23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Mortgage violated my consumer rights. Under the CARES Act, the company SHOULD NOT have marked me as being late. The mortgage is paid in full ; however, the company failed to abide by the law. Please change all payments to paid as time or remove the mortgage from account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Begining 2022, I submitted on 3 different remittance coupons ( which is to Bank of America, they accepted the coupon and then took adverse actions against me for exercising my rights by closing the account and continued to bill me. A remittance coupon is a negotiable instrument. 
12 CFR 1026.13 - Billing error resolution. 
a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.

( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 
Violations ... 

( XXXX ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. 
I have uploaded evidence of my attempt to communicate and resolve this issue. 

15 U.S. Code 1693m - Civil liability ( a ) INDIVIDUAL OR CLASS ACTION FOR DAMAGES ; AMOUNT OF AWARD Except as otherwise provided by this section and section 1693h of this title, any person who fails to comply with any provision of this subchapter with respect to any consumer, except for an error resolved in accordance with section 1693f of this title, is liable to such consumer in an amount equal to the sum of ( 1 ) any actual damage sustained by such consumer as a result of such failure ; ( 2 ) ( A ) in the case of an individual action, an amount not less than {$100.00} nor greater than {$1000.00} ; 1. Cause me Stress 2. Closed my acct 3. Damaged to my credit file Question : Who has the actual, implied, or apparent authority to use consumers credit card or open-end credit pursuant to 15 US code 1602 ( l )
Product: Credit reporting or other personal consumer reports

TransUnion is using deceptive practices to lure consumers into paying for credit reports rather than providing an annual free credit report as required by law. 
I attempted to request my free annual credit report from TransUnion ( XXXX ) on XX/XX/year> at approx XXXX EST but was unsuccessful. After submitting all required information the website displays a message that the request is successful and that the report is being generated however, the report never displayed. After XXXX minutes the TU website displays that there is an error " For your security, we ended your browsing session.Your report is no longer available on this site. You can return to annualcreditreport.com to request another TransUnion credit report after 7 days. Alternatively, you can visit our TransUnion XXXX XXXX website opens in a new tab to request a credit report from TransUnion. '' Attempts to reach customer support online were unsuccessful because the hyperlinks do not work. A phone call ( XXXX ) does not present an option to express the issue. 

The links displayed after this message redirects you to XXXX 's website to request a paid credit report and credit monitoring services- https : //annualcreditreport.transunion.com/dss/orderComplete.page A quick online search shows that this seems to be a common pattern with TU when requesting a free annual credit report ; using deceptive practices to lure consumers into paying for credit reports rather than providing an annual free credit report as required by law.
Product: Credit reporting

Incorrect names for me: XXXX and XXXX. Incorrect addresses: XXXX, ar
Product: Bank account or service

HSBC had a deal wherein you could open a new checking account and either pay 2x bills a month with the account and/or make direct deposits. I completed the bill pay portion but now they are saying I had to use their special portal. Nowhere is that specified, more than 2x bills were paid and they are using it as an excuse to not pay out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not been updating my account. They are reporting my credit score at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. 

The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from US DEPT EDUCATION XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. 

" On XX/XX/2023, your US DEPT OF EDUCATION student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. 

CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/XXXX XXXX XXXX XXXX CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/XXXX  ) They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. 

XXXX dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. 

There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold from XXXX XXXX  to XXXX, Since the loan was reported as paid in full to the credit bureaus and not having XXXX not reporting the new loan balance both my spouse and mine credit score dropped XXXX points. I called XXXX and they told me that they will not do anything for me. I believe this is extremely unfair, where the world runs off credit scores and we work extremely hard to ensure our credit score is as high as we can. This has impacted me negatively, I was going to apply for a personal loan but since our score dropped almost 40 points our APR would have been a lot higher than we could afford. We are not the one that asked for the loan transfer so impacting our score is an un-justified resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered today that my experian account has been hacked and the email address was changed, attempted to contact them to resolve and could not get a human and any options to report this issue or get it fixed. My XXXX is always frozen and lack of access to this account could impact my ability to access credit.
Product: Debt collection

Convergent Outsourcing calls me twice per day, every three days from two different phone numbers. They are posing as if in the XXXX, ID area. I live in Washington state. I do not have any debts in collections. All of my obligations are in current, good standing. The company never leaves a message. When I tried to speak to employees today to request my phone number to stop being called, I was put back into the waiting/hold system six times! Some employees told me that they are not allowed to leave phone messages per Federal Law ( an untrue statement ), this is a personal matter and that they can not find my " account '' via phone number. After playing their game of hold, a friendly employee finally got on the line. She looked up my phone number and said she could not find it anywhere in their system. She asked me if I have any other phone numbers, to which I said no. My cell number is my only phone number. She agreed that she would have her supervisor look my phone number and take me off of their calling list. I provided information to this company ; this company never identified the debt. I am making a formal complaint so this company will keep their word and stop calling me.
Product: Mortgage

