23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for he XXXX Visa Credit Card because it advertised a {$200.00} credit towards your fist purchase of a ticket as well as XXXX points after spending {$1000.00} in the first 3 months. I was in process of booking a flight when I saw the promo and so applied for the credit card and was approved. I used the credit card immediately for a ticket that day but didn't receive a {$200.00} credit towards the ticket as advertised/ Afterwards I found out they wouldn't give it to until after 90 days and would be a statement credit. I paid towards the ticket, of course received finance charges waiting for the credit. Which is deceiving customers. in addition, I spent the {$1000.00} quite quickly and well before the 3 months was up and yet to have received the XXXX in points that was advertised. When I called they stated I would get it next billing statement and then the next time told me XX/XX/XXXX, I still didn't receive and now when I call them, they tell me that I am not going to get it at all now stating that it is either {$200.00} credit or points not both but this was not what was advertised, FALSE ADVERTISING and clearly XXXX is worth much more than {$200.00} and the promo was for both. This bank needs to be investigated for FRAUD. They trick you into applying and then don't give you what was promised.
Product: Mortgage

Mr. Cooper provided a payoff amount for the sale of this property that is in foreclosure. It is an estate and I am the realtor working with the XXXX Representative. The property was sold and Mr. Cooper was paid the amount they said they were owed on XX/XX/XXXX. The property is still in foreclosure and now Mr. Cooper says the payment was short {$400.00} and they now want interest. 

The bank sent a pay off to the title company, the bank was paid that amount by the due date. Not only does the bank not contact anyone ( XXXX XXXX, XXXX, XXXX representing the estate ) and say hey we made a mistake and the payoff was supposed to be more but they keep the property in foreclosure with an active foreclosure sale date. 

This is completely unacceptable. Mr. Cooper and those who represent them, have an obligation to do things in a timely manner. This is a very simple issue, the mortgage company can't come back after that fact and say hey we gave the wrong number and you paid it on time just like we requested but since we were wrong you not only owe the difference but you owe interest on that difference. The property sold to a new owner XX/XX/XXXX, it is XX/XX/XXXX, why is this still in foreclosure, the bank has not acted in good faith and has done a disservice to the public. They also have an obligation to give accurate accounting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX, along with the inquiries from XXXX XXXX and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts 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

I  XXXX   XXXX   XXXX  request the Consumer Financial Protection Bureau to intercede where  XXXX   XXXX   XXXX  is still carrying my PAID IN FULL account as a CHARGE OFF. I find this practice to be offensive to American consumers. We American citizens were never given a bailout like our national banks. When I paid off even the back interest,  XXXX   XXXX   XXXX  had to take the credit item from sub-standard to standard, and that in effect removes the Charge off status. This is a violation of  Rule 5000  FDIC and it does apply to the fair Credit Reporting Act. If national bank can have it both ways pertaining their abusive practices of FDIC regulations against FCRA guidelines, whats the point of individuals working their way back financially from a financial crisis they caused. This account should be upgraded to simply PAID IN FULL!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with many attempts to correct the late open accounts associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a many attempts were necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of these discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX  Balance Owed : {$4300.00} ; XXXX XXXX Balance Owed : {$530.00}.
Product: Credit card

I have been a customer of Capital One also known as Capital One 360 for 11 Years. I 've paid balances in full, always paid on time and I have a good credit score. I am confused as to why is it that I can ONLY get a credit line of XXXX- I started at XXXX, then XXXX now XXXX. I have other credit cards with a higher credit limit, and I have been with those agencies for far less time. Secondly, I have asked for my APR ( urrently currently 19 % ) to be lowered, only to be notified that I did n't qualify ; because there were no promotional offers at this time says, a supervisor at Capital One. 
If there were promotions, how is that I was n't notified by mail, call or email? 
There is something grossly wrong with this picture.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act all account list below, has violated my rights. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXXXXXXX**** Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

