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

I received a letter in the mail with an attached US Bank Cash+ Visa Signature Card that was stated to replace my current US Bank Visa Platinum card. My current card does not expire until XX/XX/XXXX. The wording on the top of the letter states : " Congratulations, your account has been upgraded to a new U.S. Bank Cash+ Visa Signature Card . '' For clarity, I intentionally do not carry a rewards card as I am familiar with interchange fees and try to consider my small, local businesses whenever possible. I am also employed by, and work very closely with, a small business owner. I see exactly how much extra money goes out due to processing rewards cards vs. regular credit cards. 

When I called US Bank to figure out what was happening, I got several responses ranging from " Your current card is no longer offered '' ( It is currently advertised on their website ) to " We do automatic upgrades for cards that have been inactive for 2-5 months '' ( My last activity on the card was a purchase on XX/XX/XXXX for {$970.00}, a purchase on XX/XX/XXXX for {$94.00}, and a purchase on XX/XX/XXXX for {$67.00}. These were all paid off within two weeks of the purchase date and none fulfill the claim of 2-5 months of inactivity. 

When I asked if I could simply not use the new card for the reasons stated above, I was told that the change affected the account and not the card itself. So, while I received no communication, submitted no request, and gave no approval or permission, my current card was changed to a rewards card in early XXXX. When I asked them to simply change it back, I was told that it wasn't possible to change back, and I would have to close the account and re-apply. I was later told by the manager at the call center that the product services department usually ran offers 2-3 months after automatic upgrade campaigns to downgrade cards back to their original status. I was also told by the same manager that the campaign affected around 5200 customers after being told by a previous employee that it affected 52,244 customers. When I pressed to get in touch with someone who could change my account status I was told that no one above her takes calls from customers and that I was free to fax or write them my questions/requests. 

I felt like this situation was relatively ridiculous considering my end goal was simply to keep the card I had. When looked at ethically, it becomes more questionable on the larger scale. It is reminiscent of the XXXX XXXX scandal in recent memory. Especially when you consider the lack of communication or input from the customer side.
Product: Mortgage

My loan has many, many mistakes from predatory lending when I did not qualify. I 've been told from many real estate Lawyers to file a complaint. I 'm XXXX and on SSI and been in my condo for 28 years. Also I had a research company run my loan and found over XXXX discrepancies,,, help me please. Wells Fargo say it 's fine.I WANT TO KEEP, MY CONDO, THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Card continues to place hard inquiries on credit file for dates XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. Requested authorization of signature and company fail to comply
Product: Debt collection

Midland Credit purchased a fraud account from XXXX XXXX. Date unsure. Recieved my first collection letter from Midland early 2021. Collection call from Midland explaining fraud. Sent a certified letter to Midland XXXX explaining my ID theft after midland threatened a court case; included was a victim restitution form from the city of XXXXXXXX XXXX. I have the Receipt of the certified mail i sent to Miadland Credit Midland continues to call me almost every day. Im am be harrassed by their incompetence to receive and properly read a letter sent almost a year ago. Now as of this date my credit score is being impacted by their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to take sufficient measures to protect my, and 150 million others, personal information resulting in electronic distribution to unknown entities and compromising my credit security for the entire foreseeable future.
Product: Vehicle loan or lease

PNC Bank had an incorrect address on file and did not notify me that they required the final payment to be made manually instead of automatically withdrawn. They did not attempt to contact me any other way, and after five years of timely payments they sent my final payment into debt collection after 30 days which negatively impacted my credit score.
Product: Debt collection

This matter is involving the company, XXXX, in their exhibiting unfriendly customer service. In fact, the service appears intentional to force payment on items irrelevant to the customer account. XXXX issued several phone numbers to my business account, a main number, fax, and others related to the business operation. When terminating my main phone number, XXXX shut off my main number, however, they kept on ( active ) the other phone numbers. XXXX only acknowledged the main number to enable talking to their customer service. When terminating their main number, it was impossible to turn off ( discontinue ) all of the other numbers. This period of time was between : XX/XX/XXXX- XX/XX/XXXX. Through this time, I attempted to reach XXXX. Once I finally terminated all numbers, they sent me a bill for the period of time I was trying to turn it off, to reach their company. 
XXXX XXXX - - turn off main business line XXXX XXXX - - attempt to reach XXXX to turn off other business lines XXXX XXXX - - written attempt to XXXX by mail to turn off other business lines XXXX XXXX - - demand for termination of business with XXXX and waive billing XXXX XXXX - - dispute debt by XXXX XXXX ( CONVERGENT ) XXXX XXXX - - dispute debt by XXXX XXXX ( WAYPOINT ) Status now : XXXX PLEASE STOP!!! Please stop this financial harassment.
Product: Checking or savings account

