23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I use automated bill pay to pay my mortgage. In XXXX of 2024 the payment increased due to escrow increase. The mortgage company claims they sent a notice prior to the increase ; however, the mortgage company inundates me with solicitations for new products and I did not see the increase. There was nothing conspicuous about the mail to indicate I should have looked at it. Once I was behind by XXXX dollars, they surely sent me a conspicuous email. I called them and learned of the error. On XX/XX/XXXX they sent me another email stating I was late XXXX dollars. This is not true. The agent told me they never applied the payment that was shorted XXXX dollars to the owed payment and took money from next payment to make up XXXX shortage then took remaining balance and applied it to balance. They recorded the payment as being late. This adversely affected the amount of interest owed on the loan.
Product: Money transfer, virtual currency, or money service

I did not receive the promised products that I paid for. I used XXXX XXXX and made a payment of {$350.00}. The transaction id is XXXX The transaction was made at XXXX XXXX  Central Time on XXXX 

I was supposed to buy a XXXX XXXX for {$350.00} and the person set me a bag full of bricks instead of a XXXX XXXX. 

I have called Bank of America, and XXXX XXXX they were both not very helpful.
Product: Checking or savings account

I have been getting charging overdraft fees including my account going in a negative balance when I didnt approve a transaction.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, Inc. ) due to an adequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected for the more they dispute. Resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX reported to XXXX Experian and XXXX information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that XXXX XXXX " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at XXXX could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My credit score dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I'm coming to you for assistance because I don't know what else to do anymore. I've been trying to get accounts deleted from my credit report for the last three months and the credit bureaus keep the accounts on the report. There should be no reason why these accounts should remain on the credit report since I have a deletion letter from the collection agency that these were supposed to be removed back on XX/XX/XXXX. This letter even has AUD deletion control numbers on it. 

I have contacted the credit bureaus myself and have submitted this letter as proof these accounts should be deleted. They still remain. We are now on XX/XX/2022, and these accounts are STILL on my reports. To make it even worse, they were deleted for a short period of time, and then reappear. I've called the collector to figure out what is going on, but they have submitted an AUD deletion request three times to the credit bureaus. At this point, I have no choice but to file this complaint through you otherwise I will have to file a complaint through my local small claims court. Please, please, please get the credit bureaus to do their jobs. We aren't in a pandemic anymore, so there is no excuse as to why this hasn't been done by now.
Product: Checking or savings account

I deposited a check in my sons name as he is a minor to my account. I followed the online instructions. The check was returned with no call from The bank and despite me being signed up for paperless notifications I got a letter mailed that took a week to be mailed with no explanation just that the check was returned. I reached out to the person who issued the check and requested a new check and they gave me a new one that I deposited via ATM. Again no call got an overdraft notice the next day as they returned the check again. I called the branch and they stated they didnt understand it that they would need to call me back. They then called and said that the reason it was returned is it was in my sons name and that I would have needed to come into the branch to deposit it. They then stated that they will mail the check back to me but that it would take a couple weeks. All of this benefits them. At the tune of {$300.00}. The date of the first deposit was XX/XX/XXXX. The date of the second deposit was XX/XX/XXXX. The check was in the amount of {$1000.00}. When I reached out to the branch I was told that I would have to wait on the check. I tried to call the XXXX number for assistance and could not get a live person I used their online messaging through the banking app and was told I should have been able to lock the check up in the bank
Product: Mortgage

I have been participating in the Short Sales Process with Wells Fargo over a year and half. 
I have submitted all paperwork requested by Wells Fargo and have lost multiple buyers due Wells Fargo stalling us and refusing to bargain in go faith. I just been informed by my realtor that they have decided to withdraw my request to sale my home in the Short Sale process and just foreclose on my property. we have sent multiple offers to them and have received nothing but request of more paperwork that was already sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that haven't been any activity since XXXX and I'm trying to fix the Inactivity 's and Wrong Information that's being reported Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

The COLLECTIONS BELOW SHOULD BE DELETED AND REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALL INQUIRIES ON THE REPORT.
Product: Checking or savings account

