23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I took out a loan online at XXXX. In XX/XX/XXXX I contacted the company via their 800 number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX a.m. XXXX my loan would not be reported late. 

I called the 800 number three times on XX/XX/XXXX, and was told that XXXX was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. 

During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX p.m. XXXX and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. 

XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. 
XXXX told me to send an email to XXXX to also make them aware of the matter. I received a response from XXXX stating my payment was late and would be reported to the credit bureaus. 

On XX/XX/XXXX, I called the 800 number again and once again spoke with XXXX. She reviewed the email that I received from XXXX and stated she would escalate the issue to her supervisor because my payment was not late. 

After speaking with XXXX, I again received an email from XXXX stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. 

Prosper states all calls are recorded. Therefore, my calls should be able to be reviewed.
Product: Mortgage

I called citimortgage on Saturday XXXX and asked about getting a 2 month extension for my XXXX & XXXX payment. I was told to call back on XXXX which I did and went over my finances and was told I qualified for the 2 month extension. I was supposed to get a fax that day. I gave them my personal fax # XXXX. I never got the fax so I called back and they refaxed it but with a date of XXXX not XXXX which would have had me within the guidelines to get the extension. I have made lots of calls and been told lots of different things I was told I was approved and do n't worry about the fax they just need to have it uploaded. Now today when I called I was told I was outside the dates so I was declined. I would like to file a formal complaint I did my due diligence to get help and was told I was approved for the extension and now it is the XXXX the last day of the month and I am not able to make the payment. I would like for Citi to make this right by honoring the XXXX as the date of the extension approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX/XXXX XXXX is reporting different payment history which FCRA requires all information to be reported must be 100 % accurate. Due to these inconsistencies I demand that this item be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX started my disputes with XXXX on XX/XX/XXXX and since then have sent more letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing various items on my account. Some have been deleted upon not being able to verify but others till remain and have not shown proper verification under the FCRA rules and regulations namely : XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as they have not been able to verify with supporting documentation the validity of the debt. 

EXPERIAN As with XXXX, I sent request for validation of the debt on my credit report and no proper documentation under FCRA rules and regulations have been submitted to me justifying the debt. Namely : XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX AS with both XXXX and experian, items on my credit report were disputed and supporting documentation requested was not submitted. namely : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX XXXX : These Company which allegedly hold a XXXX XXXX debt in my name hasnt been able to supple subsequent documentation to validate the debt under the fair credit reporting act and has reported to the credit collection bureau without proper validation. And thus needs to be deleted from my credit file. 

In Closing all these companies have been given ample time to validate the debt on my file with supporting documentation and have failed to do so. 
Im hoping to resolve this matter with a deletion from my credit file as these items have caused me some distress. 
Thank you
Product: Credit card or prepaid card

My name is XXXX and I became a victim of scammers. In my name, a Capital One bank credit card was opened. This card was opened in XX/XX/2022 with a limit of {$500.00}, while {$740.00} was used on it. I have two cards, one debit card and the other security deposit bank XXXX XXXX XXXXXXXX. I no longer applied to any banks to open credit cards. 
Also, I did not receive this credit card or letters in the mail, and nothing came to the e-mail.
Product: Mortgage

My wife and I received in the mail a pre-approval letter from First Direct Lending. Address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. The letter said we were pre-approved to refinance our mortgage at the exact amount of the existing mortgage. The rate would be about half of what it is now. The amount that was clearly stated was XXXX. We called the number and spoke to the agent. He sent us his qualifications for verification. Everything seemed fine. I told him we had received his company 's letter in the mail. 
The application process took a day or so because I had to send him copies of our XXXX 's, payroll stubs, drivers licence, tax statements, insurance verification and so on. After giving up all and I mean all of our personal information, including SS # 's, he wrote to us saying we did not qualify for the loan because of the amount. 
I wrote to him and accused his company of fraud. I can send you copies of the letter we received. What worries us is that they now have all of our information. He could have told us the amount was too high right away but instead asked for all information. What is going on? And the letter we received being pre-qualified? If we were pre-qualified for the amount shown then we should have been able to refinance as stated. 
This is a scam and I would like this company investigated. I will take this as far as I have to. I am angry and I have every right to be.
Product: Debt collection

I have already pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 

This letter is to inform you, I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove altogether. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditors. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from Transunion and noticed that the report has credit inquiries that I did not authorize. 
I request you to investigate and remove the inquiries as soon as possible. I will be applying for a loan very soon and it is crucial that my credit score reflects my accurate credit standing. In case you come across evidence that counters my claim, I request you to please send me a copy. 


XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing as a consumer. As of XXXX XXXX, 2020, CAPITAL ONE BANK USA N has been paid in full and still reporting on my credit report. Under chapter 15 U.S. Code 1681c ( 1 ) it states, " The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. '' Both accounts have surpassed the 7-year period. I have disputed multiple times to both companies and now am living in emotional distress because of this issue.
Product: Mortgage

I refinanced my mortgage loan ( 1st lien HELOC ) with XXXX XXXX. XXXX was wired a payoff on XX/XX/XXXX. The payoff they received was good through XX/XX/XXXX so XXXX was paid the complete principal balance and more in interest than was due. Additionally, the new mortgage company sent a letter which I signed noting I wanted the account terminated. 

On XX/XX/XXXX XXXX drafted the regular monthly payment on my loan which was already fully paid off. This caused an overdraft charge on my checking account of {$36.00}. When I saw the payment draft on my account in a pending status I contacted XXXX and was told they could not cancel the ach payment and I would receive the amount I overpaid in 10 business days as they have to make sure the wire is good. I was told the ACH agreement I signed to have the monthly payment drafted noted that I need to cancel any future payments at least 3 business days in advance. I dug out the ACH agreement and this was a true statement from BSI. This wasn't noted on the payoff statement from XXXX. 

I called a second time a few days later and was told they have never received the signed termination letter and would need to send it a second time. I was also told that it would now be 14 business days before they would know if the ach payment was good. Additionally I was told they would charge me interest until they received the signed termination letter. I have a negative balance as they drafted a payment that wasn't due and they indicated they would charge me interest on a negative balance. 

I emailed a copy of the payoff statement which was signed by me on XX/XX/XXXX when the loan closed and a copy the new mortgage company created both indicating the HELOC needs to be terminated and the lien released. I've called and left a message to make sure they got the emails ( I did get an email delivery receipt ) but nobody has returned my call. 

I feel that XXXX XXXX is purposely ignoring my overpayment and extending the time it takes to refund the overpayment. I believe this is a violation of UDAAP.
Product: Credit card

Wait times to speak to a representative of this company ( a.k.a., TD Financing, TDF ) in the times that I have called have been over 117 minutes before I was unable to continue holding and had to give up. TDF is non-communicative by phone and by certified mail ( USPS, TDF has received, see attached ). The one time I did get through, TDF opted to not waive the late fee due to my late receipt of their USPS-mailed bill. I then immediately paid that late fee. I have had no late payments over nearly 3 years except that one, and none since. Nevertheless, TDF added a second late fee, in violation of their statement : " While we investigate whether or not there has been an error... : We can not try to collect the amount in question, or report you as delinquent on that amount. [ Adding subsequent penalties to an amount they are investigating is an attempt to collect ; also the company reported me delinquent to " credit bureau 's '' ( sic ) ] ... While you do not have to pay the amount in question, you are responsible for the remainder of your balance. [ which was paid, and on time ]. '' I have paid the remaining principal & interest to close my account but TDF insists my account is open and is adding late fees to late fees, ballooning my supposed balance in violation of their own terms.
Product: Debt collection

I received an email indicating that my credit score was negatively affected. I immediately checked my credit report and noticed that a place called Diversified Consultants was trying to collect a debt from me for XXXX to which I do not have. I called the company listed and he was very rude and demanded my social security number ( to which I did not give him ). I looked them up online and they are a very shady group with a lot of negative reviews from people that they have been taking advantage of. I need to restore my excellent credit and get this taken off my credit report please ... ... ASAP. Please help me!!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX, XXXX. Original creditor : XXXX XXXX XXXX Account number : XXXX this company has violated my rights reporting wrong information 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 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 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give anyone written permission to furnish these accounts to my credit profile. I have the list of accounts that I will post here! XXXX XXXX Account # : XXXX, XXXX  XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXX. I am attaching identity and proof of address.
Product: Checking or savings account

