23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The terms of my mortgage refinance loan at closing were not the locked in rates of my application or what I was promised. I became aware of the changes when I reviewed my closing documents, there was no explanation prior to the date of signing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I OPENED an account with XXXX XXXX, and XXXX XXXX in XX/XX/2020. I set up auto pay, and for 2 months the payments were deducted without a problem. In the 3rd month XXXX XXXX and XXXX the payments were not deducted, and the ability to make the payments was not allowed on the website, In addition no one will answer the phone when you call them. As a result there are now 2-90 day late payments from NATIONWIDE ACCEPTANCE which is the loan servicer for XXXX XXXX, and XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX SELF FINANCIAL INC/ LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute - Unauthorized Furnishing and Access to XXXX XXXX XXXX Dear XXXX XXXX XXXX am writing to formally dispute the reporting and/or obtaining of my personal credit information by your agency without my written consent, as outlined under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following account on my credit report, which I have not authorized : Creditor Name : SELF FINANCIAL INC/ LEAD BANK Account Number : XXXX According to the FCRA, credit reporting agencies are required to have explicit written authorization to furnish or obtain an individual 's credit information. I have never provided such authorization, and I believe that your agency has either furnished my credit report to third parties or accessed it in violation of these requirements. 

Please investigate this matter and provide me with documentation showing the written authorization that you claim allows you to furnish or obtain my credit information. If no such authorization exists, I respectfully demand that you : Immediately cease any unauthorized furnishing or access to my credit information.

Delete any entries or information that were furnished or obtained without my consent.

Send me a confirmation of your actions regarding the deletion or correction of my credit report.

Additionally, I request that you send a copy of the updated credit report reflecting these changes.

Under 15 U.S.C. 1681, you are required to investigate and resolve this matter within 30 days. If this matter is not corrected, I will consider pursuing legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Prepaid card

Hello everyone, I received an American express gift card from my employer as a XXXX gift in XXXX. I was able to use the gift card for XXXX purchase in the beginning of XXXX but as of recently I have tried my best and have not been able to use it anywhere. I contacted the company earlier this year and they claim their gift card can be used everywhere. Unfortunately this statement is false and their gift card can not even be used on XXXX or XXXX to complete purchases.
Product: Mortgage

In a letter dated XX/XX/XXXX  Flagstar Bank indicated that a loss mitigation application was complete. I did not submit the application. I have been working with my state on Homeowners Assistance Funding. At the request of the State of Texas I contacted XXXX, however at no time did i indicated to XXXX XXXX XXXX Flagstar, my intent to enter into loss, mitigation. My preference is to wait for a decision from the state before entering into loss mitigation..
Product: Money transfer, virtual currency, or money service

In XX/XX/2018, I went to XXXX located at XXXX XXXX XXXX, XXXX XXXX tx XXXX and I made a money transfer from XXXX to XXXX thru Money gram. 
I sent $ XXXX to XXXX XXXX about XXXX XXXX ct. And I get my copy from the money send with receipt reference number : XXXX. 
The recipient call me same day about XXXX ct from XXXX XXXX to get the reference number to get the money, once the recipient was at the store ( XXXX XXXX XXXX , at XXXX XXXX XXXX ) to collect the money, the recipient was told from the person in charge that the money was already collect y, and the recipient went to a different store ( XXXX ) to try to collect the money and the store manager from XXXX told the recipient that the transfer was block and to come back another day. 
The recipient call me right away and explain me what just happened, so I told him that maybe was an error in the transaction but to comeback next day to collect the money. 
The recipient went back next day and the store manager from XXXX told him that the money wasalready collected, the recipient ask for a prove of the transactions but was denied y, so the recipient call money gram and money gram said that it was already collected but money gram can not give more information only to the sender, I called money gram and they ask me all kind of question and money gram said that it was already collected but they were going to investigated what happen, I asked them for the confirmation of payment or information of the person who suppose to collect the money and theysaid they didn't have it yet but they were going to investigate and call me back, it's already a month and I haven't heard from moneygram. 
Money gram representative over the phone gave me a case number : : XXXX
Product: Mortgage

