23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Two problems : I received the bill for to pay electronically which encourages for me to make my payment via the website. My payment is due XXXX and their system allowed me to set up my payment for XX/XX/XXXX and I am still getting calls everyday and when they call from an unknown 800 I have to assume it's them they are asking for the last 4 digits of my social security number and don't feel comfortable giving that out also I feel harassed that if I contacted the creditor on their website and made arrangements why do I continually still gets calls? 

Also, I requested Flagship for an extension due to Covid for two months and they stated can only do 1 payment extension/deferment and at no time did they mentioned it would be reported to the credit bureau as a natural disaster.

They also misspelled my name on the account and that is the way my title would come if I finished paying my car with this company.
Product: Debt collection

I have tried to get information to verify this debt is valid. No one has any information to explain this amount. Evidently, the original debt was allegedly owed to XXXX XXXX XXXX? I have not received any notices of this bill & have not received any attempt to collect this amount! And, I have no information to resolve this issue. It is so frustrating since I have tried to get an excellent credit score. Please help!! 
Thanks,
Product: Credit card or prepaid card

I purchased XXXX  XXXX tickets for my family members with my chase credit card. The tickets were not honored because my family members did not have my credit card physically present while boarding.The manager on duty on XXXX XXXX flight # XXXX  XXXX from XXXX to XXXX on Friday XX/XX/2020 did not allow my family members to get on board. No boarding pass were issued. My family members were present at the counter and were denied boarding. The surveillance cameras at the counter will show that all of them were present. One of my family member sent feedback to XXXX XXXX online for the problem they were facing. Due to COVID-19 my family members were stuck at the airport for five days.There was no way I could have sent them the original card. I called via video link to speak to the manager on duty. I sent him copy of my ID, showed my original card but he refused! It was an emergency. I could not let my son and other family members sit at the airport any longer.I had to purchase new tickets for them to go home. Please see attached copy of new tickets from another airline. 
I tried to contact XXXX XXXX numerous times but due to COVID, my calls could not get through. I even made visit to their office in XXXX XXXX but I could not get any help. 
I disputed XXXX XXXX tickets transaction number XXXX for the amount of {$3900.00} dated XXXX with my chase credit card. The XXXX XXXX never provided the services by not allowing my family members to board on the flight. Chase denied my dispute stating that " The Merchant has provided the information showing they believe the charge you are disputing is valid ''. 
The only information was provided that the flight was on time to XXXX! 
I requested the credit card company ( Chase ) to ask the merchant to provide the boarding passes if the services were provided to my family. But no response! 
Please contact me if you need any additional information. 

Thank you,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We are trying to get BOA to waive late charges and past due interest so that we can pay off the Home Equity loan. We have been in this home 15 years and never paid a late payment on our first mortgage. The problem started with the balloon came due and the payments were more than our first mortgage and higher than what we could afford with the first and second. We contacted BOA at that time XX/XX/2015 to try and combine both as they had both loans. They would not agree to combine but the first agreed to refinance us through the Harp Program. The second assigned us a case manager which seemed to always be away or missing appointment times that they scheduled. We were surprised to get an agreement in the mail saying we agreed to 5 increased payments that we could not afford nor had we even had a discussion about. We got money from our credit union to bring the loan current but the problem was still there as we could not afford. It 's very difficult to speak with someone and after several more attempts and trying to make the payments that were too high we just decided to sell our home that we love. In trying to speak with a person to relay this information the next information we got in the mail was the intent to foreclose. What we 're asking now and still can not get assistance as we 're getting pushed through the phone maze again and no one will take ownership and our case manager XXXX XXXX was not available, we actually had XXXX in collections ask if we considered a deed in lieu, I was shocked as we 're trying to pay them off which is why I was calling them today. We need them to stop treating us differently due to our age and race. 1. We need a payoff on the XXXX mortgage without the past due interest and late charges, the last balance I showed was {$47000.00} 2. Since the sale of our home would be enough to pay off the XXXX and the XXXX, we need them to remove all late from our credit score so that we can qualify for another home. It a bad situation that can be resolved but we do n't want to be prevented from purchasing another home as a result of us making many attempts to resolve this situation.
Product: Debt collection

