23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home in XXXX of XXXX. XX/XX/XXXX, I filed for a loan modification due to the fact my husband was unemployed as of XXXX, XXXX. I submitted all the required forms. No action was taken and my payments actually went up. They state they never received this. 
Since that time, I have tried working with this company while my husband had temporary jobs. I have called several times to make a payment or partial payment, with the rest payed on my payday. I was told that I needed to pay the full amount due right then. 
When I was told to use a bank check, they would send the check back to me weeks later and tell me that the total amount was due. At the present time, I had sent two bank checks totally about {$4000.00} to them, which they tell me they never received, but sent back two monthly payments, one before these checks and one after. 
They have left notices on my door as well as having someone taking pictures late at night of my house and vehicles. They are unwilling to work with me in any way. I have XXXX children and have tried working with them for several years. I would like to find another mortgage company, but they have ruined my credit, making that impossible.
Product: Credit card

Tuesday XX/XX/year>, XXXX XXXX - XXXX card holder ( XXXX ) was signed up for a BJ 's Capital One card, with the understanding ( per the salesperson ) that membership would be free. 
- XXXX made a single purchase of {$1200.00}, and then paid the amount in full ( including any fees and interest ) a month later. 
- After paying off the full amount, this card was never used again. 
- The BJ 's Capital One card then began adding extraneous fees to the card, and since the cardholder did not know about the fees, he started to accrue late fees and additional interest charges ( at a rate of about 40 % ) as well. 
- We called the company on XX/XX/year>, asking to have these fees removed. They refused. 
- We also asked to have this card cancelled. Again, they refused. 
- The " Dispute Department '' informed us that they would NOT cancel our card, but that we could go online, set up an online account, and then cancel the card that way. We immediately opened an online account, however there were NO options available to cancel the card. Additionally, when we tried to contact a representative through the site, we were directed to a help/chat " bot. '' When we asked the bot how we could cancel the card, the bot returned : " Unfortunately, I cant help you with that account. Try asking another question. '' - BJ 's Capital One is a predatory card, seeking out elderly clients, charging usurious and unnecessary fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report, there is Capitol One/XXXX XXXX credit card which reports : " Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX ''. This can not be possible, since the Date Closed was XX/XX/XXXX and Last Payment Made was XX/XX/XXXX. 

I disputed the information through XXXX, stating that the late payment information was incorrect. This dispute was " resolved '' by the company stating that the information was correct, without any documentation or evidence. 

A dispute into adverse information should have to be resolved by proper documentation. XXXX should not report adverse information ( especially after a dispute ) in which a company simply states is correct. If the company can not prove the late payments, they should be dropped. 

I then contacted the company ( Capitol One ) and was told that my account had been sold and that there was no records of my account history. XXXX, who the account was sold to, could not help me either, since they were not the reporting party. I am stuck between two companies, neither of which have any willingness to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries were made fraudulently. One from XXXX and another from XXXX Bank on the same day, XX/XX/23. My credit monitoring company alerted me and I froze my accounts.
Product: Debt collection

This company placed a XXXX XXXX on my credit that is not mine. The address that the service was provided is a XXXX home. I never resided at said XXXX home and provided a lease showing that I did not reside at the residence during the time the debt was incurred. I explained to them multiple times that my mother did reside at the XXXX home from XX/XX/XXXX until she passed away in XXXX of XXXX however that still should make me responsible because # 1-I never signed a contract with XXXX and XXXX XXXX the outstanding balance was for services rendered during XXXX. This has caused my credit to decrease by XXXX points.
Product: Credit reporting

I believe this is more of a problem with a potential creditor, and not Experian itself. I am not sure how to proceed, however, here is what happened. I applied for a credit card sometime prior to XXXX, just XXXX with XXXX. I did n't hear about approval so I called and inquired, and then followed up with a letter dated XXXX XXXX, 2015. My experian credit report notes XXXX hard inquiries spaced just weeks apart, XXXX XXXX, 2014, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. 

I know this is impossible because there would be no way I would attempt to reapply for credit in such a short time frame, so I have XXXX hard inquiries on this report that will be on this report incorrectly for two years from now. It is wrong, and I only gave permission for XXXX hard inquiry.
Product: Credit reporting or other personal consumer reports

My purse was stolen from the restroom of the XXXX XXXX station. My ID, SSN card, Debit Card, Library Cards etc were inside. My information was also included in the Equifax data breach. My information is out there on the dark web as a result of this. 
The dates are ranging from XXXX  to current. I agreed to work with Law enforcement. I have requested that the false accounts be removed, however these accounts are still present.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$82.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. They have not responded and they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XX/XX/XXXX).
Product: Credit reporting or other personal consumer reports

