23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Home Point Financial incorrectly reported my account as delinquent ( past 30 days ) to the credit agencies. I already was notified by the agencies that my rating has dropped considerably due to this and I can verify this by logging into such services that show that. 

HPF is not answering their phones as I have tried to call multiple times this week. They are not responding to emails when they say they will within 24 hours. That time limit has come and gone. And apparently, I was not alone in having my rating trashed. Apparently, they submitted delinquencies on many accounts that they service due to some ridiculous error that never should have happened. 

A credit rating is not easy to repair and they have done great damage to my previously stellar rating. What can be done about this? 

Here is an article giving more details not he matter : XXXX XXXX XXXXXXXX Thank you.
Product: Credit card or prepaid card

I was approved for a BofA credit card with a {$7500.00} charge limit. I got the card on XX/XX/23 for the sole purpose of booking a family vacation condo through XXXX and to take advantage of the Bank 's promotional benefits : {$200.00} reward credit for card charges of {$1000.00} in the first 90 days, a 3 % reward on travel charges up to {$2500.00} and 1 % reward for remaining charges. I tried to book the {$6800.00} condo and the Bank denied my charge saying it was too large and I would have to present identification at their nearest branch office which is XXXX miles from me. Why approve me and then deny a purchase? 
I wound up using one of my other credit cards. 

Bank of America owes me {$310.00}! 
First {$100.00} purchase within 90 days {$200.00} 3 % of XXXX {$75.00} 1 % thereafter ( ( {$6800.00} - {$2500.00} ) @ 1 % {$43.00} Total {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I am trying to sell a property ( vacant lot ) that had the mortgage paid off to BMO/Harris seven years ago who acquired the loan when XXXX XXXX failed in 2010. The loan was paid in full seven years ago, and a satisfaction of mortgage was filed, however there is a modification of mortgage still on the title which was missed by the lender and I have been unable to sell the property. 
I've sent numerous requests to BMO regarding the title issue and also Consumer Mortgage Release Requests on their form along with full title search details, and the company will not respond. I have been trying to clear this up since XXXX and it is causing great financial hardship.
Product: Consumer Loan

I signed a contract around XXXX, 2013, out of mostly desperation for a car. Not fully understanding how much i would come to regret this decision along with thousands of other people. First off i was told over and over before signing paperwork that never would the contract go over 3 years. 2 nd thing is im finding out is that the company is known just for selling pieces of rebuilt junk its even worse then the typical buy here pay here place. They pretty much threaten and bully u about the trash they sell and pull at this company so called suppose to help u with credit. If not just for my sake but for thousands of others XXXX needs to be shut down everywhere. It should be against the law to take advantage of people in bad situations charging over XXXX dollars for car that most are not even worth XXXX blue book value. I feel very ripped off and in something that i cant see a way out of thet have received payments from me for over 2 years the transmission is now about to go out any day now amongst other serious problems and after looking through my paperwork im finding out 3 years is more like 4 years. I would really like if this company can be brought to light for me and thousands more. I can not seem to get out of the negative equity and all the payments i have given them also being threatened about credit or being sued for the money owed. This company should not be allowed to continue to keep taking advantage and praying on people in this way they are complete rip offs and should be stopped for good. Plz help i need a way out!
Product: Vehicle loan or lease

XX/XX/XXXX, I attempted to make additional payments of {$190.00} and {$64.00}. The XXXX system was unable to supposedly unable to process because of software problems. I assumed the payments had been canceled. Low and behold, the payments were processed and deducted from my bank accounts. I called a XXXX and explained the situation. She advised that payments would be credited to my account via ACH just as they were originally charged. Well, this was a lie. I called an spoke to another agent who advised that this was not their procedure and that a check was mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received said check. I called again and spoke to a 3rd agent. Her response was that it would take 10-15 day to receive via USPS. Seriously? I recently mailed a letter to XXXX that was received within ( 3 ) days. 

Is the XXXX check going around the world or being delivered via XXXX XXXX? After receiving the message that the payments weren't going to be processed, I applied this money toward other bills. I am now having to used credit cards to pay for groceries and other personal items. I explained this to Agent # 3. Her response was they could cancel the check and apply the funds back toward the account. She said they couldn't cancel the check and process another because it was not withing their time parameters. 

I told her they should cancel and either XXXX or XXXX me a replacement. This was not an option and if so, I would have to supply them with account numbers and billing information. Really? They inconvenience me and expect me to make payment? As a goodwill gesture, they should bear the cost of expediting a replacement check. So now I am supposed to wait for the original check to be delivered ( whenever that might be ). 

