23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this number has continued to call me since i have received this number XX/XX/2015 ... they are looking for someone name XXXX ... on XXXX XXXX, 2015 at XXXX XXXX central time the number that states admin recovery at XXXX called asking to speak to this person, i advised the woman asking that she had the wrong number and not to contact my home again ... there soon after she called back on a toll free number at XXXX at XXXX stating " is that her, '' then not saying anything else ... i advised again that they had the wrong number and not to call back ... again on the XXXX XXXX, 2015 they called again from XXXX at XXXX i answered and no one spoke, i told them i was on the " do not call list, '' and that i would be putting in a complaint if they continued to call back ... XXXX, 2015 at XXXX they called back, i did not answer ... i figured answering the phone would help since i have beenreceiving annoying and harassing calls since the XX/XX/2015 with complete voicemails looking for someone i do not know and does not live here in my residents ... i would really appreciate if they did not continue to call ... thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going through the worst financial crisis that I could have ever imagined! XXXX  data breach along with XXXX and Capital ones and while since XX/XX/2018  Ive been personally trying to salvage my name from the ruins these companies continue to ask me to jump through hoops per their requests and Im not doing so well to do as requested. I have lost my credit card from capital one without reason and the lies that have been alleged in that circumstance is easy to prove and I have begged pleaded and bartered to submit my findings to collaborate. XXXX  hold Americans information and solicits it to gain in their own pocket while shaming our names and then asks us to do our own homework in order to be compensated as well as XXXX! I am on XXXX for XXXX  XXXX  and hi risk for XXXX XXXX and this is not good on my XXXX and yet ppl do not seem to understand the severity of these corporations. I have been in touch with these companies massively and yet nothing is being resolved and like can care less that they are the cause. People do not deserve this kinda treatment and I definitely do not because I havent done nothing to anyone. I have done my very best to maintain an adult behavior. I think that Mr XXXX at Capital one should be ashamed of his lack of concern for the consumer being neglected by his staff on his watch. I have emailed him several times with no reply. Rude! These other two companies leaking data seems to have tarnished my every possible chance of getting my equal and fair chance to getting credit and its caused me hardship. I feel as if Ill never rebound and wish I had a voice to just tell the world that this type of behavior from these corporations seems as loud and they fear no punishment as Ive seen for several months now.
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 : # XXXX, XXXX XXXX XXXX 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 XXXX 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

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Money transfer, virtual currency, or money service

Chase bank My checking account XX/XX/2022 unrecognized transactions {$990.00} {$1000.00} Total {$1900.00} I reported to chase but my fraud claim was denied. 
Please help.
Product: Consumer Loan

I had a loan through Check'n'Go for the amount of {$300.00} in XX/XX/XXXX. The agreement was to pay {$43.00} every other week for a year, which comes out to almost {$1200.00} after interest. 

I have the records from my bank of all the payments being processed for that amount of time, and as far as I could see, the loan and interest has been paid back. 

Now this past week ( XX/XX/XXXX ), which is 3 years after the loan was agreement was signed, Check'n'Go has started taking payments out of my bank account again for the amount of {$43.00}. I have already contacted my bank to tell them that these payments are unauthorized. 

I have contacted the company, but nobody is willing to look into the matter in order to resolve it. All that they say is that I need to pay them them money owed. But I have already paid them, so this is basically extortion.
Product: Mortgage