I have already contacted the major credit bureaus to report these fraudulent inquiries and have provided supporting documentation, including pay work statements and information from the data breach settlement indicating that my information was compromised.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, From XX/XX/2022, I have contacted Experian several times regarding several issues. 
1. They have chargeoff accounts that were on my report even after my bankruptcy has been XXXX. 
2.they removed a great account inquiry from XXXX XXXX XXXX  and they have several names that I have never used on my report. 
3. XXXX XXXX never responded to my dispute, they didn't respond to the XXXX  and I asked Experian for their inaccurate information to be removed. 
4. XXXX XXXX XXXX XXXX sent Experian, the XXXX  and myself a letter and told Experian that I was never late with a payment and they are still reporting that I was late even after the investigation was updated. 
5. XXXX XXXX was included in my Bankruptcy which is XXXX and they are still on my report, with inaccuracies. I am a Veteran and the VA paid most of my debt and they are reporting that I owe them {$230000.00}. I have shared this inaccurate information with Both companies but Experian sent the XXXX  a copy of my Bankruptcy to help validate XXXX XXXX claim. Without my authorization to do so. 
6. Experian has blocked me from seeing any updated information for XXXX XXXX therefore I can no longer dispute anything. 

All these inaccuracies have made my credit score decrease to XXXX. I have had to contact the XXXX  several times showing them that Experian is not complying with the FRCA.
Product: Debt collection

I did n't have the money to pay the bills at that time. I 'm willing to start a payment process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an IRS notice CP01E, informing me that my SSN had been used by someone to " obtain employment. '' I had put a freeze on all three credit-reporting-agency accounts and wanted to get a credit report from each agency to ascertain that the freezes were in place. I had no problem getting online versions that I printed from Experian and XXXX. However, XXXX  ' website informed me that my credit report was not available online and that in order to receive a hard copy, I had to fill out and submit its form. The very personal information the form seeks includes copies of my Social Security card, pay stub with SSN and W2 Form. In addition, I am to provide my driver 's license, rental or lease agreement/house deed, pay stub with address, utility bill ( gas, electric, water, cable, residential telephone bills ).

In light of my already compromised SSN, I am not about to send the requested information through the mail. This is a new, unwarranted burden that Experian places on consumers. I obtained last year 's report on line from all three agencies. Please help me and others to get the annual free Experian credit report on line. Thank you.
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 rights to privacy and confidentiality under 15 U.S.C 1681. 


Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Account name : XXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX  XXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX  XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
Account name XXXX XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXXXXXX, 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 1681 c. ( 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 the records of conviction of crimes which dates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deepl

y affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Product: Mortgage

We were ignorant enough in 2007 to take a XXXX mortgage with HFC bank. We had had some medical and other financial issues, and they sold us on refinancing through them. In retrospect, it was a very bad move. They came in and appraised our house at XXXX. We signed a mortgage at 10.5 %, as they told us our house would increase in value and we could refinance at a lower rate. Well, the bottom dropped out of the market, and we are still stuck with an underwater mortgage at this usurious rate. We can not refinance because the market has not come back. We owe {$250000.00}, but that is more than our house is worth. HFC will not allow us to refinance at a lower rate, even though the prime rate has been very, very low. I am wondering if there is a way to refinance this loan at a lower interest rate.
Product: Debt collection

Linebarger Goggan Blair & Sampson , LLP has sent a collections letter via USPS that violates the Fair Debt Collection Practices Act. 

A copy of the letter is included in this complaint ( XXXXXXXX XXXX XXXX Illegal Letter.png ). 

This letter is in violation because the letter threatens garnishment via FTB interagency intercept collection program. 

This is illegal because ; 1. Credit agencies accessing public records of the intercept program can use this data to negatively impact a credit score. Threats towards credit scores by debt collectors are illegal under the Fair Debt Collection Practices Act. 

2. According to the " Master Agreement XXXX. XXXX with Linebarger Goggan Blair & Sampson, LLP '' ( https : XXXX ) page 2 of 5 ( AGREEMENT section 2d ) " Contractor shall prepare an electronic file transfer for those accounts forwarded from Court that are eligible for the FTB Tax Intercept Program . 
Court will forward eligible Accounts to the FTB '' XXXX XXXX XXXX red light camera tickets do not fall under " eligible Accounts '' for interagency intercept collections.
Product: Credit card

Hi. I've had a USAA " Limitless '' card for many years. The card offered a XXXX XXXX rewards cash-back, which required a qualifying direct deposit. 

I recently noticed that I was only earning XXXX XXXX cashback, despite continuing to have a monthly direct deposit with USAA. This appears to be going back at least into last year. 

