23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had some financial troubles back in XX/XX/XXXX. I called our mortgage company and they allowed me to enter a repayment plan so that we could get back on track financially. We signed a repayment plan outlining the repayment terms. The repayment plan was outlined as follows : No payment in XX/XX/XXXX ; regular payment of {$2100.00} due XX/XX/XXXX ; {$3000.00} due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All payments were made according to the plan. In XX/XX/XXXX, my wife called to make our normal payment ( {$2100.00} ) and was told another payment of {$3000.00} was needed to make our loan current, which I do n't believe is correct. The only reason she paid the incorrect amount is because XXXX was adamant this is what was due to make the loan current. Nowhere in the payment plan I signed did it mention another increased payment for XXXX. I was told by the mortgage company that we paid a total of around {$680.00} in fees for the repayment plan. When I do the math, we paid about {$1200.00} in fees due to the XXXX payment not going back to our normal mortgage amount. Either the repayment plan was misleading or the mortgage company was mistaken in taking the amount they did for the XXXX payment. Either way I have a big issue with the way this was handled. I have called and talked to a couple different people and they can not explain the discrepancy, only " that was the amount due to make you current. '' with no explanation of why the repayment plan did not outline anything for 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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 1937, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, 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 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: Credit reporting or other personal consumer reports

I looked at my report XXXX of XXXX and noticed some things are incomplete and not accurate. According to 15 USC 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the individual about whom the report relates. I ask for a reinvestigation of these accounts listed below, XX/XX/XXXX XXXX XXXX XXXX # XXXX is a charge off account, The IRS said a cancellation of debt over {$600.00} is considered income and income CAN NOT be reported on my report. Also this is reporting every month as a charge off, and this account was closed XX/XX/XXXX way before it was in charged off. XXXX XXXX XXXX  # XXXX account was paid and closed, there are several in accuracies there as well. I got the investigation back but noticed nothing was modified or updated, I requested a description of the investigation and they did not provide it to me which violates 15 USC 1681 i ( 7 ). I asked for the method of validation i.e, certified receipt with my signature, phone conversation, or email giving me proper notification of debt. Also the certification of authenticity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that 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
Product: Credit card

In XX/XX/XXXX, I was approached by some individuals from an agency called " XXXX XXXX '' who promised to help me prepare an Application for my Student Loan Debt Forgiveness for a fee equal to XXXX XXXX of the total debt that I owe. That came out to be {$890.00}. I used my Discover card to pay for the services. Later, I discovered that it was a scam/fraud. I reported the matter to Discover card and later to the XXXX XXXX Police Department, ND in XX/XX/XXXX. Discover card refused to listen and honor my complaint. 
I contacted my attorney who wrote them telling Discover that I should be relieved of the responsibility of that charge. But they refused. My lawyer advised me to approached CFPB with my concers and complaint against Discover. 
Attached along with this is my communications between Discover card and me, my lawyer for your records and review. 
I will appreciate your prompt intervention in this matter. 
Sincerely XXXX XXXX
Product: Debt collection

Afni collection agency has sent me a debt collection letter, saying i owe money to sprint. I have never been a customer of sprint nor have i ever lived in the places they are saying i had debt. i have read many complaints about this company doing this illegally. Afni just sent me what is suppose to be verification but it has no information about me except my name and current address.
Product: Credit reporting or other personal consumer reports

XXXX has failed to provide their method of verification. Also they are reporting inaccurate information on my credit report. I show them proof of the inaccurate information and the still fail to remove it. The have the date account opened wrong. Balance amounts wrong also balance history wrong on the Tennessee XXXX XXXX account. This account is inaccurate and I demand the account removed due to XXXX failing to verify negative information.
Product: Money transfer, virtual currency, or money service

On the first of XXXX, I send my partner in the XXXX {$2000.00} to cover rent on our flat from our joint debit card to be delivered to his debit card. They advertised this as " completed in minutes '', and specified in the fine print that this could take 4 days, unless the fault of the receiving bank or force majeure. They also say that for debit card transfers, business days include weekends and holidays. 
The money still hasn't been received as of XXXX XXXX. The representatives I talked to said there wasn't a fraud flag, that there wasn't an issue with the receiving bank, and that there wasn't force majeure. They have taken the money from our account. 
The only help they offered was to file a complaint which would take 90 days. Under the law they have 15 days, so this is six times longer than legally allowed. They have made us late on our rent, and are exceeding the agreed delivery time significantly without any of the justifications spelled out in the contract.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my credit report and never applied for this credit card. This information is incorrect and was not me that applied for it.
Product: Credit reporting or other personal consumer reports

I spoke with Experian verified my identity through many??? S and my PIN number was changed by an insider My credit report included a fragment report attached to my file by Experian it is on no other transcripts except Experian and it stated to not extend credit to me unless you call the number that was ported Illegally from me in XXXX I have filed numerous reports via online etc saying this is not my true phone number and I never made this personal statement I dont even speak that way Today XX/XX/XXXX Experian finally after three years of complaining amended my personal statement Now it saysI am working w creditors like I am a poor risk client which is simply untrue I just was approved today for XXXX XXXX XX/XX/XXXX I have paid all my debt and every false fraud charge and was conned out of XXXX dollars XXXX and my credit score still remains at XXXX. 