I inherited this property through my deceased Mothers estate 10 years ago. I am currently behind on the mortgage and I am selling the property to avoid any foreclosure. I attempted a short sale in XXXX, XXXX. There is a first mortgage with Carrington of {$65000.00} and a Partial Claim with HUD for {$26000.00} from a Loan Modification my Mother completed while XXXX XXXXXXXX. The short sale appraisal came back at {$130000.00}, therefore the short sale Carrington offered was higher than the mortgages owed. I have spoken with several Realtors and the house wouldn't sell for close to that. The previous tenants trashed the house and there is a major plumbing issue under the house which was reported to Carrington. I went to the house in XXXX before I went in to have a XXXX XXXX XXXXXXXX for XXXX XXXX and Carrington changed the front door locks on XX/XX/XXXX. They didn't contact me, nor had any legal right to change the locks on the house. I am not in foreclosure and I have been in contact regularly with Carrington in regards to selling this house. They immediately knew their wrong doing and removed the lock box and left the new lock key under a rock on the porch on XX/XX/XXXX. I requested an updated pay off from Carrington on XX/XX/XXXX and there are {$3200.00} in bogus fees. I called and spoke to a Customer Service Rep who couldn't advise any info on the fees. I asked to speak to a Supervisor and was transferred to XXXX. He couldn't provide any information as well and instructed me to " dispute '' the items. There are charges for Roof repairs, repair bids, Other, etc. There have been no repairs done. When they illegally changed the lock, they did put saran wrap over 2 toilets. I should not be paying for any repairs, lock changes, debris removal, etc as the changing of the locks was unauthorized and no repairs or debris removal has taken place. I am in the process of selling this property and need the pay off to be corrected. I do not want to have to take legal action in regards to the bogus fees charged and illegally changing the locks. Any help is appreciated. Thank you!
Product: Prepaid card

* CARD No : XXXX XXXX XXXX XXXX * CARD Balance : {$300.00} [ CASE XXXX ] * Date : XXXX * {$50.00} * Place : XXXX XXXX  XXXX XXXX CaSE XXXX ] * Date : XXXX * {$88.00} * Place : XXXX XXXX XXXX  XXXX  I tried to use the gift card in the XXXX places mentioned above XXXX weeks ago, but it was rejected. 
Because we had this problem last time, I tried to make several calls to XXXX XXXX XXXX to solve this problem. 

So, after the call on XX/XX/XXXX, the XXXX answered to apply for a detailed claim at the bottom of the site [ https : //www.prepaidgiftbalance.com ]. So, I accessed the site above and proceeded with the claim process related to the card usage problem. ( I attach the claim process. ) After the claim process, I didn't hear any response from US BANK NATIONAL ASSOCIATION. I didn't even hear any explanation of the filing completion email and process after receiving the claim. In addition, I tried to make several calls about the progress to XXXX XXXX XXXX, but I couldn't connect. 

The {$100.00} card I received as a gift last time had the same problem, so I am very disappointed and angry that the same problem has been repeated in succession during the claim process. 
In addition, when selling, it receives an issuance fee, but when a problem occurs, a solution is almost impossible. 

I request a full refund of the {$300.00} gift card I have now.
Product: Credit reporting

I reported numerous charges/accounts and inquiries to the FTC. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, applied bank, XXXX and numberous inquiries
Product: Credit reporting or other personal consumer reports

I paid this card off in full {$270.00} on XX/XX/XXXX. They said that they would change my report to paid in full, {$0.00} balance and it says still owe the money. Also, they put a late payment on my credit report and its wrong, I called them and they sent me a letter of correction, it still hasn't been taken off my credit report as a derogatory mark as a late payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> [ Well fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Disclosure of Personal Information under 15 USC 6802 To Whom It May Concern, I am writing to dispute the unauthorized disclosure of my personal information by your company, which I believe violates the Gramm-Leach-Bliley Act, specifically 15 USC 6802.

Under 15 USC 6802, a financial institution must provide notice to consumers about its privacy policies and practices, and consumers must be given the right to opt out of the sharing of their nonpublic personal information with nonaffiliated third parties. I did not receive any such notice from your company, nor did I provide consent for my personal information to be shared.

It has come to my attention that my personal information was disclosed to [ Name of Third Party ] without my authorization. This unauthorized disclosure is a clear violation of my privacy rights under 15 USC 6802.

I request that you immediately cease any further unauthorized disclosures of my personal information and provide a detailed explanation of how this breach occurred. Additionally, please confirm in writing that my personal information has been removed from any unauthorized databases and that you have implemented measures to prevent such occurrences in the future.

