23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was contacted on XX/XX/XXXX via email by a XXXX XXXX who has been emailing me for several weeks now. She insisted that her grandmother was out of food, sending me a photo of an empty frig. She stated she also needed new bedding and asked me to send another {$25.00}. ( this was thru paypal and is payable on XX/XX/XXXX. ) I had sent at XXXX XXXX request to XXXX XXXX {$25.00} on XX/XX/XXXX ( via paypal payable XX/XX/XXXX ) for gas for her grandmothers vehicle. I found out on XX/XX/XXXX late that evening that she did not have a grandmother nor did she have her grandmother 's vehicle. The whole thing was some sort of a scam! XXXX XXXX has now deleted her name/etc from XXXX where it was originally. However, I still have some of her conversations on XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX say that I owe them XXXX places on XX/XX/2016 for a dept from XXXX   XXXX. I never owed XXXX XXXX for that amount and when I tried talking to them they would never tell me what the dept was for and how it came about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

M & T Bank paid for a years worth of taxes when they were only billed quarterly by the town. They said they tried to take advantage of a 2 % discount on the taxes but because this overdrew my escrow I now have a shortage of {$3200.00} that increased my monthly payment by {$260.00}. They arent doing anything to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect item on my XXXX. It has been well over 30 days and I have yet to receive any investigation results. 

ACCOUNT : BANK OF AMERICA REPORTED FOR : SUSPECTED FRAUD ACTIVITY DATE OF CLOSURE : XX/XX/2017
Product: Student loan

I had loan forbearance on loans I took out in XXXX through most of XXXX XXXX. Upon finishing my XXXX in XXXX I paid off the entire loan. Then, beginning in XXXX, Navient claims that some money was left on the loan. When I called to ask, they said that interest might have accrued on the loan in between when I looked at the amount due and when the loan was paid. But they were uncertain what had happened. When I looked, that was not the case. Interest was added on the last business of the month, and the loan was paid on XXXX XXXX using the total amount due on XXXX XXXX or thereabouts. I asked Navient to have someone look at this for me, but they have not contacted me about it in three weeks. In order to avoid default, I paid the {$100.00} that they said I owed. But I would like to get that money back if possible.
Product: Credit reporting

There is a collections account on my Equifax credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : 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. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.
Product: Money transfer, virtual currency, or money service

Hi PayPal, A couple of weeks ago, someone hacked my PayPal account because I lost my mobile number and they were able to reset the password. I managed to recover the account a few times, but the hacker kept resetting the password and transferring all my money to two of their own PayPal accounts. 

Here are the transaction details : Transaction One : XXXX - Amount transferred {$180.00} USD Transaction Two : XXXX - Amount transferred {$96.00} USD I opened an unauthorized dispute, but it was closed, and the reply was that no authorized activity was found. I don't understand how this is possible. My money was transferred without my permission, and my PayPal account was permanently suspended without my knowledge. Now PayPal is telling me that the transaction is consistent with my PayPal history, but it was unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ongoing disputes with Experian as 3 collections ( and addresses reported by them ) have appeared so far on my credit report that happened due to identity theft. The first collection/address were disputed successfully and I currently have 2 pending collections under dispute. I submitted an FTC report and have submitted several to Experian in the past few weeks ( updated over time as each new collection and address have appeared ). I keep getting the same email from them stating " The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' I have called several times and no rep has ever been clear as why they can not accept it ( is it because I keep updating it and the previous one submitted is no longer valid? or something else? ) .Today, XXXX/XXXX/2021, I called again to get clarification as to why I received the email again and why they can not accept the FTC report I submitted. Rep said " We know the report is fake '' basically accusing me of faking an FTC report when it was literally filed and downloaded directly from the FTC 's website. I asked the rep to clarify why they think the report is fake if it was downloaded from the website ; I explained that the report has been updated by me every time new collections/information has come up and submitted. Rep refused to answer, stating again that they know that the report is fake, that she could not reveal details but that they are aware the report is not real. NO EXPLANATION. I asked if they could send me a letter instead to explain why if she could not do so over the phone and the rep stated she could only send me the same email they keep sending which is NO HELP. Rep stated to contact the collection company directly instead and if they accept the report then they would remove the collection which XXXX.
Product: Credit reporting or other personal consumer reports

My identity was stolen. I reached out to all 3 credit bureaus to place security freezes and try to dispute the fraudulent accounts. None of the 3 would answer the phone.

I also at this same time had my name legally changed, so I tried to update my information with them by providing the copy of the court order of name change. This instead " fractured '' my report into " multiple accounts '' and left me open to even more fraud as now the credit report was incomplete/inaccurate and any " freeze '' applied only applied to XXXX name and not all of my information. 

