23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Online banking payment of charges on XXXX credit card was sent with a " pay by '' date of XX/XX/XXXX. XXXX claimed payment was not processed until after due date of XX/XX/XXXX, which resulted in a late fee. I spoke with XXXX representative in early XXXX not realizing there was a problem until I received a phone call. The rep also told me I was enrolled in paperless billing, which I did not do ( I NEVER enroll in paperless billing because I want to see the charges on paper ). I instructed rep to change that enrollment to paper bill. That has not been done. During this conversation I told the rep I would pay the current balance ( {$270.00} ) before the due date and then would close my account due to these problems. A check for the full balance amount was issued by my bank on XX/XX/XXXX ( I received a secure message from my bank ) for a due date of XX/XX/XXXX. As of XX/XX/XXXX, payment has not been credited to my account, and request to speak to a supervisor has not been answered. The payment due date is XX/XX/XXXX. I suspect that the payment will not be processed by that date since it hasn't been processed yet, thereby resulting in another late fee which will negatively impact my credit rating ( which is very high ). I pay all my bills in full by or before the due date each month, and have never had a problem with my bank issuing either electronic payment or checks. I value my high credit rating.
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. 

XXXX XXXX XXXXXXXX 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 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 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 records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681 S-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 reporting, credit repair services, or other personal consumer reports

My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX Courts in the XXXX  district of Ohio.

I sent a letter to the XXXX XXXX court in XXXX   Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter. The courts sent me a let
ter back stating they do not report and DID NOT report this information to the credit bureaus. 

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.
Product: Mortgage

My mortgage servicer sent me escrow analysis and notifiedme XXXX/XXXX/15 that escrow was increasing. I reviewed it and itwas incorrect. I called them and they agreed and were torecalculate it. They have not, and it has been a month +In the meantime, I get a cancelation notice from myHomeowners! Called them, they said they are sure it wassent! I called Ins. company, they said to have them callthem. I called Ocwen back, they said they do not call ins. 
companies. Called Ins back, they said XXXX, they do all dayCalled Ocwen back, they put me on hold for 45 min. Thencame back and said, oops, you we mailed to wrong addrss '' I still do not have the revised escrow analysis ''. I can not trustthis servicer at all! Terrible, service.
Product: Mortgage

After a discussion with a woman from Client Relations, I was told on Weds afternoon the issue would be resolved by Friday or I would be refunded the fee we paid PNC. She would contact XXXX XXXX to see what they needed and call me back Thursday. She did neither. Thursday afternoon I told XXXX XXXX to order a rush appraisal that cost us another {$620.00}. Monday morning I contacted the same woman who informed me PNC did not feel obligated to issue a refund, they gave the appraisal to XXXX XXXX, if they couldnt use it without a release it was their issue!
Product: Debt collection

I was a victim of identity theft which was reported to the FTC. The company has refused to manually remove these items from each credit bureau resulting in the damaging and misuse of my credit report. This is a violation of 15 U.S.C. 1681 et seq. Please delete them items manually and report them as fraud to all of credit bureaus and original creditors
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX of 2023 I had my account closed due to fraud transactions and a breach from XXXX that leaked my personal information which required me to close my account on more than 2 occasions.
Product: Checking or savings account

Closed my savings account with Citi Bank on XX/XX/2019. 
However, I get a statement on XX/XX/XXXX in mail that showed my balance of XXXX cents. There should have never been any interest incurred in my account since it was closed on XX/XX/XXXX and there was no remaining balance when Citi employee gave me a confirmation of closure of my savings account on XX/XX/XXXX. 
When I contacted Citi Bank on XX/XX/XXXX, an employee told me that my account is still active and currently can not close the account because of the balance my account has from Citi 's negligence. I believe this business practice was performed to keep the account alive for their performance scorecard and must be investigated.
Product: Credit reporting or other personal consumer reports

I wrote a billing error notice to the OneMain company on XX/XX/XXXX. I did my due diligence in reading the company XXXX and XXXX SEC reports to find the right people to send the notice to and followed all procedures outlined in 12CFR 1026.13 and 15 UCC 1666 in reference to billing error dispute. I was given auto generated responses that did not address any of my concerns. I asked for proof of funding, OID amount, current note holders, status of note, etc. I also have documents that show the current account number to have been closed and paid in full in XXXXXXXX XXXX XXXX, yet there's an active account with this same number. I was told a correction needed to be made to my tradeline and I waited their 30 day period, no updates, so I sent a XXXX notice, to cure default. I was given another nonresponse and no questions have gone answered, in fact in their last response I was told that all questions regarding law and fact are denied, yet was given to reasonable explanation and no date that payments should resume. Also, per the CFR code, any payments during this period are subjected to withholding on my part, until the notices are resolved. As I sent the XXXX notice on XX/XX/XXXXXXXX XXXX XXXX  the local XXXX XXXX, MO branch processed a payment that I had to put a stop payment order on. There is also negative reporting to the credit agencies, which per the codes they must follow by, says that no negative reporting shall take place while there is an ongoing billing error dispute. This company has been in violation every step of the way and has not answered any questions and remains in default for several reasons. The amount in question is full amount from both accounts with the same account number, plus interest.
Product: Checking or savings account

