23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account XXXX XXXX XXXX XXXX XXXX, XXXX OF XXXX, XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX, XXXX OF XXXX, XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2023, I was scammed out of {$1100.00} through XXXX. I was asked to send {$900.00} for a car deposit and {$220.00} for the delivery of the car. On the date the car was suppose to be delivered the user asked for additional funds, which I refused to send. Instead, I was given an address to come pickup the vehicle instead. Shortly afterwards, I was blocked from all forms of communication with this individual. Immediately, I contacted Chime Financial , Inc. to dispute this transaction. They notified me the length of time it would take for them to complete their investigation. Shortly, after completing the dispute over the phone, I received an email stating no error had occurred. The amount of disbelief I felt was unimaginable and clearly is an ongoing problems for scams. This is the same company who is insured by the FDIC, but chooses to not obtained my funds back. Below I have attached everything that was sent to Chime.
Product: Mortgage

I received a letter from XXXX XXXX XXXX XXXX XXXX, alerting me that I have property to claim in the amount of {$4100.00} under TR04 Escrow Accounts. The servicer that has the property is : Dovenmuehle Mortgage , Inc . 
Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Dovenmuehle on XX/XX/XXXX to claim my property and they assured me the check will reach me within 60-days time. I called again today on XX/XX/XXXX and they still don't have a resolution.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 I received an email that states that my application was approved then a following email stating that my application was denied based on bank account activity. I never authorized an application or an hard inquiry on my credit report. I have a fraud alert in my credit that request that lenders contact me to verify my identity and information before proceeding to open any credit. That never happened. Also, I looked on their website, and it says that checking eligibility doesnt affect FICO score, giving consumers the impression that there is no hard inquiry. So something is very dishonest and non transparent with Net credit. I called the company and did not receive any information XXXX inquired how this happened. I spoke to an agent named XXXX on XX/XX/23
Product: Payday loan, title loan, or personal loan

Received a call on my phone on XX/XX/XXXX, saying that I owed money from a loan that was granted to me XXXX, XXXX. The caller XXXX XXXX stayed her records showed that I received a loan from first financiaXXXX. I told her I have no recollection of this. And requested her to give me the the name of the company and it information. She gave me an address, I lived at 9 years ago. Then stated I gave my Banking information for electronic draft and there was insufficient funds. I asked for a copy of the transactions but was told that it was passed the collection period and in the hands of the Attorney and if I didnt pay {$1500.00} dollars I will be reported to the state for check fraud. After I told her I can not recalled this and wanted to get verification that someone didnt use my personal information. She gave me my full social security and the last 4 number of the checking account, I allegedly gave. But still was not able to tell me what company issued the loan. I went to my bank they informed me that checking account was closed in XXXX. According to the caller I obtained this loan in XXXX and they couldnt collect the money due to insufficient funds. They also gave me my husband name and said I used him as a reference. I told her I can not remember any such transaction, but I owed money that wasnt collected I would pay after clarifying the information. She said she will give me one more day to come up with the money. This person had all my personal and banking information. I believe this is a scam because she went from XXXX to XXXX. She was calling from XXXX and she stated she works for XXXX XXXX XXXX in XXXX XXXX and the firm was representing their client first Financial.
Product: Mortgage

I have contacted Wells Fargo Bank about the Mortgage Wrongful Foreclosure CFPB has order to pay for their improper denial of mortgage loan modification they did in the past. 

I am submitting this complaint, because I have contact them many times to inquire in reference to the amount they should pay me under the order of CFPB, they only took my name and cell phone number, and have decline to let me know when they will process my refund, and have not contacted me at all. 

I tried for almost 2 years to request a mortgage loan modification, and I ended hiring an office to help me take care of the modification, but Wells Fargo bank did not help in any way. They sold the property, when they even agreed that they would help.

I want to request the aid of CFPB to have the Wells Fargo Bank issue a check to pay me off for the improperly denied mortgage loan modification, ilegal foreclosure and sale in a public auction on XX/XX/2018.
Product: Student loan

I borrowed approximately {$20000.00}, consolidating small loans into one loan in XXXX. Over the years I have paid approximately $ 16,000+ towards this loan. Navient. Need I say more? Despite repeatedly asking over the past 20ish years if I had any other alternative regarding payments, Navient always replied that my only option was a forebearance or pay the past due amount in full. AT NO TIME did they offer me income based repayment. They did this intentionally as they make MUCH more money via forebearances. Had they done so, the loan would be paid off by now. As it stands today, they have my balance at over {$44000.00}. Seriously???? My loans originated in XXXX, but I have lived in XXXX since XXXX. I have filed a complaint with Sen. XXXX XXXX and asked him to intercede, but not sure how much that will help. Navient is now in the process of confirming my employment, etc., which, my being a XXXXXXXX, I know means they are preparing to sue me. This will be patently unfair and highly injurious to me. I do not believe I should have to pay through the teeth for Navient 's ongoing lying, cheating and stealing. I would like to join any lawsuit available, ESPECIALLY filed by the CPFB. Please advise on how I can stop this ongoing harassment and have my loan recalculated from the first time I was given a forebearance and should have been offered income based repayment. Once this is done, I believe they will actually owe me money, as their payment records ( which despite years of requesting, only recently received from the Feds ) show that I have paid nearly the amount borrowed, and my income has never been high. Further, my primary income has been from XXXX for the last 19 years, and very low at that. Thank you very much for your assistance. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally filing a complaint for the following account listed on my credit reports for the following reasons : 1. XXXX XXXX a. Acct # : XXXX b. Last reported : XX/XX/22 There are several issues concerning these accounts that make them fraudulent and/or illegal. The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found unverifiable, and inaccurate items that were reported that were not 100 % correct. 