This is not the first time I have problems with XXXX FS. But, it will be the last as I am going to trade the XXXX for another brand vehicle. 3 purchases from XXXX and this is the treatment I receive. Unacceptable, but I am at their mercy, even if they are incompetent.
Product: Credit reporting or other personal consumer reports

This will follow my previous complaint filed on XX/XX/year> where in I advised the CFPB that even with repeated written requests and letters XXXX or more of the credit bureaus have failed to provide a copy of my annual report and credit score. I do not have a SSN but I do have a Tax ID #, and it is impossible for me to access my reports online or file any disputes online. I can only request reports to be delivered to me by mail which is a very frustrating and time consuming process. My XXXX is not good so calling in is also not a very good option for me. Unfortunately even after filing a complaint and sending in multiple letters to the credit bureaus, I still have not received an updated copy of my full report or scores from any of the XXXX credit bureaus. I also attached a copy of my original complaint because there are several accounts that I do not recognize and I am not sure if the credit bureaus have done anything about this. Also, XXXX keeps sending me notices saying that the can not locate my file, however, I have attached a copy of my XXXX score from XXXX XXXX so I am not sure how XXXX can say I have no file but XXXX is providing me with a XXXX score from my XXXX report.
Product: Credit card or prepaid card

on XX/XX/2022 Social security sent my social security direct depost on my a netspend card and they refuse to deposit it or open account. The emailed me they needed more information like a social security card. Once I sent the upload of a social security card they sent the deposit back to social security and reported the card they mailed to me lost/stolen. Social security rec 'd it but the earliest it could deposit monies was on the XXXX of XXXX and I now have late fees such as a {$49.00} dollar late fee and a {$100.00} NSF fee. I feel like other bias cause issues as every time I call Netspend they put me through to automated voice system knowing card is deactivated and system will hang up on you. I have another account that provisitional credits is due on and yet not refunded. Deceptive practices has cause me to be late on rent.
Product: Debt collection

On XX/XX/XXXX I was referred for XXXX XXXX. I was told by my XXXX XXXX that the test was not covered by health insurance but I would qualify for low cost testing by completing a form. After completing the form my maximum out of pocket cost for the test would be {$45.00}. I received a bill from XXXX approximately 30 days later with the cost of the bill being {$200.00}. I paid the bill using my credit card. A few months later I received another bill for the same amount. I called the company to express that I had paid and they admitted over the phone that they saw the payment in full and since I paid out of pocket versus through insurance it would take time for their system to connect. The representative said I could ignore future notices. In XXXX of XXXX I was notified that the debt was sent to collections to the E & A Group. The amount the E & A Group said I owed was {$1800.00} but I could pay {$780.00} to settle the debt. I provided all the documentation of payment of the original bill to the E & A Group and I heard nothing back but they did place the debt as a collection on my credit report in XX/XX/XXXX for owing the amount of {$770.00}.
Product: Credit card

I applied for this card at Best Buy on XXXX Friday XX/XX/2023. I was approved in store for {$2500.00} and I purchased a XXXX XXXXXXXX XXXX tv for {$1600.00} I was told my payments would be XXXX a month for 2 years. I didnt receive a card until XXXX and when I did it was in the name of XXXX XXXX XXXX the account paper it came on still said my name. I called and found out that he received my card, made himself an authorized user, got credit increases and made thousands of dollars of purchases during this period that I didnt even have a card. On XX/XX/2023 he made a charge for {$700.00}, after that, on XX/XX/2023 another charge for {$900.00}. Then another on XX/XX/2023 for {$630.00}, and one more on XX/XX/2023 for {$1600.00}! After I called they closed out that card and sent me a new one. I received that card and made my first payment of XXXX $ on the account and the balance looked correct. Next month I try to pay and all of the charges are back on my account. I call and they said the dispute was denied and Im now responsible for all of these charges. The only information they gave me on why it was denied was this : The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. Ive now reopened this case for the third time and am getting no help. So, I have only ever used this card for one purchase on XX/XX/2023 in XXXX Ca XXXX where I live. I didnt receive a card until XXXX, and XXXX transactions were made in different cities in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX per XXXX XXXX was recently added to my personal credit report. This account is old and does not belong to me.It is also an old account that is no longer collectable or report-able according to Ca. law.I have tried to dispute this account at the Transunion website but I'm not allowed to access the dispute page. When I call and ask why, they give me the run around.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email from PayPal stating that the company had " ... noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' While I use XXXX on a regular basis ( a subsidiary of PayPal ), I have not used PayPal to transact funds ( sending or receiving ) since XX/XX/XXXX. Over the past 2 years I have transacted less than {$600.00} dollars on PayPal. 

