23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, our automatically bank deducted mortgage payment was short due to a rise in taxes in Escrow. We were short {$270.00}. We never received notification from the mortgage company Mr. Cooper that our monthly payment had increased and we payed this electronically on the 1st of every month. I received a text on XX/XX/XXXX saying our account needed attention. I spoke with them on the phone that day, and they explained to us that there was an increase. We paid the additional {$270.00} that day and the representative explained to us it would no way impact our credit score. We then found out that our credit at decreased by over 80 points because the payment was  reported as late. This was only a partial payment was late. We still paid our monthly mortgage on time as we always do.
Product: Credit reporting

On XX/XX/XXXX or XX/XX/XXXX, I contact XXXX XXXX to make a payment for XX/XX/XXXX and XX/XX/XXXX. This is BEFORE the 30 day mark. The gentleman read off his disclaimer and thanked me for my payment. On the XXXX, I contacted XXXX XXXX again wanting to know if they were going to take my payment out of my account. She replied, " If you made a payment we 'll get it. '' I told her that I had made a payment and I was calling to let them know that a payment was made and it 's not reflecting on my bank account. She repeated her initial statement and I ended the call. On XX/XX/XXXX, I called to make a payment and the balance was higher than the month before. He told me that the check was returned for insufficient funds. That was a complete and utter lie. After reviewing my bank statement, there was n't a NSF credit due to trying to process a payment from XXXX XXXX. Finally, after speaking to a gentleman, he stated that " I was correct. It was n't for insufficient funds. '' Of course, I knew that. He told me that he was going to dispute the 30 and 60 days late on my report. It was removed and then mysteriously re-added. After going around and around with them they simply refused to admit that the error was on them not me. Especially, since they did n't attempt to deduct the funds from my account. They already have my banking information stored without my permission, so I did n't have to provide them with anything.Therefore, I should n't be penalized for it. I could n't see if I did n't have the funds availablity, but they simply did n't attempt to retrieve the monies. They have tanked my scores XXXX points due to no fault of my own and I am down right livid and the issue needs to be resolved.
Product: Money transfer, virtual currency, or money service

I tried to send the funds to my nephew in XXXX XXXX, via Paypal on XX/XX/XXXX ( transaction ID XXXX ). I had no problems sending money via paypal in XXXX years and using my bank account. This time, the PayPal system required that I log on to my bank account and that failed three times when PayPal would redirect me to log in. However, I could log onto my bank account using a different browser. I called PayPal and they said there was nothing I could do and it was my bank 's problem. I called my bank and was told that this was a PayPal problem. This had never happened before in over XXXX years. PayPal had never directed me to log into my account from their site. I ended up adding my debit card that is tied to the same bank account that is on record for my PayPal account. The transaction went through. However, I was now required to pay {$11.00} in fees to send {$200.00} to a XXXX account. If the money had been just deducted from my bank account as usual without using the debt card, the same transaction would have cost {$4.00}. I complained to PayPal and they have done nothing and refused to refund the difference. I feel like they redirect customers to log into their bank account so that when that fails, customers are forced to use debit cards for them to generate higher fees. For over XXXX years with PayPal, there was never direction to log onto bank accounts from the PayPal site and the fees were reasonable. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX FORMERLY XXXX ) XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX BANK/XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a loan modification and I was denied. The reason given for the denial is that the bank could not lower the payments even after a thorough review of my application and new financial information. 

The reason for the default is due to medical issues as I injured my XXXX XXXX and had undergone a XXXX and as such I was unable to work for almost one year. 

At this point I am able and willing to make the payments even if they are higher as there is sufficient income and as such I do not believe that my application for a modification should have been denied.
Product: Credit card or prepaid card

American express discriminated against me as a consumer. I was exercising my rights in good faith under the consumer credit protection act
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Debt collection

I am receiving e-mails and phone calls from ABC Financial regarding my old XXXX XXXX membership with requests to update my financial information as well as make payments. My financial information never changed from the original credit card I had on file, however, I believe they have not been getting the payment because the membership was cancelled back when the gyms were closed. 

I submitted an e-mail ( their required form of communication ) to ABC Financial with the cancellation request on XX/XX/2020 and never received a response. When I was charged the annual fee in XXXX, I disputed it due to the cancellation request submission. XXXX XXXXABC Financial resolved the matter and reversed the fee. The dispute was submitted on XX/XX/2020 and the annual fee was reversed and credited back to me on XX/XX/2020. My last payment for the membership was on XX/XX/2020 ; I do not owe anything on this membership after that. 

I followed up with ABC Financial by sending them proof of the cancellation request, my credit card statement showing them the reversal of my annual fee, as well as a request to refrain from contacting me regarding this matter as it should already have been resolved. ABC Financial/XXXX  XXXX continues to call me with requests for payment and threats to send me to collections for membership fees I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called on several occasions to notify XXXX that they are reporting erroneously due to the fact that I have been on XXXX XXXX for the last 15 -20 yrs. I requested them to contact to verify and Bill the insurance company, they also have duplicate reporting of the same account information at which I have also requested they fix their error. When I contact the office all they do is attempt to collect the money completely ignoring my request to speak with the director of operations and or their compliance department, still have not been able to speak with anyone othet than the operator who answers the toll free number. As well as experian dispute process not reporting my statement accurately. I also tried unsuccessfully disputing thru experian back in XX/XX/2019. XXXX is the collection agency violating my rights under federal law
Product: Checking or savings account