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: Debt collection

After reviewing my credit report I am seeing that Midland Credit is reporting an account on my report that is not mine.
Product: Mortgage

I had a reverse mortgage with American Advisors Group in XXXX, but they sold the account to another company, on XX/XX/XXXX, I received from them telling me the amount of the equity that I have on the house and I want to redo the loan, so I contacted them, but I told them that I want to do a conventional loan this time, they assigned the loan to someone named : XXXX XXXX XXXX and his licenced ID is XXXX they phone number is XXXX, he never talked to me about the loan I always be the one who called him to find out about the loan after I called him over and overabout the loan, he told me it was his manager who was on the loan and would processed the loan, I waited and waited, his manager has ever called me nor anyone else then I called XXXX XXXX again, thent he told me that loan was assigned to someone called XXXX, in the two week frame, I received a disclosure paper to sign which I did and returned to her, and never heard anything from her, I waited and waited, called and called, left a message and message to her, still no response from her, after I wait so long with no response, I called the customer service department explaining the situation asked to talk to Mr.XXXX manager and the customer service department representative told me that she would email him regarding the matter, he never called me nor emailed me regarding the situation, but after several weeks, I received a voice mail by someone called XXXX telling me that she is on the loan and she just wanted to introduce herself to me and she wanted me to call her which I did, when I talked to her she seems to be nice and we had nice chat, she told that she was sorry but she would review everything and in the couple day she would call me, she never did but every two weeks I have called her and any time I call her, she told me the same thing by saying in the couple day I would called you she never did, I called her four separate time two weeks apart frame, she kept saying the same thing, I am really tired of it, that cause a great harm because if they told me they could not do it, I could contact another company, even now I know what is going on, it has been six month since this transaction started andit is on that, I am filing this complaint today
Product: Credit reporting, credit repair services, or other personal consumer reports

showing error on my credit reports listed : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a " collection '' account reporting to Equifax. XXXX XXXX XXXX VA XXXX. I sent a certified letter to the collection agency ; which they did not bother to respond to. I got an email from Equifax today saying the company confirmed with them the amount is correct. I do not have an account in collections with them. They have no right to report this and it seems the credit bureau is " taking their side '' as well as blatantly ignoring the FCRA. I want this deleted from my report. Anyone with a XXXX grade reading level can see the information is wrong. It says I opened the account in XX/XX/XXXX but that my first delinquency is in XX/XX/XXXX. Clearly, that is fraudulent in itself.
Product: Student loan

I have a student loan from Navient to pay for my student expenses from XXXX College where I received an XXXX degree in XXXX  and XXXX. I have paid this loan diligently for years. In XX/XX/XXXX I started to make large payments to this loan so that I could finally pay it off. However my loan balance does not reflect this. My XXXX XXXX loan balance was {$57000.00}. I paid a total of {$23000.00} from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX yet loan balance on XX/XX/XXXX was {$41000.00}. I asked Navient why my balance did not reflect my payments and they sent me a confusing response that I did not understand, about prime numbers and fixed variables. On XX/XX/XXXX my loan balance was {$41000.00} and the next day when I checked on XX/XX/XXXX my loan balance was {$41000.00}. Which means my loan balance had increased by {$17.00}. When I queried this, they were vague and confusing, letting me know the percentages of my loan interest, which incidentally did not gel with mine. 
On the XXXX of XX/XX/XXXX and on the XXXX XX/XX/XXXX I noticed I was charged a total of {$51.00} by Navient for something called a Loan Sale. I queried them about this and as usual they gave me a confusing response that I did not understand. However they insisted that my loan was not sold.
Product: Mortgage

I had a mortgage with New Rez ( loan number XXXX ). I got an offer to refinance my mortgage with New Rez. I closed on the refinanced mortgage on XX/XX/2020 XXXX new loan XXXX ). On XX/XX/2020, New Rez debited {$1700.00} from my account for the old mortgage, loan number XXXX. The old mortgage was closed, so there is no indication of the {$1700.00} or having a credit. It also doesn't show up on the new loan. In addition, the loan was showing as paid off based on the amount submitted in the closing. My {$1700.00} is showing up nowhere and I have not received any of that money back. Since XXXX, I have called repeatedly and emailed using their customer service email. I have had no success in getting this issue resolved.
Product: Payday loan, title loan, or personal loan

Hi Santander ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX XXXX for 30 days. 


