23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First and most important, after I summited to them the amount of $ XXXX on a {$80.00} dollar loan I saw that the outstanding loan balance had not decreased at all. So I reached out to them for an itemized account of the distribution of the funds just paid. After several attempts to reach them through my VA HUD Rep., contact was made. The result of the contact was information on how to request the requested information. Note : It seems as if after the receipt of the XXXX they've been unwilling to communicate with me. I have per their own instructions written and requested the following without response. 
1, A complete breakdown down of the funds being applied. 
2. Ballance of loan or payment coupons. 
3. My relationship manager will not return calls to me or my HUD Housing Counselor to move forward with obtaining the pre-described information. 
Additionally : after 6 years with not one credit report from them and after they received funds as negotiated sum, they punitively reported delinquents to the credit reporting agencies.
Product: Mortgage

SLS XXXX mistakenly sent my XXXX XXXX XXXX XXXX real estate tax payment to the wrong place. Following about 20 telephone calls over the course of three or four months it now appears that they have paid XXXX XXXX effective XX/XX/2022. However, they have sent me a letter stating that I was delinquent and that therefore they insist on reinstating an escrow account to my mortgage loan.SLS has no authority to unilaterally add an escrow account to my loan since it was they who were mistaken and not I who was delinquent. I have asked that they provide me with proof of payment to the county, verify that I am not in arrears with any taxing jurisdiction, and that they will remove the escrow account from my loan. They have been very difficult to communicate with and refused to honor my request and communicate with me. 
Please note that for the first year of my mortgage loan XXXXI had an escrow account. However, I deleted the escrow account based upon their poor performance.
Product: Debt collection

I am a XXXX customer. I moved apartments in XXXX and was told to keep my equipment ( modem and router ). I kept my equipment and set it up. The equipment did not function in the new apartment so I was sent new equipment and was not notified electronically or called to return my old equipment. Today I received a call from a debt collector saying I owe XXXX {$120.00}. I pay all my bills on time and I believe XXXX  was reckless in this situation for not notifying me that I owed them equipment. I didnt receive notices or anything. This may be because they sent them to my old apartment but that is their fault, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reflecting an account *In Collection* by a XXXX XXXX XXXX ( Accnt no. XXXX for {$620.00} ) which appears to be a collection company. I filed a dispute advising that this account was not mine as I have no dealings with XXXX XXXX XXXX and do not know where or how this account originated. TransUnion returned the response in 4 days that the account was " verified as accurate '' but with no new information or indication what investigation into the dispute was done. 

All I want to know is where this account came from and how it ended up on my credit report.
Product: Checking or savings account

So I accidentally made a XXXX  transaction to the wrong person on XX/XX/XXXX. I reached out to the person that it went to and got no response. So I then made a claim through Chase Bank which is my bank. Which escalated to a XXXX  claim. I have been getting the run around about it since. One person will tell me okay it's still in process then another one will say that the claim has been closed. I have never in my whole live have gone through such an issue like this with any bank I have ever banked with. Whenever there was an issue they simply refunded my money. That is all I'm trying to do with Chase. I have been dealing with this since XXXX. If Chase is big on striving to make a customer happy they are not doing their job. All I want is my money refunded.
Product: Student loan

I applied for PLSF on XX/XX/2023 through XXXX. I applied to consolidate my loans appropriately, too. I got an email on XX/XX/2023 telling me that no further action was needed. When I checked the website next, in early XXXX, it said that my e-signature request has expired. XXXX does not allow me to register an account, which I was instructed to so to upload my signature. I don't know how to reapply for PLSF, and now I have an IDR Plan Request on my account pending. I want PLSF. I saw EdFinancial has been sabotaging these applications and I am worried it happened to me.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXXXXXX XXXX  XXXX XXXX LA XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX  XXXX Balance : {$520.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to CAPITAL ONE XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONEs customer service representative.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. 

This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and XXXX XXXX, and I kindly request your intervention to resolve this matter appropriately. 

I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, They failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms. 

