23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX purchased a charged off account from CITIBANK in the amount of {$7200.00}. REPORTED XX/XX/XXXX 2023. No forward flow agreement or purchase agreement was given upon request to validate and identify this debt. I certify mailed my request, and was not sent all that I requested. I was emailed XXXX times requesting to pay this unverified debt from XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I disputed last week with XXXX XXXX, and the replies with a copy of my current inde ticication, photo and all. The record showed a criminal background ( I've never been arressted ), in a city I've never been to.
Product: Credit card or prepaid card

On XX/XX/XXXX ( today ) I went to pay off my balance on my Apple Credit Card, and I opened up the app to make my payment and saw that it stated that my XXXX Balance was {$1400.00} and if I paid that amount I would not accrue any interest charges. However, due to a previous issue with interest and my Apple Credit Card ( where I had a carryover balance it didn't count in my payoff to not accrue interest ), I opened up the PDF statement they provide for XXXX and realized there are two issues. 

First, the PDF statement says that my XXXX balance is {$1400.00} which is a different amount than the app told me was due ( {$1400.00} ). 

Secondly, I had not paid off my entire balance the previous month, so even though it said I could pay off my XXXX balance to not accrue interest, that is incorrect, because if you look at the actual PDF statement, it shows that my " Total Balance '' is {$1700.00} due to my " Previous Monthly Balance ''. 

When this happened last month I did briefly mention that I had paid off the amount the app listed so that I didn't accrue interest, so Apple refunded me {$25.00} out of the {$25.00} in interest I had accrued, but I was given no recognition of the issue or assurance that it would be resolved. That is how I knew to look out for it this month so I could gather enough accurate information to properly file this complaint. 

I think this is an inherently predatory business practice that when you click to pay it states that paying off the previous months balance will mean you will not accrue interest even though I had a carryover balance. Apple needs to ensure that the amount displayed in the app for payoff not only displays the correct monthly balance, but that it also includes any previous monthly balance that may exist. 

I have attached screenshots of both my XXXX statement, and from the app to show the issue ( with my name/email redacted ). However I am willing to provide any additional information that the CFPB may need to investigate the issue.
Product: Vehicle loan or lease

XXXX XXXX. It is a car loan finance company,, I had a lemon car in XXXX which had power steering fluid issues after purchasing the vehicle. I never knew this until the XXXX XXXX started to give me problems. Then I went back to the dealership XXXX XXXX XXXX XXXX That car was traded off for a XXXX XXXX XXXX which included high interest rates and also a fradulent credit application. The application was lied on which made my car notes extremely high.
Product: Mortgage

Erroneous and excessive fees, poor communication, lack of point contact, inability to reach any same person twice, inability to reach escrow department, first loan mod in approx XX/XX/XXXX approval for Hamp but recieved a LIBOR ( no choice and set me up to fail, by stating 'make no payments ' ) Miss-statement of alleged amounts owed, harrassing phone calls when late, ( three times a day ), excessive 'inspection fees ', mismanagement of escrows, forced insurance ( insurance and taxes are escrowed ) During the shuffle from AMHS to Homeward, back to Ocwen, I was informed my insurance was canceled, however when I contacted my insurance, they claimed 'non payment was reason for cancellation, Ocwen said too bad, they 'Homeward ' were a different company and now I must secure new insurance ' Homeward is Ocwen, they misrepresented the facts. AMHS is Ocwen, XXXX XXXX is parent company. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I fell behind and was offered HARP, with a payment plan, every notice I received the principal, interest and escrows figures changed, varied and did not compute. Iv been paying on this account since XX/XX/XXXX with XXXX beginning balance, yet they show balance on XX/XX/XXXX as XXXX. Can not get strait answers, foreclosed XX/XX/XXXX bank bot back, property in REO > I have never dealt with a company with such disregard, in attempting loan mod, was told to fax 24 pages, they never got, had to resend. Fed up, I paid up in XX/XX/XXXX, mentioned I was not caught up with tax returns, they said " we can get around that ''. I Called back and was instructed to wire money to a XXXX XXXX account via XXXX XXXX ( i have full documentation and receipts on this transaction ) Odd, I suspect money laundering, definitely identity theft, as my vital personal information ( they never received in loan mod attempt ) went to who knows where? This is THE absolute nightmare of a company who takes very little responsibility/accountability/outsourcing their customer calls to a foreign country, who do not understand off 'script ' EXTREMELY FRUSTRATING TO DEAL WITH > HORRIBLE experience for ten years!! THE WORST. Came from Option One who went down in XX/XX/XXXX, months after I originated. Ocwen has been 'master servicer ' since the beginning. They will ruin your credit, and basically do whatever they want not short of take your house when servicers are not allowed to enforce anything but payments. Do not be fooled, they will lie, cheat, and cover up at every opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a general complaint. Experien has been advertising a product called Experan Boost. The advertising implicitly states by showing actors who claim they boosted their credit score between 16 and 46 points when they joined Experian Boost. 