Thank you for your prompt attention to this matter. If you require any further information from me, please contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX
Product: Credit card

I was charged interest on an Apple Card when I bought an Apple device. The agreement was that I was not to be charged interest. 

This problem has been identified by CFPB.
Product: Debt collection

Huber Warfield is trying to make me pay a debt for apartment I never stayed in. I live in Tennessee which has a 6 years limitation. The debt was created XXXX XXXX. That is 6 years. Today they increased the balance by {$20.00} which lowered my credit score on a debt pass it limitation and do not belong to me in the first place.
Product: Mortgage

I would like an explanation regarding my mortgage escrow account. I requested, by fax on XXXX/XXXX/XXXX, a copy of my escrow analysis. I called on XXXX/XXXX/XXXX to inquire about the status of my request and I was told that nothing was in my account regarding a request for an escrow analysis. I also learned that there is a shortage in my account. Attached is my XXXX from XXXX. How can I have a shortage in my account if I had a balance as of XXXX/XXXX/XXXX. Where is the excess amount applied and how is the shortage incurred? I am now questioning all the shortages I have paid in the past and whether I should receive interest.
Product: Debt collection

XXXX XXXX XXXX is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to notify you of fraudulent accounts on my credit report. I will be following up with the Consumer Financial Protection Bureau and filing a civil lawsuit for defamation of character because it is your duty to report accurate information. The following accounts listed below are fraudulent and I request that the information be blocked from my report. Under Section 1681c-2 of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report which is also attached, the information that I request to be blocked is listed below. This information is not relating to any transaction of mine. The accounts that are fraudulent on my report are listed below. I have also attached a Notarized letter stating it is in fact me sending out this dispute. This letter will be sent certified with signature. I expect that the accounts be blocked within XXXX days of receipt. It is illegal to do what you are doing to us consumers.
Product: Credit card or prepaid card

This started with a credit card charge being questioned for fraud. I received a call on XX/XX/2019 at XXXX XXXX  EST asking about a charge on the card that could be potential fraud. 

I called the Chase fraud department the following morning, XX/XX/2019 at XXXX XXXX EST and spent 20 minutes on the line and got the charge approved and cleared.

A few hours later I go to login to my Chase online account, that is locked. I call again, XX/XX/2019 at XXXX XXXX EST to have that unlocked and spend 40 minutes on the phone. 

I go down to the bank to pull money out of the ATM using my debit card, my debit card is locked. I go into the bank location, XX/XX/2019 at approx XXXX XXXX  EST and ask them to please unlock my card, the Officer/Relationship Banker, at the bank location calls someone internally at Chase. Has my bank debit card unlocked, I ask him if there are going to be any further issues regarding my accounts. He asks the person on the phone, they state no there should be no further issues. 

Neglecting to mention to me that my Chase Sapphire Reserve card being locked for up to 10 business days. 

So I go out to dinner and go to pay using my Chase Sapphire Reserve card, it is declined. I call the number, XX/XX/2019 at XXXX XXXX EST, on the back of the card, the lady explains to me that my account is locked for fraud investigation, but won't tell me anymore. 

I pay for my dinner with another card and call the number I had been given earlier for the fraud call I made first thing in the morning, this call is made XX/XX/2019 at XXXX XXXX   EST. The lady that answers the phone gives me more details and says the account will be locked for the next 10 business days and that there is nothing she can do about it and I need to contact the fraud investigation department directly, but that they are closed until the morning. 

This is unacceptable. Having ALL avenues of access to my accounts blocked is NOT acceptable, especially with no notice. Not through the secure messaging on the website, no phone calls, no nothing. 

Why wasn't I notified during ANY OF THE POINTS OF CONTACT DURING THE DAY?!? 

I initiated 4 phone calls and 1 physical point of contact at a branch location! Not one person could tell me that my card was locked for 10 business days?!
Product: Credit reporting or other personal consumer reports

TransUnion has already found the following XXXX XXXX XXXX XXXX Account as fraudulent, when following up regarding the fraudulent account for removal. They have refused to do so. CFPB has the previous complaint regarding TransUnion, which after their own investigation was conducted found fraud and has yet to remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter in the mail from XXXX XXXX XXXX and XXXX XXXX about the data breach that occurred in XXXX. I tried to log into the site they sent and I could not verify my identity because the questions did not apply to me. I called Equifax and they could not verify my identity either. I contacted consumerfinance.gov and they told me to file a complaint. The questions that are asked to verify my identity do not apply to me. I am worried about my ID being stolen.
Product: Checking or savings account

