23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I summit modification loan documents they told me I had 30 day when I talk to them on the phone now bay view loan said is to late I send them all my paper whit the peal letter I need to know they are going to my house for sale not fair please help me my English is not to good
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I had an extensive call with one of your agents regarding my escrow account. As all calls are recorded, I requested a full copy of the call. During this conversation, Newrez agent explicitly stated that I did not have to make an escrow payment at that time, as they were still investigating the home insurance coverage. I was informed that I had 60 days to resolve this matter because I had already provided proof of full home insurance coverage on XX/XX/XXXX covering up to XX/XX/XXXX. 
Despite following Newrez agents instructions, they incorrectly reported my payment as late, in XX/XX/XXXX unfairly impacting my credit. 

On XXXX/XXXX/XXXX I was told that the agent gave me incorrect information but that they will not fix my credit, also a recoded call. Newrez agent was not trained and the misinformation given to me on a recorded line caused my credit to go down, they should 100 % own the mistake and fix it as it was 100 % the agent mistake and not me the client.
Product: Student loan

I had loans from XXXX XXXX which were transferred to XXXX. I now have a loan through XXXX I was under the assumption that I was suppose to be paying a third party student assist plus {$30.00} a month, and it is set up on the XXXX of each month. Unaware that I am not suppose to be paying I have been. XXXX informed me that I have no need to pay this third party. So i was submitting this form to see if anything could be done about it, and if any way possible would I receive any of my money back.
Product: Debt collection

They sent me a letter stating that beginning XXXX XXXX, 2015 their company will start taking {$75.00} on my account. The company kept sending me letters about the debt which I do n't recognized. I did request in writing to send me the validation of debt which they failed to send. Now, this is what they want to take money from my account without any judgement or proof of debt.
Product: Credit reporting or other personal consumer reports

Sent a dispute letter asking the accounts and inquiries be validated with the Original contract. They had 30 days and I want the accounts and inquiries deleted now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a XXXX  review of my personal credit report they did and when i review after their reviews i see that there is still incorrect information reported in my report that they did not see. 
In accordance with the fair credit reporting act, XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX and companies that access my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  have violated my rights 15.usc 1681 section 602a sec2 : it also states a consumer reporting agency can not furnish a account without my written instructions, i have been violated
Product: Debt collection

To whom it may concern : I do not have the most accurate category in the drop down menu " which of these best describes your issue '', however, I did call and a customer service rep assured me that making a complaint here would be most efficient and that I could personalize my complaint here. 

My complaint is that the company who now has my loans, 'GC Services ', has consistently given me wrong/misleading information regarding my defaulted student loans. I was notified by the XXXX that my loans totaled about XXXX. I was sent a letter around the end of XXXX stating that I had 60 days to respond. I never got that chance, because the loans were transferred to GC Services. I contacted GC Services about two weeks ago so that I could rehabilitate my loans. I was told that I had rehabbed my loans twice before and was no longer eligible. 

I also called today, XXXX/XXXX/2016 and again inquired about rehabilitating my student loans. I was told that I had rehabbed them once and was not eligible. I asked why the discrepancy and then asked for supporting documentation, since I was on the Consumer Finance.gov website and would submit a complaint since by law, they have to offer me a rehabilitation for defaulted student loans. I was told they do NOT offer supporting documentation and I then asked for an address and phone number, neither of which were given to me. I was then transferred to a 'manager ' and when I asked for an address and phone number, I was asked " why '' - this does not seem like a legitimate business practice. 

I was given a phone number, but not an address - XXXX is the phone number that I was given. They also tacked on fees and interest, making the total XXXX. I do believe I am eligible for rehabilitation since my loan is defaulted and I am having financial hardship. I do not believe that this company has given me accurate information or represented themselves as a company that tells consumers the truth, instead, I have been consistently transferred around to various departments, 'managers ', been given false information, and told my only options were " paying the loan '' and I was told I could not rehabilitate the loan repeatedly with no real explanation outside of " you did it twice and are not eligible '', and then " you did it once and are n't eligible ''. Again, I do not believe it is best business practice not to communicate basic things like supporting documentation, addresses, etc. to someone who is attempting to resolve their defaulted federal loans. 

I was also told by GC Services to contact the XXXX, but I had already done that, and I get an automated response telling me to contact GC Services. 


Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 Trans Union XXXX XXXX XXXX and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Money transfer, virtual currency, or money service

Had my phone stolen, and the thief was then able to quickly get into my USAA app. Not sure how he logged on, but I also am not an expert in all the latest software and tools thieves use in XXXX. Once into the USAA app, he enabled XXXX ( I have never heard of it ) which appears on USAA 's homepage for the app. He then transferred {$980.00} to one of his contacts. 

Have repeatedly called USAA requesting reimbursement, and they keep saying 'they found no fraud '. The thief also used my XXXX app to send money, and XXXX agreed that is was fraud. They reimbursed me right away. 

USAA continues to drop the ball on this. I have given them my police report, I have attached screenshots of my e-mail around that time, and I have made them aware of XXXX 's determination that this was fraud. 

I would like USAA to the right thing here instead of just saying there was no fraud found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from XXXX, Experian XXXX XXXX XXXX XXXX to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from XXXX, Experian XXXX XXXX XXXX XXXX any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to XXXX, Experian XXXX XXXX XXXX.
Product: Credit reporting

I signed up for what I thought was a {$1.00} credit report with Experian ( XXXX ). I was then charged {$24.00} for a credit monitoring service. I called the Experian and cancelled my " membership '' but they would n't return my funds. Unfortunately, I did n't see the fine print but this company is taking advantage of people. I would like my money back since I feel like I was taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to delete some of the fraudulent accounts and information from my credit report, but further investigation of my credit report revealed other issues. I observed that many of the fraudulent products are still present. You must delete the fake accounts and information you report on my credit file in accordance with Fair Credit Reporting Act section 605b. Please remove the remaining items from my credit file as quickly as feasible in accordance with Fair Credit Reporting Act section XXXX ; XXXX : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In order to have the fraudulent accounts and information removed from my credit file as quickly as possible, I am submitting this CFPB complaint. Even though I respect the deletion and action you took, my credit file should also have had the remaining items removed.
Product: Credit card or prepaid card

I have an existing AMEX Platinum card and called AMEX on XX/XX/XXXX to transfer my points to my XXXX XXXX investment account, the representative on the phone recommended that I sign up for a XXXX Platinum card. When I verbally asked multiple times if there was an annual fee, I was told that there wouldn't be an annual fee because I already had a Platinum card. 

I called twice to confirm that there would not be an annual fee, and both times I was verbally told there was no annual fee. I was charged {$550.00} on XX/XX/XXXX, and I called the XXXX number to dispute it and was transferred to the manager, who told me he would review the call log to confirm and get back to me. They determined that they were not at fault and recommended that I cancel my card to return the annual fee, since I had already used the welcome points, I have a rewards balance of negative XXXX. 

I was verbally misled by AMEX and they refused to provide any reasonable path to arbitration.
Product: Checking or savings account

An employee worked for me for about 5 years. He was taking customer checks made out to my business and mobile depositing them into his personal Wells Fargo account. This was over the course of XXXX. In XXXX of XXXX, Wells Fargo called me and asked if I authorized an employee to deposit a check into his personal account to which I of course said no. They told me " over the last 3 months, we see he has done this with several checks totaling approximately {$30000.00}. '' They told me they were not allowed to tell me any further than 3 months even though it was my money. I confronted the employee over the phone and he stopped contact with me. After filing charges and subpoenaing records from the bank, the total amount stolen was {$130000.00}. Criminal charges were filed but the bank 's fraud department refuses to work with us and will not give any of the money back. The employee has since overdosed and died. This is negligence on Wells Fargo 's part for continuing to allow business checks specifically made out to my business to be deposited into a completely separate personal account. How this was not caught sooner, I will never understand. I am willing to work with the bank and settle this any way possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is TRANSUNIONs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2022 and a 30 day late payment posted in XX/XX/2022. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry on all three credit reports from Capital One on XX/XX/XXXX that I did not make. Per the instructions from Capital One, I sent a letter, along with my personal information, and copies of my credit report. I received a letter on XX/XX/XXXX that states they didn't receive my information. The only way Capital One would have known to send me a letter is if they received my letter first. I called Capital One and they acknowledged they opened a case but didn't receive my information. I explained that the only way they would have opened a case is if I contacted them first. They refused to help any further other than requiring me to send in my information again ( which I reluctantly did ). In addition, my credit is frozen due to an unauthorized inquiry made in XXXX of last year. Notes on my credit reports state this, and also state to call me to confirm my identify. Capital one did not reach out to confirm my identity. They also did not open an account as far as I'm aware. They should have proactively removed the inquiry from my report due to it being unauthorized. 