I've looked back over the disclosures that USAA sent me, and I don't see any notices sent to me disclosing this. I did find one notice in XX/XX/year> saying that the rewards program would be changing their technology, but it does not say anything about the rewards rates changing ( I've attached that notice ). 

It is frustrating -- because if I had known that they were reducing the benefits -- I would have stopped using the card ( and also stopped my direct deposit ). 

I tried reaching out to USAA to find out if they actually disclosed this to me, and when. ( I still don't know how long ago this change occurred, because their rewards website does not have enough historical data ). However, their website doesn't seem to have a secure messaging feature any more ( or at least I can't find it ), and the online chat feature appears to be broken or has unresponsive non-human agents. 

Ultimately, I just want to make sure that USAA knows how unhappy I am that they made this change without a prominent notification to users like me. I an annoyed that I continued to use such a sub-par product without knowing the terms had changed. And, I'd like to find out if they did actually send me a disclosure about the change, and when.
Product: Checking or savings account

Please see attached correspondence showing what happened in relationship to my accounts due to deposit issue and duplicate payment error by mortgage company. 

I am schedule to travel next week for XXXX and now my funds are on hold. Please I have have consistent deposits for the last 2 yrs with Bmo. 

Please release my funds so I can take care of what I need to get done my credit has already dropped XXXX points due to mortgage payment being late and need resolved asap. 

It was out of my control with the deposit not being processed as I was told by my client company who was paying me.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. The identity theft was discovered and investigated by XXXX XXXX Police Department, the person who stole my identity was prosecuted and found guilty of the crime ( Police report attached. ) I reported the identity theft to Experian on XX/XX/XXXX, the same day that police notified me that my driver 's license and mail were found in the possession of a person unknown to me, who was arrested. Experian placed a fraud alert on my credit report at that time. 

I provided Experian with a copy of the Witness Statement Report ( which states the case number, detective 's name and badge number, the date and timestamp, the perpetrator 's name, the report, and my signature ), a copy of the identity theft report made to the Federal Trade Commission, a copy of my driver 's license and a current utility bill ; furthermore, I have provided all of this information at least twice. 

On XX/XX/XXXX, a fraudulent XXXX account with a balance of {$2500.00} appeared on my credit report, and I disputed the account online immediately then followed up with a call to Experian identity restoration. At that time, I was asked for the same documents I already provided, which was frustrating but I provided the documents again. I then reported the fraud to XXXX XXXX. 

On XX/XX/XXXX, Experian sent me a long, confusing email asking for excessive information ( which I have already provided. ) On that date, I made my initial report to the CFPB. 

On XX/XX/XXXX, I received the entire police report regarding the identity theft which took place ( attached. ) I sent a copy of the report to XXXX and Experian. XXXX investigated and confirmed the account was not mine, the account was opened by fraud and I was not responsible for the charges ( email attached. ) I sent the email from XXXX to Experian. 

On XX/XX/XXXX, I received an email from Experian accusing me of committing a crime, even though I am the victim of identity theft. Furthermore, Experian declined to block or remove the disputed items from my credit report which have been investigated and determined to have been the result of identity theft. 

My rights as a crime victim and the victim of identity theft are being violated repeatedly, and Experian has done nothing to resolve these issues.
Product: Checking or savings account

This regards PNC banking. 

On XX/XX/2023, I submitted a {$8400.00} withdrawal request from my child 's XXXX ( XXXX XXXX XXXX ). Conversations with XXXX XXXX XXXX on XX/XX/XXXX indicated that the transfer to PNC was confirmed on XX/XX/2023. 

To date ( XX/XX/2023 ), the funds do not show as PENDING or present in the PNC account. 

On the evening of XX/XX/2023, I also contacted PNC. Recordings will indicate I was polite and direct at all times. The first PNC representative did not seem to understand what a XXXX transfer was. The second PNC representative pretended that she could not hear me, and disconnected. 

I called back. The PNC representative suggested that I check on the projected transfer time. My understanding is that it is three days. 

I would like to know where my {$8400.00} is ( more directly, PNC needs to deposit it into my account ).
Product: Debt collection

I noticed an XXXX XXXXcredence acct on my credit report i requested to validate because I never had XXXX XXXX  services. They sent me improper validation. 

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit card or prepaid card

The account in question in discussion is TD Bank N.A. Account # XXXX the issue at hand is a late in XXXX 2020, Back in XXXX 2020 I was sick with XXXX I tried calling to defer the payment and could not reach anybody at TD Bank N.A. When I was well enough to work I did make the payment immediately.
Product: Credit card or prepaid card

I am receiving 6+ phone calls a day between the hours of XXXX and XXXX. Its harassing constantly getting phone calls when Im trying to sleep. I have asked them to stop calling so much and they completely disregard my wishes.