I kindly request that the CFPB instruct this agency to conduct a thorough and reasonable investigation into the disputed information and provide me with a written response within the stipulated time frame. Additionally, I request that the inaccurate information be promptly removed from my credit report due to my rights being violated and sending multiple disputes in the past with no resolution.
Product: Mortgage

File was denied due to credit score ( when I applied that was not the case or they would have denied at application ), when in fact it was because they missed the FCRA deadline for a credit decision. So they issued a new loan package, with higher rate/fees, and 20 days after that denied the loan without specific reasons or any call from lender. We received the adverse action notice roughly 10-15 days after and said simply loan didnt meet guidelines- zero further explanation or communication, so this was on roughly day 60 from the initial application. I asked for specific reasons for denial and never received any further communication. The customer service was a lot worse than all of this, but I plan to seek legal recourse for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I mailed a letter to the UNITED STATES BANKRUPTCY XXXX XXXX XXXX XXXX XXXX, asking do they report bankruptcies to the credit bureaus OR any Consumer reporting agencies and the COURT sent me a letter back stating that " They do not report any information to the Credit bureaus and they are not responsible for verifying or validating Information from consumers credit files. So how did XXXX XXXX verify this allege bankruptcy as a 100 % ACCURATE. 


XXXX XXXX violated my Federal given rights under 15 USC 1681.

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

According to the FCRA : 15 U.S.C 1681 section 604 Section 2 : it states a consumer reporting agency CAN NOT furnish a CONSUMER REPORT without written instructions OF THE CONSUMER TO WHOM IT RELATES.

According to the FCRA : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

So now since XXXX XXXX Can not provide with the Permissible purposes document that shows that I the consumer give them written instruction to furnish, Publish or sale my consumer report to anyone. they have just committed AGGRAVATED IDENTITY THEFT. 

According to : 18 U.S.C 1028 - AGGRAVATED IDENTITY THEFT ( A ) ; Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

I also contacted PACER and they told me that the information may not be a 100 % ACCURATE therefor they can not PROPERLY VERIFY This account as ACCURATE. and they do not give out XXXX on Bankruptcies.
Product: Mortgage

This complaint is in response to Fay Servicing 's response for a previous CFPB complaint # XXXX. In Fay Servicing 's response, they stated they would not use my worker 's compensation and XXXX income for Loss Mitigation because they are temporary. Yet, this income was used to approve a trial modification in XX/XX/XXXX. There is no way to know how long my injury will persist, yet Fay Servicing is offering no other option than to foreclose on my home. There have to be multiple borrowers who have a hardship such as medical, who are not foreclosed on as a result. 

Fay Servicing also stated my loan was an FHA loan from XXXX until XXXX, when it was sold to another creditor. The selling of the loan and/or its servicing rights does not change it from an FHA loan XXXX a conventional loan. Fay Servicing seems to think that was a normal occurrence, rather than locate the error and correct it so the loan can be serviced correctly.
Product: Credit reporting or other personal consumer reports

I am refiling my complaint with CAPITAL ONE through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, CAPITAL ONE maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges. 
The investigation period has extended beyond 30 days, during which CAPITAL ONE claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 
I am reaching out once more in the hope that CAPITAL ONE can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that CAPITAL ONE will uphold its commitment to maintaining the integrity of the credit information it provides.
Product: Bank account or service

I called to put a simple travel notice on my account and ended up being placed on hold XXXX different times and ultimately having my account locked when I leave for vacation tonight. Ally will not transfer or release any funds until their fraud team calls me back in XXXX hours- which I wo n't be able to accept as I will be abroadXXXX took XXXX mins to offer this service to ensure I can get access to my own money. Ally abused it 's power to hold my money and inflicted great personal harm on me with this delay and lack of access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previous complaint I submitted was resolved with satisfaction. I received a refund and enrolled in covid assistance. After I received the refund the balance was added back to my account as agreed, however my credit limit was reduced. The limit reduction with the balance added back significantly impacted my credit score. This is not align with the Fair Credit Reporting Act. The company decided to refund the payment to assist with my hardship. My credit limit was {$15000.00} and reduced to {$4500.00} on the statement dated XX/XX/XXXX. 

