23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. 
Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 anteda
tes 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

i have this collection on my report from Transunion and only Transunion its not mine. I sent them a letter asking for proof or some sort of account information. They sent back a letter saying verified. no proof given at all. Just XXXX work Verified. How? Who? They dont want to say, Please delete it asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score. 

Do not ignore any evidence of account re-aging. 

Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made. 

A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date. 

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
THEY HAVE REAGED MY ACCOUNT DATES TO 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcXXXX XXXX XXXXXXXXwhich they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXXt was sold to XXXXXXXX XXXX XXXX  their sister company..it 's not with XXXX XXXX ... .nothing but stress and years of them taking advantage of me..
Product: Money transfer, virtual currency, or money service

I USED OPC NOW CALLED ACI TO PAY MY FEDERAL TAX BILL ON XX/XX/2022. ON XX/XX/2022 I RECEIVED A BILL FROM THE IRS THAT I OWED {$2700.00} AND THAT THEY HAVE NOT RECEIVED ANY PAYMENT FROM ACI. IT IS IMPOSSIBLE TO CONTACT THIS COMPANY TO RESOLVE ANY ISSUE. 

OPC* US TREASURY PAYMENT PM XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX THIS PAYMENT WAS WITHDRAWN FROM MY XXXX XXXX BANK ACCOUNT ON XXXX
Product: Checking or savings account

Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

After obtaining the home loan and monthly payment amount in XX/XX/XXXX, a cash plan set forth to pay every two weeks half of the monthly payment. The loan company from the first payment did not correctly disperse the loan. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the loan company placed three ( 3 ) to four ( 4 ) checks towards monthly payments, none to principal curtailment, then the following month only place one cash amount. The loan company then proceed to call and harass for late fees. The loan company would use the now later payments to apply for the month instead of the early payments, causing an extra two weeks of interest paid, instead of decreasing the principal. Not using the amounts accurately would lead to not recognizing the fourth curtailment within the year 's time. The company was contacted in XX/XX/XXXX when the first issue happened, and in XX/XX/XXXX, when the second issue occurred, at which time the loan company instructed that they are unable to process multiple payments a month and that the payment method needed to be changed. Each time the late fees were reversed but the loan placement was not adjusted leading to added interest being paid. The poor accounting practice of the loan company clearly shows actions slightly derail early payments and principal curtailment in favor of confusion and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an envelope was mailed to Experian via XXXX tracking XXXX this was received by Experian on XX/XX/2021. As of today XX/XX/2021 Experian failed to respond at all let alone in the timeframe allowed. The accounts in question which were initially challenged are : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX I am attaching a copy of the report they contain issues which were previously sent on the above date with tracking info.
Product: Checking or savings account

I bought concert tickets from XXXX XXXX on XXXX for {$200.00} through XXXX. I never received the concert tickets. He fraudulently induced me to transfer funds to his account. I filed a dispute with Chase Bank because I paid for a product that I never received and I was fraudulently induced to transfer funds to his account. Chase Bank refused to reimburse me or provide me any protections that are required by the Consumer Financial Protection Bureau guidelines. I have a police case report.
Product: Credit reporting or other personal consumer reports

Received a screening report from Resident Verify , LLC with information stating I had a eviction filed under my name. Noticing the mistake I disputed the matter directly and asked for the eviction reporting removal. A day later I was informed that the information would remain on my report. So I submitted a document again acknowledging Identity theft, yet the document was not accounted for. When asking for the source in where they were provided this information I was informed that I would be able to go to this site XXXX XXXX XXXXXXXX  and see the recored. This information turned out to be false.
Product: Debt collection

XXXX XXXXXXXX XXXX HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. 
IT WAS CHARGED OFF AND SENT TO XXXX AND XXXX XXXX XXXX   AND XXXX HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE XXXX XXXX XXXX. 2009. 
THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH XXXX AND IT IS NOT BEING HONORED. 
XXXX KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON
Product: Credit card

On XX/XX/year>, I received a text from Chase Bank stating that my credit card needed " attention. '' When I phoned Chase Bank, the agent informed me that my regular payment of {$40.00} made on my XXXX interest rate credit card was not enough to cover my new plan. When I questioned the plan that she was referring to, I was informed that I signed up for their new program referred to as " Pay over time '' which would quadruple my payments so that I could pay off a portion of my balance in 12 months. I informed this agent that I was already at a promotional rate and did not, nor would I sign up or authorize a new plan. The terms of my original, no interest plan are sufficient for my needs and in no way did I authorize a change to this credit card. I asked for proof that I authorized this new addendum added to my card and each of the four agents that I spoke with told me that it can not be reversed and there was nothing that could be done. This financial abuse must be addressed. I demand that this pay over time plan be removed from my credit card and set it back to what I originally agreed to.
Product: Mortgage