I am customer of USAA and my son is a customer under my account. He just turned XXXX last XX/XX/XXXX and they send me a letter dated the XXXX of XXXX to submit some identification form for the minor and I called the bank explaining that here inXX/XX/XXXXdue to the COVID-19 issue the license place orXX/XX/XXXX is giving out appointments to get ids well over 6 to 8 months away. They without telling us or advising us at all closed the account and with held whatever funds where in both accounts checking and savings for the minor. I contacted them with my son and they didnt wanted to reopen the account after I send the papers that are very sensitive in nature cause its a lot of personal information that now its at the bank site and they tell me they dont know where the info is and they wont speak to me since my son is XXXX and the accounts are frozen unilaterally from their part. I dont understand why they are doing that since we have the account opened for over 8 years and the expected to get an ID in such a short noticed and they wont take the college Id as form and his social security card Was also submitted and they dont know their whereabouts. Thats a real breach in personal security and the people I spoke on the phone only hanged the line and wont tell us where is the photos of his personal info.
Product: Credit reporting or other personal consumer reports

I have two separate loans from XXXX XXXX XXXX XXXX and XXXX which borrower defense discharged the XXXX. After removing the XXXX loan my score went up, then a week later XXXX re added it and my score dropped XXXX points. XXXX the loan service has reported the correct balance but XXXX has not updated the info. This has caused me a big issue in my home buying process.
Product: Consumer Loan

This creditor failed to close my account after the debt had been paid off. It took them 6 months so move the status to closed and it still continues to show negatively on my  credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.
Product: Debt collection

I have contac t Hunter Warfield and ask that they stop contacting me. I never had contract with them. I have never signed a contract with Hunter Warefield.  I 've never gotten a solution other than continue harassing phone calls from some rude guy.
Product: Money transfer, virtual currency, or money service

Good Evening!

I'm reaching out for urgent assistance from the support team. I initiated a fund transfer of USD XXXX on XX/XX/XXXX through my Western Union account and provided the XXXX XXXX XXXX XXXX provide by them for tracking. According to their confirmation, the funds were supposed to be credited to my account on XX/XX/XXXX, but I have not received them yet. 

When I contacted customer support, they informed me that they are coordinating with their partner bank to complete the transfer and assured me it would be finalized within 24 hours. However, we are still waiting for the funds to be credited to our account.

I followed up with customer support again, and they reiterated that they are still working on completing the transfer. 

I urgently need support to resolve this issue as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a credit check done by Citibank Na/XXXX. I have had a home depot card for years there is no balance why would they do a hard check on me?
Product: Credit card or prepaid card

Citbank credit card randomly changes the Monthly card closing date. This was NOT disclosed upfront. As a consumer, the billing cycle changes anywhere from 3 - 5 days after bill is paid. As a result, hardship on managing the monthly payments. All major credit cards should close with the same date which is at the end of the month.
Product: Student loan

This letter is a formal complaint that American Education Services ( AES ) is reporting inaccurate credit information. 

I am very distressed to find that AES has not requested the removal of late payment information in my credit profile due to its damaging effects on my good credit standing. After receiving a forbearance that was backdated to cover the dates my payments were originally considered late, AES has refused to update my credit reports, all the while instituting a new policy which includes the removal of negative credit reporting for student loan accounts that received back-dated forbearances and deferements after XX/XX/XXXX. Since the late payments were posted to my credit report XX/XX/XXXX and XX/XX/XXXX, the company refuses to remove these late payments from my credit report. 
I have requested numerous times for the removal of these late payments from my credit report through written mail, email, and repeated telephone calls to both AES and the Office of the Ombudsman explaining that I have worked extremely hard to keep my credit in good standing and I do not feel these late payments truly reflect my credit worthiness. 
During my approved forbearance period, no payments were due and therefore no payments could be considered late. However, because of the inaccuracies on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence di a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

My loan was sold to a company called Selene Finance which has been a NIGHTMARE from the start. We have been " in the process '' of a loan re-modification for the past 15 months. Our home is now being foreclosed and Selene says they have never received XXXX document from us. WE HAVE ALL THE RECEIPTS, of over XXXX re-modification process being denied, never stating a reason. I have shown that i have no only savings in the bank but also a steady income. I started to research online and they have an F on XXXX, their reviews are all the same, the want nothing more than to foreclose on your home and make a profit for their investors. XXXX XXXX who runs his own investment firm is also the CEO of Selene Finance. This is mortgage fraud and my family and i are about to lose our home due to the fraudulent actions of this company. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent auto loan was opened in my name and now XXXX XXXX XXXX is reporting a fraudulent loan on my credit report.
Product: Mortgage

I have a loan account with loan care XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX ). I have made all payments including escrows on time, however the company has not accounted for my escrow payment of {$690.00} made in the month of XX/XX/2019. They have sent me a short fall notice and increased the total payment this year. I have been trying to contact them but no one picks the phone and no response on multiple emails. I have had problems previously when they defaulted on my tax payments and I had to pay penalties on those. all my attempts to contact this company has been futile. I hope at CFPB there will be appropriate action taken against the company. 