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

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX, XXXX Creditor Name : XXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXXXXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXXXXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

The companies are stating they got verified information this account is valid. I ask for proof of information over the phone and the letters and no proof that this account is mine or nothing was never sent to my address on my credit report.
Product: Credit reporting

My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA.
Product: Debt collection

XX/XX/year> {$470.00} Remove the collection for my report. 
By me
Product: Credit card or prepaid card

I purchased a couch from our van at the end of my one year of payments they tried to hit me with interest and they charge me too much money I overpaid and they wont refund my money
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including a copy of my signature or electronic signature, for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be classified as the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

Under the FCRA, Equifax is required to investigate these disputed items and take appropriate action, including deletion or blocking, within XXXX business days of receiving this letter, as outlined in FCRA 605B ( a ). I have enclosed copies of the relevant FCRA sections for reference. 

Please acknowledge receipt of this dispute and provide a written response detailing the corrective actions taken. Failure to address these disputed items in compliance with the FCRA will leave me no choice but to pursue further action to protect my rights.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. I'm never been late on this account : XXXX XXXX XXXX. Also, I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Credit card or prepaid card

This communication is in regards to the following transactions on my Wells Fargo Visa credit card account. 

XX/XX/XXXX - {$5.00} INTEREST CHARGE ON CASH ADVANCES XX/XX/XXXX - {$15.00} CASH ADVANCE FEE XX/XX/XXXX - {$310.00} JPay Money Transfer XXXX FL On XX/XX/XXXX a payment was made to XXXX to fund an inmate account. During that transaction, I was asked to accept payment terms with XXXX, which I accepted. In those terms, I agreed to the following term : " 10. OTHER CHARGES. XXXX  is not responsible for any fees or charges that may be imposed by the financial institution associated with your Payment. For example, some credit card issuers may treat the use of your credit card to purchase the Service as a " cash advance '' rather than a purchase transaction, and may impose additional fees and interest rates for the transaction. JPay is not responsible for any non-sufficient funds charges, chargeback fees or other similar charges that might be imposed on you by your bank, credit card issuer or other provider. '' Based on this description, it appears that credit card companies are treating these payments differently, some as purchases, others as cash advances. Wells Cargo Mastercard treated this transaction as a cash advance. I contacted Wells Fargo via Chat and they instructed me to contact the Customer Advocacy Department at ( XXXX ) XXXX. I contacted that phone number and spoke to XXXX. XXXX would not supply a customer ID or any other identifying factors, so I apologize for the vague details on him. XXXX explained multiple times that I accepted the terms of agreement and cash advances are a legitimate charge, along with the interest that was charged. Despite all monthly statements being paid in full and on time every time, cash advances incur their own interest rates. I contested that the transaction was not a cash advance, and felt that it was a purchase with JPay. XXXX continued to express that XXXX was at fault and I should speak to them. To his surprise, I pulled our their transaction statement that indicates that the card issuers are determining what they want the transactions to be and that I had no way of knowing before the transaction that Wells Fargo Visa would be charging this as a purchase or cash advanced. I asked XXXX for details on this transaction that caused Wells Fargo Visa to determine that it was a cash advance. In the call, he stated that he would not share that information. He pointed out to me that the Description in the transaction field on the card says " Money Transfer. '' I explained that any purchase can have any description, but the consumer doesnt control that. The consumer only knows what they agree to during payment, which indicates that the card issuer may be the one to determine that. 

This transaction feels that it could be representative of predatory lending. Fees and interest are being charged to a consumer group that is usually in financial hardship due to being incarcerated.