23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid my car not and then same day I paid it off through refi. I called them to ask for my payment back but I got no response. They then stated that any money over they would send back. I refinance the truck and then I saw my credit report where they said I was late. I have never been late. I kept calling asking for a letter to reflect never later and they kept sending me the payment history that shows never late. I asked them to take it off and they will not
Product: Credit card

I am starting to be harassed by phone for credit card collection. I want Discover to cease and desist contacting me by phone for collection on my Discover credit card account. I have other credit card companies that have used harassment by phone for this reason and reported them and the credit card companies quit calling me. Please contact them and let them know that this type of harassment is illegal. 
Contact information : Discover Card information : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX IN XXXX SS # ***********
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX, XXXX XXXX, has violated my rights. 

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 an 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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had completed nothing to correct my Credit Report and eliminate the XXXX XXXX totally from my Credit File. I have been sending uncountable letters appealing to Transunion to confirm the disputed accounts and take out them if unable to show that the accounts are mine. I have been a victim of Identity Theft and the accounts I am disputing do not narrate to any business that I have made or approved. I talked to the banks and they agreed to DELETE all the accounts from my file but TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When being asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. I need these accounts deleted based om FCRA laws only : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

The ballance transfer was initiated on XX/XX/10 based on the special offer of {$0.00} fee and 0 % APR for 15 month. 
Today the request was completed with {$130.00} transfer Fee and??.?? % APR. 
The initial offer was removed from web site. 
The WellsFargo representative does not recognizes the XXXX XXXX fee and could not provide the APR for the 15 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

it started in XXXX when my wife passed away. i have a mortgage with this company and i called them after my wife 's passing and talked to XXXX XXXX a senior loan officer with the company and asked about a lower interest rate and payment since my income had dropped with my wife 's passing. he said sure they would work on it and they did and i started talking to XXXX another associate and was told by XXXX not to make XXXX payment which I did after it drug on and then was told not to make XXXX or XXXX payment so i waited and finally in XXXX i got an email with a revised mortgage plan and i looked at and sent it back. then i got a closing XXXX XX/XX/XXXX from XXXX XXXX another sales manager.i looked at and signed it and sent it back. then XXXX called me and needed a copy of my wife 's death certificate and i sent it to XXXX XXXX XX/XX/XXXX then i checked my email and it said that my application had been closed.with no explaination. i have called these guy 's several times with no response and emailed them several times with no response. now i find out that it shows a late payment for XXXX on my credit report. i made all the payment for XXXX on the phone to get caught up and mailed the XXXX payment the same day..i found out they told me not to make the payments so it would show on my credit report so that they could keep my business.I need some answeres to why suddenly they closed my application. i made payments to them for a year with non being late. i had the money to make the other payments but was doing what they asked me to do. need that late payment off of mt credit report.Thank you i need help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to correct my address on my report. They wo n't show my home address and want to show a business address. This is a major negative impact on my credit score because my credit is based on my home address NOT where I work and Equifax for months has not corrected this error despite my constant and repeated request for them to do so.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, 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 these accounts though your company claims to have verified these. 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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, 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 XXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Bank of America is currently reporting unfair information to the XXXX and my credit profile. They are reporting that they closed my checking account due to suspected fraud. At no point in time did they attempt to protect me. I never received any written correspondence from them, nor, was any such investigation conducted to confirm the suspected fraudulent activity. They just closed my account and unfairly reported this information. Because they did not confirm fraudulent activity, take a financial loss or seek litigation ; I am respectfully requesting that Bank of America remove this negative information from my profile and that they are sanctioned. 

I was seeking employment on Indeed. A work from home position as a XXXX XXXX  XXXX. A employer contacted me via XXXX  and extended an offer to me. They told me everything was done online and that I would be mailed out a check for me to deposit to purchase the equipment I needed. Upon depositing the check, it bounced and Bank of America threw the book at me instead of trying to help me. I was the victim. I had a long relationship with them and had NEVER bounced a check with them.or anyone else! They should do the right thing right now and remove this information. Thank you. 

Kind Regards, XXXX XXXX XXXX
Product: Checking or savings account

I saw that cashapp recently opened a savings account I did not consent to opening. The transaction to open the account said {$25.00} from my XXXX account card was put into the new savings account XXXX XXXX XXXX XXXX XXXX This is not possible because the savings account wasn't open at that time ( a Year ago! ). I recently used XXXX through my bank for the first time less than a Month ago
Product: Checking or savings account

