23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Around XX/XX/2020, I was placed on a forbearance. I have always had issues reaching out to the mortgage company, but recently I was provided options for what to do after the forbearance and I chose a loan modification. I asked for the terms of the modification and was told they could not tell me them, that I would just have to accept the paperwork when it arrived. I provided a mailing address in Pennsylvania, but the documents were mailed to Texas. They only gave me 7 days to sign and mail back the documents, but due to their error, I was not able to mail the documents in that time frame, especially since I had questions about the documents and was once again unable to reach a company representative to ask how to resolve those issues. Some of the issues pertained to what the notary had to do, as the documents mention a California notary and I am, as I mentioned, in Pennsylvania. I tried to contact the mortgage company multiple times in multiple ways by phone, through their website, through XXXX and still did not receive a callback or any assistance. They even gave me a robocall saying I needed to call them, but when I tried to call, I could not get through and the system to enter my number for a callback went into a loop, asking for my loan number, then my phone number, then my loan number again. When I tried again to call today, after I went to the notary just in case I could mail the documents, I again had the same experience with phoning. My experience with them since day one has been very disappointing. In addition, when I call, they say there is a new phone number to reach them, effective XXXX XXXX, yet their website and all of the documents they have mailed me still have the older number, which still appears to be working. There is much more to this experience, but this is the most recent and egregious.
Product: Debt collection

Good afternoon, Wayfair/Commenity bank has been harassing a number of my family members while I try and settle my account with them. I do not know how they even got any of these other phone numbers, but none of the numbers they have had on file the 2 times I called were my actual phone number which had been provided to them previously. 
How did they find these other phone numbers of my family members as I did not give it to them? Why are they calling these other numbers multiple times a day as well? 

It is very scary the tactics that they are using to try and force me to settle for an amount that I just can not afford with the state of the economy and the pandemic, which I lost my job because of. I have asked them to settle for an amount that I can afford and they have declined the settlement.
Product: Mortgage

They are delaying my closing by not transferring my appraisal to another lender. They could not qualify me but the other lender did. They are holding my ability to close the loan XXXX by saying it takes up to XXXX business to transfer the appraisal. 

I was informed that it takes XXXX business days to do a simple appraisal transfer. They are putting me in jeopardy of being in breach of his contract.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX pulled my credit over 30 times without my consent it is hurting my credit score significantly please assitit with removing these hard inquires. 
Fair Credit Reporting Act ( FCRA )
Product: Debt collection

This debt was deleted from my credit report a year ago. I started receiving calls several times a day from " Paramount Recovery '' I finally answered them, and they verified my name, ask about a this debt in which I told them it had been resolved. I never received a letter from this Co.! Within 60 days it was reported and put back on my credit report. They continue to call just to hang up on me upon answering... But, never say anything, after reporting this to credit bureau in which dropped my score XXXX  XXXX. This is the ONLY derogatory on my credit report and has messed me up. I need to know how to go about getting this taken off. I was never notified by this Co. By mail.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX 's XXXXsynchrony XXXX XXXX acct # XXXX, has violated my rights 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I have the right to privacy as well as they have the responsibility of reporting with fairness.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] section 604 A section 2 : Also states a consumer reporting agency can not furnish a account with out my written instruction 15 U.S. Code 1666b - Timing of 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
Product: Credit reporting or other personal consumer reports

In XXXX, an account was opened with XXXX XXXX. Sometime in early XXXX, the account first went delinquent. It subsequently went through multiple cycles of delinquency and current status until it was charged off in XXXX. In XXXX, payments toward settling the debt were initiated through a lawyer hired by XXXX XXXX. The debt was fully paid off in XX/XX/XXXX. 

Despite the original delinquency occurring over seven years ago, the account still appears on my credit report as of XX/XX/XXXX. A dispute was submitted to TransUnion to investigate and potentially remove this information. The dispute was marked as " resolved '' as of a recent date, but no significant changes were made to the account information, other than updating the remarks. TransUnion has kept the account on my credit report, which shows a payment history only going back to XX/XX/XXXX, marked as 60 days past due. XXXX XXXX has failed to furnish data predating XX/XX/XXXX despite multiple inquiries. 

Early XXXX : Account first went delinquent. 
XXXX : Account was charged off. 
XXXX : Started paying off the debt through a lawyer. 
XX/XX/XXXX : XXXX was fully paid. 
XX/XX/XXXX : Account still on the credit report despite being over 7 years from the original delinquency date. 
XX/XX/XXXX : Dispute submitted to TransUnion. 
XX/XX/XXXX : Dispute marked as " resolved, '' but only the remarks were updated. 

Initiated dispute with TransUnion. 
TransUnion marked the dispute as " resolved '' but only updated the remarks. 
XXXX XXXX failed to furnish complete data pre-dating XX/XX/XXXX. 

