23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is as follow-up claim to the claim I filed in XX/XX/XXXX ( # XXXX ). The resolution provided did not provide evidence of customer error. There is a 12 month gap in Mr. Coopers timeline. During those 12 months there was no issue with auto-pay. No intervention on my part in ending auto-pay. No bank changes. The company is not addressing this gap in timeline. They can not provide evidence that I canceled auto pay or set it up in correctly. Mr. Cooper was auto-debiting payments from my bank successfully from XX/XX/XXXX to XX/XX/XXXX. Then in XX/XX/XXXX they had an issue. Stating bank account numbers were transposed. However, they are noting no changes were made to my auto-pay between XX/XX/XXXX and XX/XX/XXXX. 

I sent a detailed follow-up email to the resolution specialist on XX/XX/XXXX with questions addressing this gap. Mr. Cooper did not address these questions nor the gap in dates. They did not provide evidence of customer error. They basically submitted the same response they initially provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been reporting to XXXX, XXXX  and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is Portfolio Recovery I dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.
Product: Credit card

I called Wells Fargo on XX/XX/XXXXXXXX  and asked 2 different representatives why was there no decrease in the APR on my credit card account in XXXX. There were 3 prime rate decreases in XXXX that should have reduced the APR on my account but it has consistently reflected 20.10 %. My APR has been at the same rate for at least the last 5 years.
Product: Money transfer, virtual currency, or money service

My zelle keep getting cancelled due to not understanding the pros and cons of the use of zelle
Product: Credit card

Back a XXXX ago I had to take my XXXX yr old son to the XXXX with a XXXX. Once there I was told by the XXXX that he needed a XXXX. I had no insurance at the time and was given a number to call ( Care Credit ) in which I submitted some income info and the lady on the phone told me right away I was approved for XXXX in XXXX and I would pay them on a monthly basis. I asked her what would be the payments and she said around XXXX. I said ok and got my son took care of that morning. At no time in the phone conversation did the lady tell me how long I had to pay it off just what the payments would be and at the time I was very upset and needed to get my sons XXXX took care of because of the pain he was in. It was a very stressful situation. I made my payments on time every month but then all of a sudden I went from owing around XXXX to XXXX so I called them and asked what was the increase in my balance for?? I was told that if you do n't pay it off in XXXX months they add to the balance, of course I 'm irate and asked them that if I paid if off then can they adjust the other off, of course she said no ... I was not told this in the XXXX office that morning by them. I then called my XXXX office and gave them a piece of my mind as well. I just saw on our local news a report about this same thing and people complaining about Care Credit not giving this information out in the beginning.
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to get in contact with Self and when I call their phone line they redirect me to their app or website. I have a new phone number and email... and I am trying to update my information with Self so I can gain access to my account so I can pay my bills. I am unable to do so which is going to cause me to be reported as late.
Product: Payday loan, title loan, or personal loan

Hi, I was offered a Title Loan at 11 % interest. Ur the terms were not explained to me when I signed for the loan. They are charging me {$460.00} a month in just a renewal fee that they say only pays the interest and nothing to principle. 

The company is TitleMax In XXXX, Ga Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX And phone number is XXXX
Product: Mortgage

Ocwen reports my mortgage was in collection and charged off which is not correct. Ocwen can not show me any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because XXXX shows a Ocwen mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from Ocwen. I contacted them after being denied for credit and they have initiated a reinvestigation. 

Ocwen never reported me negative until XX/XX/2015 which is one year after I paid off the loan. This is unethical.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NJ XXXX XX/XX/year> CHREBET ASSOCIATES LLC RE XXXX  XXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX NJ XXXX
Product: Credit reporting or other personal consumer reports

Experian reported 24 incorrect items on my credit report. And still to this day refuses to remove other items as demanded. 

Experian has been invoiced for the amount of {$24000.00}. 

In XXXX XXXXXXXX XXXX XXXX XXXX Experian Information Solutions , Inc., the U.S. Court of Appeals for the XXXX XXXX recently ruled that a consumer does not have to prove actual damages to recover statutory damages for willful violations of the Fair Credit Reporting Act. 

I have attached the approriate document containing the invoice below.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Late/closed XXXXXXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to place a security freeze since XX/XX/2022 with XXXX XXXX I first tried doing it over the phone but while trying to verify myself I had no idea that they had a really old address for me in their system. So when they asked for my address I gave them my current one. That is what made me not be able to verify myself by phone. And the rep stated that I would then have to wait a whole 90 days to do it by phone since I didnt verify myself then. 