FirstBank sued me for foreclosure on my principal residence on XX/XX/XXXX, even when I already had submitted a complete Loss Mitigation application. Since this nightmare started for me and my family, I have been trying to save my home in multiple occasions submitting loss mitigation applications to the Bank, while at the same time battling the foreclosure process at court. On all these occasions, my Loss Mitigation applications were never evaluated on its merits and with the purpose of Loss Mitigation which was created to help debtors as me save their homes. Due to the fact that the Loss Mitigation department of FirstBank has never given me a real and/or possible option to keep my home, I started looking for other options instead of foreclosure. I found a couple interested in making an offer in short sale for my property. For this option I submitted all the proper documentation required for the consideration of the short sale offer, including a valid short sale offer according to the real price that the property has today at the market. FirstBank after allegedly considering this short sale offer declined multiple offers made by this couple. After the Bank declined the short sale offers, I submitted on XX/XX/XXXX a complete loss mitigation package for a deed in lieu of foreclosure and as of today that I am submitting this complaint, the Loss Mitigation department has not evaluated this application and instead they keep adducing that there is still missing documents, which I have provided them again and again. I am looking for help from the CFPB to request the Loss Mitigation Department to comply with their obligation and do not keep delaying the evaluation of my case on its merits. The Bank has been delaying the evaluation of my case with the only interest of foreclosing my property since the Court informed that my property will be auction on XX/XX/XXXX.
Product: Debt collection

Debt that I disputed last year and had removed successfully from my bureaus shows back up with a different company trying to collect same debt that I proved previously I didn't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted Equifax several times about a collection account on my report from XXXXXXXX XXXX XXXXXXXX. i Filed a dispute on The account but it was not removed, not only that but it is on my report twice now as an additional collection account. When i contacted them about this they opened another dispute but never fixed it or even contacted me with the results. I need this collection account removed from my report along with these inquiries that i dont recognize and cant get them to remove Collection Account to be removed it is on the report Twice XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - XXXX XXXX account/credit card through Synchrony Financial ( a second credit card with Synchrony Financial XXXX the first one obtained in XXXX XXXX ) XXXX - XXXX XXXXXXXX charge of {$3000.00} Made monthly payments by bank draft on XXXX  ( list below ) but payment on XX/XX/XXXX for {$2300.00} ( listed on my account as " posted '' ) was placed on a 10-day hold by Synchrony with no notice to me. All prior payments on both Synchrony cards have always been posted same-day. 

XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$2300.00} XX/XX/XXXX - A payment transaction by surgeon for my XX/XX/XXXX XXXX was declined due to {$12000.00} not being available - only {$9000.00} was available due to the unapplied {$2300.00} payment that I was told would be released from hold on XX/XX/XXXX. My XXXX date was due to be cancelled if payment was not made by XX/XX/XXXX. To avoid this, I requested a credit limit increase of an additional {$3000.00} that was approved but the Chat Rep mistakenly entered {$300.00} as the amount of the increase and quickly terminated the chat! 

I had to start a new Chat thread to have a second Rep correct the error. 

The only way to work to resolve this was through the Synchrony website 's Chat Bot. After requesting a " live Rep '' with the Bot, the Chat Rep stated the reason for the hold was due to the [ high ] payment amount. I advised that the payment was from cash/ACH from my bank account that was done on XX/XX/XXXX, and there is no reason to hold a cash payment, let alone for a two-week period, and without any notice to me.
Product: Money transfer, virtual currency, or money service

I was scammed by someone messaging me about interest in an item I listed for Sale on XXXX XXXX. The individual made me believe I had to open a " Business Account '' on Zelle in order for them to pay me for the item. They sent me fake transactions on their end and fake email messages pretending to be from Zelle. I was asked by the fake " Zelle '' that I needed to send a refund of {$200.00} to the buyer and then our original transaction and my " Business Account '' would be complete. 

I sent {$200.00} via my Zelle account to XXXX on XX/XX/2023, around XXXXXXXX XXXX. 

I then received another email from the fake Zelle account that I now needed to send another {$400.00} and there were a ton of typos in this final email. This is when I blocked the user on XXXX XXXX XXXX and reported the scam and fraudulent transaction immediately to XXXX XXXX, Zelle, and the FBI. 

XXXX XXXX said they would try to refund me the {$200.00} in question but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to Transunion, XXXX? And XXXX  to provide information on XXXX XXXX, XXXX, XXXX  which is showing 2 inquiries and all 3 companies are failing to provide me information on my hard inquiries and disregarding my certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

On my last correspondence to you last XX/XX/2018 I disputed several items which are incorrect, inaccurate and violating FCRA. After more than 30 days, I do not believe that proper investigation took place as there are several violations visible of how the items where reported. Information showing the account was re-aged and missing information from the report. I disputed XXXX ref # XXXX, XXXX XXXX ACC # XXXX and XXXX XXXX XXXX/XXXX  ACC # XXXX. All these account shows violation of FCRA. Some reports incorrect late payments, some have missing/incomplete information, others are re-aged and reporting misleading information such as creditor type and so on. This is my last resort before taking legal action. So I am giving you another 30 days to remove these items from my credit report. Attached with this complaint is a copy of the letter sent to you last XX/XX/XXXX and some info I found on my credit report that proves the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX reported unrecognized hard inquiry on my XXXX   credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX for XXXX XXXX, XXXX, XXXX for XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX, XXXX for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX number # 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
Product: Vehicle loan or lease