If as the advertising claims, any one who pays money to purchase this product would automatically Boost their credit score, then the entire Credit score is fake and a shakedown to get consumers to purchase a product to boost their score. 

I joined a free trial and saw my score go up, when I did not renew, my score plummeted more than it had gone up. There were no other attenuating circumstances, in fact I have been lowering my debt and credit usage the entire time.
Product: Credit reporting or other personal consumer reports

I went through my Credit report and I noticed that on XX/XX/2023 I had XXXX hard inquiries which I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> my wife made a XXXX purchase of shirts from a charity using our Chase Freedom XXXX card. The amount was {$92.00}. On XX/XX/XXXX, I noticed a {$10.00} transaction that simply said " TRANSACTION FEE '' on my account. I inquired and was told that was the fee they charged for " Cash-like transactions '' which is what they consider XXXX, apparently. They agreed to remove the {$10.00} fee as a " one-time courtesy ''. It is absurd that a {$10.00} fee on a {$92.00} purchase is even allowed, as this is almost an 11 % fee simply for using a competing service to Chase 's XXXX service. 

I then found out that in addition to the {$10.00} fee, they have coded this {$92.00} as a cash advance transaction. I called to inquire about how to pay off the cash advance portion of my balance, as it was subject to daily interest of almost 30 %, and was told that I can not simply pay off the cash advance portion. In order to stop the daily usurious interest, I must pay off my entire balance, for both purchases and cash advances. It does not matter that I automatically pay off my entire balance every month, they are going to be charging me daily for the cash advance portion, and I can not make a payment directly to the " cash advance '' portion of my balance. 

I went to the branch to dispute with a live person, but was told that all credit card business was only handled through their outsourced customer service phone line. 

This seems unfair. If they are going to separate out a specific balance to be charged a higher interest rate, do I not have the right to make a payment specifically to that part of the balance? I accept the responsibility for not keeping up to date with the fine print of my credit card agreement, which they can change on a whim, but this arbitrary rule makes it difficult for people to manage the interest they are charged when hit with an unexpected " cash advance '' that was no such thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to to investigate and check some errors I noticed in my credit report. Experian has disregarded my request.They have mentioned something about they need authorization but clearly if im asking for the second time I am giving them permission/authorization. I included a bank statement and proof of id to confirm my identity.
Product: Debt collection

I received a letter from Apelles that says I owe XXXX XXXX  {$9900.00}. I dont owe them anything as Ive already explained to XXXX. This debt is erroneous and I will not pay one penny of this!!!
Product: Credit reporting or other personal consumer reports

I filed a dispute on a bankruptcy that I do not recognize reporting on my credit report. I requested them to provide documentation from the courts of the public record. Experian denied to follow up with the investigation. I was recently notified that the CFPB filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumers dispute results. This is similar to my current situation. Experian has not attempted to remove or correct my information. I am requesting that this derogatory remark be removed or corrected IMMEDIATELY as its affecting my chances to refinance my mortgage. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XX/XX/XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

Target credit card is not crediting my account when I make a payment. Recently, on XX/XX/XXXX, I made a {$3000.00} payment. Target has yet to credit my account for this payment. I believe they are committing a huge fraud. If they do not credit my account, they then have the advantage of charging me more interest than I am suppose to really pay. I have never experienced this fraud in the last XXXX plus years of paying credit cards. 

Please, I need to put a stop to this. CFPB is the only Bureau which has the resources to stop this abuse. This is fraud at its finest. 

I know there are many people who are going through this same abuse and do not have where to look for help. 

Please help put a stop to the fraud Target card is committing. 

Thanks.
Product: Checking or savings account

On XX/XX/2021 a check I wrote for one of my subcontractors was stolen and cashed by another person who went to Navy Federal Credit Union and deposited the check into their account for the amount of {$1000.00}. On XX/XX/2021, I opened a fraudulent claim with my bank at XXXX and sent in documents from the person who had the check stolen stating they never cashed the check. On XX/XX/2021, XXXX XXXX  wrote to me to let me know that Navy Federal Credit Union has still not responded and if they do not then the funds are lost. This is fraud and is being ignored by Navy Federal Credit Union. They know the account of the person who stole my funds and are ignoring it. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/14 XXXX I CALLED EXPERIAN AND REQUESTED NAME AND ADDRESS CORRECTION. I SPOKE WITH 2 DIFFERENT REPS AND WAS TOLD IT WAS COMPLETED AND WILL BE UPDATED IN 72 HOURS. NO CHANGE HAS BEEN MADE AND I AM HAVING A HARD TIME OBTAINING HOUSING. 

