23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had XXXX XXXX  account with Optum Financials. For more than XXXX XXXX XXXX  or even longer time, evey time when I tried logged into my account, there was problem with my login. Either I have to reset my password, or I have to call them to reset my account. It has been wasted me so much time to call them again and again. If they can not do the job, then close their business, and let other banks that can do it to take care of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX account number # XXXX Closed account Incorrect information reporting I have never signed documents to receive a XXXX XXXX credit card and they are reporting negative information to credit bureaus Ive tried to reach out to your customer service with no help as well as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX  account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) result of identity theft These are not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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
Product: Debt collection

On XX/XX/XXXX.. a treating XXXX at XXXX XXXX performed a "  XXXX   XXXX '' XXXX without my consent. I was told that the XXXX would be completed at the same time as my XXXX XXXX, which was scheduled at a later time. Subsequently, I was billed for services performed without my knowledge. 
On XX/XX/XXXX, I filed a formal grievance and received receipt of that grievance on XX/XX/XXXX. 
On, XX/XX/XXXX, XXXX adds a XXXX XXXX debt collection onto my credit report. XXXX and XXXX  do not and have never included this as a valid debt. This is in error and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a Chase card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a Chase account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried for two weeks to get into my Experian credit service account. i have reset my password on their request more than 15 times and each time they tell me that i have a new password yet when i try to use it i still can not access my account. i have called them multible times with long wait time with no results. today XX/XX/12 i talked to three agent each of them sent me another person after telling me they could not help me. after 45 minutes i was told the next person would be with me some time after 15 minute. at that point i gave up. 
can u help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected as soon possible : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX XXXX XXXX {$9500.00}
Product: Mortgage

1. On the basis of CashCashcall web ad, XXXX XXXX/XXXX/2015, I filed the application online for 15 year fixed 2.75 % mortgage loan with no closing cost. 
2. Cashcall sent me the confirmation but without the rate lock. Then again changed the loan rate at 2.875 % for 15 year fixed with {$990.00} Cashcall Lender fees but again no lock-in rate. 
3. on XXXX/XXXX/2015 I talked to XXXX XXXX XXXX XXXX Cashcall and asked to match the rate & terms offered by Quicken loan i.e. 2.875 % fixed 15 year mortgage with {$170.00} lender fees. He asked me send their e-mail so that Cahcall will match XXXX Loan rate & terms. 
4. My e-mail of XXXX/XXXX/15 indicated to Cahcall that even though Cashcall Ad shows 2.75 % 15 year Mortgage with no cost, why their disclosure shows it at 2.875 % for 15 year loan with {$990.00} fee cahcall total fees. 
5. How ] ever, e-mail of XXXX/XXXX/2015 indicated that the total money required at closing would be {$140000.00} while the title company XXXX Form shows these as {$130000.00} which exclude the Cashcall fee plus the home insurance cost which would definitely be much less than {$15000.00}. I asked the loan processor XXXX XXXX XXXX to provide the detailed explanation for this difference but so far he has not provided me the detailed explanation. 
6. Cashcall e-mailed that they did approved my loan but so far failed to provide me the final commitment letter with their promised fees of only {$170.00}. They are using the delaying tactics of asking the XXXX forms of the stocks which I do n't even own now. Well, they e-mail me of XXXX or XXXX at a time asking for the same documents copies which I already gave before. Thus filing to provide the final commitment and the detailed expenses as per their oral promise and making sure that just couple of before the closing they would jack their fees extensively and forced us to p [ ay much higher expenses that their initial disclosed XXXX plus failing to match the promised quicken loan rate and terms. 
I believe that such practices are not only unethical but may be even illegal. Hence, I seek your immediate help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX- This Alleged charged-off account is reported inaccurately I have disputed this debt Already yet the alleged charged-off account has not been marked disputed nor has a true investigation been conducted into this inaccurate data displayed on my file as shown by the Current Balance and past due balance which is still reporting after this alleged debt was sold to a third party - Yet the data displayed on the Account does not even inform us that it has been sold I mean maybe the data furnisher would have furnished that information if the last time they updated the status wasn't XXXX  furthermore Why isn't this alleged charged-off account displaying an account number?? how would a consumer such as myself be sure that is not a mixed file? This data is incomplete outdated and inaccurate and sworn violation of USC title 1681Eb I want this alleged Charged off account deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account and transunion failed to respond within a 30 day timeframe as enforced by FCRA nor did they validate the account on my credit report was accurate
Product: Debt collection

