23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XX/XX/XXXX and XX/XX/XXXX, they were reporting my collection as if it was a revolving account and adding XXXX late notes. Every time I have disputed this information, the CRA removes my information for about a week, then re-adds it later with new dates, making it appear that I have had multiple delinquencies this year. This false information has caused irreparable damage to my credit score and I am asking that the CRA removes this tradeline from my report due to repeated use of false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I found an account listed from Affirm XXXX XXXX where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

we refinance our mortgage, and did not add the other parcel account to my account therefore, we have to come up with large amount of money {$9700.00} for escrow account I was not inform until 30 day 's before my mortgage is due in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Acct. Name Acct. XXXX  15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.
Product: Credit card or prepaid card

XXXX store finance card from Synchrony is a predatory company that no one should ever borrow from. They provide VERY deceptive information about " late payment '' fees and the date these payments due are revolving. The charge is absolutely absurd as well and once an account is " closed '' they wo n't work with you to resolve any issues only ding you with massive late fees etc and laugh their way to the bank.
Product: Debt collection

I have disputed this claim to no avail, that was listed on my credit report by Hunter Warfield account XXXX, I have never rented a rental property or have knowledge of one and believe this is a fraudulent account. I am requesting that this be removed from all of the credit reporting sites and my report permanently.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

XX/XX/2023 an account that I have no recollection of appeared on my credit for a balance of {$52000.00}. The company or creditor ( XXXX XXXX XXXX XXXX XXXX ) has sent me an affidavit to fill out, notarize, and fill out. They've also requested a photo color copy of my I.D, a police report and a claim from the consumer financial protection bureau.
Product: Mortgage

My home is currently under a foreclosure process, but I have been taken advantage and been treated unfairly as I have been assessed unfair fees, and was a homeowner subject to both unfair debt collection practices and predatory lending practices of my original lender HSBC ( Appendix B ). My state of Illinois and XXXX County attorney general filed former suits against HSBC, and subsequently they have quietly attempted to transfer ownership and obligation to another entity - XXXX. 
Without my knowledge or consent, my home was transferred to a private entity, XXXX XXXX XXXX XXXX, from a private sale for homes under distress. My servicer is now owned by XXXX, a global private equity fund, and is owned by a XXXX named XXXX. 
So XXXX has bought my mortgage in bulk auctioned deal, at a substantial discounted rate and has even been paid a big chunk of money that came out of my mortgage insurance. By not discounting the principal of my loan, the rich investors behind the XXXX make a windfall off of me. In addition, HSBC has continued the lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed. 
This can be confirmed and are on record from XXXX 's financial records website ( See Appendix D ). This entity has even represented themselves as being with XXXX as Trust for XXXX, however my lender and servicer are still listed as HSBC and XXXX respectively. I am advised that under XXXX, my mortgage could be considered a non-negotiable instrument. 
This practice is very unfair - how is it allowed that the private equity bigwigs get to buy my loans at a subsidy ( HUD ), but as a homeowner with a home under water, I do n't get a subsidy when trying to save my own home. They are profiting off of my distress. 
I have tried to work my old and new lender/servicer over the last year plus, but have not gotten any resolve or assistance. I have worked with my servicer and lender directly, HUD, XXXX County Foreclosure Mediation ( Honorable Judge XXXX XXXX ), and private consultation with an attorney. I was consequently advised to contact my local Congressman, National Association of Consumer Advocates, and Consumer Financial Protection Bureau on this matter. 
I am a previously unemployed, divorced father with XXXX children XXXX XXXX old, XXXX in college, XXXX, and XXXX elderly parent ( Mom, XXXX ) who I support and live in the home. My last few correspondences have only resulted in me being told to do a short sale or deed in lieu - transactions that would only benefit the lender/servicer. I was recently even told that a modification would not be considered due to the status of the loan and the fact that it 's severely under water.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 called the number posted to my report. After holding for almost 15 minutes, the agent told me to " call back later '' and wanted me to call a completely different department to talk to their fraud department. On XX/XX/19, a fraudulent hard inquiry was made to my Transunion report by XXXX/XXXX. I am attaching my police report I filed after becoming an identity theft victim. Transunion has instructed me to reach out to each company that has made fraudulent inquiries to my report, individually.
Product: Debt collection

