23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have attempted multiple times to dispute negitive information reporting on my credit. Each time I have attempted to report it, Equifax has denied my request stating the information is accurate that the company is providing. I have contacted the company as well and attempted to resolve the matter. I have written a huge report provided to Equifax stating the information being reported is not only inaccurate but a blatent lie, I have sent proof of the inaccuracy/lie, proof of communication of the company refusing to speak with me and send ME proof that I owe the debt. Equifax continues to deny the legitmacy of my request. Not only has Equifax denied my request, the company has updated the information yet again, and made changes again proving they are lying about the information provided on my report.
Product: Credit card or prepaid card

I am a XXXXXXXX XXXX XXXXXXXX credit card holder. This credit card is issued by Chase Bank. On XXXX XX/XX/2022, Chase charged a {$95.00} membership fee on my account. According to terms and conditions, as a card member, I am entitled to " receive one free night at any XXXX XXXX XXXX hotel or resort every year after your cardmember anniversary, plus an extra free night at any XXXX XXXX XXXX hotel or resort if spending {$15000.00} in a calendar year ''. This benefit was not provided to me. On this basis I would request Chase to refund me the membership fee.
Product: Mortgage

My Home Affordable Modification became effective XX/XX/XXXX with XXXX XXXX which gave me a new principle balance of {$210000.00}. According to the modification agreement, my new principle balance included all amounts and arrearages that will be past due as of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, " unpaid amounts '' less any amounts paid to the Lender but not previously credited to my Balance ' ) It also states that all unpaid late charges that remain will be waived. In XX/XX/XXXX, my loan was transferred from XXXX to Ocwen Loan Servicing, LLC. On my XX/XX/XXXX  monthly statement I noticed a prev-prior servicer fee in the amount of {$4900.00}. Over the years I've called and written trying to dispute the charge but up until XX/XX/XXXX, Ocwen could give me an explanation for the charge. Ocwen would tell me to talk to XXXX XXXX and XXXX XXXX would tell me, I needed to contact my current servicer because XXXX no longer serviced my loan. Finally, someone at Ocwen gave me a contract number for XXXX XXXX were I was told to put my dispute in writing., which I did. However, XXXX XXXX response left me even more confused. I have a {$98000.00} balloon payment, if I stay in this current loan so I am trying to refinance my current mortgage but I refuse to pay this {$4900.00} fee after my loan was modified. Also per Ocwen Loan servicing, LLC that so called prev-prior servicer fee amount is different on several of their documents. On Ocwen loan ledge entry date XX/XX/XXXX the amount is {$550.00}, on Ocwen answer to my written dispute, it was {$5500.00} but supposedly the current amount is {$4900.00} and on my current pay off from Ocwen, it states the amount is {$4900.00}. for a Posting Sale Cost.
Product: Debt collection

Launch Servicing, LLC sent a delinquent notice of my XXXX XXXX XXXX. 
The payments are deducted autodebit on the first of every month and I confirmed on my bank statement the payment was made XX/XX/2024. 
Launch Servicing, LLC does not answer their phone or return messages. 
XXXX entered bankruptcy and XXXX communication has been provided to consumers regarding this issue.
Product: Checking or savings account

I am writing to report a significant discrepancy I have confirmed today in the HSA " Truth in Savings New Account Disclosure '' notice from Optum Financial, which I received XX/XX/year> via postal mail. Specifically, the disclosure text and the chart shows an interest rate of 2.2 %, but somehow, at the end of the year, it equals growth and payments for an APY ( Annual Percentage Yield ) of 0.01 %. An image of the notice and chart is attached to this email. 

To quote the disclosure it says ( attached the quote is the words above the chart ) : If your daily balance is between {$500.00} and {$990.00}, the interest paid on the entire balance of your account will be 2.20 % with an APY of 0.01 %. 
If your daily balance is between {$0.00} and {$490.00}, the interest paid on the entire balance of your account will be 2.20 % with an APY of 0.01 %. 

To provide more clarity, the calculation for getting the APY from a monthly compounded rate of 2.2 % should not result in such a low yield. Here is the correct calculation for the APY : - Convert the annual interest rate to a monthly rate : 2.2 % / 12 = 0.1833 % - Add 1 to the monthly rate ( expressed as a decimal ) : XXXX + XXXX = XXXX - Raise this result to the power of 12 ( the number of months in a year ) : XXXX = XXXX - Subtract XXXX from this result to get the APY : XXXX - XXXX = XXXX, or 2.24 % Additionally, I have checked the online version of the same disclosure, and it does not match the printed version. This discrepancy suggests yet another error that needs to be corrected and communicated to all account holders. 