I just received a letter from your company stating that I owe an outstanding balance ( see your letter attached ). This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Debt collection

This debt is now past the statute of limitations. The last payment made to the account was on XX/XX/17. That's 6 years and 6 months ago. The statute of limitations in Washington, where I lived, and South Dakota, where the company was based, are both 6 years. 
The time to collect has expired. I want this off ( ALL ) my credit reports immediately.
Product: Debt collection

ONCE AGAIN I.C. SYSTEMS IGNORED CEAES AND DESIST NOTICES AND CEASE COLLECTION AND CALLING MY DAD CELL NO.XXXX 13 TIMES AND SHOWS UP ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Equifax and the items that was suppose to have been deleted, reappeared back on my credit report. I have sent out dispute letters to have the items and inquiries removed again, but they did not remove the items.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. DEPT OF ED/XXXX Reason for Dispute. This account doesn't belong to XXXX XXXX I never opening up a loan with up with DEPT OF ED/XXXX in XXXX REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Pursuant to FCRA {$1600.00} under reinvestigation procedures, youre allowed you 30 days to complete this investigation, after which I authorize you to mail me my updated credit reports along with the investigation results, I am asking that your verify the account directly with the source of the information. If the account is verified, I will require that you provide me the mode and method of communication and verification you received from the furnisher. 

Truly, XXXX XXXX
Product: Prepaid card

XX/XX/XXXX and XX/XX/XXXX Company randomly closed my account for a violation of Terms of service, Been an account/card holder since XXXX. Now since my account is closed they want me to withdrawal all the funds but the kicker is they want me to liquidate the stocks i have in the app, along with virtual currency and charge me a fee!!!!!!!!! yes a FEE the fee is approximately 25 % yes 25 % so for every {$1.00} they want XXXX to withdrawal my own money on an account they closed without any warning or anything. This is INSANE!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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
Product: Credit card

I have a Capital One credit card. I was charged a late fee and interest on my account twice. 

On XX/XX/2023, I was charged a late fee of {$29.00} and interest charge of {$27.00}. 
On XX/XX/2023, I was charged a late fee of {$29.00} and interest charge of {$2.00}. I made both payments on the dates they were due. 

For the XX/XX/2023 payment, the due date was XX/XX/2023. I made the payment on that due date at XXXX XXXX. 
For the XX/XX/2023 payment, the due date was XX/XX/2023. I made the payment on that due date at XXXX XXXX. 
The statements and email confirmation showing the exact times I made the payment are attached. 

I spoke to XXXX at the customer service department of Capital One ( she provided me a reference number XXXX ). She said there is a cutoff time of XXXX XXXX XXXX  on the due date for those payments. I was not aware of this cutoff time. I do have other credit cards from other banks, and they would accept an online payment on due date and not charge a late fee no matter what time I make the payment. XXXX refused to refund the fees, arguing that they are valid fees. Other credit companies do refund late fees as a courtesy. XXXX said the XXXX XXXX  deadline is stated in the statements, but I had not noticed that small text in the statement, since I usually make the payment online.

In these two cases, I made the payments on the stated due dates. I was not aware of the cut off times. I was charged large fees for being a few hours late in my payment. The company did not refund the fees. The company 's rules are different than other credit companies and they are set up to maximize the fees they can charge to customers. What is the difference between making a payment at XXXX XXXX  vs XXXX XXXX on a due date. The company does not show the courtesy that other credit companies show when you ask for a refund of their large fees. Out of frustration, I cancelled my card.
Product: Mortgage

I made an online payment on XX/XX/ for the amount of {$1800.00}. On XX/XX/XXXX  there were two separate transactions from my checking account for {$1800.00} for the mortgage company. I called the mortgage company to inform them of the error and they are refusing to refund the payment stating that the payment was applied to another month that I owed. There apparently was an error with the online service that duplicated the payment. I think that if an error occurred they should try to correct the error. It has nothing to do with what I owed. The system made an error and I should be refunded. Also, on XXXX I called and spoke with a representative who stated that a ticket would be put in for the error and when I followed up on the ticket today they are saying that due to past due payments they will not refund the payment taken in error by their system. This error has caused hardship for me and my family. I need the money refunded.
Product: Credit reporting or other personal consumer reports