I have been unable to connect to a human being for XXXX months. This began on XX/XX/year> and I have not been able to get connected to a human person via phone as each bureau continues to try and push me into their paid service in order to be able to speak to a human being. I have multiple open case numbers and am unable to follow up on them or correct this mistake THEY made as they will not answer their phones. I spend XXXX hours a day EVERY DAY on hold with their chatbot on the phone. EVERY. DAY.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Vehicle loan or lease

Good afternoon, XXXX XXXX from Bridgecrest called on Friday, XX/XX/2024 during my work hours where I can not answer my phone during my shift. I returned her phone call on the same day at XXXX. I tried reaching out to her on several occasions for a few days now and left several voice messages and she failed to return my phone calls. My car note is due on Friday, XX/XX/2024 in the amount of {$350.00}. Im not sure if I should continue to pay it until they get their paperwork straight or wait until I hear back from them. What should I do? Thanking you in advance for your prompt assistance. 

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

On XX/XX/year>, I notified XXXX and Equifax that I am a Victim of XXXX XXXX  I provided them with copies of the following : My Drivers License and Social Security Card Letter explaining that I am a victim a XXXX XXXX and listing the adverse information that needs to be removed from my Credit Report FCRA Section 605C Self-Attestation Form FCRA Section 605C Consumer Submission Form FCRA Section 605C Task Force Affiliation Form It has been 22 days now and they have not removed any adverse information from my Credit Report as I requested, nor have I received any response from them.
Product: Mortgage

I have an adjustable home mortgage mortgage with Chase that adjusts each XXXX. Chase sends multiple bills each month and I paid several months in advance without being aware of it. The monthly bills I receive from Chase state the due date for the payment but did not change after I paid several months in advance. I timely paid the correct amount for XXXX XXXX and XXXX XXXX using the Chase bills that indicate the monthly payment and the due date. Unknown to me, Chase imposed a " corporate advance '' allegedly to keep my mortgage in good standing when I paid my XXXX XXXX bill because Chase " credited '' my XXXX XXXX payment against my XXXX XXXX bill ( which had slightly gone up due to the yearly adjustment ). All of the mortgage bills were timely and completely paid. For example, my XXXX XXXX bill was timely paid using the Chase bill statement which indicates a due date of XXXX XXXX, XXXX. Chase nevertheless is charging me for " corporate advances '' XX/XX/XXXX and again in XXXX because they made up the difference between the XXXX and XXXX figures ( which I timely paid anyway ). I have written Chase and talked with them on the phone and they have refused to delete the charges they call " corporate advances '' despite the fact I have timely paid the complete mortgage payments due. I will try to forward a copy of one of my letters to Chase to you.
Product: Credit card

I submitted an application with capital one for a savor one card. I already went through a pre approval online through capital one and was told I was approved. When i submitted my application I was denied. I was shocked I have XXXX credit, low balances less than 10 % used, great credit history, always pay my bills, and a business owner. I received a email for the reason why and it was an adverse decision was to many active credit cards. 
Under there reasons of why I would get an adverse decision that wasnt listed. I called customer service because I feel it was a mistake. I got escalated to a supervisor and explained the situation and it doesnt make sense. She told me they can not do anything about it.. she didnt bother looking into it. I asked her Was vindictive because i cancelled a capital one credit card or discriminative?? She laughed and said have a good day and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX and XXXX are in violation of the Fair Credit Reporting Act. They all continue to report my student loans in deferment and continue to report the incorrect payment history despite me submitting proof multiple times for months .The Credit Bureaus are also in violation of providing verification method. Even with my proof that I am not in deferment and despite the Cares Act Law they continue to report in deferment.
Product: Credit card or prepaid card

On XX/XX/2019, a fraudulent charge was made on my Chase Visa credit card in the amount of {$6100.00} by a vendor identified as PP*samdesigner, while I was in XXXX on vacation. Visa did not contact me when this charge took place and just let it through. Upon my return to the US, I signed an affidavit to Chase informing them that this charge was fraudulent and was not made by my husband, who is joint on my account. Since that time, I have been on numerous phone calls with them informing them that this was a fraudulent charge and that we did not make it. On XX/XX/2019, I received a letter from Chase Fraud Services ( attached ), informing me that I am being made responsible for this charge. I received 2 additional letters from them dated XX/XX/XXXX and XX/XX/2019 confirming that they are making me responsible. I was then told that I must appeal to the Chase Executive Office. Since that time, I have written to them 3 times. I have attached the final letter which summarizes my proof that we did not make this charge and that this card number was hacked while we were in XXXX, as we received similar charges from 2 other bank cards. Both the other banks have dismissed the charges. I have received 2 phone calls from the Executive Office, both claiming that we are responsible for the charge. They do not address any of my documentation proving that we did not make the charge and do not provide any proof that the charge was legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 a fraud claim was opened on my Citi bank home depot card. I requested items on my account should be reviewed. Instead Citi bank home depot closed my card. Citi bank added a late charge payment on my account. The late payment is reporting to my credit report as a result.
Product: Student loan

