 months late in forbearance, all in one month, and you tell me, Lets hope it falls off in a couple months! I want my credit fixed now, right now. I will never return to this Mortgage Company EVER! Fix my credit please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have being going back and forth with the three major credit bureau XXXX, Equifax and XXXX. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.
Product: Credit card

Through the Wells Fargo issued XXXX credit card I mistakenly submitted payment for the card through the wrong checking account which did not hold sufficient funds for the payment. I contacted Wells Fargo when I realized the mistake and was told to wait until the payment was returned and specifically not to send another payment until the balance was reposted on my credit card. After the payment was returned days after I informed Wells Fargo of the mistake they closed my account. A customer service agent told me I should be able to reapply with no problem, and once doing that Wells Fargo denied me credit. All in all knocking XXXX points off my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's impossible that this account from XXXX was ever investigated by Experian, because the other 2 bureaus ( e.g. XXXX, and XXXX  ) investigated and determined that it was in violation due to several litigation issues, and other ways that they violated the REPO laws. Dear Experian ; Im little concerned considering the fact that youre the only company that still reporting this account into my credit report. As I mentioned before, this account continues to be in violation of my consumer rights because its reporting incomplete, inaccurate, misleading information among the different factors within. I understand that you need to ensure that my credit file is always reporting the most accurate and timely information. Therefore, its impossible that this account was ever verified because I been in contact with XXXX directly, and they even sent me a refunded check of over $ XXXX because of the fraud they committed. They assured me through the letter that the credit bureau wouldve deleted this tradeline from my credit. How is it possible that you still reporting whereas XXXX and XXXX  DELETED from my credit. 

For example, base on the findings from XXXX, youre reporting wrong and questionable balance of $ XXXX, should be XXXX ; wrong last date of active, and last date of payments, also, when was this account actually closed? ; What is the first date of delinquencies-questionable? The high balance and the actual balance doesnt match what the original creditor has. Therefore, this account is unverifiable and it needs to be deleted. 

Im requesting & demanding again, that due to these several violations mentioned above that you DELETE this account permanently from my credit report immediately.