The personal statement attached to my file which will remain on it for a year or longer depending how long Experian feel on hurting me more and longer summary I am working with creditors and trying to bring up my score which is not true I pay my credit cards twice a month and have had one late payment in the last XXXX XXXX years Plz see attached personal statement added by Experian today XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has caused unknown and inaccurate accounts to appear. As a victim of identity theft, my information was used fraudulently, leading to items on my credit report that I have no connection to. Following instructions from Experian, I filed a report with the FTC and submitted it ; however, these fraudulent items still remain on my report.
Product: Debt collection

I was notified by mail multiple times by Portfolio Recovery Associates, LLC of an alleged debt. To which I found multiple violations pursuant to 15 USC 1692 ( Fair Debt Collection Practices Act ). I then mailed them an Affidavit, Bill of Particulars ( Invoice ), and Cease and Desist notices on XX/XX/XXXX which they received on XX/XX/XXXX and had 10 business day to respond to. They then proceeded to respond by sending me a statement in the mail which I received on XX/XX/XXXX but dated XX/XX/XXXX after failing to respond to my affidavit defaulting and disregarding my Cease and Desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am divorced and work two jobs. I am working very hard on my credit. The other credit companies are right on target. Equifax has some crazy way. I get something removed from my credit and they drop my points 20-30 points. It makes no since, and trying to resolve it is not working. This is a misuse of power, that is effecting my life!
Product: Credit card or prepaid card

I signed up for an Amex Credit card that was supposed to award me XXXX XXXX XXXX miles after spending at least {$300000.00} and {$100.00} statement credit after the first purchase with XXXX Airlines. 

My first purchase with this credit card ( on XXXX XXXX, XXXX ) was two XXXX air tickets, but I 've not received my {$100.00} statement credit yet. 

Furthermore, I reached the {$3000.00} minimum purchase threshold on XXXX XXXX, XXXX XXXX more than XXXX weeks ago ) and, similarly, I have not received my XXXX XXXX Skymiles miles yet. 

According to the terms of service, the {$100.00} statement credit should have been posted XXXX weeks after the XXXX purchase and the XXXX Skymiles miles should have been posted XXXX weeks after hitting the {$3000.00} spending threshold. This was confirmed by a chat I had with Amex XXXX on XXXX XXXX XXXX ). There have been more than XXXX weeks I did the first XXXX purchase and more than XXXX weeks I hit the {$3000.00} spending threshold. 

I have already contacted Amex several times by chat and every time they asked me to wait ( this week, the last time I talked to them, they said there was a glitch on the system and that I should get my miles soon ). 

This has been extremely inconvenient. I was planning to use the miles in a trip I will take soon and Amex is messing up with my plans. 

I am attaching the XXXX statement ( where you can see that my first purchase was a XXXX purchase ) and the XXXX statement ( as you can see, I reached the minimum {$3000.00} purchase by XXXX XXXX XXXX. Also, I am attaching screenshots of a chat I had with Amex in XXXX XXXX ( where they confirmed that the deadline for the {$100.00} statement credit is 8-12 weeks and the deadline for getting the miles is XXXX-8 weeks )
Product: Credit reporting or other personal consumer reports

I recently applied for a car loan and was denied and i realize that i had accounts that was open NOT BE ME I called the companies and explain that i had no acknowledgement of such debt that they claimed I owe i asked for method of verification with my wet signature In blue ink none of these company could provide that information Please be aware that all negative remarks found on my credit report is a violation of ther FCRA and FDCRA when you can not furnish the validity of the remarks Please i ask XXXX AND XXXX AND XXXX to please remove from my consumer report with in 5 business days XXXX XXXX  Pro collect Credit bureau Credit management These company willing know that I asked for my signature and couldn't provide
Product: Credit card

XX/XX/XXXX I called Wells Fargo about the {$3800.00} interest charges on XX/XX/XXXX. I advised the reps that I was never told about deferred interest rates and all the verbiage I received was positioned as 12 months interest free intro APR. Like all other lines of credit, I expected standard intro APR terms in line with any other financial product with similar promos. Turns out, the product is deferred-interest, something I have not heard of before and never was informed of at the time of application. I have other ways to pay that off in full to avoid the interest if I had been better informed. They expressed that the interest is available on all statements, including which is true but not any less deceptive. Having a jewelry employee explain financial products to me is a problem and caused me to be deceived. I asked to work with me and waive the interest so I could pay off the other balance but Wells Fargo was unwilling to assist me. They sent an escalation form out and I am supposed to hear back in 2 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.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.