Thanks, XXXX
Product: Mortgage

Lender is attempting an end-around to avoid paying damages award when property XXXX XXXX XXXX. is in lis pendens.
Product: Debt or credit management

I monitor my credit and bills monthly very closely. I saw this just reported on my credit report on XX/XX/year>, for owing a balance of {$1100.00}. I have no idea what this would be in regard to. The date of service is listed as XX/XX/year>. I have no bill from anyone for this or no phone calls received for this. 

Please look into this and help me to verify why this is reported on my credit. This company has no phone number listed or account information for me to reach out. I filed a dispute with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information that keeps getting " verified '' by equifax. Portfolio Recovery is reporting negatively and its paralyzing me from moving. Portfolio has told me they removed this account on XX/XX/XXXX but it still remains. Its removed off of XXXX. They told me 60 days which makes no sense and damages are still occuring. 

I called XXXX  to mail them the letter of proof from portfolio but the unprofessional foreign agent would not oblige. I shared with him im a XXXX veteran unable to send this document by mail and he told me thats it tough luck pretty much. 

This is not right! XXXX  HIRES THE CHEAPEST PEOPLE WHILE IT AFFECTS MY LIFE I NEED THE FAX NUMBER AND THESE ITEMS DELETED THIS IS AGAINST THE LAW!! 

Difficulty submitting a dispute or getting information about a dispute over the phone
Product: Credit card or prepaid card

On XX/XX/2020. I used the automated phone number Direct Express and ordered one new card because my card ending in " XXXX '' was defective. I paid for the new card to come in 2 business days. The automated voice said my card will remain active until I get a replacement card. I called back to block the defective card ending in " and they cancelled the card but ordered me another card and asked did I want a 2 day shipment. They withdrew another fee for the 2 day shipment. So I am waiting for 2 cards to be delivered in 2 business days. A total of {$30.00}. Now my Direct Express card account is in the - negative now. 
On Tuesday XXXX, 2020 I talked to a lady who said she was a supervisor which I doubt, named XXXX. XXXX asked me for my personal account password pin information to my website account. I refused and told her this is a against the law to ask a customer for their personal PASSWORD TO Their online Accounts! Direct Express refuses to give my money back from one card fee of {$15.00}. 
Please help me and get my money back? I don't have money to give away. {$15.00} is a lot of money to me. Please Hopefully Direct Express will do the right thing and give my money back. It's against the law to take money that doesn't belong to you. I have copies of the 2 cards charges. 

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

I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws in how my credit information has been handled. These violations have directly affected me and my creditworthiness. Specifically : Failure to Verify Accuracy ( FCRA Section 616 ) : My credit information was accepted and reported without being properly verified for accuracy. This is willful noncompliance, which subjects the responsible parties to civil penalties of up to {$1000.00} per violation.

Failure to Inform Me of My Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt-out of sharing my personal information. This omission is a direct violation of my rights under the FCRA.

Inaccurate and Deceptive Reporting ( FCRA Section 623 ( a ) ( 3 ) ) : Several inquiries and accounts were reported inaccurately without validation. This deceptive reporting has caused confusion and negatively impacted my credit profile. 

Unauthorized Hard Inquiries ( FCRA Section 1681b ( a ) ( 2 ) ) : Numerous hard inquiries appeared on my credit report without my authorization or a permissible purpose as required by the FCRA. These include inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. 

False Reporting of Late Payments ( FCRA Section 616 ) : Accounts like XXXX were inaccurately reported as having late payments, which is entirely false. These accounts should reflect " never late '' or " paid as agreed. '' Unauthorized Disclosure of Debt Information : Debt collectors improperly contacted third-party credit reporting agencies with claims that I owed a debt. This violates regulations against disclosing debt information to unauthorized third parties. 

Deceptive Practices in Reporting Late Payments : Late payments were reported on my credit report without a clear definition of what constitutes a late payment. This is misleading and inaccurate. 

Failure to Accurately Determine Finance Charges : There was a failure to correctly calculate finance charges, which falls under the responsibility of the credit reporting agency.

These actions have caused me unnecessary stress and harm to my credit profile. I have demanded immediate action to resolve these violations, including correcting inaccuracies, removing unauthorized hard inquiries, and validating debts. 

If these issues are not resolved promptly, I will exercise my rights under the FCRA to pursue legal action, including seeking civil penalties for willful noncompliance. My credit profile and consumer rights deserve to be treated with respect and accuracy, and I will not hesitate to take further steps if necessary.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account Name : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made multiple attempts to resolve all the mistakes on my credit report with all three major credit reporting agencies. starting on XX/XX/22 i wrote letters to XXXX, XXXX, and experian i got no response at all first issue at hand is an account from XXXX XXXX being reported Soley to Experian and XXXX on my report its in complete violation of 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 highest balance shows different amounts account status shows paid on experian but show derogatory on XXXX last reported dates show different dates date last active shows different dates date of last payment shows different dates as well i would like this account completely removed from my credit report immediately please and thank you