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

ON XX/XX/2020, MY UI USBANK RELIA CARD WAS REJECTING PURCHASES AND WAS NOT WORKING. I HAVE ATTEMPTED SINCE THIS DAY TO CALL CUSTOMER SERVICE, GO ONTO THEIR WEBSITE AND MOBILE APP. FOR 6 DAYS, I HAVE YET TO GET THROUGH TO ALL CUSTOMER SERVICE PHONE NUMBERS, THE WEBSITE AND MOBILE APP IS NOT WORKING CORRECTLY, CONTINUOUSLY STATING YOUR PASSWORDS, SECURITY QUESTION ANSWERS ARE INCORRECT, ALONG WITH MY CARD NUMBER, WHICH ALL HAVE BEEN ENTERED CORRECTLY. IVE BEEN LOCKED OUT, ALONG WITH FRAUD TAKING PLACE ON MY ACCOU NT AND I CANTY EVEN REPORT IT. I CAN NOT ACCESS MY AVAILABLE FUNDS, FOR SIX DAYS. I HAVE TRIED EVERY WAY POSSIBLE TO CONTACT SOMEONE. US BANK SAYS THEY ARE NOT AFFILIATED. THOUSANDS OF PEOPLE ARE HAVING THE SAME ISSUES. NO ONE IS ANSERING THE PHONES. ON HOLD FOR HOURS THEN GET DISCONNECTED. ITS INSANE PLEASE HELP
Product: Credit card

I receive online electronic bills from Comenity on behalf of Talbots. The bill states the total amount due and the minimum amount due - the amounts are always the same amount. HOWEVER, the actual balance due is not that amount! Comenity ( and possibly Talbots ) hopes I'll pay the lesser amount and incur interest at a usurious rate.
Product: Mortgage

We have requested a pay-off for the loan over 2 weeks ago. This company will not tell us what it is and keeps stringing us along. We also faxed in the buyers order for the sale of the property 3 times. They just wont tell us the payoff! As of today our close date is 10 days away XX/XX/20. We need help from you!
Product: Money transfer, virtual currency, or money service

My account was closed and I was not given any information regarding anything when I tried to reach out to the customer service it was a robot and I couldnt speak to a live representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have files several disputes with XXXX, Equifax, XXXX, and XXXX, about inaccurate information on my credit report. The first time XXXX was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, XXXX started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, XXXX, Equifax and XXXX reported the same inaccurate information. We tried to fix the problem by calling XXXX to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.
Product: Mortgage

Thank you in advance for your attention in resolving unfair practices with Selected Portfolio Servicing. As of today XX/XX/2021, I have been denied a forbearance or a reasonable loan modification. SPS is not being helpful during the Covid 19 crisis. I asked for a forbearance and instead they offered a modification with a 3 month trial period. Not knowing what they were going to come back with till after a 3 month trial period. I was shocked to see the unreasonable & unheard proposed terms. It sounds like a major rip off. They have to stop ripping us off. I used to work in mortgage lending and currently a Notary Signing Agent and I do not see these types of terms they want us to agree to! 

This is a second loan. 
6 months unpaid mortgage payments equal to a total of {$3500.00} with fees which I still need to review but it is less then $ XXXX. XXXX Months of XXXX ) Modification trial periodXXXX Paid {$360.00} each month and on XXXXas well. 

Proposed Modification received XX/XX/2021 New payment {$360.00} which may adjust. 
New Maturity date XXXX, will add 14 years. Current Maturity date XXXX. 
Final ballon payment on the interest bearing principal balance of {$34000.00} is due on the XXXX Date. Yes XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Amortization Term XXXX, XXXX XXXX XXXX, XXXX. Basically 40 years. 

We owe less than $ 5k and they want to charge over $ 50k. Includes the ballon payment and the difference in the new maturity date. Sounds like a rip off to me! 

We have no problem keeping the same monthly amount of {$580.00} & extending the term by 6 months or even 1 year like we did with our 1st mortgage with no problem. If they want to call it a Forbearance or a Modification it's ok. What's not ok, they tell us it is their investors choice. They don't disclose who the investor is and we have the right to know this as well. 

Hope you are able to help us and other upcoming customers with the same issue. I have been reading reviews on Yelp and XXXX  and they are being referred to CFPB. Thank you for your assistance. 

