23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, XXXX I bought XXXX XXXX 's gift cards from XXXX through XXXX using my Citi Double Cash card. When I was looking at my credit card statement on XXXX XXXX, I noticed a advanced transaction fee for {$13.00} and a minimum interest charge of {$0.00} which I traced it back to the transaction mentioned above. I spoke to Citi customer service twice and they mentioned that the charge was incurred because it was a quasi financial institution and they blamed the seller for the charge. On the other hand, on XXXX XXXX, XXXX I bought XXXX XXXX 's gift cards from the same seller through XXXX with the same credit card and yet no charge was incurred. This is the second time this has happened to me, the previous time was on XXXX XXXX. Similar situation, bought gift cards through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I received an email stating they had been contacting me and that my phone number is disconnected. I replied to them and told them that was lie and they had never contacted me. They ate trying to act as if I had no contact with them and they were not responding to me. I requested they send me proof. Of the debt and that they send me proof they had the right to collect on my debt. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law states any account on my credit report that is closed and they are reporting as open is against the law. They are reporting my account as open and is against the law
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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

In XXXX 2015 I discovered errors on my Equifax credit report that listed inquiries dated XXXX/XXXX/2015 that were not mine. I contacted the retailers in question and filed the first of XXXX disputes with Equifax. XXXX of the fraudulent inquiries is labeled as XXXX. After multiple written inquiries to XXXX Bank, as well as multiple telephone conversations and promises by XXXX Account XXXX Department, the fraudulent inquiry still remains on my Equiifax credit file. 
Also reference Equifax dispute confirmations # XXXX dated XXXX/XXXX/2015 and # XXXX dated XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, old credit card accounts, closed, sold to debt collectors. XXXX continues to send derogatory credit reports to the credit reporting agencies. This is unacceptable as XXXX no longer has any business at all interfering with my credit status.
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX, I logged into Discover Cards site and attempted to send a message to customer support regarding payment options after my layoff during the COVID-19 crisis. Accessing the Secure Inbox, I attempted to follow the prompts and select options to access relief but received the following message. 

Hold that thought! Sorry, we're unable to receive messages at the moment. Please try again later. You can also reach us via Chat or call XXXX for immediate assistance. 

Not wanting to sit on hold, I tried to find the chat function to no avail. 
I checked the mobile app but also could not find anything. At XXXX Central Time on Saturday, XX/XX/XXXX, I received an email from Discover that Important Changes to your Discover Card Account Terms Now Available. I attempted to load the link, but the URL would not load in three web browsers. Finally, I tried a fourth, which loaded a login page. After logging in, it instantly logged out. I tried the mobile app, which had a notice with a timestamp of XXXX XXXX. Sadly, selecting the notice resulted in the error that it could not load in app and to login to the website to see the notice. 

Finally, I called XXXX after XXXX on Saturday, XX/XX/XXXX. The customer service representative informed me that no new notice was issued, and that the last one was from XXXX of 2019. Because of the email and the in-app notice, I kept pressing, and ultimately, she said there was a notice increasing fees and penalties for missing payments. Due to the denial and reversal, I did not trust anything else she stated. 

The timing of the fee increases coinciding with a declared national emergency is too perfect, especially when competing banks are openly announcing relief programs for customers. Some might call it predatory. Specifically, it is as though they detected my partial attempt to communicate with customer service and placed me in a group of increased late fees to profit from my difficulties. In addition, I still can not access the notice and confirm what was relayed on the phone.
Product: Debt collection

They are double charging me for an eviction from 2013. Account : XXXX XXXX & XXXX XXXX They are double charging us for an eviction that we received XXXX 2013. The apartment complex sold the collection to a third party which is Procollect INC. They are in turn trying to double charge us for Insuffcient Notice Penalty charges in the amount of {$1300.00} times two for a total of {$2700.00}. A lease termination fee in the amount of {$190.00} times two for a total of {$380.00}. Along with the other ludicrous charges of resurfacing the tub in the amount of {$170.00} and shampooing the carpet in the amount of XXXX. I say this because there was n't any damage with the tub nor the carpet, both were very clean upon departure and we also did a walk out with the leasing office along with a checklist and nothing was wrong. Both her and I signed off on it! We only stayed in the apartment for a total of 3 months. It clearly states charges for " XXXX ''! As highlighted! Rent was {$680.00} per month. And with all these fraudulent charges we now have a grand total of {$5400.00} owed. This is bogus!
Product: Prepaid card