I reached out to the company National Credit Sytems concerning an account for {$150.00}, along with the bureaus to address this issue. Although I have furnished proof with a police report, received no validation of the debt by the original creditor or the bureaus. I have received no traction on a debt that does not belong to me. I have provided proof on my end and the companies are not being held responsible for truly validating this debt. I filed with identitytheft.gov # XXXX along with CFPB # XXXX. 
I am a victim but am being punished. According to FCRA 623 prohibits information furnishers from providing information that they know or have reasonable cause to believe is inaccurate In accordance with the Fair credit reporting act National Credit Systems has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Hi my name is XXXX XXXX i seen the settlement that is going how. However i havent received any form of compensation.. my updated address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any questions or concerns you can call XXXX
Product: Credit reporting or other personal consumer reports

Capital One electronically got my info ( XXXX, XXXX, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. Capital One admits to having no physical or electronic signature and admits that is only Capital One 's " belief '' that the account was created by me. Capital One has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, Capital One continues to publish derogatory comments on my credit report without any enforceable instrument to do so. I had been disputing the Capital One account for over 6 months while Capital One was attempting to collect so I asked Capital One for a forensic account audit on XX/XX/year> via CFPB case # XXXX, & then mysteriously on XX/XX/year>, Capital One charged off the account which lead me to believe that Capital One was attempting to collect on an account that was already paid & written off. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. Capital One need cease & desist, remove all derogatory marks & publishing ( XXXX ) of account on my credit report especially with XXXX credit reporting. XXXX claims the information is not on my credit report yet XXXX is the only company continually reporting the info for which I am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  have addresses that aren't mine wrong dates accounts still open wrong balances XXXX has my dad 's addresses and phone numbers wrong balances on the free annual report but I have an account with them and none of that appears on my account there giving me a different report than the free annual report says
Product: Money transfer, virtual currency, or money service

i am fling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation XXXX These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Vehicle loan or lease

XXXX XXXX, 2017 had car accident in a XXXX XXXX - determined a total loss by XXXX XXXX XXXX which paid off PNC BANK in the amount of {$11000.00}. My complaint is against PNC Bank who never sent a final statement of any kind but a late notice dated XXXX XXXX,2017 for {$210.00} which is my regular monthly payment. After receiving this notice I called PNC BANK regarding a final bill notice and was transferred four times to no avail but was informed that I would be contacted which never happened. Then I received another late notice dated XXXX XXXX, 2017. I called PNC BANK again in XX/XX/XXXX and spoke with XXXX who stated that I owed {$370.00}. The following is my calculation : PNC Bank loan {$15000.00} I paid monthly notes....... XXXX ( I have all my receipts ) -- -- -- -- -- -- -- amount owe to PNC BANK {$10000.00} ( XXXX. XXXX. XXXX. Paid {$11000.00}. I owe nothing! Plus PNC BANK received... {$200.00} from my Extended Warranty and never told me. Substact {$200.00} from {$10000.00} equals {$10000.00} Looks like PNC BANK owe me a refund check! Thank you for your consideration in this matter.
Product: Mortgage

I refinanced my house with XXXX XXXX and the loan was sold on XX/XX/2021 to Shellpoint Mortgage Services and On XX/XX/2021 Shellpoint called me to collect a debt of the XXXX payment. However, I had paid the XXXX payment to XXXX. The agent for Shellpoint was demanding payment for XXXX payment not only was paid, but was not a debt to Shellpoint, as they didn't own the loan during XXXX. I believe this practice is in violation of RESPA and other laws.
Product: Debt collection

