23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

We where given 2 financial deferments in a course of one year we called in asking for assistants and was given a deferment for XXXX and XX/XX/2019 these payments where to be put on the back end of the loan went to the bank in XXXX TX to make a payment after the deferment and was told that the account was behind by 2 months and we would have to call into the collections department XXXX when calling the number you are on hold for 45 min to and to an hour to speak with some one there phone drops or a busy signal  recording this is against FCC rules and regulations, I should have a number that is properly working to be able to speak to some one about my loan. After 29 calls I spoke to a representative in collecting department of BBVD COMPASS I was then  granted another deferment for XXXX and XX/XX/2019 because the representative she had discovered that the XXXX payment had been paid and that there was extra funds on the account because it was over paid from a previous month. So now there are 2 signed deferments all along we are not paying because due to the deferments. The following month we attempted to make a payment at the BBVA Compass in XXXX TX and was told we where more than 3 months in the rear and owed over {$1800.00} plus fees and that the deferments was not honored, we never received a call or letter we kept trying to make payment at the bank the {$1800.00} then told they can not accept the payment need to call Collections department so we XXXX XXXX over {$1600.00} they put it on hold department then was told to send in another {$260.00} sent in {$600.00} XXXX XXXX they put that on hold no money was applied to this account Called the bank again and was told owed {$2400.00} and the last and final attempt was to have it refinanced so the new company called but BBVA Compass and they charged off loan XXXX we made over 79 attempts to resolve this issue We made a call to the corporate office and spoke to some with Mr XXXX he advised the loan was under review and ask how much did we have to get the XXXX Truck back a little confused we still have our truck So we decided to file several complaints an seek an attorney we have place this information on social media looking for other to start a class action lawsuit my credit have been ruined by BBVD Compass sense XX/XX/2019 and now the loan is charged off according to our records we had a 3 month deferment plus the payments we paid and the money they held
Product: Money transfer, virtual currency, or money service

I have had a horrible experience with venmo. My account was hacked and money was taken and put in a XXXX  account that does not belong to me nor do I know who it belongs to. I don't even have XXXX  myself to be quite honest with you. I have contacted XXXX  regarding the matter and gave them all the information that I know. I gave them the make and model of my device, the state I'm located in, the name of the person that was on my venmo transactions. When I noticed that my account was hacked I immediately contacted venmo and upon talk with a venmo representative she agreed that my account was hacked so I took the proper steps necessary to gain access back in my account. I provided all the proper documents that were asked of me. I was then able to get access to my account that's when upon looking I noticed the unauthorized transactions. I filed the disputes and with in two hours my venmo account was frozen permanently. Venmo would not give me any kind of reason why it happened either. I know I personally did not do anything to go against the user agreement. I do have a tax Id that venmo verified so I could make business transactions so I know I didn't violate anything by that. I finally was able to talk to someone through venmo and they finally told me that my account was frozen permanently due to the fact I filed the unauthorized transactions. I had every legal right to file the disputes without getting my account frozen especially when it was proven that my account was hacked. I had a little over {$1300.00} taken from me. I followed the right steps and let the right people know that it was hacked. I feel like I got punished for going about this situation in the right way. I still have money on my account as well. I didn't do anything wrong. I just want to get my account back and my money asap. The freeze was placed on XX/XX/23
Product: Mortgage

I made a payment to my amerihome Morgage However the payment was not taking out in time. I was not notified about the situation.when I realize later I had them take the payment right away as this was a mistake. This has been hurting my ability to get a new loan and take advantage of the wonderful low rate they have now. Please assist me and getting this resolved ASAP. 
Thanks
Product: Checking or savings account

I opened An account with Citibank XX/XX/2022 my initial deposit was {$600.00} for some reason Citibank decided to close my account Shortly after In XXXX stating they had the right to close accounts at their leisure which was fine with me. I was then alerted via email that I will receive my funds that were in the Account in 60 to 90 days, it is now XXXX and has been XXXX months and I still havent received my check in the mail. I reported Citibank to the XXXX XXXX XXXX  afterwards, I actually received a call back from a representative stating that she apologized for my inconvenience and assures me a check will be to me soon. Nothing ever arrived and Since then, Ive reached out to Citibank on several occasions, their customer service reps only transfer me and transfer me and eventually when no one can tell me where my money and they refuse to escalate the call enough times I get hung up on. I dont know what to do at this point but I dont have money to just give away. I opened this account to build my credit and financial stability unknowingly putting my self in this compromising position which Inevitably put me in even more debt. I just want my money back
Product: Credit reporting or other personal consumer reports

Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent credit dispute letters to EQUIFAX on XX/XX/XXXX certified. To this day I have not got a response. By Law the credit Bureaus are suppose to respond 30-45 days or items disputed in letter need to be removed because they can not verify them. 

" Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. '' In the letter I sent the INCLUDED ALL account names, numbers, and nature of disputes/concerns. I have a copy of the letter that was sent which included EVERYTHING. By Law the items need to be deleted because it has been more than 45 days. 

All items and accounts listed in the letter sent on XX/XX/2020 need to be deleted immediately.
Product: Mortgage

I worked with Wells Fargo Bank for three months in order to get a commercial mortgage loan for a property in my town. On XXXX/XXXX/15 I met with my Wells Fargo Broker and he told me that I was " locked in '' at 4.75 % interest rate. And he did use the words " locked in. '' I was Ok with the rate so I continued my due diligence and forgot about my loan because I was " locked in. '' We closed on XXXX/XXXX/15. At the closing table my Wells Fargo Broker handed me and my wife the closing documents and the rate said 4.86 %. I had a lot of things going on so I had forgotten the " locked in '' rate. I asked if this was the rate we had locked in at. The broker just explained how good of a deal this rate was and that he had just given a loan at 5.1 % so my rate was great. In hindsight, he never answered my question as to weather that was the " locked in '' rate or not. I had XXXX choices : 1 ) walk away from the deal because this did n't seem like the quoted rate, or 2 ) sign and secure the property. My wife and I signed the papers. Next I went home and looked at my notes from XXXX and my suspicions were correct. He increased the percentage rate on the closing day without notifying us, ever. Even at closing he did not notify us that the rate was increased over the " locked in '' rate that he told me in XXXX. 
I understand that sometimes rates change and I can handle that, but when you never tell your customer about the change that seems pretty rotten. I made the assumption that when he said we were " locked in '' that meant that the rate would not change. It is especially rotten when you are at closing and the broker puts it on the table basically saying walk away from the deal or sign my paper at this higher rate. 
I looked through my emails and notes and I could not find XXXX time where he put my " locked in '' rate in writing. It was only in my notes. Next time I will ask for it in writing and take that paper to closing. 
This especially hurts because I felt like I had a great relationship with this broker. We met, talked on the phone, and conversed through email many times over three months. We were on great terms and I trusted him fully. Then he does this to me. Not cool. 
I looked online at the Wells Fargo Vision and Values written by XXXX XXXX the chairman. He talks abut how honesty, trust and integrity are essential in dealing with customers. He also talks about open honest XXXX communication and building long-term relationships with customers. He also relays how the Wells Fargo reputation extends from their character and how their brand is what people say about them. In the end, I experienced none of this in my Wells Fargo experience. XXXX XXXX is correct about how reputations extend because I am telling all my investor friends about my experience there and that I recommend that they stay away from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why I see this negative information on my account? I didn't applied for this. I think someone used my personal information. What should I do with it? My credit report looks so bad now!
Product: Credit reporting or other personal consumer reports

Specialized Loan Servicing reported my mortgage account as delinquent. XXXX notified me through email that an account was delinquent and they decreased my XXXX XXXX. I logged into my XXXX account and discovered that Specialized Loan Serving falsely reported my account as delinquent, and to make the matter worse, XXXX, XXXX. last reported my mortgage as paid on time in XX/XX/XXXX. Where are my on-time XXXX, XXXX, and XX/XX/XXXX electronic online bill debit XXXX  payments from my financial institution? I logged into XXXX to see if the same false report was in their system, and XXXX system also showed my mortgage account as delinquent. 

Not only do I want my credit report corrected. I want my stolen XXXX XXXX restored and the years of damage to my XXXX XXXX restored as a on-time paying homeowner since Specialized Loan Serving acquired my mortgage from XXXX XXXXXXXX XXXX  XXXX XXXX about XXXX XXXX. I am missing years of good credit payment history. My excellent payment history that XXXX XXXX Bank reported is still on my credit report up until XXXX XXXX. After that, there is a large gap of missing excellent payment reports made on my mortgage by Specialized Loan Serving, LLC. I requested my payment history to be fully reported going back to XXXX to match where XXXX XXXXXXXX XXXX last reported up until the mortgage transfer. My request has been denied verbally and obviously on my credit report to this day.
Product: Mortgage

XX/XX/XXXX, during the time taxes are paid, we refinanced our mortgage. At the time, our lender, Loancare paid our taxes of just over 5k and also our title company at our closing paid too. I called county to see what happened and they told me they received payments from title company and that Loancare should reimburse us what they tried to pay ( {$5000.00} ). Since XX/XX/XXXX, I have called Loancare to find the status of our money 8-10 times. I have XXXX documented calls of who I 've spoken to, however, I get the same answer, " we are having your issue escalated to our tax department and they will review. '' I 've been told that someone would follow up and nothing ever happens. At this point it 's now been 2 months and I have no idea where our money is.
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. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