Attached is a copy of the letter from Capital One, along with the second letter I sent to them and all other supporting documentation.
Product: Checking or savings account

XXXX XXXX XXXX XXXX, 2017 Fifth Third Bank Office of the President XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX This is a letter I sent to Fifth Third Bank requesting a correction to a mistake their employee made and asking for the mistake to be corrected. 
Dear XXXX, I am writing with disappointment to your response, and to request your assistance once again. My former wife and I had a property financed through the XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX MI. XXXX. Unfortunately, my former wife and I dissolved the marriage, In doing so, there was an excess of close to {$3900.00} in the escrow account attached to this mortgage. After reading your response, it saddened me that your bank would not stand behind their mistakes. In regards to the check made out for {$3900.00} to XXXX XXXX XXXX, XXXX XXXX XXXX, the problem is, Fifth Third Bank cashed this check with only one of two signatures that were required, we are divorced, and there is a strained relationship between the two of us, so collecting this money by me to correct your banks mistake form my former wife is not an option, and half of this money she was not entitled too. Fifth Third Bank has an obligation to return the money to me, seeing that XXXX has no claim to my half of the escrow. The mortgage officer made the check out to XXXX XXXX, XXXX XXXX XXXX. This check was signed by XXXX, and applied to her new escrow account. I have spoken to the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance. And am awaiting on a complaint form to begin action through them to try to resolve this issue. I was told based on my verbal complaint that there is a claim against both Fifth Third Bank as well as XXXX XXXX XXXX XXXX. If this letter is not going to generate the remedy that I seek, then I have already notified you that I have contacted the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance and will be forced to proceed with their assistance. I am appealing to your good judgment to help correct this error. Please respond within 10 days, or I will take your failure to respond as an answer. 


Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX XXXX Second attempt to resolve the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent information on my credit report beginning XX/XX/XXXX. I have provided 2 police reports and numerous other information but still they are leaving on my report fraudulent accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have even provided an internal fraud report number for XXXX  after visiting a local office. I was not even in the country when this happened. I was XXXX XXXX military. Equifax has done nothing but tell me that I have to provide more information. I am about to lose my home which will make my family homeless. I faxed Equifax a police report on XX/XX/XXXX and they stated they required a different format which I faxed them on XX/XX/XXXX. I have fax confirmations. This is after several letters dating back to XX/XX/XXXX. Spoke to XXXX at Equifax. 

I did send the same to XXXX and they have removed it from my credit report while it is being investigated. They should have been done with their investigation as I started this in XX/XX/XXXX. Spoke to XXXX at XXXX. I have a copy of the return receipt for XXXX. 

XXXX  has removed it and has been good to work with. 

Equifax has been very difficult on every level.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, closed my credit card account three days after setting up a payment arrangement the closed account hit my account and lowered it by over XXXX points on XX/XX/XXXX on XX/XX/XXXX the change started I attached the closed account reporting and when it was closed and the recently updated open account. If this account hits my credit again as closed it will surely lower it again this is unethical due to the nature of tactical measures to obtain Furnishing and Reporting Inaccurate Information knowing the account is closed showing as current when it rectified will decrease my score yet again I called and they verified the account was closed however still showing current XX/XX/XXXX was updated as open. 

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA,
Product: Credit card

I made a payment on my capital one credit card account ending in XXXX in the amount of {$190.00}. Normally my funds are available in XXXX hours if not same day. I called their customer service line and they informed me that there is a hold on my account until XX/XX/year>. They don't see a reason why because the account is current, just the system may hold funds on the card! 

I asked them why, they said there's nothing they can do. I asked them if I closed the account when my funds will be received since this is a secured account, and the rep said 60 days. 

The rep said, " Capital One will sometimes hold funds from a bank to verify the funds in a timely manner. '' However, I transferred the funds from a Capital One Bank! That Capital One Bank account is in my name and attached to this card. 

Actually your rep did say, I can apply for more credit if I need my funds sooner. Why do I need to go into more debt just to use the available funds that I already paid? THIS IS UNACCEPTABLE! 

How can capital one hold funds with no reason, this has to be a violation because I did nothing wrong with the account, they require that I make timely payments in their contract, and I made the payment from a Capital One Bank. I am completing my contract correctly, however Capital One is holding my funds and because they are a big bank they are acting like there is nothing I can do about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had financial difficulties in which I let XXXX know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw XXXX XXXX   which took 30 days. 

XXXX put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ... 
Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship. 

I have attached a letter that I provide XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XX/XX/2021