As you know it is agaisnt the law to report any information not proven accurate. 
In accordance with the fair credit report acting, everything has to be 100 % accurate on my credit report and under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX  ) these accounts are in violation of not reporting 100 % accurate.
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 Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.my identity has BEEN COMPROMISED AND THIS INFORMATION ON MY REPORT IS VERY INCORRECT. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$5700.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX   XXXX XXXX {$460.00} XXXX XXXX {$11000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed notices to all CRAs to cease reporting transactions and experiences with several accounts listed on my credit report. They all claimed to investigate the matter. XXXX has yet to respond that they are investigating the matter which has been over 30 days as required by law that they have 30 days to respond they failed to do so. XXXX has updated my report with the results of removal of my XXXX XXXX accounts as they should. The other bureaus transunion and XXXX are still reporting an account which they should be in compliance with XXXX. XXXX XXXX, XXXX and XXXX needs to follow suit with ceasing my transactions which is a violation of FCRA and privacy.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I paid off all my debts to vibe credit union which the letter is attached, but this information is being reported to Transunion incorrectly. Month after the month the balance is reflected disappears and then reflected again as if I have not paid this off. This is only happening with Transunion. Due to this its causing issues on my credit report. Due to this I am asking it permanently be removed off my credit report as this is false information.
Product: Credit reporting or other personal consumer reports

In accordance with the fire credit reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security finance I've called these places and tried to get account numbers but couldn't get anywhere. 

15. U s.c. 1691 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 consent or instructions. 

15 u.s.c. 1681 a ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information in any adverse item of information, other than records of convictions of crime which atedces the report by more than 7 years.

U.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person knows of his responsible cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past Spring of XXXX I began the process of applying for a mortgage to buy my first home at the completion of my extensive years-long XXXXXXXX XXXX. Upon applying for the XXXX mortgage, I was denied due to my inadequate credit score of XXXX, failing to meet the minimum of XXXX. This also precluded me from qualifying for a conventional mortgage due to my credit history. The only derogatory account on my credit report dated back to a XXXX  XXXX XXXX credit card ( with a limit of only {$5000.00} ) that I opened in XXXX XXXX to pay for travel in XXXX related to applying to and interviewing for XXXX, a mandatory XXXX training requirement. The card was slated to expire on its own in XX/XX/XXXX and was paid off in full by XX/XX/XXXX with the balance reaching {$0.00}, having never missed or delayed a payment. Evidently, an annual fee of {$25.00} was charged to the account in XXXX or XXXXXX/XX/XXXXXXXX and I overlooked this, given that the account was paid off, no longer in use, and set to expire in the coming months, and thus no longer on my radar. Unfortunately, I did not recognize this oversight until XX/XX/XXXX when I received notice the credit balance had been reduced on the card due to my failure to pay the pending balance of {$56.00} ( after additional late fees were charged ). I paid off the balance immediately and closed the account as quickly as I could that same month. 

When I applied for a mortgage in May of this year, this months-long failure to pay remained on my credit history ( despite being more than 48 months old ) and significantly impacted my credit and ability to qualify for the much more competitive rates of the physician mortgage. More egregiously, when I called XXXX  XXXX XXXX to address and clear this history, I was told by multiple people at multiple levels of their ranks that there was no record of my ever having an account with them and was told there was nothing they could do to correct this issue. I have since had to submit petitions with the credit agencies outlining all of the above in an effort to correct my credit history. This behavior on the part of XXXX  XXXX XXXX has significantly impacted my credit standing and the lending options I had available in purchasing a home. Given the significant difference in interest rates between the physician mortgage I was pursuing and the mortgage I ultimately qualified for, this may well cost me multiple tens of thousands if not hundreds of thousands of dollars over the lifespan of the mortgage, all due to a lingering unpaid fee of {$25.00} that arguably should not have been charged to the credit card account in the twilight of the card 's existence. In addition, XXXX  XXXX XXXX 's failure to correct the issue with the credit bureaus or rescind the derogatory account after 48 months is unacceptable and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX XXXX and Experian are showing different and incorrect information on my credit reports. 

Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX shows that the XXXX account is PAST DUE and has a balance of {$5.00}. This is not correct. The account was paid in full XXXX of XXXX. I am not PAST DUE {$5.00}. 

Experian shows that the XXXX XXXXXXXX XXXX  Account is PAID with the last payment date is XX/XX/XXXX. However, Experian also shows that I missed a payment in XX/XX/XXXX. This is not accurate. I paid the account in full and XXXX sent me a refund check because I overpaid it. 

The account was paid in full and both of these credit agencies are reporting inaccurate date which is hurting my credit. 

I asked them to investigate and both came back as validated and updated. This is incorrect.
Product: Credit card

Capital One has a process to upload documents online in order to complete a credit card application. But Capital One has discriminated against me by not allowing me to use this online " upload '' option that they have made available to millions of other applicants both before and after me. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have a pending credit card application ( Application ID # XXXX ) with Capital One, I have sent my additional documents to them several times for them to complete my application but they claim they are not receiving them. I have recently sent my documents for a fourth time, but I was smart enough to get proof this time- XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

PT. XXXX XXXX XXXX ( XXXX XXXX ) always buy device and payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX ) and they have bank account at XXXX XXXX XXXX XXXX. 

With issue audit and cash flow, hecker sent notice letter by email to PT. XXXX XXXX XXXX via email XXXX to arrange payment to new account bank XXXX XXXX XXXX Chase Bank XXXX XXXX 

PT. XXXX XXXX have transfer to Chase Bank Texas - XXXX with detail : XXXX XX/XX/2022 - EURO. XXXX XXXX XX/XX/2022 - EURO. XXXX At XXXX XX/XX/2022, the hecker info that they not receive the payment with amount EURO. XXXX. After we cross XXXX  again with XXXX XXXX XXXX XXXX XXXX info never have Account in Chase Bank XXXX XXXX and after that we realize have been fraud by hecker. 

We already report to our bank in XXXX to cancell the transfer, but until now there is no feedback from Chase Bank, the fund never refund or back to account PT. XXXX XXXX. 
Please help for investigation and catch the fraud and refund our money. Thank you
Product: Checking or savings account

I am filing this complaint to formally dispute the negative balance of {$28.00} on my Navy Federal Credit Union account.

On XX/XX/XXXX my account was overdrawn by {$28.00}. According to Navy Federal, this was caused by a returned check in the amount of {$28.00}. However, I have not used my account recently, and I am unaware of any checks being issued or returned during this period.

I believe this charge is an error because : 1. I have not written or authorized a check for {$28.00}.

2. There is no record of this transaction in my account activity.

I request that Navy Federal : 1. Provide a detailed explanation of this charge, including documentation of the returned check and proof that it was issued from my account.

2. Remove the negative balance and any associated fees if this charge is found to be incorrect.

Please investigate this matter promptly and provide a resolution. I appreciate your attention to this issue and look forward to hearing back from you within the standard timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted XXXX about an inaccurate account that's reporting on my credit file. After several attempts of trying to find out who they verified this information from, they finally told me they verified the bankruptcy that's reporting on my account with Lexis Nexis. I called Lexis Nexis to see if XXXX had reached out to them about a dispute and they said that XXXX did not reach out to them at all to inquire about my credit file. They also confirmed that I do not have a bankruptcy reporting on both of my credit files with them. Lexis Nexis said they would send out my new credit file to XXXX so that they can update my credit file and remove the bankruptcy. They also said that XXXX shares a database system with them so XXXX can update their files, but often times they do not. I called XXXX on XX/XX/2022 to explain this to them and they said that LexisNexis has to send them an electronic file so they can update my credit file. LexisNexis told me that they sent out my dispute and new credit file in XX/XX/2022 to XXXX and XXXX has received it, but has yet to respond to it. This is completely detrimental to my livelihood. I have an account thats reporting inaccurately on my credit report and I have proof thats its inaccurate and XXXX will not remove it. This is unfair and a violation of my consumer rights according to the FCRA. I have shown verifiable proof that this account is inaccurate and XXXX is ignoring the proof and they are not doing a proper investigation.
Product: Credit card or prepaid card

Hi I initiated a balance transfer from my HSBC credit card on XX/XX/XXXX for {$4500.00}, with the intent of transferring the money to another card of mine with XXXX XXXX. It is not XX/XX/XXXX. 

The {$4500.00} balance has yet to show up on the XXXX XXXX card. My complaint is twofold : 1. I  have repeatedly called HSBC for clarity and received no response. I have a Premier Relationship Manager who has not helped. I see this as my only alternative. 
2. I am being charged interest on my HSBC credit card for the balance transfer, but am not receiving the interest reduction on my XXXX. With no clarity on when the transfer will occur ( i have been told multiple time frames ), I do not know when I will get the benefit on my XXXX. Delay in applying the balance transfer is a misrepresentation and dishonest ( and hopefully illegal ). 

Thanks XXXX