In the past I have successfully used Novo 's mobile app to deposit paper checks from clients. On approximately XX/XX/year> I began attempting to deposit a paper check using Novo 's mobile app. Problems are : difficult logging into account ( circular loop of error messages and assistance that does not work ) ; twice I was able to log in after repeated attempts only to discover there is no interface for depositing a paper check. I have attempted multiple times and contacted Novo support twice. Support has done nothing more than send me canned emails asking me to rate the support service, which I never received. Since Novo requires that paper checks be endorsed " For mobile deposit at Novo, '' other banks will not process the check. Novo advises to use snail mail to send the check to Novo, but I refuse to do this, especially given all of the errors thus far. I have been unable to deposit this client check for more than two weeks, which is very hard on XXXX XXXX XXXX
Product: Debt collection

My XXXX XXXX XXXX is XXXX of California. 

They have a history of not recognizing nor respecting maximum co-pays for calendar years. 

for XXXX I hit my maximum co-pay on XX/XX/XXXX I was asked to pay a copay on XX/XX/XXXX and declined. 

XX/XX/XXXX XXXX sent me a bill. 

They gave me an email address ( XXXX ) to send the letter confirming this from my insurance. 

This email was sent XX/XX/XXXX. No response was received. 

I emailed a follow up XX/XX/XXXX. 

I received another bill in XXXX. 

I called XX/XX/XXXX and was told my email had been received and to reply to the email and ask them to call me. 

No followup nor phone call was received. 

XX/XX/XXXX I received a notice dated XX/XX/XXXX from Designed Receivable Solutions that they were collecting my debt on behalf of XXXX. 

I do not see how it can be legal to send a debt under dispute to collections without any attempt to address the consumer 's issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had initiated several disputes with Equifax on XX/XX/XXXX. The date the investigation was to be completed was XX/XX/XXXX. As of today, XX/XX/XXXX, the investigation is still pending and I have accounts still showing delinquent when, they dont belong to me or should have been paid by the third party involved.
Product: Debt collection

XXXX is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX/XXXX/XXXX and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XXXX and and XXXX they would not listen or try to resolve. I do not or have I ever had a written signed agreement with this company, this company does not have an active license to collect debts in the state of Florida
Product: Debt collection

United Collection Bureau XXXX Inc is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from United Collection Bureau  XXXX Inc showing we had a contract as well as the agreement between United Collection Bureau XXXX Inc and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of XXXX as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX XXXX XXXX amount of {$13000.00}. I reached out to XXXX  and XXXX do they sell debt they stated no ( I'm well aware of my HIPPA laws XXXX. I could sue United Collection Bureau XXXX XXXX for violating XXXX laws. United Collection Bureau XXXX Inc has violated multiple HIPPA laws and I have my lawyer on hand to sue United Collection Bureau XXXX Inc for the violations of my medical rights. Also their information has not been reviewed by a lawyer.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 sections 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 angency can not furnish a account without my written instrutions
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I logged into the 3 Credit Burea accounts and realized I had unauthorized fradulent inquries on my accounts. 
On XX/XX/XXXX I reached out via phone to XXXX, TransUnion, & XXXX and all of them told me that there was nothing I could do about these unauthorized inquiries on my account. 
On XX/XX/XXXX I filed a online dispute on XXXX. 
On XX/XX/XXXX it was denied. 
On XX/XX/XXXX I filed my report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX section XXXX A. XXXX 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: Money transfer, virtual currency, or money service

I believe that someone posing as Paypal sent me a notification that they had detected unusual activity in my account and needed to verify security information to resolve the issue. The manner in which they reached out was consistent with how Paypal contacts me, and the appearance of the interface seemed normal to me. I think it was actually a notification on my phone, as though from the app. I entered security information, including my main credit card, my HSA card, and my SSN. I feel so stupid. I should have realized this was not normal information to ask for in order to verify activity. But the moment I realized it was a scam was when I finished the questionnaire and the interface changed oddly, asked me to verify that I wasn't a robot, and then redirected to a VPN service. I think that Paypal should be made aware that this scam is circulating.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payments reporting on my credit report that aren't accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that Credit Bureaus must look into this matter as required to do so under the FCRA. If CREDIT BUREAUS do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please fix these Accounts from my report : XXXX  XXXX XXXX Balance Owed : {$1.00}, XXXX XXXX XXXX XXXX Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls Department Store charge card. I have tried several attempts to get Kohls to remove 2 late payments from my credit report under Humanitarian illness, which would rehabilitate my account. I sent in documents showing I was out of work do to XXXX. I XXXX XXXX XXXX and had extensive XXXX to put in a metal plate and screws. I work customer service, 8 hours a day 40 hours a week. I was off work for almost 4 months going through extensive rehab. I understand policies but Kohls under these conditions and by law should be able to remove and rehabilitate my account to remove delinquencies do to these reasons. I have never asked for them to do any of this before. I am feeling discriminated because of an I jury that prevented me to work. The only time since I had the account in XXXX, I was ever late was XX/XX/XXXX and XX/XX/XXXX, which were during the injury downtime. I ended up paying in full my account.
Product: Credit card or prepaid card