I the consumer XXXX XXXX entered into a consumer credit transaction with TD Auto Finance on XX/XX/2022. The consumer credit transaction involved a finance charge. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but TD Auto Finance took cash. The finance charge is also suppose to include insurance. But TD Auto Finance made me purchase insurance separately.
Product: Credit reporting or other personal consumer reports

As a consumer, I am writing to file a complaint against Atlantic Recovery Solutions , LLC, concerning their recent inquiry on my XXXX credit report dated XX/XX/23. This inquiry, conducted without proper authorization, not only violates the Fair Credit Reporting Act by lacking a valid permissible purpose but also constitutes an intrusion upon seclusion, impacting my privacy rights. 

In this instance, no permissible purpose or consent was provided for the inquiry, resulting in a violation of both privacy rights and FCRA regulations. 

Enclosed, please find supporting documentation for your review. 

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message reaches the appropriate department. I am writing to express my serious concern regarding the inaccuracies found on my recent consumer report. Upon reviewing the report, I discovered bankruptcies that should not be listed there. As a consumer who has been studying laws lately, I believe this is a clear violation of my rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681a ( 4 ) - Consumer Right to Privacy. It is alarming to find that my personal information has been released without my consent, leading to these erroneous bankruptcies appearing on my credit report. This situation is distressing, especially considering that I have been a victim of identity theft. I want to emphasize that these bankruptcies do not belong to me, and their presence on my credit report is both criminal and civil liability on your part.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 FOR 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

Barclaycardus.com gave me a XXXX card with 18 months no payments, I had the card for a couple months with no useage, usage, then I put emergebcy vehicle repairs on the card for XXXX XXXX and made a payment of {$500.00} when my payment due was {$0.00}. The credit company within 1 week decreased my limit from {$10000.00} to {$6400.00}. Which ruined my credit utilization and then my other credit cards did the same thing even when I had only 20 % utilization on other credit cards... 
Then every payment I made to Barclaycardus.com, they decreased my total available credit limit to match how much I paid down. I had a balance of {$4100.00} then I got a call from Barclaycardus.com... they said they were going to close my account because I was at 100 % utilization. So they closed my account and I have made payment while the account is listed as a charge-off.. They still charge me interest like the account is open and late fees constantly with no paper or digital monthly statements. 


They won't settle the account and won't reactivate my account.. 
I have now paid {$18000.00} and lost XXXX XXXX XXXX points because of a {$6500.00} car repair and for believing that Barclaycardus.com was a reputable company.
Product: Mortgage

I initiated a call to AAG Mortgage in late XXXX, and question what info i would need to get a reverse mortgage from an inheritance. They sent me a list to return to them, so i did. 
I sent a copy of certified will, death certificate, copy of deed pay records, insurance info. 
I was informed from them ( AAG ) and the County Clerks office plus an attorney 's advice that all the information i sent was enough. AAG wanted me to pay for a credit counseling, an appraisal, and pushed me into renewing property insurance. All of which was an extra expense for me. Now this company need a Testamentary of the will. I can not get this document because i am not executor. I had to seek legal advice to force my brother to file the will, and he is just not interested in getting me this document. There was a woman who pushed my insurance broker to add AAG to the policy even though a loan was not executed. 

My problem is i am terribly concerned that these jerks can pull people in for these loans, but change the rules before loan closes. Even the clerk of court XXXX County stated that i had completed documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to proven merging, or others with similar information or some entity deliberately creating a merging of information within the credit reporting agencies, I herein request that information be updated, deleted, and removed. 

Specifically in the listed name identification listed as XXXX XXXX XXXX, no lender or creditor specific to this consumer reports that name, but it is subject to the unfortunate merging process by merging what is XXXX XXXX XXXX, using the address of XXXX XXXX XXXX, XXXX, SC XXXX which isn't this consumer because his social security number is XXXX. and this consumer XXXX XXXX , the designated identification from the consumers issued social security card, and number which is XXXX. reporting the names creates a unintentional reporting of inaccurate information, and inaccurate inquiries. This information was gained from a collection call from XXXX XXXX credit card, which indicated that the persons or person utilized XXXX XXXX XXXX, XXXX, SC XXXX as their mailing address, while utilizing the above stated social security number, which isn't this consumer. 