On XX/XX/XXXX  my account was compromised. Someone deposited fraudulent checks into my account totaling {$4200.00}. This amount was deposited into my checking ( {$2200.00} ) and savings ( {$2000.00} ) Someone also added themselves to my account via member-to-member and took an additional {$1000.00}. I contacted my bank ( Navy Federal ) about this and spoke with a representative and they assured me that this matter will be investigated. I received a letter around three days later saying that they investigated it and they found that no fraud occurred. The letter they sent me was dated XXXX, a day after I initiated my claim. I feel like if a true investigation was conducted, it would take more than a day. The representative I talked to said it would take 10-45 days. I called them back and talked with another representative and was told again that the investigation would take 10-45 days to complete. I again received a letter in the mail dated the day after my second call to them. They also sent me a copy of the checks and you can clearly see that these checks are fraudulent and the signature is not mine. These checks are for the same amount ( XXXX ). Whoever got access to my account deposited the same check multiple times. 
Once the money was available in my account, the fraudster then withdrew the money from the fraudulent checks into another account. It looks like an XXXX account. Then took my actual money ( {$1000.00} ) via member-to-member. I informed my bank that I did not know this person and I don't know how they got access to my information. 
Hopefully CFPB can help me resolve this matter so that I can get back the money that was stolen from me and put my account back in the positive.
Product: Mortgage

I am a bankruptcy attorney and represent clients who are trying to modify a mortgage through the court 's loss mitigation program. The clients have produced and given all the needed documents to the lender/servicer, yet the lender/servicer declared the file " incomplete '' and denied the application. 

Now, the clients have to go re-start the process and go through the process again.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

I purchased a used vehicle back in XXXX at XXXX XXXX XXXX  where i was referred to by a friend of the family and at the time i didnt have much money to put down on a new vehicle and they were advertising you could get a vehicle with little as XXXX cents down on approved credit so i figured i would give them a shot. Upon going to the dealer lot and filling out an application i noticed alot of the cars on the lot were old after sitting down with a sales manager i was approved at first for the XXXX cents down then they told me that i didnt make enough and would have to put down more so i ended putting down {$300.00} and my financed amount was {$11000.00} so i ended up getting a XXXX XXXX  XXXX le they dont charge you monthly like a normal car dealership its based off your pay frequency so i was paying for my car every two weeks in the amount of {$210.00}. The amount of interest i was paying for that car was around XXXX XXXX which is way too much for such an old vehicle i could of bought the exact same car cash for $ XXXX ended getting into a accident XXXX of this year where someone rear ended me on the freeway and totaled the car and the airbags did not deploy. unfortunately i had to get another vehicle through the same place because once i again i was short on money to go anywhere else and i needed a car as soon as possible to be able to go to work so ended up getting a XXXX XXXX XXXX XXXX for {$17000.00} which the car is nowhere near worth XXXX only values the car for XXXX or XXXX XXXX at the most. my issue is not only with price and high interest rate but they also do not fix anything on these cars they have a very limited warranty that covers parts that are not even going to break down on the vehicle any common issues they dont cover and leave you on own to fix or pay for this new car is already giving me issues regarding the suspension and struts and the brakes and wheel bearing there is all kinds lights going off and the check engine light on
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently used my information snd/ or the misleading information derived from XXXX breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for an examination of the challenged account, which the Credit Bureaus said was verified, in writing on XX/XX/2022. I used certified mail to get in touch with the data provider for the prior month because I felt they didn't thoroughly investigate my complaint. They were responding in a way that demonstrated my accuracy. Records kept by the credit bureaus demonstrate that it was false. I'm currently filing this complaint in response to the Credit Bureaus ' most recent investigation. I disagree with their conclusions and demand that the account I am contesting be given in its entirety. I am now requesting additional information from the credit bureaus about these specific accounts in question because I am not confident that enough was done to genuinely contact the creditor who is disclosing this information on my report. XXXX XXXX XXXX XXXX : {$650.00}.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I logged on to check something on their site in early XXXX and saw that it mentioned late payments in XXXX and XXXX. I was surprised since I have using the same process for years to make these payments. I never received any notification from Mr. Cooper my payments were late. I have been paying Mr. Cooper the same way for years using XXXX XXXX XXXXXXXX 's bill pay platform so no idea why the payments in ( sent to Mr. Cooper before due date on XX/XX/XXXX ) XXXX and ( sent to Mr. Cooper before due date on XX/XX/XXXX ) XXXX were not received and applied but I immediately using Mr. Cooper 's payment system made the payments due on XX/XX/XXXX. I even had XXXX XXXX XXXXXXXX reach out to Mr. Cooper with me on the line to explain the issue and Mr. Cooper even credited me the fees they charges as they realized this was a non-issue so assumed there would be no issue with this impacting my credit. I even submitted a ticket to Mr. Cooper to ensure this would not impact my credit ( ticket # XXXX ) with all the details on XX/XX/XXXX and never heard a thing. This is completely unacceptable Mr. Cooper to file something with the credit agencies based on misinformation. I submitted another ticket to Mr. Cooper on XXXX ( XXXX ) and also submitted two disputes with XXXX who took no action. My Wife and I have worked very hard our whole lives to ensure our bills are paid on time and maintain exceptional credit to have Mr. Cooper impact our credit scores like this after I proved these payments were made timely is just awful.
Product: Money transfer, virtual currency, or money service