I was in the process of switching phones, updating my email address and phone number and cash app took my email and my phone number off my account why I cant get back into that account because theres nothing length to it so now I have a cash app card with my name on it and money on there that I cant access And they wont verify me to get it out act like its still open and it just doesnt let the transaction go through like theres the lock on it
Product: Debt collection

This is in response to a prior complaint, number  XXXX  to which the company insufficiently responded. Their response was : " We sent all needed information about each account. Consumer was not satisfied with his findings. We are asking if the loans were paid to only provide us with paid documentation. '' In fact the needed information for verification was not received. That information should include in writing : 1 ) The exact name of the original creditor or successor 2 ) Their mailing address 3 ) Dates of alleged loans, loan numbers and specific amounts together with any payment history Absent receipt of this specific information in writing, we will consider this matter closed.
Product: Debt collection

Prince Parker and Associates, contacted me multiple times about my payment of {$310.00} for a medical bill I owed. I paid them once on XX/XX/2018 and have a receipt for this. They sent me an email again on XX/XX/2018 and multiple letters in the mail. They called me again on XX/XX/2018 and told me the previous payment did not go through and collected another payment again from me which was processed on XX/XX/2018. When I was looking back at my accounts, I found that both payments were successfully processed. 

I tried calling them twice but it keeps going to the voicemail after a long wait time. I will try again but I would like to register this complaint so this does not happen to others. 

There are several complaints already against this agency when i looked online. I want CFPB to take appropriate action on this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute national credit adjusters that was deleted from my credit report. XXXX put the collection back on my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report listed below : XXXX : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$5300.00} XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX TRANSUNION : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Im formally expressing my concerns from Zelle as I have had numerous unauthorized transfers from my account. Ive continuously reached out to Zelle with NOOOOO response. Due to the findings that the CFPB proves, my concerns and request are apart of it.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries, as I have no knowledge of them and the company acted without my consent.
Product: Checking or savings account

My account was compromised and I spoke with the bank to fix this. Money was withdrawn through cash app, XXXX, and withdrawn using my card without a pin I reported this activity and added extra security and suspended all online service and the next day they reopened without authorization from me they allowed any access to my account I was informed they will put my money back in my account in XXXX hrs because of my hardship XXXX hrs which has passed they are not responding back Ive called left messages for a supervisor to call me twice this has gone unresolved
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

I applied for a credit card and was denied I contacted their underwriting department to fix a false and misleading denial of my unlimited credit based on title 15 subsection 1611 they have refused to fix this issue and is in violation of this title under federal law I have tried everything when I call they transfer me to the wrong department every time just trying to avoid me the company is American express
Product: Vehicle loan or lease

This letter serves as a formal complaint for improper use of my report that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. 

I also respectfully request to be provided proof of this alleged item. By the provisions of the consumer protection laws, I demand that if unable to provide lacking proof of these payments being late, please update payment history to PAANL status ( Paid as agreed never late ). 

It is my understanding that you must validate these items with the reporting creditor for accuracy, Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian and XXXX on XX/XX/2022, respectfully requesting to be provided proof of alleged debt accounts reporting falsely on my credit report, specifically requesting the contracts, notes or other instrument bearing my signature of accounts submitted and no proof was submitted to me. The results came back as " Updated or Verified '' only with no proof so I am filing a complaint for their failure to comply with my request under federal law FCRA XXXX provisions.
Product: Mortgage

Complaint on 1st Lien On my 1st Lien, Ocwen continues the pattern of behavior of the debt collector seeking to collect and enforce a nonexistent debt for a nonexistent claimant. 

In this particular case, The current debt collector '' / servicer is PHH Mortgage. 
The past debt collector / servicer was Ocwen Loan Servicing LLC The nonexistent debt is the primary lien for the property located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX. 
The non-existent claimant appears to be a XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series 2006-SA2. 