We had a loan with chase, and we ended up in pre foreclosure. They started the foreclosure process, but we sold it before it was finalized. XXXX county public documents show we sold it to an individual. Foreclosure is defined as sold at auction. But this did not happen. We sold it before hand. But on our credit report it says foreclosure paid. Which is not the case. We have contacted them, and they will not remove or reword it correctly. So as we are trying to get another house 2 years after the fact, it is being denied due to a foreclosure. We need this removed from our reports
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

I requested a copy of the Purchase Order and proof of delivery the itmes they claim XXXX owes, and they do not provide either.
Product: Mortgage

Wells Fargo, currently holds our mortgage. Initiated the process to refinance before rates go up. Submitted paperwork, etc, got the ball rolling. The appraisal was ordered. The appraisal came in at $ XXXX. This puts us at 62 % of value vs equity, kicked the rate up, XXXX was added to our refi amount without any explanation. Back to the appraisal. The appraiser put us at approximately 2100 sq ft above grade, 700 ft below grade. We live in a split level. The lower level is actually even grade with our driveway. Two things about this. Based on the appraisers OWN COMPS, 2100 sq ft would have put us well over XXXX in appraisal value. The house is in great shape. We have made improvements and maintained since we purchased. Two, Wells Fargo had initially given us a mortgage based on an appraisal of 2800 sq ft above grade space. 
We were VERY unhappy with the outcome, the response from our Wells Fargo rep, and shopped out the refi. We have started the process with another company. The appraiser for the new company came out. The appraisal came in at $ XXXX. HUGE disparity. Our rate and payment is now in line with what we were told to expect. Wells Fargo is scamming. Shame on them.
Product: Debt collection

I spoke to the Company And was told that if I pay the Debt Off. I would receive a letter saying amount was paid in full and it would also say it would be removed from my Credit.  I Was told by three different people it would be said on there. They also told me we were being recorded just to reassure me that it would say it will be removed. And I went and did a Bank wire to them so they would receive it next day. So I can receive that Letter. And  when I received the Letter it did not say that. And I called them and asked what happened to the letter they said I would get. They said the letter is already generated. They ca n't make any changes to it. So I asked to speak to a Manager. So they passed me to another manager that told me the same thing. I asked to speak to someone above them or the Woman who 's name was on the letter. They Said She do n't speak to people. Only they can. I tried to be patient with them and asked all I need is the letter they promised me. And that 's All I Need. I paid what I needed to pay and Know I need them to keep there end of the bargain.
Product: Credit reporting or other personal consumer reports

Capital one has used my personal information for direct marketing purposes.. 




( Capital one : For our marketing purposes to offer our products and services to you, to make reports to credit bureaus and credit reporting agencies and all third party affiliates of CAPITAL ONE. ) CAPITAL ONE is in violation of selling private information for direct marketing purposes with prejudice intent, They made late payment balance before XXXX days and have made multiple reports within XXXX  days after first initial report. 
Inaccurate late payment reporting, selling my personal information to third party affiliates By law Credit bureaus are prohibited from selling your personal information for direct marketing purposes.JXXXX XXXX XXXX Capital One has violated fair credit reporting Act, *privacy violation- unauthorized pulls on my credit report -failing to notify me as the consumer about negative credit information CAPITAL ONE - has also reported an old discharged account, for current records, and have created a prejudice credit limit cap on my new credit card from old closed account. 

Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA. 

Incorrect late payment *Discrimination bias, from previous account *Misleading advertising
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem : Equifax makes it impossible to unlock credit report on the internet, as was originally promised. XXXX recommended I call a number that was supposed to be Equifax but was actually a SALES PROMOTION that wastes tons of time. 
Shame on XXXX and Equifax. They should be fined. 

DO NOT CALL THIS NUMBER XXXX it is a sales pitch for Cable Services, and is NOT a means to contact Equifax. This is a trap. 

When you call XXXX the customer MUST listen to many minutes of " free '' offers and then is sent to a Cable Company SALESPERSON to get a sales pitch. This number was given to me by XXXX who told me I HAD TO CALL THIS NUMBER to unlock my credit. 