A collection account by security credit services opened in XX/XX/2017 for the amount of {$1900.00} that I do not owe and have no knowledge of why Im being charged for this account. Ive repeatedly stated that I do not owe this company anything. The company has contacted me via phone and Ive told them I do not know who this account belongs to but it isnt mine. Ive reported it several times on the XXXX and XXXX credit bureau. It was removed off of XXXX  so I dont understand why it isnt being removed from the other credit bureaus.
Product: Credit card or prepaid card

On XX/XX/XXXX I signed up for the Chase Southwest Rapid Rewards Premier Card under a promotional offer for XXXX bonus points as long as {$2000.00} or more was spent during the first three months. On XX/XX/XXXX I was approved for a card. The promotional offer was being run for the entire month of XX/XX/XXXX ( a cursory internet search confirms this -- > XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I spent over the required limit within those three months and assumed that my points were accurately credited. Today, XX/XX/XXXX, I checked my points balance for the first time in the process of attempting to book a flight using points, and realized I only received XXXX points. I am a XXXX XXXX and traveling is something I do infrequently which is why I had n't noticed until now. I called Chase to try and figure out what happened. I was told by both a customer service rep and an account specialist ( AS ) that I was signed up for a different offer ( $ 1000+ spending in three months for XXXXpts ) and that I was not entitled to the XXXX points. I specifically signed up for this card for the XXXXpts offer being run ; the website promotional banners on the page at the time indicated that I the card I was signing up for had a XXXXpts promotion. The AS confirmed that the special was being run during the time I signed up for my card but that it was " past the 90 days to change the offer attached to the card ''. I asked the AS why I would intentionally choose to receive half the points if : ( 1 ) I spent enough to qualify for the larger offer and ( 2 ) if the XXXX point offer was even being run at the time since their was a better deal available. The AS said that unless I had screenshots of the sign-up page from the time I signed-up ( Who would even do that? ) there 's nothing to be done and I will not get a different answer from anyone else.
Product: Checking or savings account

Applied for a CitibPriority account and was approved over the phone. I subsequently provided evidence of signiture and they, without prior warning, closed my account. This happened while applying under a mailed ad for American Advantage miles which the bank clearly didnt intend to grant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccuracies on my credit report. Upon checking my report, there are now : 1. 5 inaccurate late payment statuses reporting on my credit XXXX report. 
2. 1 inaccurate late payment status reporting on my credit XXXX report. 
3. 2 inaccurate late payment statuses reporting on my credit Equifax report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.
Product: Credit reporting

A collection has shown up on my XXXX and equifax that is from XXXX, a company in kansas that provides electricity for homes and business. This collection is not for me, it is for my ex-fiances home. I was living with her from around XX/XX/XXXX until XX/XX/XXXX, and there were certain months that i would pay her bills buy putting them on my debit card if she was having money issues and also i was using the electricity also. The account was in her name, but since i had paid it majority of the months using my card, when she allegedly defaulted after we had split up and they could not get money from her they attached a collection to my credit reports. I have tried unsuccessfully to reason with the original creditor and the credit reporting agencies. The ironic part is i have westar energy at my home now, If i actually owed them any money, why would they have gone and given me another account years ago. This collection has hurt my overall credit profile with regards to obtaining preferable financing on homes and business loans, and on more occasions than i can remember cost me from obtaining new lines of credit with banks. My desired resolution to this issue is for XXXX and equifax to remove this innacurate collection from my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am not sure what all is deceptive with XXXX XXXX XXXX but i do know that negotiations for credit card settlements with the last account which is discover was first shown to be implemented between XXXX and XXXX of this year.. This changed upon accessing my dashboard with freedom debt relief to now show between XXXX and XXXX.. so for some reason, after funding a one-time XXXX payment last month and now another XXXX a week ago, nothing has changed. the account i set up with XXXX included 6 creditors and for about a year now only 3 have been shown to be paid off. two are in structured settlements but no movement whatsoever and the lthe last account negotiated settlement has not been reached albeit getting debits from my wells fargo account in the amount of {$110.00} every two weeks since XX/XX/2017 as well as additional deposits of {$1500.00} towards paying off this account involvement. Nothing is happening. Yet I discover fees of {$25.00} and change being taken out for XXXX fees each an every month. I was told that no fees would be accessed until after accounts were paid off but they are not moving forward and have stalled with pay off. I am very stressed out by lack of forward movement after 3 years of dedicated payments. When I went to Experian i was not able to register or access my account that was supposedly already set up. My credit score plummeted from the low 700 's down to XXXX .. I am really frustrated and need someone to step in and find out what is going on with both Experian credit bureau as well as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unscrupulous collector tried to put an account on my credit report from XXXX when I was a XXXX year old XXXX and changed date to XXXX and put it on my report last month in XX/XX/XXXX. A ploy that the credit reporting agencies should have easily corrected but they verified a totally false entry on my credit report as correct. XXXX did not fall for it but transunion and XXXX  allowed it to stay on my report which is illegal.
Product: Checking or savings account