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

I never use my social to apply for anything, yet I have an account that has went to collections showing on my credit report. It is showing as an open account open since XX/XX/2021. This account is NOT MINE.
Product: Credit reporting or other personal consumer reports

Good morning I'm presenting a complaint of the following companies. 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 XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to 15 USC-1681 ( E ) ( B ). 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter from Diversified Consultants, Inc trying to collect on a debt that was discharged in bankruptcy under case # XXXX. I have called XXXX and they said that they saw that the debt was included in my Bankruptcy.
Product: Money transfer, virtual currency, or money service

I have a Coinbase account to purchase crypto currency. Coinbase has a tab called Learn and Earn that you use to receive money from crypto currencies to promote their currency. Coinbase added a promotion to advertise their Coinbase wallet. After going through the process of learning about what it was and setting it up I sent {$100.00} of my position in XXXX to it to see how it worked and if it was something I'd like to do. Upon sending the transfer I looked into the transaction and I was charged {$10.00} for that transaction without notification. Once the funds were in the wallet I looked into purchasing other crypto with it and it told me I would have a fee of around {$40.00} in XXXX to be able to do that transaction. I thought that was ridiculous and no longer wanted to participate in something that had such ridiculous fees so I tried to send the money back to my account at Coinbase, the same fee applied. Not only was the fee ridiculous but I was required to pay that fee in XXXX  ( XXXX  ) coins, which means I would have to spend that {$40.00} transaction fee to purchase {$40.00} in XXXX so I could pay another {$40.00} to move my money back to the account I was just in. You see how absurd this is. I have since found out I can lower fees by timing when I do it but lowest fees I have seen are {$25.00} or so. None of these enormous fees were disclosed by Coinbase. I don't expect to get all my money back but Coinbase should be made to disclose how bad these fees are before you are trapped into to just giving away your money.
Product: Debt collection

This debt collector is harassing me at my place of employment. They asked for the owner and told them that they needed to know what the protocol is to serve one of their employees with court papers. They told my boss that it was an emergency that I called back within the hour, saying it was a legal matter. I was pulled away from a client at work to call these people back. I called them, and they would not explain to me who they were and what the matter was shot and kept putting me on hold. I finally got upset and told them that I stepped away from a client and they need to tell me what they want from me and who they are. The last told me to go back to my client then and call later. I said NO, I 'm on the phone now, now tell me what you want? Then she said " I 'll tell you what I want '' and hung up on me. My boss called them back to see what was going on and they preceded to tell her that they needed to talk to me. I got on the phone and they claimed I owed a debt from a credit card that was opened from XXXX. I told them it 's not mine and they kept insisting it WAS and that I was going you be sued and my papers ares on their lawyers desk.. I told them I 'll get to the bottom of it and check my credit report to see if It was some mistake. I hung up with them, then they called my cell phone the next day leaving me a voice message that if I do n't take care of this matter today, that they will be taking further action. This is a scam I believe and I 'm sure the statue of limitations had also been passed. They were very nasty on the phone.
Product: Credit reporting or other personal consumer reports

The company known as XXXX  used my personal information incorrectly and shared my information with other companies without my consent and also shared false information
Product: Bank account or service

On XXXX XXXX, 2017 I went into a Navy Federal branch on XXXX XXXX in XXXX, VA. I requested a cashier 's check for my landlord in the amount of {$730.00}. The cashier who did my transaction spelled the name wrong on the check and he then proceeded to cash another check from my checking account with the right name. He voided a check and gave me the other one in my hand. I went home to take it to my landlord only to find he voided the correct check and still ended up giving me the bad one. I called Navy Federal on the phone and asked them what to do. They said since the check might be voided to just go back to the branch and get another one. I went back there on XXXX XXXX, 2017. I explained what happened to another cashier as the first one was n't working that day. She then had her supervisor issue a credit to my account so they could give me a check with the proper spelling on it. I was able to give that check to my landlord. Then on XXXX XXXX, 2017 I saw there was a credit placed on my account for {$730.00}. I went into the branch on XXXX XXXX, 2017 and asked a teller in that same branch ( Teller ID : XXXX ) if the credit was correct because I had an issue with my account the previous month and I know that there were funds taken out initially that it did n't show were out back. She assured me that it was because they were correcting the error on the account. I also called into Navy Federal member services rep and had a representative investigate further just to be sure and they also confirmed the same thing. Now on XXXX XXXX, 2017 I access my account to find they 've debited my account for {$730.00}. When I called in and asked about the debit, the member services rep said she reached out to their cash applications team and she specifically said they made a mistake in crediting my account for the funds because they do n't show that they ever removed the funds from my account surfing the first transaction. I asked her how is it my fault that the bank made a mistake and now I have to pay for it. I was essentially told that even though they made a mistake, I still have to pay for their mistake and that they are n't going to own up to it. This is unfair and unjust treatment from a banking institution that is just expecting a consumer to pay them money based on the fact that they made a mistake. Even when the customer calls and goes up in person to ask about the validity of the credit and is told that it is valid.
Product: Credit reporting or other personal consumer reports

Credit inquiries that i did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have my payment made with an in-store credit card amounting to {$79.00} on XX/XX/XXXX with a balance of {$370.00}, My payment doesnt reflect vis-a-vis in store credit because when i inquire my balance yesterday XX/XX/24, it remains the same at $ XXXX think this is not the first time.i have with me all the receipts.if they have done this to me, they might be doing this to others because its a big store with branches in all US states.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a communication to Equifax to investigate inaccurate items on my consumer report. 