I transferred Scammed XXXX XXXX XXXX XXXX DL is XXXX XXXX money through XXXX. who said I have a XXXX House In XXXX. I used Bank Of America, he used XXXX XXXX. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details, I wasnt that concerned with it. I send {$800.00} for Deposit on XX/XX/2019 and asked me have of rent {$420.00} and send on XX/XX/2019 .The transfer went through. He called me about 3 days later to confirm he received the money and said he was send by mail the house keys the property address XXXX XXXX XXXX XXXX XXXX AZ XXXX, I didnt received any keys and I called him back, he answered right away and said just wait for 2 days. 
Of course, then the scammer disappeared. His phone was turned off ; he never responded to any emails. He was gone. 
My bank, Bank Of America, were not able or willing to do anything after I was scammed, I think The XXXX is Mother of Scammer and Bank Of America is Grand Father for the people scam the customer. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Want to file complaint against XXXX, Equifax and XXXX. These companies are not complying with their own policies in a timely manner. All 3 companies were contacted on XX/XX/XXXX in regards to the following discrepancies. Also XXXX was contacted on XX/XX/XXXX. In addition to complying in timely manner, Violations of the CARES Act occurred during XXXX. On XXXX XXXX Letters were sent to correct personal information and inaccurate data still exists Late payments from XXXX XXXX - Acct : # XXXX during XXXX Dispute of Violations of the CARES Act Late payments from XXXX XXXX XXXX XXXX : XXXX XXXX during XXXX : Dispute of Violations of the CARES Act XXXX XXXX Acct # XXXX in the amount of {$52.00} XXXX XXXX XXXX XXXX XXXX : # XXXX listed duplicate Inquiries from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX XXXX XXXX  as a XXXX off as bad XXXX XXXX payments XXXX XXXX XXXX XXXX
Product: Credit reporting

ALL CREDIT AGENCIES ( EQUIFAX XXXX ) LISTED ACCOUNTS " NOT MY ACCOUNTS '' AND OUTDATED PAST 7YRS SINCE 2007 REPORTED PUBLIC RECORDS OUTDATED AND NEVER HAD ANY STATE TAX LIENS ( 2X ON FILE ) CASE # XXXX AND CASE # XXXX./..DELETE ALL FROM CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I have financed a vehicle with Mercedes Benz Financial. I have all my payments on time and XXXX of XXXX I have decided to pay off my car and sent a balloon payment and paid off the car. I have requested a paid off letter from MB Financial and enclosed with this letter so you can review and verify with MB Financial Services. After paid off the car I have pulled my credit report and noticed that MB Financial has reported reported Repossession on my credit report. I have contacted them several times and they advised me it was a mistake and it will be corrected within 60 days. As of today noting has been corrected and they did not corrected anything. I have contacted them again last week and been advised that because of the account inactive now it is a problem for them to update. Now because of their mistake my credit scores are suffering and I am not able to obtain my student loan and been denied because my law credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 COAF did a hard inquiry on my credit report. I have never tried to apply for a loan nor have I ever had any interactions with COAF. This hard inquiry was made without my permission. 

Institution Information Coaf XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

A time share scam took place and I was taken for a lot of money, I spoke with CITI and if you look up the charges and all the articles related to the charges which is easy to do using XXXX one can see these are fraud. I have been dealing with this situation for many years, my wife recently passed away and now I need to make financial moves and due to this I am unable to. Please help
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an ID Theft Report. Please find the ATTACHED documents to assist in the removing and blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The same collection XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reporting on my credit report twice according to section 609 section 611 I have the right to dispute an accurate information on my credit report and have it removed. I believe these two entries represent the same day and should not both be listed on my credit report. I have already submitted for reinvestigation and it came back verified without Sending me the proper verification.
Product: Credit card or prepaid card

Returned purchase of 1. XXXX XXXX XXXX {$27.00} & XXXX. XXXX XXXX XXXX {$39.00}. These were returned XX/XX/22 through XXXX XXXX with an XXXX Code of XXXX, which was emailed to me on XX/XX/22. The store advised me to return the items through XXXX XXXX. I received the bill and the items and I'm still being charged. I call the store and was told to contact Comenity Bank. I called Comenity and was told to call the store. This has been going on since XX/XX/22. I was by both parties my concerns are being elevated and I will receive a call with a 7 days. The bank continues to call me. I tell them the issue and they can only adjust the fees. Today, I have not received a call regarding my complaint