23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We bought a lot of land on XX/XX/2022 from the XXXX XXXX located at XXXXXXXX XXXX XXXX XXXXXXXX Texas XXXX with phone number XXXX On the XX/XX/2022 I texted the sale rep XXXX XXXX our intention to cancel the contract of sale because we smell a foreplay with the purchase, we were not given the property report before and after signing the contract of sale document. 
We were only given the CONTRACT OF SALE DOCUMENT. Also in the contract of sale it was a wrong description of lot and size that written which we told the sale rep but she said we should go ahead and sign without correcting it which makes the contract voidable under the law After I texted the sales rep our intention to cancel she became rude and stop reply my messages laterhe said the office was closed that on Thursday XX/XX/2022 will be opened, so I called the company on Friday XX/XX/2022 the sale rep said the manager travel that he will be back on Saturday XX/XX/2022. 
So I called the company on the XX/XX/2022 and I spoke with the manager after so many attempts and I told him our intention to cancel, so he became rude and said I can not cancel, so I told him I have the right to cancel because I was not give a property report under the cancellation of the contract of sale thats says if you did not receive a property report prepared pursuant to the rules and regulation of the office of interstate land Sales Registration, US department of housing and urban development, in advance of YOUR SIGNING THE CONTRACT OR AGREEMENT, THE CONTRACT OR AGREEMENT OF SALE MAY BE CANCELED AT YOUR OPTION FOR TWO YEARS FROM THE DATE OF SIGNING So the manager said I have to call the mortgage company after so much demand I was finally given the contact which is the in house finance called UEMC ( UNITED EQUITABLE MORTGAGE CORPORATION ) located at XXXXXXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX with phone number XXXX I called the mortgage company and told them my intention to cancel and reason for Cancellation They said they will get back me After so many attempts they stop picking my calls not until after a week I was able to speak with their Vice President and told her I was not giving a property report and am still within the two year stipulated in the contract of sale document but she insisted that I cant cancel and I can do whatever I like because I said I will report both company to the necessary authority and seek legal address for their mispresentation The vice presenting keep trying avoid the property report cancellation clause, using the 7days cancellation notice clause only This so disappointing when a mortgage company And the property seller can not stand by the contract of sale cancellation clause they formatted themselves and depriving the Buyers of their contractual right. 
The mortgage company also have lot of bad review on XXXX with XXXX star rating so they have been treating people unfairly I will be attaching the page of the cancellation clause of the contract Email conversation between i and Vice President Copy of contract of sale received Wrong description of the lots we bought in the contract of sale
Product: Credit card

I received a letter in the mail from Chase Bank dated XX/XX/XXXX that the account is being closed on XX/XX/XXXX due to another chase card account that was previously closed. 

I called Chase Bank today on XX/XX/XXXX to get an explanation. I called the number given to me in the letter that clearly states if you have any questions regarding this matter to please call the provided number. I did. 

I was then told by a customer service rep they could not give me any more information than what was provided in the letter and that they had no more information to give and that there was no one available to give me a reason why it was closed.
Product: Debt collection

I was checking my credit report today on XXXX XXXX, and, a collections account had been opened by LVNV Funding, LLC, in XX/XX/, however, I have never received any mail regarding this collection account from LVNV Funding, LLC, nor, regarding any information about the account, nor information about disputing the debt, etc. I literally have received no mail from this company whatsoever regarding this account.
Product: Credit reporting or other personal consumer reports

Recently, I sent a dispute to Transunion requesting they reinvestigate the account with XXXX that remains on my credit report. In my previous complaint I indicated that this account was reporting inaccurately without mentioning any specific inaccuracies. 

On XX/XX/year> I received my Investigation results from Transunion ( I have attached the Investigation Results for your review ). The results stated : " VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; other information has also changed ( balance ; Date Updated; Past Due : Pay Status ; Remarks ; Maximum Delinquency ; Rating. '' How was this account " verified as accurate '' but also UPDATED? It is extremely misleading, litigious and deceptive. A Credit Reporting Agency can't indicate that something is accurate but claim to have made updates. Keeping this in mind my initial dispute was factual and the information was reporting inaccurately as I suggested upon the dispute being received and investigated by Transunion and XXXX. Therefore, the investigation was not in compliance. As you know, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

Due to inaccurate reporting in addition to Transunion claiming the account was accurate while also updating specific information I never disputed, I am demanding that this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