What happened is my problem is with chime bank! They are holding my money from me because they say no error occurred? The claim starts like this I was trying to get XXXX  on my TV. I could not get the form to come up and it did not.So a made a call to XXXX  about the form and the guy said no problem I will put it on your phone. The guy had access to my phone, while I was filling out the form he was going through my phone waiting for chime to send authorization for yes or no! And that is when he went into my account and wiped me out XXXX $
Product: Debt collection

This is not my account and it needs to be deleted immediately from my account
Product: Debt collection

XXXX, Portfolio Recovery Associates, LLC - I disputed this account XX/XX/XXXX I asked for validation and requested a cease and desist of all communication. I recieved a letter from Portfolio Recovery ( Highlighted Dates ). Every month sence then I have been recieved a letter from Portfolio Recovery. Some times twice in one month. I have XXXX letter sense XX/XX/XXXX. I wrote another cease communication letter and sent it certified mail XX/XX/XXXX asking the to provide me with the sign contract from the original creditor with my signature on it and to cease and desist communiccation again! Hopefully they will stop by if not I will collect that letter and send another complaint till CFPB punishes them with a harassment with a fine.
Product: Debt collection

XXXX bank amount XXXX I was in XXXX  at the time this account was open
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounta re erroneous and misleading causing negative impact on my Credit File? I previously requested for the investigation and correction of this account and yet the Credit Bureaus have done nothing. Let me remind the Credit reporting Agencies that they are obliged to investigate and update the disputed accounts per consumers requests under the FCRA regulation. Once again, I am requesting that the Credit Bureaus would take their time to THOROUGHLY investigate and CORRECT these erroneous account to report accurate information on my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$210.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$740.00} XXXXXXXX XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$98.00XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with honor finance they came and repossessed the car last year in XXXX however it reflects on my credit report that honor finance repossessed the car in XXXX of this year I have called honor finance and I have called the credit bureaus to dispute the item and have it updated correctly and have not gotten anywhere I even ask the credit beauru to ask honor finance to furnish the paperwork showing when they repossessed the car and they will not and the credit agency will not update my credit report to the accurate information that they repossessed the car last year in XXXX as a result when I have applied for new car loans I have been denied because this repossession Isvshowing they just repossessed the car in XXXX of this year this have made my credit score drop tremendously because I keep reapplying for car loans also it have severely tarnished my credit report and financial image to the point no one wants to give me a car because honor finance and the credit beaurus has been falsely and knowingly putting this inaccurate information on my credit report even after i have made many attempts to correct the report and yet even the credit beaurus have updated my report as accurate when its not accurate this in my eyes is a violation of my consumer credit reporting rights and Im asking that the Cfpb step in and render the appropriate action
Product: Mortgage

I Applied for a mortgage Loan Modification thru the mortgage service Bank of America on XX/XX/XXXX I submitted all required documents for assistance as instructed to by Bank of America in a timely fashion. On XX/XX/XXXX I received a letter from BOFA dated XX/XX/XXXX that my file was denied for modification on the letter it stated reason for denial of loan modification it read " The investor of my loan XXXX XXXX has not given BOFA the contractual authority to modify under the BANK OF AMERICA loan modification programs. My understanding this account is owned by XXXX XXXX  and my file should have been reviewed for the XXXX XXXX flex modification not Bank of Americas programs since its XXXX XXXX owned. The letter also allowed me only 14 days to dispute this denial reason, I was under the impression under CFPB guidelines consumers are to have 30 days to appeal the denial. I would like BOFA and XXXX XXXX to review me mortgage assistance under XXXX XXXX Flex modification
Product: Debt collection

XXXX XXXX XXXX has erroneously reported a collection to multiple CRA 's for a debt that is not mine, furthermore ERC reported this collection without contacting me, notify me of my right under the FDCPA or verifying the debt. 

ERC has caused material damage to my credit standing, reports, and scores, directly impacting my ability to obtain credit by reporting a debt that is not mine without any validation. 

The reported account numbers do not match account numbers I have ever had with XXXX, notwithstanding the fact that the account I had several years ago with XXXX  was pre paid and had no possibility to incur charges beyond the pre paid balance of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had written a dispute to the bureaus regarding their erroneous reporting on my credit file but until now have received no response and those erroneous report are still on my credit report. These accounts are still inaccurate, incorrect and misleading ; can not be verified nor validated : XXXX, Equifax and XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Student loan

I have been getting harassing and threatening letters from Nelnet for over a year. They will not help me gain access to their online portal, provide a description of the charges that created the debt, or even what the total debt is. They will not provide me with a way to even view the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Today I received a Capitol One debit card in my name I never applied for. My credit bureau reports are locked and have a fraud and identity theft alert on them. I called and they will not give me anymore information until a police report is filed. How are they able to issue credit card when my reports are locked? Do they ignore the fraud and identity theft alerts?
Product: Credit reporting or other personal consumer reports

I was looking for a better options on my auto lone on no hard Inquiries companies and I did not authorized any hard inquires to ONEMAIN, ONEMAIN multi times gave me hard inquires without my permission and I tired to contact ONEMAIN and No contact information has been reported by this creditor. 
Please I demand to take this creditor inquires from my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my ongoing issue regarding the collection accounts being reported on my credit report.
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 XXXX Account NumberXXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : SXXXX XXXX  Account NumberXXXX 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.