1st Lien History Ocwen Loan Servicing LLC was servicing my first lien just like my 2nd lien but was transferred over to PHH Mortgage in XXXX. 
In XXXX when I inquired about the owner of the note from Ocwen Loan Servicing LLC, they reported that XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, XXXX, Mortgage Pass-Through Certificates, Series 2006-SA2 ( See Attachment C ). 
In XXXX when I inquired about the owner of the note from PHH Mortgage, they reported that Ocwen Master Servicing, as Trustee for XXXX XXXX XXXX XXXX XXXX  XXXX, Mortgage Pass-Through Certificates, Series 2006-SA2 ( See Attachment D ). 
Looking at the difference, the trustee changed from XXXX XXXX XXXX XXXX to Ocwen Master Trust. With no legal claimant ( a person or entity that can show that they paid value for the debt- Virginia Code 8.9A-203 ), any proceeds or collections of mortgage payments go directly to Ocwen. 
Closing Thoughts on 1st Lien Just like the junior lien, there is an nonexistent debt from an nonexistent claimant/ owner. Again, Ocwen has taken advantage of this information and has placed themselves as the Trustee of the Trust. 

If I didnt have proof of what Ocwen did on my second mortgage, I would not file a complaint. But because, Ocwens wrongdoing on my second mortgage, the same can be said on my first mortgage. Ocwen / PHH Mortgage knows that there is no claimant / owner who has paid value for the debt- Virginia Code 8.9A-203. 

Please help me to get answers from Ocwen / PHH Mortgage and they need to be held accountable for their actions on the 1 Lien. In their defense, I am sure they will say they have the mortgage note but because of their past actions on my second mortgage, Ocwen / PHH Mortgage needs to show 1 ) Existence of the Lender and 2 ) Existence of the debt ( unpaid loan balance - Virginia Code 8.9A-203 ). Again if an audit was performed, I am sure all payments will show them going directly to Ocwen and not to a nonexistent claimant.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXX and or XXXX have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically XXXX XXXX XXXX XXXX ( correction of inaccurate information ) and XXXX XXXX XXXX XXXX  ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX M Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX  XXXX Dear sir, I have received XXXX letters from your office. Two of them were prepared on XX/XX/XXXX of XXXX and one had the confirmation # XXXX, which said the XXXX Credit card ending numbers XXXX was not on file. It is natural since this card was closed due to the illegal activities last summer, XXXX. 
Since these letters asked me to submit my identification documents, the copies of social security numbers and drivers license, I enclose with this letter. I believe your company has already had security freeze, since I have sent necessary documents many times to your company headquarters. If not, please let me know. I will send them again. 
Sincerely,
Product: Mortgage

XXXX sold my mortgage to mr cooper. They are missing or outright not attributing {$200.00} of principal payment I made to XXXX which is resulting in a higher balance than is correct. I submitted a ticket for investigation and the team found no error. My statement below shows what the math error is : " This letter has me utterly perplexed as your research team is either bad at simple arithmetic ( adding and subtracting ) or you're running some kind of racket. Either way I will be submitting a complaint with the Consumer Financial Protection Bureau as you will NOT be scamming me out of {$200.00} I paid to XXXX. 

For your reference : If a starting principal was {$200000.00} And the principal payments made on my end were as follows : - {$5000.00} on XX/XX/year> - {$190.00} on XX/XX/year> and- {$200.00} on XX/XX/year> That is a total of {$5400.00} paid toward the principal This amount less {$200000.00} is {$190000.00}. Your mortgage people have incorrectly attributed my principal balance since you bought it from servebank as {$190000.00} which is EXACTLY {$200.00} short.

Unsure why you all don't understand the very flagrant error you have made. While {$200.00} may be unimportant to you as a mortgagee this amount is significant to me. PLEASE RE-OPEN THIS for investigation and correction. ''
Product: Checking or savings account

On XX/XX/XXXX I opened an account with my wife, I gave Chase a {$16000.00} check and they had removed my funds on XX/XX/XXXX. On XX/XX/XXXX they had locked me out of my on-line account. When I inquired they stated they closed my account, no reason given. When I asked for my money back they stated they could not give it to me, that it would be mailed to me, which could take over a week. In the days of COVID money short how can they hold {$16000.00} of someone's money. It took them 1 day to get my money and 2 ( whenever ) weeks to return it. I have no reason why they will not accept my account nor any reason why I can not get my money.