I have had my student loans dismissed because of my XXXX. I called Educational Credit Management Corperation ECMC XXXX and inquired about this loan because according to my credit report these loans were opened on XX/XX/XXXX in the amounts of {$1900.00} {$1300.00} {$4600.00} {$2500.00} and they are reporting this as paid collection charge off.I questioned it because I know for certain I didn't open a loan during that time. I called to inform them that this account might be fraudlent because I am a victim of the equifax data breach. I called and spoke to a represesntative who stated that I opened these accounts in XXXX and that the date opened that I see is actually the date my account defaulted on my loans. I informed the representative that they were illegally and knowlingly reporting misinformation to the credit bureaus. This company has been doing this for years knowing that if they reported the correct date they wouldn't be able to report that account as a charge off and that payment information wouldnt be impacting my credit negatively. This affects the age of my credit file as well. I have my primisory notes as well these loans were discharged by the federal government because of 34 CFR 685.213 - Total and permanent disability discharge I fall under veteran part of this. I became XXXX XX/XX/XXXX and they have been reporting this information since then. I am trying to buy my first home and have worked very hard to clean up my credit with no help from any agencies or lawyers. Since I've been doing this now my file is very limited. I can't even get a credit card because of so many charged off accounts and how recent they are. The customer representative said that these would stay on my report until XXXX even though I just informed her that the company was reporting misinformation to the credit bureau. I have contacted the credit bureaus about this to clear it up but this company is doing some illegal practices.
Product: Credit reporting 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 : # 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 Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Applied for a 1 time close construction to permeant loan with BBT. I paid BBT the required funds to perform an appraisal on the construction and provided them all the building specifications.

BBT hired an appraiser who failed to act in good faith. Below are the highlights of appraisal 's issues.

1. Filled out the appraisal form with fraudulent information on the house design/features.

2. Actively fabricated information about the neighborhood.

3. Used comps there were ~1 year old instead of recent comps. Appraiser was involved with the loan on the ~1 year old comps.

The above issues and many others were addressed by me in writing to BBT in early XXXX via email. BBT agreed the appraisal was wrong and submitted a halfway filled out appeal form. I called the loan officer a week later to get an update on having the appraisal appealed, and the loan officer told me that will " take a while, but I can request a new appraisal, which will come in lower ''. At that point I was flabbergasted a bank can dictate/predict an appraisal. I escalated my concerns in writing to XXXX XXXX ( head of BBT/Truist ) and XXXX has sat silently on copy while his staff act dishonestly. 

The loan officer has since refused to be productive with my loan. Instead of working to address my concerns and his inappropriate/illegal comment, he has attempted to pressure me into signing off on the appraisal. His boss got on one of the email chains and pretended to answer questions I never asked. 

On XXXX I was emailed by a new person at BBT demanding XXXX statements from my checking/savings account. She required by end of the week ( XXXX ) or else she would delay my XX/XX/XXXX closing. My closing was originally early XXXX. She pulled up my closing with zero communication and intentionally set a goal that would be impossible to meet ( those XXXX statements don't post till after XXXX is over ). 

It has been a month since BBT told me a second appraisal would come in lower on a phone call.
Product: Checking or savings account

I received 3 checkbooks from E-Trade and I never opened an account with E-trade. I recently opened an account with a different company ( XXXX XXXX savings ) but have never opened an E-trade account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to dispute the accuracy of the payment status being reported on my credit file. After reviewing my credit report, I have noticed that there is an erroneous account that are reporting late payments that is not true. I would like to request a correction of these accounts and have the accurate information reported. According to the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate information reported on my credit file. I have maintained a good credit history, making all of my payments on time, and it is crucial that the information reflected on my credit file accurately reflects this. I need you to take a look at this account : XXXX XXXX Balance Owed : {$490.00}. I have attached a copy of my personal payment records, which demonstrate that the late payments reported on my credit file are erroneous. I request that you conduct a thorough investigation into this matter and update my credit file accordingly.