On XX/XX/XXXX I opened a savings account with Upgrade.com that uses the XXXX XXXX XXXX XXXX 

Within Upgrade you can instantly connect to XXXXXXXX XXXX and from XXXX I deposited {$260000.00} into Upgrade. 

On XXXX I tried to transfer out {$100000.00} to XXXX and it said there was a limit. When I called Upgrade they said the withdraw limit was {$5000.00}. No where did I see such a limit before depositing or it wasn't prominently displayed.

The Upgrade representative told me I can pull from XXXX up to {$100000.00} per day if I connect from that side. 

So I decided to connect from XXXX side on the XXXX and XXXX deposited XXXX micro deposits into Upgrade. The funds would show up into Upgrade and I would verify it and the connection was established. BUT when XXXX tried to pull back the microdeposits XXXX XXXX said that Upgrade refused to send back the money which totaled only {$0.00}. 

So I tried XXXX more times on XXXX and XX/XX/XXXX and both times the money would go into Upgrade and verified but Upgrade refused to let XXXX take the money back. 

It seems like Upgrade has a deceptive practice of taking peoples money and refusing to return it easily. I needed the money for an investment yielding 12.5 % which is {$90.00} a day based on my balance.
Product: Credit card or prepaid card

I booked a trip through XXXX on XX/XX/XXXX of last year to go on a trip for 4 to XXXX, XXXX on XX/XX/XXXX. The whole trip including flight, airfare and hotel was {$35000.00}. XX/XX/XXXX XXXXurricane Dorian ( category 5 hurricane ) hit the XXXX and sat there for several days destroying the islands, hotels and the airport was under water. Flights couldn't go in or out for weeks. We decided to cancel our trip on XX/XX/XXXX as no flights were going in or out of the country. We then received a notice from XXXX that we would only be credited {$1000.00}. They charged us {$100.00} cancellation fee for the hotel room even though the hotel didn't exist anymore and told us our flight was non-refundable. I immediately contacted Capital One to dispute the charges as I had paid with this card. Capital One reached out to XXXX and XXXX advised they would give us a flight credit with XXXX XXXX that had to be used by XX/XX/2020. Capital One then dropped the dispute and closed our case. In XXXX of this year we began planning another trip to use our flight credits with XXXX XXXX before they expired. That's when COVID happened and XXXX closed its doors. Their website said to dispute the charges with my credit card company but because I had already done that months before it's Capital One 's policy not to reopen the case. We also contacted XXXX XXXX but they said that XXXX  still had our funds and there was nothing they could do- it had to be handled with XXXX . Now we're out an additional {$2400.00}. Please help us resolve this ASAP.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/, I same-day domestic wire transferred {$26000.00} from my XXXX XXXX XXXX XXXX XXXX ) Business Account ending in XXXX to Wells Fargo Bank ( WFB ) for beneficiary/account holder of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. According to XXXX, WFB accepted the wire on XX/XX/. However, the following week, my vendor XXXX still had not received funds into their account. When she called WFB, they told her that they were awaiting additional information from XXXX. I called XXXX and they told me that they sent the additional information. Still, the funds sat unreleased for a couple of weeks. On XX/XX/, funds had still not been released to the beneficiary and I initiated the wire recall to my bank of XXXX. I was told that WFB could take up to 24-48 hours to acknowledge the recall and from there, it would be unknown when my account at XXXX would again see my money returned into my account. Today, XX/XX/, I called XXXX to inquire the status and they told me that WFB has not yet acknowledged the recall and they do not have the ability to take funds back from them. My complaint is that WFB is illegally holding funds that do not belong to them, not informing their account holder or BofA of the status or informational needs to release funds and I believe that WFB is in violation of Federal Banking laws and consumer protection rights. I want either the funds to be returned to my BofA account immediately or released to the beneficiary that I originally intended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect date of last activity, term length, and incorrect payment history for account ( DEPTEDXXXX- XXXX ). Because the date of last activity, term length, and payment history being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account immediately!