My Dad died ( XXXX XXXX XXXX ). His funds go to me upon death. I have not received them, and I have tried multiple times with no luck. Probably 20 visits to the branch, checking mail each day, emails, phone calls. Chase Bank has all the legal paperwork. I wait in their lobby, I have to take off work each time. My child is on tow, XXXX XXXX XXXX XXXX old each time. I could be using this money for hurricane Milton damage, this is ridiculous, that nothing is being done beyond the declass lost check form. Does it work on the tenth time the form is submitted? I had to follow up on another account too, but I did finally get the funds for that one. I talked to a couple other branch managers today at XXXX locations via the phone and they say just to deal with same branch. I have done that ... .that did not work. The problem I was told several times has also been escalated, whatever that means, because still no check. What isn't something else being done? What is this taking so long? Why is the same solution being done over and over, but getting zero results to resolve this? I do not know what else to do, but file this complaint and hire an attorney. I have copied my dad 's death attorneys on the letters I have written. Tomorrow, I also plan to write the corporate office in XXXX, as well as XXXX XXXX. I am going to keep going till this issue is resolved. I can't believe banks get away with this kind of treatment. Account number XXXX his dob. XXXX his ss XXXX XXXXXXXX
Product: Student loan

The card that was provided wasnt a credit card. The card was a debit card. XX/XX/2019 spoke to collections department. He stated the debit come in their system as a credit card. Which isnt the case. We called on XX/XX/2019 to enrolled in the program. Its not our fault their system stated its a credit card. We dont have credit cards. In the past we did talk to their customer advocate team and they never answer their phones. We had a person assigned to us name XXXX and she never return phone calls. The same number Navient provided we call before, which is XXXX. This company provided incorrect information to XXXX XXXX. Im willing to work with Navient. But different agents provided different answers. I would also like for the call on XX/XX/2019 to be pulled. Card ending with # XXXX was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I have issued the laws and attached all needed documents to the Consumer Reporting agencies and they have resolved the issue with my identity theft that results in accounts being opened in my name. 

it is stopping from providing, for my family and it's not allowing me to properly shelter a home i want these accounts Deleted.
Product: Mortgage

We live in a FEMA declared federal disaster area in Louisiana ( Flood ). Was told by Ocwen, the company that holds our mortgage, that we could enter into a loan modification program set up for everyone effected by this disaster to help them get back on their feet. The plan was we did not have to pay our monthly mortgage for 6 months, and that the amount would be added to the end of our loan. We asked if this would affect our credit in anyway, and were told no it would not, so we agreed to the plan. Fast forward ... went to buy a new car and found out Ocwen reported each month as late/not paid! Contacted them via phone and was told they did not report anything negative on our credit, even as we looked at the credit report printed by the car dealership and read it to them to prove otherwise. Furthermore, today we went to our bank XXXX to see if they could help us by taking over this load and we deal with them, they said yes, until they pulled the credit and found out Ocwen 's reporting took our good credit of XXXX and dropped it to XXXX!!!! So, this company that was willing to help their customers in the flood disaster, then turns around and screws us! We have spoken with them several times over the past two weeks, each person has something different to say/lie about, and none of them are on the same page with information. Also, they lied about adding the payments to the end of the loan, and now expect us to pay a double note each month for the next 6 months of {$2000.00}!!!!! AND will continue to report to the credit bureaus each month as delinquent!!
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 this item has violated my rights, 15 USC 1681 section 602 A 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 an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 INQUIRY-XXXX INQUIRY DATE XX/XX/2023
Product: Mortgage

Hi! 

I originated a First Time Homebuyer mortgage ( through the One Mortgage Program ) with Rockland Trust in XXXX. In XX/XX/XXXX, I applied to refinance the loan with Rockland Trust. I was ultimately approved and closed on a 20 year fixed rate mortgage refi. However, I didn't find out until the day OF closing that I would be required to hold PMI with the refinanced loan. Under my previous mortgage, PMI wasn't necessary. To my knowledge, none of the paperwork I reviewed prior to closing ( throughout all of the emails, documents, and discussions I had with the bank to complete the refi ) mentioned that I would need PMI. I didn't find out that PMI was necessary until I read it on the paperwork at my lawyer 's office, on the day of closing. I went through with the closing since I was already at the lawyer 's office and all of the paperwork had been complete. I called the mortgage representative at Rockland Trust while I was at the lawyer 's office, but he just apologized and stated it was required. 

It's not a huge sum of money, but it extends the amount of time it will take for me to " break even '' in closing costs for the refi by a few months. I reached out to both the Lender at the bank I was working with, as well as Customer Service through the Online Banking message feature. However, no one has escalated this to a manager at the bank, which I've requested repeatedly. I'm looking to see if,  given the circumstances, the bank would be willing to refund some of the closing fees, to make up for the PMI that I must pay for 3 years. I likely would have waited to refinance the mortgage, had I known that I'd be required to pay PMI. 