OnXX/XX/XXXX I was charged XXXX in overdraft fees, and then again onXX/XX/XXXX I was charged another XXXX in overdraft fees. At the time my other checking account I have with BBT had well over {$20000.00} in it. I also had requested over a year ago that my second checking account ( one with 20,000 + in it ) be linked to the checking account that received the over drafts. That was never done and I was charged XXXX in fees. This is very upsetting. And I have requested from BBT to refund them, and they have refused to. There is no reason I should have been charged these fees when I have plenty of money in their bank.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # 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 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 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of a sudden on XXXX XXXX, XXXX Equifax STOPPED reporting to XXXX XXXX therefore preventing me from accessing my credit score. I reached out to XXXX XXXX and this is what I was told ... XXXX '' I can see that we are receiving an error when your account attempts to receive updated information from Equifax XXXX Unfortunately since this is an error generated by the Bureau we are unable to bypass it on our end and have limited insight to it, please contact Equifax. '' Bc of Equifax throwing that security freeze on my account numerous times w/o my permission this is what I have to go through. I never asked for it and when she said its one of the two either information updated or a freeze was placed I knew exactly it was bc you kept throwing that freeze. PLEASE DONT RESPOND AND SAY THERE IS NO FREEZE BC I AM AWARE OF THAT. Just please get with XXXX XXXX and resolve this. 

Thats what I was told. I was told it could be bc my information has changed or there was a security freeze on my account. I advised as of today there are no freezes or alerts and information is the same. Even contacted Equifax spoke to Supervisors was on phone for 45 minutes TO NO AVAIL. They had no clue what I was talking about and kept saying " we dont do anything with XXXX XXXX '' um DUH I know that they are just lazy. Please get this corrected so that my information can get sent to XXXX XXXX and I can receive my score. I ', m done calling Equifax I called 12 different numbers I AM DONE WITH EQUIFAX. XXXX updates fine its only Equifax. XXXX XXXX cant to anything.
Product: Checking or savings account

On XX/XX/XXXX, I was trying to log into my TD Bank account. Upon logging in, I discovered they closed my checking account for reasons unknown. I decided to call and they told me they have a no check status meaning the customer service on the phone was not able to see or give me a reason as to why they closed my account. The next day, I decided to go into the banking branch and find out what was going on with my account as I had money on there that I needed. The customer service employee and the branch advised me the same thing and told me my account is closed and she took m bank card and cut it and threw it away without still giving me any reasons as to why they closed it. I then asked them when I will be getting the funds in my account and they told me it should be mailed to me within 30 days. Fast forward to now Ive called multiple times the past months asking when I will receive my money and they continued to tell me the same thing. It should be mailed to me in 30 days. It is now XX/XX/XXXX and I have still yet to receive my money months after them telling me I would. Im unsure what to do and writing this complaint was my last resort. I just want my money back because it is MINE and it is not the banks right to continue to hold it away from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXXXXXX. Please update ASAP.
Product: Payday loan, title loan, or personal loan

XX/XX/22 I responded to a pre-qualified mail offer for a personal loan of up to {$5000.00}. I went to the Mariner Financial website provided on the mailer and completed my application. The response I received was to call the local office in XXXX XXXX, MS . I called the office and spoke with a customer service rep who pulled up my application and began asking me information to verify my application. She asked me about my employment and I told her that I worked remotely. She still insisted on me giving her an address. Afterward she asked me about verifying my employment. I told her that my company uses XXXX XXXX XXXX to verify employment and that I could also provide a written letter from my company and or my check stubs. She proceeded to tell me that she had to speak with my manager or supervisor to verify my employment. I told her that I am not comfortable with anyone from my employer knowing my personal business. She told me that's the only way they could verify employment. 
I feel that this is racially motivated. If I can provide written proof of my employment and my paycheck stubs why is it necessary to involve my manager in my personal business?
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balance of XXXX  XXXX credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account Transunion account # XXXX, XXXX account # XXXX, and XXXX account # XXXX has violated my rights. Under 15 USC 6802 ( b ) ( 1 ) ( b ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given an opportunity to opt out of my nonpublic information that this financial institution had of mine to be shared to any third party entities before my debt was given to a third party organization.
Product: Debt collection

Violation of the Fair Credit Reporting Act violation of the Fair Debt Collection Practice Act
Product: Money transfer, virtual currency, or money service

Around XX/XX/2022, I fell victim to multi-layered scam operations run by XXXX and XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).