23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We accidentally missed a payment in XXXX. We are approx. XXXX dollars past due as of XXXX payment. When we got a reminder in the mail and were unsure of the reason we called them to verify, discovered our mistake, confirmed the amount and said we would make good on the past due portion during our regular XXXX Payment which we then set up with the bank to go out on XXXX XXXX. However, since our self initiated call, we have received XXXX calls daily from Navient, trying to collect this past due payment. We have explained ourselves repeatedly and asked the calls be stopped. XXXX we were told the calls would stop for five days and they would put a note in the system. This has not happened. The calls have continued at a rate of XXXX times daily. We feel harassed, we are losing valuable time on the phone in repeated explanations and we have told them to stop or we would file a complaint. They have not stopped. This is our complaint.
Product: Debt collection

I was a joint account holder on this account.. The account was settled in court and paid by the cosigner. The company is still reporting the full balance on my credit report when this was settled in court and paid in Full. Please remove this from my credit report.
Product: Credit card or prepaid card

Apple Card illegally charged me for something I didnt buy. 
After complaints were filed with the CFPB the outcomes said XXXX, company response But the illegal charges and balance remain in my card/account. 
I demand Apple Card to show me what I buy with the card. Is it too much to ask?
Product: Mortgage

In  XXXX  loan modification ( #  XXXX  ) approved by   XXXX    XXXX   XXXX  and or Specialized Loan Services,  LLC, ( SLS ) , which required {$1300.00} monthly payment, on   XX/XX/XXXX   called (  XXXX   XXXX  ) spoke  to  XX/XX/XXXX   who confirmed payment amount and about leaving payee line blank on checks, First payment made before  XX/XX/XXXX   and sent with copy modification payment page with hand written acknowledgement of the "  XXXX  '' statements, every payment made before due date  ,  SLS continued to cash said payment for  XXXX   XXXX  years,    XXXX   XXXX  , SLS  stopped cashing payment and entered property into foreclosure status,  XX/XX/XXXX   when questioned SLS '  XXXX   (   XXXX   XXXX  ), stated payments were n't cashed because the cause wrong amount was paid and, stated in fact, monthly payment should have been {$2000.00}, because SLS conducted appraisal after modification agreement was signed and determined account needed additional {$650.00}, he acknowledged amount is not listed in modification agreement, also no address was provided to mail new/added appraisal amount,  as  a result  XXXX  stated account was {$37000.00} in arrearage and would have to be made to bring account current and out of foreclosure. I should be able to rely on the amoun t SLS  agreed upon in our loan modification agreement and they should not have people confirming payment information if they are not professionals in mortgage business. This is a deceptive and dishonest practice and should not be allowed to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information that I need on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX any other names or addresses are not accurate and need them removed
Product: Money transfer, virtual currency, or money service

Unavailable transfer of funds due known issues with Ally 's balancing app. Funds are now delayed and the company will not take any action to rectify or expedite transfer. 

The representative confirmed there were issues with the app. I requested the money be wired free of charge to meet the initial delivery of funds. The representative told me it was my fault for not using a browser.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I am unaware of their source. In compliance with USC 1681g, please process their removal within 15 days. Supporting documents are enclosed for your reference.
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. 
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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 section 2 A. 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 a may make any consumer report containing any of the following items of information any other adverse item of information, other than records other than records of convictions of crimes which antedates the report by mored then 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: Credit card or prepaid card

Closed Account and Capitol One refused to send me the cash back I had accumulated. 

They said that when I closed my account they read me a disclosure that I voluntarily refused the cash back which is ridiculous. Who would voluntarily refuse money. 

The closed account info is : Name : XXXX XXXX Acct # XXXX XXXX XXXX XXXX
Product: Checking or savings account

My mother passed away last XXXX actually XX/XX/XXXX to be exact 2024. Ive been fighting with VyStar to get these funds. She had XXXX bank accounts. I had no problem getting funds from the other bank account as her executor. The VyStar refused to give me the money and made me go to court I went to court For the document showing that I was the administrator of the account. So VyStar disperses the money to my brother and I, which was only {$4300.00} each based on my mothers last bank statement in XXXX there was {$14000.00} in this account. Im trying to find out what happened to the other money and they refuse to send me the bank account and tell me now I have to go back to court saying I am the executor. I am so fed up with them. Im just ready to sue them. Please help me
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

There was a data breach about my information and things I have no knowledge of an I want all negative items removed from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ). 

Ive been a customer at XXXX finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in XXXX of this year it expired. Usually its supposed to last for the whole lease term. So XXXX gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at XXXX and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from XXXX and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.
Product: Credit reporting or other personal consumer reports

As of a recent date, I noticed a strenuous list of incorrect Inquiries on my credit I have no knowledge of I would like the following removed/corrected 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have resolved the balance through a collection agency and the XXXX XXXX XXXX is continuing to report incorrect information on my account.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. 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 account : XXXXXXXX XXXX XXXX : ( 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 on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