My husband and I have had some recent financial hardships over the past couple of years due to some family sickness with our family, rising cost of living with little or no increase in income, damage to our house due to recent storms in our area, and the cost of putting our oldest of our two daughters through college and the youngest who is still in middle school. Due to these recent activities we have feel behind with our mortgage through Wells Fargo Home Mortgage Company. We have been in communication with Wells Fargo in an attempt to do a mortgage modification loan since XXXX of XXXX which was advised by a Home Preservation Specialist from Wells Fargo by the name of XXXX XXXX. During the time we have been in communication with Wells Fargo to setup a loan modification our home was hit by Hurricane Michael in XXXX of XXXX which caused some damage to our home with some flooding to our kitchen and hail damage to our roof and some leaks to our ceiling. We reported this damage to our insurance company and to Wells Fargo at which time we were told that may qualify for a program for home owners that were affected Hurricane Michael. While this was going on we were told not to worry about making any payments and the damages to the home would need to be repaired before any resolution to our modification would be resolved. Due to all the homes in our area and state that were affected by Hurricane Michael it took our insurance company a while to get an adjuster out to see the damages to our home and issue and check to Wells Fargo for damages and repairs to be issued to a contractor. As of XX/XX/XXXX the repairs have been made to our house and Wells Fargo has sent out people to our home to take photographs of the repairs on three different times. As of XX/XX/XXXX Wells Fargo sent us a letter in reply for our request to a modification saying it was denied and we have been approved for a short sale instead. We also received and letter on XX/XX/XXXX saying we could reinstate the loan by paying an amount of {$9600.00} by XX/XX/XXXX. We do not have this kind of money to save our home from possible foreclosure and felt due to Wells Fargo delaying and dragging their feet we have been put in an impossible situation.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. 
nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I previously filed a complaint against XXXX  because I have been trying to access my assets for 4 months and can not get to them. I have complied with their requests to validate my account, 4 TIMES, and the issue has never been fixed. 

My previous complaint number is XXXX. The response from XXXX is a lie. My password is fine and I can get into my account and see my balance but I can not get into the individual assets to sell them. I am concerned that they are not solvent and that is why they are blocking me from accessing my assets.
Product: Credit reporting or other personal consumer reports

This is one of 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 account : XXXX XXXX XXXX. Please remove this account ASAP.
Product: Debt collection

I submitted a previous complaint with CFPB and I am asking CFPB to reopen. Paragon Revenue is a Debt Buyer and I do not owe them. I asked for a " signed '' copy of the original written agreement that I owe a debt them. Paragon sent me an XXXX  Health Statement, as well as a printout of XXXX XXXX Treatment and Authorization standard lingo with a printed version of my name, as well as the signature of a witness that is unidentifiable. I do not owe this debt to Paragon Revenue. I had never heard of and only learned of whoever Paragon Revenue is by seeing their name on my credit bureaus accounts. 

The company did not provide me with the documents I requested which is a signature agreement that I " signed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code $ 1681a - Definitions ; rules of construction. 
Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 134 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Regarding XXXX XXXX and Navy Federal
Product: Mortgage

I need to reduce the credit limit on my HELOC due to divorce. 

I have had three phone calls with Chase. Each time I call, I get different information about the process to reduce or freeze the account. The last time I called, I was told it would take 15 days to get a form to me, and 15 days after that to freeze the account.

I feel that the bank is be obstructionist about freezing the account. I am two months into the process of freezing this account. 

I have never missed a payment on this HELOC. The balance is approx 94,000. The limit is currently XXXX. I want to reduce the credit line to XXXX. 

The bank is now asking for my future ex wife 's signature to take any action. I can not get her to sign. So now I am finacially exposed due to Chase bank 's inaction.
Product: Credit card or prepaid card

Late XXXX I purchased a XXXX  online at Best Buy and I chose next day pick up..I picked it up next day..Few days later I was charged for a second XXXX that was going to be mailed to my home, but the XXXX never came..I did not make that purchase..I mailed the credit card through the website and explained what happened and they took off the second charge..but a month later it was back on my account..Ive been messaging back and forth for 4 months now but I keep getting automated messages saying its been cleared up but it has not, the charge remains on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX - XXXX there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. 

XXXX ( Inquiry XXXX ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXXXXXX ( Inquiry ) XXXX XXXX XXXXXXXX ( Inquiry ) XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX  XXXX The FCRA that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the reporting of late payments on my credit report by XXXX XXXX XXXX. 

Account Details : Account Name : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX The credit report indicates a 30-day late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. I previously disputed this with Experian on XXXX, but they upheld the late payment reporting as accurate. However, I disagree with their findings.

Under the CARES Act, passed on XX/XX/XXXX, and extended through XX/XX/XXXX, creditors were required to report accounts as current if payment accommodations were made due to the COVID-19 pandemic. During this period, I faced financial challenges caused by the pandemic and made efforts to communicate and seek accommodations. Therefore, the reported late payments are inconsistent with the protections provided by the CARES Act.

This inaccurate reporting has negatively impacted my credit score and financial standing. I request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the CARES Act and the Fair Credit Reporting Act ( FCRA ), and direct the credit bureau to remove or correct the late payment information.