I filed a complaint about 10 days ago with this office a day or 2 after filing the complaint I received a phone call from a rep in the executive office claiming that she wants to help me, but the fact of the matter is that even after waiting my time with her for hours repeating and explaining my issues as well as she admitting that they were wrong she wasn't able to resolve this issue and just continuing to waste my time with flawless resolutions back and forth which are fruitless and non sense while she is aware of the non sense. Other than wasting my time and their time nothing is moving, they don't feel sorry enough to rush it or do something at least to prove that they are taking responsibility on their failures.
Product: Credit reporting or other personal consumer reports

I submitted a request for investigation for the listed account ( XXXX ) and provided enough information for a thorough review. However, the investigation was not conducted adequately. Had you done a proper investigation, the accounts would have been removed. 
Relying only on the unreliable e-Oscar system has resulted in inaccurate and unfair information. I urge you to conduct a thorough and accurate re-investigation of the following accounts. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ), and XXXX XXXX. 
XXXX, XXXX, et al, the courts consistently ruled that credit reporting agencies must conduct an independent and reasonable investigation to verify the validity of debts and the credibility of creditors and collection agencies. Merely reciting information from creditors is not sufficient. Sending a generic form letter through the e-Oscar system without addressing specific reasons for the dispute is not considered reasonable. 
If you are not aware, each violation of the Fair Credit Reporting Act may result in damages of {$1000.00} if this matter goes to court. If you do not investigate my dispute, I will take legal action to safeguard my credit rating and rights under the Fair Credit Reporting Act. 
Kindly comply. 
Regards XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX repair with a new radiator.Somehow they got coolant in engine which blew the engine. this occurred XX/XX/2018. I continued to pay my car note 2 more months. then i filed a gap insurance claim which was denied. the claim was denied then they cancelled my insurance. Chase Auto repossesion of my car then sold it without notice or authorization.They mailed me a letter after they sold my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account ending 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Currenly my credit reports from XXXX, transuinion and XXXX are are showing late payments under the XXXX XXXX Account ending XXXX. I contacted XXXX  XXXX and informed them multiple times this is inappopriate use, and I have also sent them Legal information to show my rights are being violated per the Fair Credit and Reporting Act. XXXX XXXX has challenged my views and re-reported mulitple times to the credit bureaus these alleged late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX MO XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt nor any debt exist. These Accounts listed are not mines and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER THE FAIR CREDIT REPORTING ACT, IF THEY CAN NOT VERIFY THE DEBT WITHIN 30 DAYS, THEN IT MUST BE REMOVED.
Product: Credit card

I need your assistance in reviewing accounts from these companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts showing late payments that should not be there. These accounts should not have any late payment marks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.
Product: Credit card

The Indigo Platinum Mastercard is issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX serviced by Concora Credit Inc. XXXX XXXX XXXX, CA Collection Agency License XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not available in the authenticated user session for current accounts, or on the website. 
They force the consumer to submit a online form to request the terms in XXXX weeks via postal mail delivery. 
Per the law, they have to provide the terms to the end user on the cards website, or have them accessible by the consumer on the website for the end user to review : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( a ) IN GENERAL.Section 122 of the Truth and Lending Act ( 15 U.S.C. 1632 ) is amended by adding at the end the following new subsection : ( d ) ADDITIONAL ELECTRONIC DISCLOSURES. 
( XXXX ) POSTING AGREEMENTS.Each creditor shall establish and maintain an Internet site on which the creditor shall post the written agreement between the creditor and the consumer for each credit card account under an open-end consumer credit plan.