THEY STATED IT WOULD BE FORWARED TO XXXX AND XXXX..
Product: Money transfer, virtual currency, or money service

To whom it may concern, I submit this formal complaint regarding Webster Banks conduct in relation to financial losses I sustained due to a fraud operation. I reported this matter to Webster Bank on XX/XX/XXXX and XX/XX/XXXX of this year. Unfortunately, I have not received any acknowledgement or response regarding this matter. On XX/XX/XXXX, I wrote to the bank 's director, XXXX XXXX, but that letter was also disregarded without any communication. I kindly request your assistance in ensuring that my complaint is reviewed fairly and reasonably, as I believe this issue requires proper attention and resolution. 

Please see the attached PDF file for all details and evidence.
Product: Debt collection

L J Ross Associates put a collection on my credit. I advised them that I am already working with the creditor to clear the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. Upon reviewing my credit report, I noticed that there are several inquiries that were made by XXXX XXXX that I have no recollection of authorizing. 

The following are the dates and inquiries in question : XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I demand that these unauthorized inquiries be removed from my credit report immediately. I have no affiliation or business dealings with XXXX XXXX, and I have no knowledge of any credit applications made through them. 

Furthermore, I noticed that there are two inaccurate accounts listed on my credit report, one with XXXX XXXX XXXX and the other with XXXX XXXX XXXX I was surprised to see that you were able to verify these accounts even though other bureaus have removed them due to their inaccuracy. 

The following are the account details in question : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I demand that these inaccurate accounts be deleted immediately from my credit report. 

I urge you to investigate these disputes as soon as possible and make the necessary corrections. Please inform me of the progress and outcome of your investigation. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX I was approved for a personal loan in the amount of {$3600.00} from XXXX. My payments were set up to come out of my checking account Bi-weekly for the amount of {$56.00}. This was a smooth transaction and I had no issues with this company. For some reason unknown to me FCC Finance took over my loan from XXXX on or about XXXX XXXX. I received a Call from FCC Finance around this time to set up a payment schedule as the representative stated that he could not set up a Bi-weekly schedule. We came to an agreement of paying the amount of {$110.00} to automatically be deducted from my checking account each month on the XXXX. The first payment started XX/XX/XXXX Note that I also paid an additional {$56.00} on XX/XX/XXXX and XX/XX/XXXX. Every payment has come out of my account each month on the XXXX of the month but I am getting harassing phone calls about late fees and payments???!!! What? If anything at this point I have over paid. Why am I getting the calls every couple of weeks. I have to go through the whole story over and over and the company representatives acknowledge what I am saying, claim that they note my record and that these calls will stop but they do not stop. They call every couple of weeks and we go through this all over. Today when they called they claimed I okayed a payment setup for today XX/XX/XXXX and wanted to know if today was still a good day to make this payment. NO! I did not authorize this. I have an arrangement setup for the XXXX of every month. At this point I feel like this company is nickel -and- diming me. I am terrified at what this loan will actually end up costing me because of their incompetence at record keeping and billing. At this point I am about ready to stop the automatic withdraws to my account and send them paper checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX : Illinois Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX ) 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
Furthermore, this particular company bought XXXX, who was my original credit card company who also never notified me that the company was being sold to this particular company and question. And after 13 calls in regards to this matter, the company waived all fees, but did not correct my credit profile. Prior to this incident I had an excellent credit history with the original company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy. 

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX : Account XXXXXXXX XXXX XXXX XXXX : Account # XXXX
Product: Mortgage

I currently have a mortgage with rocket loans, they approached me about a refinance. They did a hard pull on my credit without authorization from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three 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 : XXXX XXXXXXXX : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late and was not paid in full. 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

I was notified of a inquiry on my equifax credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a Equifax agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... EQUIFAX IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.
Product: Debt collection

I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Accounts that were opened without my knowledge or permission by a person close to me, whose identity I prefer not to disclose, have negatively impacted my credit score. The Federal Trade Commission ( FTC ) has assigned the following report numbers to this identity theft case : XXXX, XXXX, and XXXX. The unauthorized accounts listed below have caused me significant financial distress and I demand your immediate action in investigating and rectifying this matter : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX. Please delete these accounts ASAP.