23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a mortgage that was being paid by myself and Spouse. He XXXX in XX/XX/XXXX. I continuing to pay mortgage and after refinancing loan ( XX/XX/XXXX ) to fix immediate problems, it increased my loan by XXXX a month. In XX/XX/XXXX, I lost full time job. I went back to bank to return monies and wanted to do a loan modification, they would not! I predicted then, my credit would be ruined and I could lose my house ... In XX/XX/XXXX, I begged them for another loan modification and did not qualify, despite my XXXX? I had told them that from the beginning and ended up losing a total of three full time jobs because employers would illegally found out about my open Workers Comp claim. Because my injuries are considered a catastrophic condition, a Judge ruled my medicals could never be settled. I have been fighting this case since XX/XX/XXXX and continue to do so today ... In XX/XX/XXXX, I again between my mortgage, private insurance and meds WC would not pay for, my expenses exceeded XXXX a month. So in XX/XX/XXXX, I again begged for the bank to help me, after awhile they indicated the XXXX XXXX. had a HARP program and I filled out paperwork, with many problems. Some of the documents were faxed 2, 3, 4 times, that I had to start a 2nd loan modification in XX/XX/XXXX. The bank continued all along in taking my house and a Sheriff Sale was in effect for XX/XX/XXXX. The bank would not wait up for their other department to process the loan modification, I begged and pleaded. The lawyer I hired was no help, while he was on vacation, I contacted the lawyer in XXXX and took money out of my settlement/medical account. to pay mortgage and showed good will. I told attorney that I had wrote letters and had filed XXXX XXXX Complaints. The 1st complaint was filed XX/XX/XXXX and I still have not received a response from this complaint. On XX/XX/XXXX, I decided to spend extra time at my fiances house for XX/XX/XXXX. I came home XX/XX/XXXX to find my house burglarized and a note on the door that my house was " vacant '' I reported this to the XXXX XXXX # and my police. The XXXX XXXX XXXX told me that a XXXX XXXX was in my house, the police gave me another name, XXXX XXXX XXXX. A women returned my call from the XXXX XXXX XXXX and I told her about the missing items, he was all through my house, etc. When I called her again, with the police report, she never has returned my call, but forwarded it to the Chairman of the Board Office, of CITIZENS BANK, my lender! I talked to XXXX and was glad to talk to her and explained problems from the beginning of the loan, and if customer service department and foreclosure dept exchanged information, I would not be in this situation! I tried myself to negotiate what fear I had, let alone the missing, broken items in my house! They have not backed down ... There is sooo much more that has happened, can you please help me?
Product: Credit reporting or other personal consumer reports

Experian has definitely failed to fulfill legal application under the fair credit reporting act to conduct a reasonable and reinvestigation dispute for any information that is inaccurate.The consumer financial protection bureau has found a lawsuit against experiment. Alleging issues such as failing to forward consumer provided evidence accepting unreliable responses and failing to notify the consumer of the dispute outcome.
Product: Checking or savings account

Our 2 year CD expired XX/XX/2020 with branch closed due to corona virus. I called XXXX number and was assured bank default policy was to renew CD for the term of the expiring CD at the then current rate. I assumed the CD was renewed. At my next statement XX/XX/2020 I found out the CD was not renewed and placed in a regular savings account with minimum interest. I went to the branch manager to have the mistake corrected and he would not renew the CD for the rate in effect in XX/XX/2020 and make the interest payment retroactive to that date. He claimed the bank error could not be corrected, he could only open a new CD for the amount now in the account, without crediting for interest that should have posted since a XX/XX/2020 default renewal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just became aware that this debt with XXXX XXXX XXXX is still showing as a " collection '' item in my Experian and XXXX  credit report. I am trying to purchase a house and this incorrect reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( Experian, XXXX, and XXXX ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.
Product: Debt collection

I called them and they could not even verify my address. Asked them to send me a wet signature of any information from me that identifies this debt is mine and it is still on my credit report with no information from them. I want this resolved immediately because giving them 30 days is not acceptable when they never verified that this is my debt because it is not. I want this removed from my credit report immediately. It is not my debt and is making my credit score horrible. I disputed the information with the credit bureaus and they have yet to remove anything.
Product: Vehicle loan or lease

On XX/XX/XXXX I sent in a response letter to Toyota Motor Credit in response to my consumer complaint. After looking over my consumer report I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt become null and void. 

Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued hereunder, other wise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting or other personal consumer reports

My correct Name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX There should be no other name or address on my credit report besides the Stated above. Any other name or address on my credit report is either old, Incorrect, fraud or identity theft.
Product: Vehicle loan or lease

I initially took out the auto loan in XXXX. I called to ask if they could change my due date because the date they gave was before my pay period. They responded they don't do that. In the fall of XXXX I missed a payment due to a tax bill. Every payment afterwards has been on time. I have payment arrangements that i have kept to the day. XXXX and XXXX of XXXX I sent letters requesting to remove late charges thru my credit repair due to all other payments were on time. I received a letter back from them stating that my request was frivolous and irrelevant. I called on XX/XX/XXXX to ask if I have any options available like deferment and I was advised no, they don't offer anything to help you get back on track. She offered to send a request to the credit dept. to dispute my request and I told her that I had done that already which was why I was calling. I advised that I received the letter from them stating that my request was frivolous. She apologized and ended the call. This company only receives payments. They don't do anything to assist the customer if they have payment issues. Because my payments keep getting reported late, my credit score can not recover. Therefore, I can't refinance my loan. So basically I'm screwed because i can't afford the extra payment to stop them from reporting the payments late every month. Had I known that they don't offer anything to help their customers I wouldn't have taken the loan. It's basically set up to cause you to fail and be stuck in a loan that benefits no one but them. They refuse to offer any option to help the customer at all even though you advise that you are struggling, but willing to continue payments but need a little help. They do not operate like the average finance company that will offer you some form of assistance to keep you on track. They should not be allowed to get away with doing this to people. I will never be able to get my credit on track if this keeps up.
Product: Credit reporting

I demanded validation and proof of the alleged account labeled XXXX no reasonable documentation was given to me and this account has still not been validated. i demanded physical contractual proof between me and this company and none was ever presented experian refused to reinvestigate without having validated this to begin with. i do not have a contract with this company and never will and want this removed from my credit report it has been removed from transunion due to lack of validation already
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting this creditor to remove this inaccurate information from my credit report and i have tried to dispute it several times. I have gotten nowhere, this account isnt mines and i have no knowledge of this inaccurate finding on my credit report.
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. 

XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : Reference # 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: Debt collection

JEFFERSON CAPITAL SYSTEMS TOOK OVER A XXXX XXXX ACCOUNT THAT WAS REPORTED TO BE OPENED ON, XX/XX/2021 WITH AN OUTSTANDING AMOUNT OF {$2600.00}. I HAVE TRIED TO CONTACT XXXX AND THEY KEEP ASKING ME TO SUBMIT A FRAUD PACKET. I SHOULDN'T HAVE TO SUBMIT ANYTHING CAUSE I HAD SENT OVER DOCUMENTS STATING " SOMEONE STOLE MY IDENTITY. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a cell phone account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a credit card opened at XXXX XXXX  XX/XX/XXXX Account number ( XXXX ) a credit card account opened at XXXX XXXX on XX/XX/XXXX Account number XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

Wells Fargo closed my checking account without my consent and without notice. I had a XXXX balance for about XXXX months. I went to make a deposit XXXX months and a few days after XXXX balancing the account, and the atm did not work. My account had been closed. I had direct deposits set to this account. I had student loans paid from this account. I emailed and called WF but they refused to reopen the account. They lied to me and claimed to have mailed a letter to my home warning about the imminent account closure. I did not receive any such letter. However, they happily offered to open a new account for me loaded with fees. I will never do business with those XXXX again.
Product: Credit card or prepaid card

I did not receive a statement and so Discover is charging me a late fee. Since receiving the statement the coronavirus has taken big hold in our beloved country. The coronavirus has caused me to be unable at the present time to pay the monthly Discover bill and so I asked for forbearance until the coronavirus is under control. I am over 70 years of age and have serious undying medical problems, including XXXX XXXX XXXX and treatment for XXXX XXXX. I am high risk, according to Vice-President Pence and his White House task force. I ask for temporary suspension of billing! It would be cruel indeed for Discover not to agree! Nor may Discover cancel my account!
Product: Credit card or prepaid card