As a result, I have been permanently restricted from using the service without cause. More importantly, there was no attempted resolution from the company before permanently restricting my access, nor were there any available channels for dispute within my online account after the company decided to take this action.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Clerk 's office for the U.S. Bankruptcy Court, Northern District of Alabama stated in the letter provided that they do no report or verify to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT LISTED IS FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT LEASE IN MY NAME I HAVE CONTACTED THE POLICE DEPARTMENT AND FEDERAL AGENCYS FOR CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Vehicle loan or lease

I had purchased a vehicle from a car dealership known as Americas CarMart, everything was great until I missed a payment then the harassment started they started calling family members threatening them stating they would be held liable for my debts. I have continued to beg them to not call my family members but they still do. I have asked them to just come get the vehicle they state they don't do that and offered a plan for monthly payments instead of bi weekly they continue to try and get payments every 2 weeks even though there is a new agreement in place with the XXXX of collections. I need help please
Product: Credit card or prepaid card

XXXX  and I cancelled transactions with me on Friday, XX/XX/2020  because it was not used. They refunded two transactions to me in the amount of {$5.00} and {$140.00} on Sunday, XX/XX/2020. The refund on my Bluebird American Express stated " hold for review ''. I contacted Bluebird American Express to inquire why this was put on the account and they told me that the money will be put on hold for 7-10 days to give the merchant an opportunity to resend the transaction. I told them that I am the cardholder and the consumer and they should contact me NOT the individual I paid because Bluebird American Express does not know what was transacted or discussed between XXXX and the consumer and that obviously if XXXX had refunded the money it is not for Bluebird American Express to question or withhold the cardholder 's money further. Bluebird American Express stated it is American Express policy to withhold the cardholder 's refunds 7-10 days, and that my money will be returned to me at that time. Bluebird American Express treats their prepaid cards like American Express credit cards when it suits them and like prepaid cards when it does not.
Product: Debt collection

XX/XX/XXXX Halsted Financial RE : VALIDATION OF ACCOUNT Reference Account # : XXXX To Whom It May Concern, This letter is being sent to you in regards to the letter I received dated XX/XX/XXXX ( attached ) which is advising me to make payment of a debt I do not owe. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation was requested. 

Additionally, I am a victim of identity theft and have attached the documents along with this complaint. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will not report this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigatory process concurrent with your investigation. 

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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I was alerted via XXXX XXXX XXXX XXXX alerts that a fraudulent credit card application was made in my name. I have XXXX legitimate cards with Capital One but there was an attempt to open a Cabelas card which is serviced by Capital One. I immediately reported the fraud and was assured credit reporting would be corrected to remove the hard inquiry. I waited the XXXX months and called back in XX/XX/XXXX to inform the credit report had not been updated. I was told to wait a little longer. I called on XX/XX/XXXX and was told Capital One already reported the hard inquiry as fraudulent and I needed to write a handwritten letter to explain the issue. I will not start from scratch with a company who is unwilling to acknowledge that they did not update my credit reporting as promised. It is not my job to dispute the negative reporting. I did my part by notifying this company immediately. Banks have a duty to investigate a Fair Credit reporting violation when alerted by a client multiple times.
Product: Checking or savings account

I will like to start by saying Chase bank is so far my worst bank. I 'm a  XXXX  year old  female,   XXXX   XXXX   and working to survive.  XXXX     2016 ju st before  XXXX  I tried to logging to my chase online but it kept saying my account is blocked and asked me to call a number. I called and they said chase closed my account and I should be expecting a letter that 's supposed to explain why. I wanted my funds but they said I would n't get it till the closure was complete. They said I should be expecting a check in the mail. I never got any letter  but one stating  they asked for some information and have n't gotten it. I went to the bank but they were n't helpful either.. the manager tried and asked me if I noticed anything in my account and I said no. I told him about how my boyfriend was the only one sending me money and he confirmed that was n't the reason. I had a bad  XXXX  because there was no way of me getting money and the money I had was frozen.. I had to use my credit card and could n't pay on time which ended up affecting my  credit score. I  waited till the  XXXX   XXXX  and never got any letter or check. After so many calls, I decided to go back to the bank, only for the banker and after several hours of calls to tell me she is sorry but I 'm not getting my money because they think it 's fraudulent. I asked why and she said it 's not her decision.. It was late so the manager said I should come back the next day. I went with my boyfriend and explained everything again, I told her I did n't want any reasons to why they closed my account, I just wanted my money. She called and at first she said they sent it to me then eventually she said they did n't cos it 's fraudulent. She looked into my account and she saw my boyfriends Id and confirmed that it was real money. After a long call she was told to send copies to some lady on the phone. I had to go print my statement and boyfriends statement for her. I was supposed to hear back from her but never did. After like a month I went back only to hear she was on a leave and they were n't sure when she 'd be back. The acting manager and banker I met said they would send her a message and get back to me too. I 've been calling and now I 'm tired. They always claim to be sorry and try to tell me how bad they feel but they do n't know anything I 've been going through. This is  XXXX  and no one seems to bother about it, so I decided to do my research and found this website. I know the bank claims they do n't have to explain why they end a relationship but I do n't think they have a right over my money especially since I gave them evidence of it. They ruined my  XXXX  and   XXXX   XXXX   plans and also affected m y credit score and al l that ca n't be paid back but I do think I deserve an explanation and a proper compensation for all the troubles cause I do n't think I 'll ever forgive all these. I hope this website helps me out and I hope no one else experiences what I 've gone through with Chase.