I urge the CFPB to investigate these actions taken by TransUnion and XXXX XXXX. Both companies have failed to uphold their responsibilities under the Fair Credit Reporting Act. TransUnion did not perform a proper investigation into my dispute, and XXXX XXXX has failed to furnish accurate data pertaining to the delinquent account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation into disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPAs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA bank accessed my credit report on XX/XX/2022 and did a hard inquiry on my credit. I never authorized CNBA to access my report. Much less, I dont even know who or what company this is. This inquiry has had a negative impact on my credit report among all 3 major Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I submitted a letter to Experian about unauthorized inquiries on my credit report, they sent a letter back saying these inquiries were VERIFIED. I would like to know how they verified this information, because I didn't give anyone permission to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian letting them know that they were reporting false information onn my credit report and they refused to delete the items in violation of the FCRA and in violation of requisite XXXX Compliant reporting standards. They are listing collection accounts as being open and also a Past due balance. 

According to the FCRA I have a right to a completly accurate credit report and are required to remove any information that is not true, verifiable and accurate. The following accounts are being illegally reported : XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received an alert on my credit report from IC Systems and don't know why. No company name listed with six {$120.00} dollar and 2 {$93.00} dollar entry 's with no explantion.
Product: Student loan

On XX/XX/XXXX, I called the Aidvantage customer service number to ensure that my payment information was on-file in preparation for student loan payments restarting. I spoke to the representative and she told me that everything was good for all my loan payments handled by Aidvantage to be auto-debited once repayments commenced. I also set up a payment plan that extended my student loan life from 10 years to 30 years in order to lower the monthly amount due. 

During the first days of XXXX, I received an email from Aidvantage notifying me of an unusually low amount due. I called Aidvantage again on XX/XX/XXXX to understand the situation and they informed me that the representative I spoke to during the XX/XX/XXXX call did not correctly apply the repayment plan I thought I had signed up for that extends my loans to a 30 year plan. I spent another hour on the phone to ensure the payment plan was applied correctly and to ensure Aidvantage had my bank account information in preparation for repayment on all of my loans. 

Later in XXXX, I received 2 emails from Aidvantage notifying me of 2 payment amounts due that did not agree to the amounts the representative communicated to me on XX/XX/XXXX. I called back yet again on XX/XX/XXXX to try and rectify the situation. The representative once again spent more time adjusting my payment plan and assured me that my payments had now been set up according to the 30-year graduated plan. She further assured me that my banking information was on file and auto-payment was set up for all my student loans. 

On XX/XX/XXXX, I received an email from Aidvantage notifying me that I was past due for {$160.00} on my account. I attempted to call on XX/XX/XXXX but the office was closed for XXXX XXXX. 

Issues : I have accrued additional interest on the amounts past due because of the negligence and incompetence of Aidvantage employees. They assured me several times that my account was set up for auto pay. In fact, a small portion of my payments were successfully withdrawn, but not the full amount, which caused the {$160.00} past due amount. 

I am requesting that Aidvantage be disciplined and fined for their incompetence and negligence, and that the interest accrued on my past due amounts be refunded to me due to the fact that Aidvantage falsely informed me that I was set up for auto-pay on all of my loans. 

Aidvantage has also caused me a great deal of distress due to having to spend hours speaking to incompetent and undertrained employees that communicated incorrect information to me and dealing with confusing emails that incorrectly stated payment amounts due, on top of accruing interest on past-due amounts that I was notified would be automatically withdrawn from my account. 

I made a manual payment for the past due amount on XX/XX/XXXX. I anticipate this will be an ongoing issue given Aidvantage 's inability to correctly handle payments. 

Please contact me directly for account info, email copies, phone records.
Product: Bank account or service

on XX/XX/XXXX I had tried to use my Bank Card and my account was overdrawned so upon going to the website looking at my account I noticed that a few unauthorized transactions had been taken out of my account and so when I got off work I called the fraud team at the bank to let them know about these transactions. She informed me that the money had been taken out by my debit card which is hard to believe cause nobody but me has asset to my Bankcard or pin number. On XXXX/XXXX/16 I had XXXX transactions XXXX for XXXX and XXXX for XXXX which I stated to her I know nothing about she said they came from a XXXX Branch , I know nothing about that Branch only been to the XXXX at XXXX XXXX XXXX the only branch I know about in this area, she stated that they would pull the film from the camera to see who was at the branch at the time, I want to see who it was also cause I have XXXX dollars missing from my account. Then on XXXX/XXXX/2016 somebody withdrawn another XXXX. from my account that I know nothing about. So if any kind of investigation was done than you would know that it was n't me and could n't have been my card cause I had my card with me at work on both of these days and I was working on the XXXX XXXX. So now I recieve a letter that the transactions were authorized by me if they were where is my money cause I surely did n't get it? I have no idea where my money went and she want to tell me I authorized these transactions well I do n't even know how the money came out the bank but she says my bank card which is so not true cause my card is in my purse at all times.This is fraud and I turned in a fraud report and I want this fully investigated cause my money is gone and somebody has to account for it. I also had a problem with Huntington that was never solved where XXXX XXXX took funds from my account that was n't supposed to be taken and I gave them the paperwork with no charge on it so surely my XXXX. should have been refunded to me. Now if any film were pulled you did n't see me at the machine cause I do n't even know where that branch is, my money should have been put back in my account. my husband has his own card. He never uses my card and I do n't bother his. So if it 's not me or my husband getting the money out nobody should have it is mine and my husbands account so neither of us got the money where is it I do n't work for the bank.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have unauthorized credit inquires on my XXXX credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Checking or savings account