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

My sister and I were on a FHA loan. We decided to sell the home and requested our loan servicer ( XXXX  ) to place us in forbearance during that process. They agreed, and the loan was approved for forbearance for XXXX, XXXX, and XXXX of 2024. When XXXX came and the home still wasnt sold we asked if we needed to pay the entire amount due or if what was owed could be placed at the back of the loan, so that we could start fresh with XXXX payment. We were approved and placed in a trial program ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which was to start XX/XX/year>. We never missed a payment and were never late. We sold the home XX/XX/year>. While in the trial program, the loan was transferred to a new loan servicer ( XXXX XXXX  ). On my credit report the mortgage loan reports as XXXX  days late, which is inaccurate. An approved forbearance can not be reported as XXXX  days late and, while in the trial program we were never late. I disputed this inaccuracy with all XXXX Bureaus and the information has not been updated to reflect accurate information. Due to this error, I can not buy a home now or in the near future and am forced to rent a home for my family. I have attached the proof of XXXX  and XXXX XXXX. I provided this same proof to the Bureas.
Product: Credit card

The extra credit card company did not mention that there was a {$200.00} annual membership fee on their policy. Since I was unaware, I decided to contact XXXX to close the account. The membership fee was already in the process, so the amount was expensed from my bank account on XX/XX/year>. Since then I have requested XXXX to close the account and reinstate my refund. The process has not been done. They have taken out {$200.00} and still have my account open as I already requested the account to be closed. The extra company can take out {$200.00} a year without consumers using their services and even while requesting cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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 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 or other personal consumer reports

Dispute of Inaccurate Late Payment XXXX XXXX XXXX, Account No. XXXX To Whom It May Concern, I am submitting this dispute to formally challenge inaccurate late payment information reported by XXXX XXXX XXXX on my consumer credit file. 

Upon reviewing my credit reports, I discovered incorrect late payment marks associated with Account XXXX. XXXX. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) and 1681 ( 2 ) ( Xi ) to dispute and request a reinvestigation of any inaccurate or incomplete information. 

Disputed Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : Incorrect late payment reported as XXXX days late for XX/XX/year> Additional Discrepancies : Incorrect XXXX, XXXX, and XXXX late marks for prior months ( XXXX, XXXX, and XX/XX/year> ) Request : Immediate correction and removal of late payment history Basis for Dispute : XXXX. The reported XXXX late payment for XX/XX/year> is inaccurate. 
XXXX. The prior reported late payments ( XXXX, XXXX, and XXXX days late for XXXX, XXXX, and XX/XX/year> ) do not accurately reflect my payment history. 
XXXX. My last recorded payment was made on XX/XX/year>, and my account was last active on XX/XX/year>. 
XXXX. The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy ( 1681 ( 2 ) ( Xi ) ). If this information is inaccurate or unverifiable, it must be removed or corrected immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was moving coins between my XXXX and Coinbase account to transfer them out until I got an error and was logged out of the system. Trying to log back into XXXX it again gave me an error but this time showed a splash that I should contact support. I called the support line and case # XXXX was put in for me about my issue, XX/XX/XXXXI received a reply saying that " A manual review has determined that you are not eligible to use the Coinbase platform to purchase digital currency. Were sorry for any inconvenience that this may cause. We regret that we are not able to supply you with any additional information. Please note that we have not blocked access to any balance currently in your Coinbase account. While we can no longer process buy orders via our banking relationship, you may withdraw these funds at any time. Again, I apologize for any inconvenience this has caused you. ". 

After reading this I assumed that I could log into XXXX to retrieve my coins, I saw the same error and splash saying I should contact support. I contacted specifically XXXX  support this time due to me not knowing at the time that support for Coinbase and XXXX  were the same. Given the case # XXXX, I received 2 responses that next day the XXXX. One from Coinbase support saying that my banking limit had been increased to {$10000.00} and one from  XXXX support saying that they have received my request in reference to case # XXXX. 

My next attempts to get access to my XXXX account was just me calling support, being told that " my case is getting escalated to a higher level '', and that " they're waiting on a response from the specialist ''. The last time I contacted XXXX/Coinbase support about this issue was XX/XX/XXXX. Until today XX/XX/XXXX where I wanted to verify that nothing has changed, the support on the phone gave me the same spiel as I had been previously getting.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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! 