I am also attaching supporting documentation to substantiate my claim, including the payment history for the account and information on the CARES Act 's expiration date.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I navigated to " XXXX '' to get by free annual credit report. I had no issues with XXXX or XXXX but when I tried getting my report from Equifax I was asked security questions which were all non-relevant to my credit history. I had to answer " NA '' for all these questions and as a result, Equifax denied to show me my credit report. I then tried for a 2nd and 3rd time and was faced with the same issue, non-related security questions. I believe Equifax is intentionally denying me access to my annual credit report because they want me to pay. I would like this fixed.
Product: Credit card

On XX/XX/XXXX, I made two payments for two different Capital One accounts using my XXXX account to make the payments. Only one of the payments of {$200.00} was applied to my Walmart/Capital One card. The other {$200.00} payment was rejected because the letter sent to me from Capital One stated that unfortunately my payment in the amount of {$200.00} posted on XX/XX/XXXX was returned by my financial institution because of an invalid account number and that " we have debited your capital one account for this returned payment. I used the same account for both payments and I didn't authorize Capital One to debit my account after sending in a payment. I called and was given the runaround by 3 different CSRs with nothing resolved. One young lady acted like she couldn't barely speak any English and kept me on the phone for almost 2 hours continuously stating that she would file a report. No report was filed and when I called back, the CSR acted like he knew nothing about a previous phone call. To make matters worse in XXXX, I didn't receive a bill/statement for XXXX, so on XX/XX/XXXX I sent in money orders to pay both my accounts. Both money orders were for {$200.00} one for my Capital One Walmart and my Capital One Platinum card. I called on the XX/XX/XXXX because that's my due date. I was told by CSR XXXX that the payment for the Capital One Walmart card was there but there was no payment for the Capital One Platimun card. I stated that i sent them both on the same day and that I wanted to speak to a supervisor. I was then transferred to CSR XXXX  who acted like she didn't know what a money order was and when did I order the money?? I asked to speak to a supervisor and was transferred to XXXX who stated that the other {$200.00} money order had arrived on the XXXX and that it would take 5 day for it to process because it wasn't sent in the courtesy envelope. this behavior is unacceptable and should be addressed. MY plan is to pay off these cards and not deal with Capital one anymore
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reviewed my credit report and I noticed that there is inaccurate misleading information on my credit report concerning charge offs and collections accounts that have been repeatedly sold and reported multiple times. These practices violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 605,607,623 which mandate the accuracy, fairness and integrity of consumer credit reporting.Under 605 ( a ) of the FCRA reporting agencies must ensure that only accurate information is reflected on credit reports. Repeatedly listing the same debt under different collection agencies or reporting a sold charge -off as still owed by the original creditor constitutes duplicatiative and false reporting. Futhermore section 623 requires data furnishers to provide accurate completion information while section 607 mandates that credit bureaus adopt procedures to assure maximum accuracy. The repeated resale of these accounts have caused significant harm to my credit worthiness and financial well-being and constitutes willful negligent noncompliance with the FCRA. Additionally under section 616 FCRA as a consumer I am entitled to monetary relief for willful violations with statutory damages of {$1000.00} per occurrence in which I am seeking for the harm caused due to their neglect to investigate and correct these errors. Acct : XXXX XXXX ( orig creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ( I never lived at this address nor is this to my ss number? 
XXXX XXXX  ( orig creditor : XXXX XXXX XXXX  ) XXXX ( removed & reinserted ) not notified XXXX XXXX ( chargeoff ) no 1099c received from creditior XXXX XXXX XXXX ( orig creditor ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : XXXX ( chargeoff ) no 1099c received from creditior
Product: Vehicle loan or lease

Showing as potentially harmful on all three credit reports, showing as charged off, but was included in bankruptcy, I never received XXXX. This is a joint account XXXX, XXXX, XXXX
Product: Prepaid card

I received a Vanilla Visa gift card as a gift from family friends. It was loaded with {$200.00} on XXXX I used it one time for {$12.00} on XXXX  at an amusement park and then never again. When I tried to use it months later, it declined and after checking the funds, the other XXXX  mysteriously went into random transactions in XXXX  with purchases at target and another place that I had not made. I emailed their customer service and went back and forth with them for some time with no actual help and by the end of it, none of my money was refunded. I forgot about it for some time but now that Ive found this card again I would like still like something to be done about it.