My complaint experian has a verification letter from XXXX XXXX to remove negitive information feom my report the account number is XXXX my social is XXXX also experian suppose to remove the one hard credit inquiry off my report in 24 hours i have a federal trade report on filed
Product: Debt collection

My daughter was transported from one hospital to the other by a helicopter.l provided by XXXX XXXX XXXX. The amont billed was fully paid by my insurance company. All of a sudden, they started sendind me and also harrasing me with phone calls thst they needed more money. I notified my insurance and was told that the account was fully psid and thst i owe them no money at all. Payment was made XX/XX/15 by XXXX XXXX.
Product: Mortgage

During our house hunting, XXXX XXXX XXXX XXXX Rocket Mortgage verbally gave misleading information over the phone. The Loan Officer, XXXX XXXX, verbally gave me rates including points without disclosing his rates came with points. He also said our ARM would never go above 5 %, which later turned out to not be true. 

When we got our offer accepted on XXXX, XXXX asked us to sign a document quickly to ensure a quick loan process ( We needed to close in 21 days ). The document was not clear to us that we were opting into a loan origination fee ( points ). We had never discussed points at any time. The points were just slapped it on our application and we missed the fine print. Since we are first time home buyers we view this as predatory behavior as we did not even know what " buying points '' meant. 

I learned for the first time that I was paying for points while I was in my closing appointment, XX/XX/XXXX. The documentation from the title company made it clear we were purchasing points, RockatMortgage 's documentation does not disclose this info in a clear way. 

To give an anecdote of how in the dark I was, my loan officer suggested that I can do the ARM and refinance in 6 months. I am paying $ 10k in points. It would make no sense to refinance in 6 month and any ethical loan officer would not suggest such a thing. Or at least caution the pro's/con 's of buying points. 

Upon asking RocketMortgage to review, they agreed that my loan officer and I never discussed points. They also didn't refute the fact that I was told my loan would not go above 5 %. They offered no resolution. I find this to be a systematic condoning of misleading behavior of the loan officer.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CARMAX account # XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Debt collection

Equifax is reporting false information on my credit report and is causing harm to my credit report and my credit score. They failed to investigate this collection before putting it on my credit report. 
The exact same account is showing up twice on my credit report and is listed as separated derogatory remarks. Ive tried to resolve this issue with them but to no avail.
Product: Credit card or prepaid card

On XX/XX/2021 and XX/XX/2021 I wrote to the head clerk of the federal court about proceeds deposited in the courts register as unclaimed funds. At this point I made the court aware that I had filed identity theft with the federal trade commission and IRS Department of Treasury and a cancellation of frauidary. The court uploaded the documents that I submitted to them to the docket. Next, I received an email asking me to upgrade from NetSpend prepaid card which I acquired in a separate transaction when I put {$700.00} on it a couple of months prior to NetSpend All-Access. When I tried to activate the NetSpend All-Access Card I received error messages. I called NetSpeed to try and resolve the issues and was told that they could not and would not activate the NetSpend All-Access Card until the dispute that was put in on XXXX, some 93 days earlier needed to be closed. I put in a request to closed the reminder of two claims put in with NetSpend on that Prepaid card. The one other complaint was closed without any effort of my behalf! Today is the fifth day and third business day since I requested that NetSpend cancel this reminding dispute when they originally told me that it would take one business day. I reached out to XXXX XXXX  regarding my trouble with NetSpend and they let me know that the IRS/Department of Treasury had created a checking account with funds available to me. In the meantime I have had several attempts on my life. I would greatly appreciate it if you can see to this matter as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit reprt there were three accounts that i felt had unfairly reports my situation when i complained my scores were lowered slightly and i was never told what the explanation was from XXXX XXXX and the two XXXX XXXX compies i filed a complaint on XXXX XXXX still haven't had a reply except to say they are still investigating and some remarks have been put on my credit file but i don't know what they said why am i still waiting and they are pushinf me deeper into the hole?