Ive contacted the company for an explanation of the reduction as I have never had a missed or late payment. Ive contacted the company to increase my credit limit. As of XX/XX/XXXX I have a balance of {$18000.00} with a credit limit of {$4500.00}. I am enrolled in the Special Program that require auto draft of {$390.00} every 14th of the month and freezes card use while enrolled. My credit limit needs to be increased back to the initial limit while Im in the program and unable to use the card. The current credit limit is not an accrual reflection of my account and is unfairly impacting my credit score.
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 : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX a fraudulent application for credit was made at US Bank. The criminal used a fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank populated this address to XXXX who listed it as my primary residence address. I filed a CFPB complaint against US Bank and XXXX on or about XX/XX/XXXX and the issue was resolved. 

But now I find out the issue was NOT resolved. In addition to reporting the fraudulent address to XXXX, US Bank also reported the fraudulent address to XXXX. I have tried to contact XXXX about this and they refuse me access online. They also refuse to delete the fraudulent address unless the data furnisher, US Bank, contacts them to request removal. 

US Bank failed to delete the fraudulent address from all entities they reported it to even though at the time it was reported US Bank clearly new the address was from a fraudulent credit application. 

XXXX refuses to delete fraudulent information from my credit report in violation of the FCRA. I fully intend to bring legal action against XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried several times on the Experian website to get my score but it kept giving me an error message. My real complaint is that when I tried for hours to get customer service on the phone, I was never able to get a live person to assist me with the internal server error message. I tried every possible way and telephone prompt to get someone to talk to me but nobody in customer service existed. The entire experience was a nightmare. Worst Customer Service EVER! The error on the website ( after I was already logged in ) was " We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX Hours of operation : Mon-Frid ... '' My question is why in the heck would a business indicate I can call for assistance, when it is a perpetual loop of an automated service, that can not help me get my score, no matter which prompt I select, I could never talk to a live person and received no guidance to get my score.
Product: Vehicle loan or lease

On XX/XX/XXXX Prestige Financial in XXXX XXXX XXXX, Utah, told me in email that unless the past due balance on my loan was paid the vehicle would go to loss mitigation. I was told the vehicle would be repossessed involuntarily. On XX/XX/XXXX XXXX Prestige Financial in email after being asked if XXXX, my normal monthly payment was made, if the vehicle would be repossessed or go to loss mitigation, they, Prestige said it would not. 
I sent a reply via email on XX/XX/XXXX stating that there were two different statements, the one from XX/XX/XXXX saying if the normal payment was made, the vehicle would not go to loss mitigation and the one on XXXX stating it would. At least two more times on XX/XX/XXXX in a series of email responses I was misled, being told the XXXX email was correct, then subsequently in the same conversation being told if XXXX was made as a payment it would not go to loss mitigation. There has been a history of accepting different payment amounts, threatening loss mitigation, then saying it will not go, today on more than two occasion Prestige has directly contradicted their own statements on loss mitigation and re possession.
Product: Credit card

I have 2 cards they closed my account in ... capital one closed 2 cards and I've never been late, I have 100 % exceptional payments with XXXX .... I'm a new card holder and in the policy if you make 6 on time payments in 6 months you automatically get an increase... .I started out with a {$300.00} limit and made 100 % exceptional on time payments according to XXXX ... .they never gave me my increase and i reported it to you all .... someone on the inside said capital one retaliates against card holders if they are complained on... they are low down and now have closed both accounts and I have never been late.my due date isn't even near ... I called once again and got the run around... if you people had me in person and could see all XXXX XXXX XXXXXXXX I've put up with on paper, you would see my complaints are more than legitimate
Product: Checking or savings account

To whom it may concern I transferred my money from my XXXX XXXX XXXX account to my citi bank checking account to use my funds after I transferred i wanted to use my funds and my account got blocked on XX/XX/2023 today XX/XX/2023 they told me they closing my account and stating i will receive my funds XXXX days im depending on my savings money there was no reason to block my account and now i dont have access to my funds.
Product: Credit reporting or other personal consumer reports

Recently i did a investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>