I received a call yesterday from the Chase Bank End of Term Lease Department. I was unable to answer the phone but called back when I received the voice mail. I know what the call is about. Its simply to settle the end of lease payment which is fine. The problem is that their verification process includes giving them my full social security number over a mobile line. This is the only company in the last couple years that apparently have not gotten away with asking for your full social security number over the phone. When the rest of the industry has figured out how to verify identity without asking for a full social security number, I am unsure why Chase is so far behind. They state that they do this for consumer protection yet requiring the consumer to state their social security number over a cellular connection is indeed not protecting them. This was only part of the problem. 

In addition I received a letter dated XX/XX/XXXX ( received XX/XX/XXXX ) that summarized the results of the end of lease inspection report. The same letter stated that payment was due on XX/XX/XXXX. I could not understand how they wanted me to pay the bill prior to receiving the inspection report dated XX/XX/XXXX and not received until XX/XX/XXXX. I assume they wanted me to make a guess at what the report would say?? Also, no bill was actually ever sent to us and no reasonable due date was ever communicated. A due date of XX/XX/XXXX, 10 days before the inspection report was mailed to us ( again, not received until XX/XX/XXXX ) is  unreasonable. 

I can not pretend to know what is going on with this department but I am all for paying the negligible amount they ask for if they could just figure out how to verify my identity without putting me at risk. It seems every other financial institution has figured out already. 

Anyway, I am more than happy to settle the debt over the phone but refuse to give my social security number over the phone which is considered personal identifiable information and a major contributor to identity theft incidents. If Chase wishes to protect the consumer then they should start by changing their verification process. For example I have a name, address, birthday, last 4 of my social, last 4 of the account I would like to close, and the year/make/model of the vehicle in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts on my report for XXXX XXXX XXXX for {$610.00} with Transunion and XXXX, and XXXX XXXX XXXX for {$370.00} with XXXX. I filed the disputes back in XX/XX/2017 and it's STILL under investigation with Transunion.
Product: Money transfer, virtual currency, or money service

So I used to use Cash App and whenever I had it. Somebody hacked into it more than once twice. Actually installed over {$2000.00} both times and I actually had to pay it back one time and the other time they closed my account or something. I don't remember maybe I had to pay back both times cause it took it directly from my bank account as well and I did not have that kind of funds in my banking account. So I had to pay my bank back first. {$2000.00} at 1 account and {$2000.00} from another account. And I never got a refund and I never got an explanation. Or anything besi 'd that they were sorry that it happened and the only thing that could fix it was paying it back and then I got it fixed and paid back and then I got it hacked again and somebody was using my Cash App to get money from other people on my XXXX and so then they closed it permanently and told me that there was no way that I could reopen it or do anything about it. Now that there's a class action against it I would like to get a refund possibly for the XXXX XXXX dollars from both times or at least some kind of mthey 're mistakes
Product: Debt collection

AD Astra Recovery Services is threatening me and suing me for a debt that I do not owe. I have never heard of the merchant nor do I have a Contract with them nor are they licensed to collect in the State of Texas. Those are 3 different violations that entitles me to {$5000.00} per Violation If it doesn't get removed off my Credit Report. The State of Limitations in the state of Texas is 6 years & its past that time for them to collect in the state even If they were bonded to collect and it was indeed my Debt. You have 30 Days to remove such Debt or I will be filing a Civil Suit against your entire company and be forced to present yourself in the court of law.
Product: Money transfers

On XX/XX/2016, i initiated a wire transfer from XXXX in the amount of XXXX to be transferred to my PNC checking account. The We were quoted an exchange rate of XXXX per XXXX $ or {$61000.00}. But the amount deposited into the PNC account was substantially smaller, {$59000.00}. When I called PNC about it, they noted an exchange rate of XXXX. I checked multiple banks ( XXXX, XXXX ) in the XXXX and in XXXX ( XXXX, XXXX ), and could not find this rate anywhere else in roughly a month 's time. The rates were in the range of XXXX and XXXX. 
When I called PNC to inquire again, they told me PNC uses its own rates, but during my first call, they had noted that they follow international rates. 

While I understand the rates can vary, I could not substantiate the rate used by PNC anywhere else, and thus feel we lost over {$2300.00}. Had I know this in advance, I would not have used PNC at all.
Product: Debt collection

Again, Credence Resources Management LLC is again playing games and harassing me. We have already been over this issue. Please see earlier complaint. I don't know what is wrong with those people but they are not going to comit a federal crime, then act like everything is okay. I was attacked by XXXX XXXX XXXX XXXX dogs because I was trying to get money owed to me for belongings I was being forced to sell to address the same issue. They want {$150.00}! Well I guarantee that XXXX XXXX attack is gon na cost them a XXXX of a lot more. Ha. Ha.
Product: Debt collection

transworld has been giving me the run around and delaying on giving me the other deletion letters.