On XX/XX/XXXX I tried to access my checking account information and was in unable to get my information because my address was wrong, I have lived at the same address for 30 years. I went into the branch I have my account with and was told " someone '' had changed my address, the manager corrected my address but said he did n't know how it got changed. I was told by the manager that my address was changed on XX/XX/XXXX, I ask who changed my address he said he did n't know, he proceeded to tell me anyone can change the address on an account with out verification. I checked with another bank I deal with and was to there must be identification to change an address. I then contacted the Consumer Financial Protection. I contacted Chase bank again to find out why the misled me, which was a complete " joke ''
Product: Money transfer, virtual currency, or money service

I have uploaded my money on robinhood the amount wast XXXX on XX/XX/XXXX it said the funds will be availble XX/XX/XXXX. Once the funds were available i dispersed the funds in crypto to use the advantage to send my crypto to different wallets. Robinhood rejected the XXXX withdrawal request of {$1000.00} this i put in a request for support and support told me they could not help and it would have to be forwarded to higher support and a callback was requested but the company never filled the request. After that i invested my money into stocks to try and get some leverage of actually using funds selling stocks understanding stock market i attempted to transfer the money in to my debit card that again was rejected. Another help request was made with the support saying that it had to be forwarded up. I randomly get up to see my account is under some type and review and i cant get my funds out I should now have to spend XXXX with any company for this to happen to hold my funds period. You guys took the funds no problem when i need them dispersed back into my account there's a problem. I need my money back as soon as possible and will no longer be dealing with robinhood services and will advise and tell others of my issues
Product: Debt collection

Moved out of the apartment on XX/XX/XXXX. Received notice of debt XX/XX/XXXX. Have not received direct contact from reported creditor until receipt of NCS intial letter on that date. Returned notice to NCS via US Mail on XX/XX/XXXX. Received second letter from NCS ( dated XX/XX/XXXX ) indicating I had not responded to their first letter and they would report negative information to credit reporting companies, without providing the requested detailed.validation of the charge.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX Account Number XXXX Bal : {$300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Vehicle loan or lease

Auto Trakk would not use ( honor ) the Gap Insurance I paid for after my insurance company paid them for a totaled vehicle. The company is requesting I play the difference despite the Gap insurance. They are hurting my credit score.
Product: Credit reporting or other personal consumer reports

I would like XXXX credit removed from all three credit reports because I do not owe money to XXXX credit. This vehicle was sold.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX  regarding their failure to address and investigate inaccuracies in reporting on my XXXX, and Transunion credit reports. On XX/XX/XXXX, I sent a dispute letter to XXXX XXXX, disputing how this account is being reported on my credit reports. 

XXXX XXXX  responded on XX/XX/XXXX, stating that the account is reporting accurately. However, upon reviewing my credit reports, it is evident that the account is reporting inaccurately and with incomplete information. In response to XXXX XXXX  's inadequate resolution, on XX/XX/XXXX, I sent another dispute letter to XXXX XXXX, requesting a thorough investigation into the inaccurate reporting of this account on Transunion and XXXX credit report. 

The account in question was included in a Bankruptcy XXXX and should not be reporting negatively. Despite all payments being made on time according to my payment history, XXXX XXXX  has failed to update the reporting on my credit reports accordingly. 

From XXXX, it is apparent that payments were made on time from XX/XX/XXXX to XX/XX/XXXX. XXXX shows only one on-time payment in XX/XX/XXXX, with no data available before or after that date. TransUnion is not reporting any payment history at all. Additionally, there are discrepancies in the payment status reported by each credit bureau TransUnion is reporting as " unrated '' or " bankruptcy, '' XXXX is reporting as " current, '' and XXXX is reporting as " Included on Bankruptcy. '' In both dispute letters, I explicitly requested XXXX XXXX  to provide specific details about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from XXXX XXXX. 

On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX, urging them to rectify the inaccurate reporting of this account. According to the FCRA, creditors are required to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. However, XXXX XXXX  has failed to fulfill this obligation, thus violating my consumer rights under the FCRA. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into XXXX XXXX  's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold XXXX XXXX  accountable for its failure to investigate and correct the inaccuracies in reporting on my credit reports.