Based upon the existence of these facts, and the consumer desire to prevent additional merging of information, and credit reporting, I hereby state that the removal of the following information, and placing it where it rightfully belong, will subjectively and permanently resolve the problem. 

Public Record : belongs to XXXX XXXX XXXX, XXXX, not XXXX XXXX XXXX. 
1. XXXX XXXX 2.US Bankruptcy proceeding XXXXdrd Additionally please remove address XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX, SC XXXX, since it is apparent that the person or persons or entity using XXXX is using those addresses as well, and applying those addresses to this consumer creates the same likewise reporting, and merging.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home in order to use the equity to pay off debt. My due date with Lending Club was XX/XX/XXXX. There is a 15 day grace period. My mortgage refinance didn't close until XX/XX/XXXX. The Mortgage company sent me checks which were already made out to my creditors, including Lending Club. I received the checks on XXXX XXXX and put them in the mail that day. ( With excitement, I might add. ) All my creditors except for Lending Club posted the payment to my account on XXXX XXXX. 

Lending Club claims that they post payments when they receive them. However, they did NOT post the payment to my account until XX/XX/XXXX. Then they reported me over 30 days late to the credit bureaus. The check they received is even dated XXXX XXXX. There is no way it took them 2 weeks to receive the check. Their delay in posting the payment resulted in me being reported 30 days late. This is the epitome of unfair. I called them to ask that they fix this error. The claim they did not err. So in affect, if you are 20 days late with Lending Club, they will report you as 30 days late after they dawdle with your payment. They have the envelope that the payment arrived in which shows the post mark arriving to them in XXXX. Not XXXX. 

Look at the uploaded examples of some of the other check recipients. They show that they were all able to post the payment on XX/XX/XXXX. The checks were ALL mailed at the same moment. No way did Lending Club NOT get their check on the same day the others did.
Product: Debt collection

I called XXXX and asked them for a copy of a lease agreement and an invoice or documentation stating what they said I " owed '' them. I found out on my credit report that I supposedly owed this apartment complex $ XXXX.The lady told me that they have been under new management since 2015 and she passed me over to another lady that explained to me that they do n't have me in their ledgers due to it being 7yrs ago and they would n't be able to give me any information about my lease agreement or charges and that I need to deal with the collection agency directly since they have the " debt '' and not the apartment complex.
Product: Mortgage

My insurance company paid me to repair my roof. My mortgage company is co-signed on the insurance payment check from my insurance company so I needed them ( Freedom Mortgage Corporation ) to send me the first payment so I can start repairs. 

Freedom Mortgage Corporation stated to please allow XXXX business days for the initial draw ( payment ) once the completed documents are received by them. 

I confirmed by phone with Freedom Mortgage that Freedom Mortgage received the endorsed check and all required documents by XX/XX/year>. I contacted them several times by phone since then to check on the processing status of my initial draw and they always said the check had not cleared in their account. Today I confirmed with my insurance company that the check had cleared. I challenged Freedom Mortgage on why they were delayed, then they said they would expedite my situation on Friday XX/XX/XXXX and that I could expect to receive the first draw in another XXXX business days. This means they plan to hold onto this money for almost an entire month while I'm unable to pay for repairs to protect my home and family. 

It appears Freedom Mortgage Corporation are simply holding onto the insurance repair money I need to repair my home so they can make a profit off of the interest while it sits in their accounts and and have no intention of following their time commitments unless their customers complain about delays. 

I want to draw attention to this unfair practice that must cause even more harm to all their other customers who don't have the time to XXXX Freedom Mortgage corporation and wait on hold for over XXXX minutes every time I try to talk to a human being.