I was expecting to unlock my credit via the internet, as I have my codes all organized. Equifax will not allow me to do this, instead sending me to a Cable Company for a long sales pitch. 

On Friday XX/XX/XXXX, I went online to use my unlocking codes to temporarily unlock my credit through Equifax. I was advised to do this through XXXX as I am applying for a new Credit Card. I had tried to unlock credit through Equifax on internet, but this is now impossible, even though I have the code to supposedly unlock my credit online. I had to pay a mandatory fee to freeze my credit in the first place, even though Equifax was responsible for the MASSIVE BREACH in XX/XX/2017. 

By XXXX Eastern time, I was told by XXXX to call this number : XXXX. 
I had to wait until Monday Morning to call this number. Then I spent many minutes on hold, then I got a sales pitch for Cable Services. Finally, I called XXXX and after many minutes on the phone had to give up my codes to a human who could also breach my data. 

Since I am paying for this service, even though it should be FREE, it should work on the internet with the correct codes. All phone numbers should work on weekends. 

Equifax should pay me money, for having to waste MY TIME on their sloppy, underfunded, nasty credit reporting business. Ditto XXXX.
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 Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX OF XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : 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 if the person knows or has reasonable cause to believe that the information is in
accurate.
Product: Credit card

On XX/XX/XXXX, I used XXXX XXXX XXXX to book a hotel reservation at The XXXX at XXXX for the dates : XX/XX/XXXX. - XX/XX/XXXX. I click pay after I screenshot the dates. Item XXXX in the uploaded attachment showed up when I clicked to pay. 
On XX/XX/XXXX. I saw an email from XXXX. The email showed a confirmed reservation {$2200.00} on XX/XX/XXXX. - XX/XX/XXXX. 
{$1400.00} - XXXX nights ( {$370.00} per night ) {$610.00} - Taxes and fees {$130.00} - Hotel Booking Protection On XX/XX/XXXX, I contacted XXXX to tell them I received reservations for the wrong dates. and XXXX refused to cancel my reservations. XXXX deliberately held the reservation until XX/XX/XXXX. XXXX tells me that I have to pay for a new reservation for the correct dates and then they will refund me my {$2200.00}. I express that I am not comfortable paying them again, I do not want to risk more money. Then XXXX tells me The XXXX at XXXX is sold out on XX/XX/XXXX. - XX/XX/XXXX. 
XXXX refused to send me a refund. 

I filled a claim with the Hotel Booking Protection I purchased through XXXX { XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX denied the claim. 

As of XX/XX/XXXX The XXXX at XXXX has not received any funds from XXXX. 

XXXX American Express removed the charge for {$2200.00}, then days later American Express put the charge of {$2200.00} back on my American Express account. 
I sent all this information to American Express, and it was explained to me that XXXX is XXXX of their biggest clients and I, XXXX XXXX was not. 
Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paypal account was hacked in XX/XX/2016, involved in several data breaches. Continuous problems since then.
Product: Mortgage

My husband and I took out a loan for home improvement in the early XX/XX/XXXX. I know the loan was paid way before XX/XX/XXXX. In XX/XX/XXXX I inquired to take another home equity and they said on credit report our first one was never paid. I did get a letter from Chase saying it was paid and I thought that was it. Come to find out in XX/XX/XXXX they never sent the town I live in discharge paper and note saying it was paid in full. I worked on it and Chase then sent the town saying the loan was paid in XX/XX/XXXX. So it looks like we were in default for all those years when we were not. So I asked 4 times for a letter noting the date it was paid and Chase continually sends me letters asking me to do the leg work I already did. They even told me we fell through the cracks. I just received a letter from XXXX XXXX at Chase XXXX asking for all the information all over again. I am getting a run around big time. I left a message that I was reporting this to you today. I don't know what else to do. 

Thank you XXXX and XXXX XXXX XXXX
Product: Debt collection

I have been getting phone calls for a year, sometimes daily, from a company called First Recovery. When I answer there is a recording stating who they are calling for, which is n't me. It tells you to hang up if you are not the person they are trying to reach, however if you do this they will just continue to call. I have waited on the line to tell them I am not the person they are trying to reach and to please remove me from their list. Sometimes they seem to take me seriously and sometimes they just hangup, either way they continue to call. Last week I stopped answering and they have called me every weekday for the last 7 days. The phone call usually comes from XXXX.