Thank you!
Product: Debt collection

They keep putting a debt on my credit report for a college i never attended because i never even graduated high school yet somehow i owe them {$1200.00}? To add insult to injury i was told the original debt is over 7 years old. I have disputed it several times with the credit bureaus but have gotten nowhere.
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/2021, I received a telephone call from XXXX. They were calling to verify a purchase in the amount of {$1400.00} for a cell phone. The transaction was flagged because the purchase was made in California, and I in New York. I was informed that I was speaking with XXXX XXXX from XXXX XXXX XXXX XXXX, and was given a call back number ( XXXX XXXX XXXX ) in the event we were disconnected. I was also given a reference number XXXX XXXX. 

Once we established that I did not make the purchase, he asked if I would accept a refund in the amount of {$1400.00} and could the refund be deposited in my Citibank account ending in XXXX. I agreed, and he asked me to check my account to see if the {$1400.00} had been deposited. I opened my Citibank account on my computer and saw a deposit of {$6200.00}. He then seemed horrified that he had made an error, and would check with his Manager to find out how he could reverse the transaction. He came back with a solution. I would have to wire the overage to him, which I foolishly did. I was not suspicious since this was a Citibank Checking Account Interface with the amount in question visible in my account. 

Within minutes of this transaction, I decided to call Citibank, at which time I was told I had been defrauded. I have been in contact with Citibank several times regarding the possibility of my getting the stolen monies back ( See CIT XXXX ) and was informed on this date that the case is now closed. I was also told that because I had sent the funds, there was no way for Citibank to retrieve them. Upon checking, it was found the funds appeared to have been forwarded to XXXX XXXX XXXX, but for some reason, the {$6200.00} deposit transaction does not show up in my Citi account. I have since been to my CITI XXXX to open new checking and savings accounts and close the affected accounts. I also redirected all direct deposits to the new accounts. Additionally, I've scrubbed my computer, and put a monitoring system in place. There was also an administration fee of {$500.00} debited from my checking account by the same individual. 

The fact that I lost those funds is distressing to me. I feel that my information on file with Citibank was breached ; otherwise, they would not have known I bank there and would not have had my account number. Why would I assume this was a scam? I have been a CITI member for well over 35 years and have never had a problem such as this. I am a senior, and these COVID times have been emotionally and financially distressing. 

I am surprised by the negative decision and lack of a solution to reimburse funds stolen from me from my account on your secured site. 

I am currently on Social Security and Unemployment ; and with the cost of health care alone, I'm struggling to make ends meet. Anything you can do to return the funds to me would be extremely appreciated.
Product: Mortgage

I saw a house that I want to buy sometime first week of XX/XX/XXXX. I contacted RANLIFE INC on XX/XX/XXXX to get pre approval for XXXX with 5 % down payment. I got the pre approval on the same date. Then I started contacting agent to start the purchase agreement. On the process of negotiations, we were able to negotiate to get the closing cost be shouldered by the seller but in exchange, the price need to be adjusted to XXXX. Lender was contacted if XXXX is still ok to proceed. A go signal was given. We proceed and closed the purchase agreement on XX/XX/XXXX. 

then somewhere along the process, the lender contacted me and said that I need to put more money as the numbers are tight after sitting it down with the underwriter. He said I need to put 10 % DP and that can make it work. He asked me for XXXX ( XXXX earnest included ) total and need to payoff car and credit cards. On my effort and following some of his advised, I was able to get and readied the funds I need for this house. 
Then just this XX/XX/XXXX, we got a call from our agent saying that the lender decided not to approved the loan for this property because they said its more a commercial property and not residential because of the adult care home business that it currently on going on that house. They said that they do not cater commercial loan. 
The problem is they should have told me this earlier. I should have not wasted time and money and underwent emotional stress if that house is not qualified in the first place. He knew from the start that there is a adult care home on that house and its also mentioned in the purchase agreement and even on our mail and phone conversations. He even gave us assurance letter so that we can proceed with our paper works and the owner to give 30 days notice to the current residences. 
He should have not let me continue and spent my resources and money to get ready for the closing. Initial closing date was XX/XX/2019.
Product: Checking or savings account

Navy Federal were allowing my card to go through knowing I didnt have funds in my account to the point I was receiving overdraft fees Im not quite sure the date but I called there collection line to pay the money back due to them closing my account.
Product: Debt collection

On XX/XX/2019 I was checking my Credit Bureau Reports and notice a collection account on two of my Credit Bureau Reports. Mainly XXXX XXXX and XXXX Reports from MidWest Recovery System for {$1200.00}. This Collection Agency have violated 809. Validation of debts, by failing to Validate this debt and to give me a right to dispute this collection within 30 days from notification. I have no clue who they are nor the Date of debt or the original Creditor. They have used two different mailing address and contact numbers to report this collection on the credit Bureau 's with partial display of a account number. This Collection Agency have failed to send me a notice of debt before reporting it to a Credit Bureau. I have not been given the Right to dispute the debt in pursuit of section 809 of The Fair Debt Collection Practices Act. I live in the State of Texas and we also have a Stature of Limitation.