It has been over 30 days and I have not received any response from Equifax regarding the investigation. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been over 30 days so they should be deleted promptly. 

Please see the attachment for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax and XXXX multiple times since XX/XX/2022 to validate and remove inaccurate information on my credit report regarding a XXXX XXXX XXXX collection account number XXXX. I have sent multiple letters requesting deletion of this inaccurate information and XXXX, Equifax and XXXX have failed to respond or validate this debt in violation of FCRA. This inaccurate collections account is severely affecting my credit report and causing great financial harm. 

Please have this account deleted from my XXXX account.
Product: Checking or savings account

Beginning in XXXX, my wife and I noticed multiple fraudulent charges on our checking account from multiple debit card transactions. We immediately reported them to our institution, USAA, and began the process of recovering the funds. Provisional credits were given to us, however all but one transaction was then taken back by USAA who claimed they were all legitimate transactions and offered no rationale for the findings. The sum total of this series of fraud was {$89.00}. Only XXXX transaction refund was maintained for {$2.00}. 

Later in XXXX we noted that there were XXXX fraudulent checks that cleared our account totaling {$370.00}. As soon as we saw them, we again contacted USAA to report the fraud. Also, seeing their fraud team 's inability to conduct a thorough investigation, we immediately uploaded on XXXX XX/XX/year> scanned copies of our signed passports as evidence showing that the signatures on the passports are markedly different than those signatures on the fraudulent checks. The bank then determined that XXXX of the checks for {$140.00} was legitimately fraud and then USAA sent us an affidavit for the second check to ensure that we in fact did not benefit from the {$230.00} check. This was signed, notarized and sent back to USAA who claims to have never received it despite me having proof of it being delivered by XXXX. Resultantly they have taken back the provisional refund of {$230.00} on XXXX XXXX without any communication to us. We found this out by examining our account history. This rescinding of the refund has cost us overdraft fees as a result.
Product: Mortgage

Issue Number 1. XXXX XXXX, I received an offer from a buyer to sell my house, unfortunately XXXX Bank did not give approval for the sale. The reason provided was that they could not establish the owner of the house based on my social security number. My loan was with City mortgage Bank before it was acquired by XXXX bank. The social security number in reference is the same that City Mortgage Bank transferred to XXXX. 
Issue Number 2.I recently made an inquiry via email to both City Mortgage and XXXX regarding my mortgage account with a personal friend. We did not get any satisfactory answer from XXXX banks in trying to reconcile the principal balance of the loan. 
There were XXXX loan modifications between XXXX to XXXX. According to my recollections, each of these loan modification was sold to me with the pretense of lowering my monthly payment. In reviewing with my friend, these modifications made the interest rate to go up, the payment and the term of the loan as well. At the end of the day, the initial loan principal of {$120000.00} beginning in XXXX increased to {$140000.00} in XXXX The current value of the house is estimated to be around {$82000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS XXXX : XXXX Dear Sir/Madam, I am writing this letter to dispute some of the negative items that are being reported on my credit report by your company. I have recently obtained a copy of my credit report and noticed that there are some inaccuracies and discrepancies that need to be addressed. 

Firstly, I would like to address the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Secondly, I would like to dispute the charge-off accounts reported by XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. I have never had an account with XXXX XXXX XXXX and I believe these accounts have been mistakenly added to my credit report. I request that you investigate and remove these accounts from my credit report immediately. 

Thirdly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Fourthly, I would like to dispute the collection account reported by XXXX XXXX XXXX XXXX, account number XXXX. I have never had any dealings with XXXX XXXX XXXX XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Lastly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. While I did have an account with XXXX in the past, I believe that this account was settled and paid off in full. I request that you investigate and update the status of this account accordingly. 

I request that you investigate these disputes and make the necessary corrections to my credit report as soon as possible. Please send me a written confirmation of the outcome of your investigation and the actions you have taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been in count with Direct Recovery about a credit card debt inwhich I am unable to make payments without a job and looking for work. In explaining this to the representative this morning on XX/XX/20 at XXXX : he goes on to tell me how shameful I am for being out of work for this long, and then hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Open Accounts : XXXX # XXXX XXXX XXXX XXXX  # XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.