Update the late payments from my consumer reports
Product: Credit card

I filed a ftc report pertaining to this alleged fraudulent charge card account and sent the ftc report to Discover Bank. Making them aware of the fraudulent charge card account that was opened by someone else using my identity. The company responded back to me through USPS mail stating that. This account was in deed owned by me which is 100 % false information. When I first contacted the company Discover Bank about this issue through the CFPB complaint website. Their company didn't even have my current address on file in their system until I filed a complaint using the CFPB portal website. And they took my address where I have currently been residing since the year XXXX and committed fraud themselves. By switching my current address on the bank statements that they sent me through USPS mail. On XX/XX/XXXXXXXX  when in fact this fraudulent account had been open under a completely different address that do not belong to me. As XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I have uploaded and attached the " REPRINTS '' with this complaint showing proof that. Discover Bank have committed fraud using my identity to make the credit reporting agencies believe this account legally is owned or belongs to me.
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 has violated my rights. Or a 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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Experian Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN XXXX XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I contacted cash app support about a dispute I filed XX/XX/XXXX for an update on the dispute while after the dispute my cash card was deactivated off my account without any one asking or me saying I wanted another card I had to pay XXXX $ for this cash card and I was hung up on by a representative at XXXX after calling about this problem the representative told me not to be mad on the phone and I stated I can be as mad as I wanted because my account with my money on it is being jeopardized and I was hung up on and no longer received a call from cash app
Product: Vehicle loan or lease

I have a complaint against Capital One. I am a current credit card customer and previously had an auto loan through them. They sent me an offer to refinance my current auto loan through them without it impacting my credit. I was approved and even signed a letter of attorney to have them get the lien. They are now calling me multiple times. When I call back it goes to an automated message saying I am approved. I have to go to another automated message to speak to customer service and they say they need one of my bank account information. I have given them all of the information in the documents and I can not get through to a supervisor. I have called three times. I want this loan canceled and the hard inquiry off my credit report. I am considering canceling my capital one credit cards because I do not trust them with my information at this point.
Product: Credit card or prepaid card

I found out I was a victim of identity theft on XX/XX/XXXX, and I called Citi to inform them. Once I did that, they allowed someone to add a signer onto my account, they allowed a card to be rushed to an address never on my account, in another state, they have allowed my card to be used and added to an XXXX XXXX after I called over XXXX XXXX with over XXXX XXXX in call time. They will not give me information on my account, they will say they need to send me a letter to verify that I'm me, while they continue to allow my card to be used. I've asked for them close my account, and they won't. They have hung up me and refused to talk to me about my own account, that is attached to my card, I was told I needed to give them the name of the person added to my account, or I could not pass verification, and if I knew them. I believe this is an inside job, every time I changed someone, they changed in minutes to hours later. I'm concerned because they have taken over my account, I don't know where the bills will go, what the new credit card number is because they sent it to XXXX XXXX, not my XXXX Address. I can't have access to my account to file a dispute. I also received two text messages today, from unknown numbers calling me names and asking me to not spend my time, trying to get this fixed.
Product: Checking or savings account

REGIONS BANK ALLOWED A COMPANY CALLED XXXX TO TAKE MONEY OUT OF MY ACCOUNT IN SOMEONE ELSE 'S NAME THE NAME XXXX XXXX THERE IS NOT A XXXX XXXX ON MY ACCOUNT XXXX TOOK OUT {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$150.00} 0N XX/XX/XXXX, {$140.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX {$120.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$100.00} ON XX/XX/XXXX, {$99.00} ON XX/XX/XXXX, {$92.00} ON XX/XX/XXXX {$86.00} ON XX/XX/XXXX. AND ANOTHER & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card

I am a current Capital One member with open accounts in good standing. There is an old credit card account that was settled and closed in XXXX  that is still showing on my Capital One online dashboard and their mobile app 6 years later. After repeated calls to Capital One customer service and technical support they have been unable to provide a solution to remove the charged off account from my online dashboard. They have assured me that the account will be automatically removed after XXXX  days with a XXXX balance. Again, it has been 6 years and the account is still present so obviously this is not the case. I have numerous sources assuring me Capital One has the ability to remove these accounts.
Product: Checking or savings account

I currently work for XXXX  of XXXX  and XXXX Arizona, when payday comes I go to the nearest ATM to withdraw money to give to my sister for rent as I am Currently living with her, I pay {$260.00} in rent and every time I go to the ATM I am immediately gouged for withdrawing money and I don't understand why. the date that this happened today XXXX