Please Approve my brokerage account for Robinhoood I linked XXXX XXXX
Product: Bank account or service

After paying my bill on time for over a year CareCredit ( Synchrony Bank ) applied {$700.00} in interest because I had not paid the entire balance within a certain amount of time. This is such a awful way to do business. I feel it was a sneak attack. When I called the manger XXXX at CareCredit was rude and talked to me like I was stupid. He told me it was the terms of my contract and I should have read the contact before agreeing to it. When a person is sick with pain and in need of CARE the last thing they are thinking about is a contract. That was my situation when I initially signed up for this service. Why not just get the money up front, Why hit someone after the fact with deferred interest. It is just cruel and a deceptive scheme hoping people wo n't read the fine print. They are predators. I will tell everyone I know Not to do business with such uncaring greedy people.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can`t be provided I demand these payment be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached :
Product: Mortgage

To whom it may concern, I recently refinanced my mortgage loan through XXXX XXXX, an affiliate of OCWEN Loan Servicing. When the loan matured in XX/XX/XXXX, I made my payment accordingly and sent the payment by check via mail. A few weeks later, i received a check in the amount of {$580.00}, which is less than my monthly mortgage payment. This check was titled " Escrow over payment '' and since i had just refinanced my loan, and essentially the old loan was paid off, this did not seem out of the ordinary to receive a check for any additional money that may have been in the account. 

As time went on, I received my monthly mortgage bill for XX/XX/XXXX, and the bill stated I had a past due amount that was never paid. So as any concerned homeowner would do, I got on the phone to try and figure out where the issue was. 

After a very short phone conversation with XXXX, ID # XXXX, he assured me this was a minor problem that stemmed from the new bill and my payment " crossing in the mail '', I was current in payment and a new mortgage bill would be sent out and there was nothing I should worry about. 

In the mean time, I was being reported to the credit bureaus as being delinquent for payment. 

A few days after speaking with XXXX my wife convinced me to call back and I reached and individual, XXXX, who realized there was a big problem. After a 2 hour phone dispute, it was determined that OCWEN has records of receiving my mortgage payment on XX/XX/2015, BUT HAD NEVER CREATED MY NEWLY REFINANCED MORTGAGE LOAN ACCOUNT UNTIL XX/XX/2015. So when i sent my payment in for the month on XX/XX/XXXX, it was rejected ( and split into XXXX sums-for whatever reason- ) and sent back to me under the title " Escrow Over Payment ''. 

I was reported to the credit bureaus for being delinquent for 38 days, and this now shows on my report!! 

When i was on the phone resolving this issue, I was told I needed to make a double payment at that time, so I would not be delinquent for ANOTHER consecutive month! 
I had to make these payments on XX/XX/XXXX, right before XXXX! 

On top of making a DOUBLE mortgage payment 2 weeks before XXXX FOR SOMETHING I WAS NOT AT FAULT FOR, I also now have a poor credit report following me around! 

OCWEN LOAN SERVICING NEEDS TO BE REVIEWED! 

XXXX XXXX XXXX, Ohio
Product: Credit reporting or other personal consumer reports

This is a long standing dispute over a checking account whereby XXXX XXXX XXXX XXXX  XXXX XXXX person to use my account. There are a number of problems with the investigation but that is not the specific subject of this complaint. I have filed a grievance against the General Counsel for XXXX, XXXX XXXX, and in asking for more information ( which Attorney XXXX directed her people not to provide ), XXXX XXXX  sent me a letter stating that they will continue to report my checking account to ChexSystems after the statutory deadline, which is XXXX years, which means that this debt can not be reported after XX/XX/year>. This is a violation of the Fair Debt Collections Practices Act and is also unethical. A copy of the letter is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, {$490.00}, Coming of deferred payment due to Covid 19 reported my account 30 days late
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered that Discover was reporting a negative credit card account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that Discover has breached there agreement with me and violated there terms and conditions by reporting my non public personal information to third parties, namely XXXX, XXXX and XXXX pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. And Discover is also still currently reporting transaction history which is illegal. I wish to Opt out pursuant to 15 USC 6802-6805. Discover was obligated to send me a opt out request every 30 days and failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have battled to get the correct information printed on my credit report in regards to two accounts that have been closed with the department of child support by the mothers and I continue to have full custody of the children. Not only is the balance information in accurate and completely out of date but so is the history. I have reached out countless times but only seem to get a request for supplemental identification documents from Equifax and nothing is done I am legally XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and often fall short of what they require for documentation yet here it is. I am also clinically proven with severe XXXX and have been fully medicated since I was XXXX so all of this becomes a huge challenge when I am faught by the credit bureaus
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 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

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX XXXX XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$20.00}.