I have an account with Chase Bank On XX/XX/2022 I was trying to use my card to make a purchase however my card has been declined. I left the store and went over to the bank to see why my card was being declined I spoke to a young lady she told me my account was closed. why I dont know why? I never got any messages saying that my account has been closed and this was on XX/XX/XXXX its now XX/XX/2022 and every time I called the bank they giving me the runaround. I went inside one of the branch and spoke with a manager they told me what I needed to submit Proof of employment. I submitted everything that they asked for and Im still getting the runaround every week I called they tell me something different, they told me the last time that two weeks time I should be able to get my money its been two weeks since XX/XX/XXXX and now its XX/XX/XXXX. Now theyre telling me that the next two weeks I would be able to get my money from my account that they closed I really dont know what to do. My Rent is past due, my car payment is past due and I am not sure what else to do or where to go.
Product: Payday loan, title loan, or personal loan

I obtained this loan in a tight spot due to a family emergency. Never did I imagine this con artists would still be trying to rip me off after paying over {$15000.00} on a borrowed loan of {$3100.00}!! I put an immediate cease and desist on them because after setting up arrangements on my payday every month of the XXXX, they continued to harass me via email, which I NEVER gave them authorization to do so but only for receipt of payment, as well as ridiculous calls to my cell and work. My attorneys, who I worked for grew concerned and asked if I needed assistance, but I wanted to take care of it myself. I replied to their emails in an angry and unprofessional way but they stopped contacting my cell. Recently in XXXX and XXXX, they left voicemails again and apparently tried my work again. I took screenshots and have attached the ones they left messages on. They also illegally took money from my account when I informed them of this. I spoke to a manager who acknowledged they got the notice but they did nothing. My bank finally refunded me all the fees and monies while I was furloughed in XX/XX/2020. They are negatively impacting my credit and refuse to satisfy this debt after paying over {$15000.00} on a loan of {$3100.00}. They need to be criminally investigated and I am seriously looking into a legal class action suit.
Product: Credit card

We bought a mattress and springs using promotional financing from XXXX with Synchrony Financial. The mattress is a defect. The side is not sturdy on XXXX side and people roll off. and XXXX sent out an inspector but he did not spend more than XXXX minutes and did not return this product. This defect has resulted in XXXX XXXX to my family. This is unacceptable and XXXX/Synchrony needs to issue a full refund. I will not tolerate further injuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. My payment date was changed with XXXX XXXX in XX/XX/2016, but Experian never updated the payment date on their side to reflect the new payment date. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Credit card or prepaid card

I wrote about a month ago about a late fee Target refused to refund me. This fee was under dispute and now I get a bill with a late fee on top of that late fee. I understand I was late paying my bill- but I have been displaced from my house for over a year due to a store and was living between an rental home and spent the last 5 months in a hotel room with my family. Picking up mail and staying organized was a bit of a challenge when you work 60 hours a week and are between your home and a hotel room. PLUS I disputed the charge and only just got the decision from CFPB- while this was under dispute I should have gotten a 1 month reprieve on paying the late fee while it was being disputed. BUT NO I got charged another {$30.00}. I refuse to pay this -- Target is taking advantage of me and I called and they acknowledged the fee was under dispute and said too bad- you are now charged another fee. 
I work for a financial services company and know CFPB is pushing for banks to waive overdraft and nuisance fees... why not push to have this credit card company waive a fee for a family that is displaced from their home and living under very difficult conditions. 

I hope Target enjoys the {$60.00} in fees and it was worth losing a customer -- I will NEVER shop in that store again and I will not pay this additional {$30.00} fee -- it is taking advantage of a customer that had a fee under dispute and it is despicable. Customer loyalty goes both ways and if they will not address this with waiving a fee then they will never get a loyal customer out of me or my family. This is the only recourse the consumer has anymore -- ban the brands that do not take their customers seriously and do not align with our values. My social circle is large and we all feel the same -- Target will be my target -- hope the fee revenue was worth the ding on your reputation and your future revenue.
Product: Credit reporting or other personal consumer reports

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect
Product: Credit card

i was charged tons of ridiculous fees and charged for credit to balance fee for {$48.00}, what is that and why was i charged for it and how can i get it refunded??