I proceeded to try the other methods that are available to consumers to freeze their file. Which are by fax, by mail and by email. I tried by fax from XXXXXXXX XXXX XXXX in XXXX XXXX In XXXX. Ive been trying the email method since XX/XX/2022. I also mailed off the documents needed for the freeze on XXXX XXXX and they are never receiving any of my attempts. Every email address that I use it keeps returning to sender. Here is the email address, address and fax number that I have gotten from this company. 

Email : XXXX Fax number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Student loan

I am writing to formally file a complaint under FERPA, The Family Educational Rights Act and Privacy Act regarding the unauthorized access to my personal and financial information by XXXX XXXX and his employees through the Department of Education 's database. 

On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who aren't school officals nor authorized represenatives, accessed databases that include my personal and financial educatinal information without my knowledge or consent. I am aware that the usage of this database is monitiored, recorded, and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of my FERPA rights.

It is my understanding the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines. This is a clear breach of my protections. I respectfully request that your office investigate these matters and ensure my information is protected. If so, I request that you immediately cancel and discharge my student loan debt in full. 

Lastly, the Department of Education no longer exists, therefore my loans should be canceled and discharged.
Product: Checking or savings account

I deposited two checks using TD Banks mobile app on Monday, XXXX XX/XX/2024. The checks totaled {$1600.00}. Typically, funds are available within 2 days when I've made similar deposits in the past. However on Wednesday XXXX XXXX, when checking my account, I noticed there was a flag : deposit hold six bus days. I verified with the bank from which the checks were written that they had cleared electronically on Monday XX/XX/XXXX when I first deposited them. On Thursday XXXX XXXX, I contacted TD Bank customer service. I spoke with two different customer service reps and was given multiple reasons and excuses about why the hold had been placed : because it was a mobile deposit ; because it was a high amount ; because a deposit from a month earlier had been returned ; because the bank wanted to protect itself and me against fraud ; that the bank had a right at any time to place a hold. I pointed out to both reps that the checks had cleared electronically on XXXX XXXX. I was transferred several times, eventually to a supervisor who told me she would request the hold be removed. As of Tuesday XXXX XXXX, the funds have not been released. Moreover, TD refused to send me by mail an updated set of terms and conditions related to funds availability, which I requested by that point. I have uploaded a screen grab of the deposits in question as of XXXXXXXX XXXX. on Tuesday XXXX XXXX.
Product: Student loan

I have been having various issues with my lender, to the point hearing the word " Discover '' makes me want to cry. To start, when my rate changes, it is a vague e-mail in my account inbox. It will not state which of my three loans increased, what the rate change was, when the rate change date was to ensure I was notified within the regulatory requirement, no information at all. I have been told I can call to find out, and then when I do ... I have asked what my minimum payment change would be and the representatives tell me their systems can not figure that out until the new payment is due, and they have no way of telling me. I feel like I should be given all of the information so I can budget accordingly to ensure I can pay. I have used the online calculator for how interest is charged to me, and come up with a different calculation then my statement shows. I called them to discuss that my math was different than theirs and based off of my statement. I was then told it 's based off of their amortization schedule that they do not provide unless called and asked for ... If I did not work with regulatory criteria in my career, I would not even know what they were talking about. I feel like this is unfair and deceptive to borrowers. Nowhere on my monthly statements does, not in any fine print, does it disclose that my interest is not calculated by the interest on my statement, and that it would vary based on this amortization schedule. I know, legally, they have to explain this. They make it extremely difficult to figure out how monthly payments are applied. I will schedule a payment, and then it will no reflect as scheduled on their website days later. I will schedule again, thinking maybe I did n't hit submit ... and then days after the due date, I have been double charged. Then it takes a week to have a payment reversed. I called today, XX/XX/17 because I scheduled a payment last week and it is not reflecting on the site that I did. In the past I was told that maybe MY computer, and not their systems had the issue. So I am not double charged I called Discover to figure this out ... and the representative told me to wait until 48 hours after my due date to schedule to prevent a possible double charge .... so I have to possibly hurt my credit and incrue two more days of daily interest so that I wo n't be unfairly double charged. I am currently being told they can not confirm if the payment that I scheduled will be applied or not. Finally, the customer service here is awful. When I try to work with them they are completely inappropriate. If I threaten to report them I get, " well go ahead '' .... After years of this treatment, and very abusive, deceptive, and unfair acts and treatment, I cringe to give them {$1.00} of my hard earned money. The payments are more basically a mortgage payment. I am working so hard to pay timely and work with them, but at this point I feel like they have got to be completely acting illegally to their borrowers. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX XXXX Owed : {$3000.00} ; XXXX XXXXXXXXBalance Owed XXXX {$7200.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below and remove the negative remarks : XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8600.00} XXXX XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX  XXXX Balance XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting

TransUnion mailed me a copy of my report dated XXXX/XXXX/2015. On the first page TransUnion tells me if I find an inaccuracy on my report to dispute the inaccuracies online. When I try to do so I receive an error message. I contacted TransUnion at the phone number provided and have been told multiple times that my online access would be unlocked so I can process disputes online yet I still receive this error message. 

TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following addresses are inaccurate : XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following telephone numbers are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following employment data is inaccurate : XXXX and proof of address are attached for the processing of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card

was working on my credit and saw this inquiry for AMEX made on XX/XX/year>. I reported that it wasn't mine and they confirmed they have no account or traces of an account linked to me.
Product: Credit card or prepaid card

I am writing to ask for your support in obtaining a refund for a trip I previously paid for on XX/XX/XXXXXXXX  of {$1900.00} for my 3rd service trip with XXXX XXXX XXXX. I was to go to XXXX and the XXXX trip was postponed due to XXXX, it was moved to XXXX, and moved again to XXXX. XX/XX/XXXX we were notified there would be no trips after XXXX. 

I filed complaints with Chase, even contacting the corporate office. I was told that my complaint exceeded the 540 ( unsure exact number yet in that range ) day rule to dispute a charge. I have since found out that the clock was to start counting when I was notified that the trip would not happen, not when I paid. Thus I am still well within the range to dispute. Chase informed me they follow VISA rules and they have to power to alter. Per Visa on an email to me XX/XX/XXXX, that is not true and each financial institution sets its own criteria. 

Also, on a side note, responses from Chase corporate were via phone calls. I have never received a letter even though they verified that a letter was being sent to my friend XXXX XXXX whom I gave credit card charging privileges on my account when we travel together as she doesn't own a credit card. 

Many XXXX travelers have received refunds. There is travel insurance on our credit cards, and if this doesnt fall under an issue with travel it certainly is covered under paying for a service not received. I just turned XXXX old and I can not afford such a loss, plus I expected the service trip to XXXX would be my last. 

I am hearing from others via a support group that was started for We XXXX XXXX Travelers who lost all their money that you have been helpful and refunds are being issued. I am grateful for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX Credit report XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX  Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid down the balance of the Capital One credit card last month prior to the XX/XX/2018 reporting cycle via XXXX XXXX. The balance of the account shout reflect {$3300.00} not {$8800.00} like its currently reporting. XXXX has the correct balance but not XXXX. I tried resolving with Capital One with negative results.
Product: Credit card or prepaid card

The previous complaint with CFPB, reference number XXXX, was resolved. Attached is a copy of the letter from TD Bank confirming resolution. However, when I attempted to use the retail card, it prevented me from completing the purchase. Attached is the screenshot of the attempted transaction.
Product: Bank account or service

A Dispute on:XXXX, and:XXXX, XXXX XXXX, JPMorgan Chase Bank needs to explain to : The United States Of Justice Department , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX of a XXXX issues, From a Federal Judge in XXXX GA, for : XXXX XXXX XXXX ( XXXX XXXX ) XXXX the Time:XXXX, and the first deposit was issued @ XXXX Indiana, XXXX Branch.My Case Number is:XXXX , Filed Under Seal : COMPLAINT FOR PERMANENT INJUNCTION AND OTHER EQUITABLE RELIEF, JUDGE XXXX ( FEDERAL TRADE COMMISSION )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a bankruptcy on my credit report at the three credit bureaus. They responded to the dispute confirming the bankruptcy stating the information was provided by the US BKPT CT XXXX XXXX XXXX XXXX. I wrote the US BKPT CT XXXX XXXX XXXX XXXX confirming their procedures in regards to bankruptcy records. The US BKPT CT responded confirming they DO NOT supply these records to the credit bureaus. I then sent a copy of this letter from US BKPT CT XXX XXX XXX XXX to each of the credit bureau, along with the letter identifying the mistake. I requested the removal of my credit reports. They all have continued to refuse its removal.
Product: Debt collection

Being billed from XXXX for services that they will not disclose or give any explanation to. Itemized bill just states money owed for deferment plan in the amount of {$480.00} when no deferment arrangement was ever made with the company. CBE group is the collection agency that is handling the debt collection and they have provided a billing statement but that statement has given no explanation of why any money is owed.