I am also very concerned about how long this error has been in place. Upon reviewing my recent statements, I noticed that the rate was not paid as stated in the printed disclosure but rather according to the miscalculated 0.01 % APY. I would like to understand how long this incorrect rate has been applied and request that any retained interest be returned to all affected account holders for however many years this error has persisted. 

I believe correcting this will help ensure clarity and trust among account holders who received this erroneous information or missed interest payments. I requested the bank look into this error, and the response was to confirm the APR is in fact 2.2 % and the APY is 0.01 % Those two rates are not compatible. 

I've been told it's accurate rate and disclosure by the company ( Optum Bank - a division of XXXX XXXX XXXX ) but I can not believe that is the case as the math doesn't work correctly based on standard APR to APY calculations.
Product: Debt collection

I do not know and have never had any business transactions with the company Portfolio.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts
Product: Credit card

My XXXX suggested I use Credit Care/Synchrony Financial for a couple of root canals since I could not afford it on my own. CC gave me a whole year to pay monthly at 0 % APR yet, then after that year the APR would increase to 26.99 % APR. Within that first year ( XX/XX/XXXX ) I paid {$1600.00}. But, when the year was over ( XX/XX/XXXX ) CC added back the amount I had paid along with the 26.99 % APR. I have never had that happen to me before with any other credit card, that when the promotional rate is over, your hard earned payments during that time are added back to the card! I talked to several customer service reps saying that this is how they handle all accounts if they have not paid in full during the promo time. I find this abusive to the consumer and unjust. I now have to not only pay the {$1600.00} all over again but with an additional 26.99 % APR. This is just downright consumer abuse.
Product: Debt collection

XXXX, a Timeshare company failed to inform me of a change of agencies collecting maintenance dues. This Time Share company did not call, or write to inform me of this change. They turned unpaid dues into a collection agency prior to giving me an opportunity to handle my maintenance dues and an appropriate way. Now this collection agency information is a negative on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several hard inquiries on my credit report that resulted from the XXXXXXXX XXXX XXXX XXXX XXXX where my social security number was found. The hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After reviewing my credit report, I noticed multiple hard inquiries that I did not authorize or initiate, and I believe they are directly linked to the breach. I would like to clarify that I am not associated with these inquiries in anyway, nor did I consent to them, Given the circumstances surrounding the breach, I respectfully request that these inquiries be removed from my credit report as they are inaccurate and unfairly impact my credit score. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

it take me 2 years to get my credit up to score XXXX trans union bring down to XXXX i call trans union and talk to one of person and tell them about my credit report my credit score when down to XXXX and i tell them you guys putting inaccurate information on my credit report it took them 2 weeks bring my credit score XXXX on XX/XX/XXXX i check my credit score they bring it down to XXXX again last i tell them i am going to the sue trans union putting wrong information on my credit report now i want them to bring my credit score back to XXXX or i will take some kind action
Product: Debt collection

XXXX XXXX I requested the proof of debt from Midland Credit and stated that I wanted to dispute the amount from the original debt owner as it was incorrect. They did not provide the information. The last phone call I received from them they stated they were going to sue me and I was going to jail. I also received multiple calls a day approx XXXX. Midland Credit shared my social security number and birthrate with various companies in XXXX. A civil action was filed and they never sent me the information or made an attempt to resolve the account.
Product: Debt collection

Calvary portfolio services is a debt buyer. They purchased an old debt account that was already past the statue of limitations and was already charged off and closed on my credit.They somehow got the ledger deleted that shows the real date of when the original account was closed. They reaged the account using their name and a newer date to make it look like the activity on it is more recent than it actually is. This account is over XXXX XXXX XXXX not 1 year as stated on the report. I order them to cease any contact with me and remove this outdated info off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I genuinely appreciate the time and effort exerted by Experian and XXXX Credit Bureaus to remove a portion of the disputed accounts from reporting on my Credit Report. But I believe that there are still fraudulent accounts and information being reported on my Credit report. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that the consumer identifies as a result of the identity theft. I am now submitting this CFPB complaint to request the Credit Bureaus to please conduct another Investigation and remove the remaining disputed fraudulent accounts that are still being reported on my Credit File. I need the remaining fraud account be removed completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX 1920 XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX NC ) XXXX Balance : {$340.00} MXXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get annual free credit report from Equifax from XXXX. 