15U.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 belielve that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXXXXXX Balance : {$280000.00}
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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: Money transfer, virtual currency, or money service

I am writing to formally demand immediate resolution regarding my international wire transfer initiated from my Wells Fargo account on XX/XX/year>, to my personal account in XXXX XXXX. As previously communicated in Complaint No. XXXX, the transfer was expected to be completed by XX/XX/year>, yet the funds have neither reached my account nor been refunded. 

Despite numerous follow-ups with Wells Fargo , including multiple phone calls and a trace request, no meaningful progress has been made. This ongoing delay is unacceptable, and the lack of transparency has caused me significant financial inconvenience. 

Given the banks failure to resolve this matter within a reasonable timeframe, I demand the following actions : 1. Immediate credit of the full amount of the wire transfer to my intended foreign account or a full refund to my Wells Fargo account.

2. A detailed written explanation regarding the cause of the delay and why the funds have not yet been processed or returned.

3. A commitment to resolving this matter without further delay, including compensation for any financial losses or inconveniences incurred due to Wells Fargos negligence.

If this issue is not resolved within seven ( 7 ) business days from the date of this letter, I will have no choice but to escalate the matter further, including relevant regulatory authorities. Additionally, I will explore all legal avenues available to recover my funds.

I urge you to take immediate corrective action and restore my confidence in Wells Fargos ability to handle international banking transactions. I expect a prompt written response outlining the resolution of this matter.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

In early XXXX I received a letter from my Mortgage Service provider, XXXX XXXX, that my loan would no longer be serviced by them and would be serviced by a company named RoundPoint Mortgage. This was the third such change in providers since I refinanced the loan just a year earlier. How many times can a loan change service providers in a year? It's ridiculous. Even more problematic, was that I never received a notice from the new mortgage provider by mail. 

I did on XX/XX/XXXX, the day before my mortgage payment was due receive an email ( not US Mail ) from RoundPoint informing me that my loan number had changed and that once your loan has fully transferred on XX/XX/XXXX I needed to complete three actions to make the transfer as seamless as possible. Why, though, am I, the customer being asked to take actions, when all they need to do is sent me a paper notice telling me what I owe and who to send it to? Instead, I was forced to create an online account to figure out how much I owed and when. 

Two months passed with no paper invoice received from RoundPoint. I had to log in to know what amount was owed. The user experience is terrible, and it took me days to figure out how to actually see a copy of the invoice in PDF. What I discovered troubled me. The address listed on file was an old address I haven't lived at for over a year. How could they not have the correct address that my former loan servicer XXXX XXXX had on file? It's almost as if they were hoping I'd never get the bill so they could charge late fees and better yet for them, forclose on my property and make a XXXX XXXX XXXX in profit from a short sale. 

I feel RoundPoint is putting a huge burden on customers to figure out how to pay and stay current on their bill and maybe even purposely sending mortgage bills to the wrong address in the hopes of profiting from them. I sent an email of complaint to RoundPoint a week ago, asked them to update my address on file and send me a proper paper bill. All I've received in return are two form emails back that haven't answered my request. I suspect thousands of other customers are having issues with Round Point. I'd like to have by loan serviced by XXXX XXXX again, or another loan servicer who actually knows how to treat customers.
Product: Credit card or prepaid card

I was using my Wayfair card for many years, linked with Comenity Bank, and made purchases and payments electronically. In the midst of covid and selling our home and moving, Wayfair changed their bank to XXXX. On XX/XX/XXXX, I made an electronic payment to Wayfair ( Comenity ) of {$3000.00}. I closed my Wayfair ( Comenity ) account and opened a Wayfair XXXX XXXX XXXX account. I called XXXX and asked why I was not credited the XX/XX/XXXX payment. After I provided a copy of the XXXX XXXX XXXX XXXX, XXXX issued the credit. XXXX 's own Account XXXX, Closing Date XX/XX/XXXX, reflected the XXXX payment. Now, after all the money I have spent at Wayfair for our new home, my customer loyalty means nothing as the current Statement from Wayfair ( XXXX XXXX, closing date XX/XX/XXXX, has a balance of {$4000.00}. It isn't so. 
My Husband is XXXX and I am XXXX so the stress of this back and forth is not helpful. Thank you for helping.
Product: Checking or savings account

The dates start back from XXXX XXXX through the end of that month of this year when I notice the unauthorized charges. I kindly showed documents and proofs about the amount and they just straight denied me without any warnings or any investigation. They didnt even take the time out to investigate. Over {$190.00} was taken and stolen from my account. And they aint help me resolve this issue. In regards, me and my lawyer reaching out for a solution to this matter. Im a model and a video creator I have a business those funds is for my business to help me renew and expand and get everything I need for inventory, its outrageous. Im begging for any support to please help me retrieve my funds.