I sent the credit agencies a document to support there investigation results FORWHICH I HAVNT GOT A RESPONSE ITS BEEN LONGER THAN 30 DAYS I WAS concern about the validity of there investigation on all the accounts on my credit report that they said came back verified I requested for them to explain to me how there investigation was conducted and provide me complete copy of all information that was transmitted as part of there investigation and what did it cost them to obtain the documents and who did they speak to directly that was reporting the accuracy of accounts please provide any certified documents and ask them to provide any documents of communication and who they spoken with, the dates and times also I requested a notarized affidavit confirmation provided is true and correct as per my civil rights under federal laws
Product: Credit card or prepaid card

I purchased a new washer and dryer from XXXX XXXX in XXXX Texas. I was issued a Visa Debit/Reward Card for {$320.00}. I was able to spend approximately half the funds before the card would not work. On XX/XX/2020 I called Bank of America credit card reward department and was told my card expired at end of XXXX and the balance on the card was lost. 
I do not feel Bank of America should get to keep the expired funds approximately $ XXXX {$200.00}. I was mailed the card, so Bank of America has my mailing address as well as my email address to notify me of pending expiration. 

I feel Bank of America should extend the period or because they have the ability to discourage the use of the card until the end of the expiration period. This is another way they can create a profit center. 

call me for questions XXXX XXXX XXXX or email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXXXXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$8400.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Product: Credit card

I made a purchase on XXXX of several computers which never arrived and had trouble getting a refund from XXXX. I purchased the computers using my XXXX card, with two split payments for the same computers from the same seller. 

I obviously disputed both charges, and one of them was reversed with absolutely no difficulties ; however, the other was not. And even though I explained the situation to XXXX card support and they were confused why one refund was approved and the other was rejected despite being exactly the same in nature, nothing changed. 

I have tried disputing again several times to no avail. However, it definitely seems like their dispute decisions are completely arbitrary given that a split purchase for the exact same item ( items were bought and shipped together ), with the exact same information provided and at the exact same time yielded different outcomes. 

( The charge of {$XXXX} was successful reversed, however, since this happened so long ago I was not able to find this email. However, if this documentation becomes necessary, Im sure I can recover it. The latest email for the rejected purchase of {$XXXX} is attached, however. I did not include the first several dispute decisions, though. )
Product: Credit reporting

Opened a XXXX XXXX back in XXXX. In XXXX of XXXX I was away and extended my visit on a whim, so I that month 's payment was late. I have NEVER had a late or missed payment prior or since this XXXX time. XXXX 's is reporting this as a missed payment and it is showing up as a negative account on my credit report. I have talked to a few XXXX 's reps and all said that would be no problem to remove this XXXX item off my credit report, only to put me on hold and come to state that they can not do anything about this. All have said that they see my perfect payment history for the last 6-years, and agreed that this is ridiculous. XXXX reps said the company does n't care to help customers out when it comes to even a one-time mistake because it allows them to charge a higher IR % rate. This mark is screwing up my credit score BIG TIME and I had ID theft in XXXX and so I had to start from scratch again with XXXX credit. This is the only negative blip on my CR report and since I have been consistent for years and years with XXXX, I think they should give my a XXXX time courtesy and remove this. It has already been on my CR for four years. Also, the message center for card holders of XXXX is a joke. I Have writeen them XXXX times and keep getting emails that a reponse is in my inbox but when I go log in it says there is tech errors for months now.
Product: Mortgage

XX/XX/XXXX my husband and I took an equity line of credit with Bank of America. We had a pre-existing 2nd mortgage with them for {$120000.00}. and a {$530000.00} 1st mortgage with XXXX XXXX ( whom is not XXXX XXXX ). At the time, the appraisal came in at {$750000.00} and so Bank of America gave us a new 2nd mortgage at {$210000.00}. 
We did not know that we could not finance 100 % of the equity in our home. We still have the XXXX mortgages with an appraisal at {$580000.00}. I am only paying interest on the Bank of America loan and I have modified my mortgage payment 2 years ago. I tried to modify it again but was unable because they could not lower my payment to the govt. percentage rate. That is when I learned that I should n't have been able to finance to 100 %. I did all the mortgage application through a salesman that had contacted me by phone and thus the mortgage is in my name only ( we really do n't understand why ). 
At this point, my salary is XXXX of the amount it was in XXXX am a XXXX and my reimbursements from the XXXX is the reason for the lower pay. I am taking classes to obtain a XXXX in XXXX but I am only partially into this program. When I finish, I have {$95000.00} of student loan debt to begin paying also. This is why I tried to modify again ; I sent paper work in once using my salary and a contribution from my husband 's and I was denied because they said I did not make enough money. I reapplied and tried to have my husband 's name put on the mortgage and was denied again due to not meeting the govt percentage requirement. XXXX told me that I can not add his name without refinancing and we would be denied for that. 
Yes, we were stupid like so many others. We are hanging on and I am afraid to even contact Bank of America for fear that they will want me to give back a percentage of the 2nd mortgage. We have no savings, living week to week so there 's no possible way we could handle that. My office is in my home so even if I was to downsize my home, I would have to lease office space so I ca n't win. 
2 years ago, I had to file Chapter XXXX bankruptcy for myself because of the loss of income. The attorney at that time was not a mortgage attorney but felt that there has been some questionable activities in loaning us money. I can not afford to hire another attorney to investigate especially when XXXX XXXX says there is nothing that can be modified. 
Is there?
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 have no recollection of this collection. NCA. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. 

NCA
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.