After answering several questions correctly, I am advised I can not access online and I need to request by mail and send several proof documents. 

This is really ridiculous - either I have a right to see my credit report every year or not - this is a scam to make it difficult to obtain what I have a have right to by law. 

Please address this ridiculous process so that we can get what we are legally entitled to.
Product: Debt collection

GLA is attempted to continue collections with an original creditor : XXXX XXXX XXXX for account : XXXX. This debt has been settled in full based upon the agreement and restrictive endorsement cashier 's check sent to them sent via certified mail XX/XX/2021. Approximately XX/XX/2021, I received confirmation from my bank that they have cashed the check and therefore accepting the collect paid in full/settlement of debt in full. However upon reviewing my credit profile on XX/XX/2021 I see the collection 's amount updated to {$170.00}. 

Item One : Settlement offer sent Item Two : Settlement restrictive endorsed check Item Three : Collections account reflect balance of {$420.00} Item Four : Collections account updated to reflect balance of {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$200.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - Account # XXXX Account Status - CLOSED - Balance Owed- {$8500.00}, XXXX XXXX - Account # XXXX Account Status - Closed - Balance Owed- {$9500.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX and 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX i was not able to send or recieve money, I was expecting an amount of XXXX $ from a friend and {$14.00} from XXXX  on XX/XX/XXXX and only recieved around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an email from Capital One stating that my account was two months past due. My account was set to autopay so I immediately called them. I was told that the auto pay was set to a specific amount not to the minimum payment and that recent activity had made the minimum payment greater than the amount it was set to pay. I made the make up payment on the phone and then changed the monthly payment type to the minimum payment so it would not happen again. My credit report was flagged as a non payment even though I had been making payments on time all along. I was never notified that there was a problem with the amount of the payment which would have allowed me to correct the problem before it affected my credit. Upon review of my statements I found that for three months I was assessed a late fee but again no  notice that there was an issue. On XX/XX/2020 I mailed a letter to Capital One disputing the late payment status. I never received a response. On XX/XX/2020 I filed a dispute with TransUnion to which I did receive a letter from Capital One asking for an explanation and a copy of my credit report. I mailed the requested information but never received any response from Capital One. On XX/XX/2020 I filed a dispute with XXXX  stating the same facts as I have here. I never received any response from Capital One. On XX/XX/2020 I again filed a dispute with XXXX   stating that I had never received a response from Capital One. As of today XX/XX/2020 both XXXX  and XXXX  show that my dispute has been completed but Capital One has done absolutely nothing to resolve this outside of the letter requesting more information that they in turn did nothing with. As of today the account is paid in full and I just want that misreported mark for non payment removed from my credit report. I feel that Capital One policy has no interest whatsoever in protecting the consumer or they would have notified me that there was a problem when I still had time to fix it. Instead, they just made money off of late fees with absolutely no notice whatsoever and they refuse to respond to my requests for assistance.
Product: Credit card or prepaid card

Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have  not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.
Product: Checking or savings account

On XX/XX/2021, we sent a {$2500.00} money wire to a fraudulent business. We kept the company thinking we would wire more money so they would keep the account active while we contacted Chase bank on XX/XX/2021, to report the fraud and request the wire be refunded. On XX/XX/XXXX, 5 full days later, they asked for " additional details '' which we gave, including attachments with information and proof of the scam. The next day we received a " reply '' which said literally nothing. Blank. I replied questioning where the message was for its inquiry and received a reply TWO DAYS LATER asking for the exact same information provided a WEEK prior. I repeated the information, all while keeping the scammers ' bank account open and ready for a payment we were supposed to be paying them. Same bank account, same phone number- SAME. Three days later on XX/XX/XXXX, we get a response saying they have just now opened a case on our issue. ELEVEN days later. Two days later on XX/XX/XXXX, we are told that the bank account that received the funds has been closed and the phone number is suspended. TWO WEEKS. We did everything to be able to get our money refunded and Chase took too long to get our complaint moving while the scammers ' account was open.