I have a lot of debt with ca pital one credit  card company and it 's destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is that I am getting turned away for credit because of public records. When I click to see what the public record is it says there are no public records. There are accounts that are more than 7 years that are in collections and the collection companies still have them on my report I dispute it and another one takes over and its back on the report. Also I used XXXX XXXX XXXX and XXXX account Management to settle these debts. They took my money but I still have these debts still on my account.
Product: Prepaid card

In XXXX XXXX, we had a refrigerator die while we were out of town. We had extended warrantee coverage through XXXX, who covered the cost to replace the refrigerator ( ~ {$1800.00} ) and the lost contents ( {$260.00} ). To resolve this coverage, XXXX sends the money to Bank of America, who issues me prepaid debit cards. I did not ever activate the cards and they were displaced for awhile during some construction we were doing. I never noticed that the cards had different expiration dates : one of the cards expired XX/XX/XXXX ( {$260.00} ) and the other expires XX/XX/XXXX. I went to use the cards yesterday and found that one of them did not work - the one that expired XX/XX/XXXX. 
When I called B of A, they advised me that once this particular card expired, the account is close and the monies are forfeited. There was no notification sent to me advising that the card was about to expire and I would forfeit the funds. There is small print on the card that advises of this policy, but it is on one card and not the other. BofA never contacted me about the cards being received or why they had not been activated. This is all information they would have in their databank. 
I can not imagine that this is legal. That a bank could take money ( which does not expire ) from XXXX, and send to me in a form that expires, whereupon the bank can keep the money. It is akin to theft.
Product: Mortgage

Client was XXXX he is a veteran, while XXXX payments were being automatically withdrawn by his mortgage company. He all of a sudden received a letter saying his loan was going to be foreclosed due to non-payment. He was still XXXX did n't have the resources or time to fight this issue so filed bankruptcy to save his home. He was paying additional to the loan, but still has a delinquent amount of over {$22000.00}. He has been trying to work with his mortgage company but then his loan was transferred, so he continued to try and work with the new mortgage company. They both keep sending him back and forth to get one to investigate and fix the issue, but neither are looking into it and do n't see a problem and nothing has been resolved.
Product: Debt collection

XX/XX/XXXX & XXXX, XXXX I had " Cancelled '' the loan in question due to many, many errors regarding the loan within the XXXX day period and was acknowledge by XXXX XXXX XXXX in writing per the attached documents dated, XX/XX/XXXX & XX/XX/XXXX, requesting us to sign new loan documents. XXXX XXXX XXXX, XXXX XXXX XXXX and now Fay Servicing documents are back dated ; altered ; wrong loan numbers ; XXXX illegally signed by Notary ; Adjustable Rate Note page XXXX has "? " ; Good Faith Estimate was for a VA Loan for XXXX years NOT a first and second ; reasons why I cancelled. 

See attached XXXX and Error Resolution Notice Under 12 C.F.R. 1024.34, dated XX/XX/XXXX and XXXX XXXX XXXX dated, XX/XX/XXXX, and as of today 's date NO response from either XXXX XXXX or Fay Servicing with the XXXX  days per RESPA. 

XXXX - Tried to refinance with XXXX XXXX XXXX XXXX and like the previous years could not get pass the Title / Deed XXXX - Tried to refinance with XXXX XXXX XXXX and like previous years could not get pass the Title / Deed process. 

So how can Fay Servicing Foreclose on a Title / Deed that is illegal? 

The Government has fined each one of these servicing companies for violations that are still going on : XXXX : US District Court for the District of Columbia XXXX XXXX No. XXXX XXXX XXXX XXXX : US District Court Eastern District of New York XXXX XXXX. XXXX Fay Servicing LLC : XXXX CFPB Administrative Proceeding XXXX No. XXXX The following are CFPB Complaints : XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX- XX/XX/XXXX : XXXX Fay Servicing - XXXX : XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Trans Union : I was lucky to get a copy of my XXXX and XXXX credit reports through a mail request. Trans Union has never mailed out to me a credit report. I am respectfully requesting my Trans Union credit report, even if I need to pay for one. 

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

On XX/XX/31, I applied for and was approved for an {$800.00} loan. When applying, the rep asked me for my full debit card number, including the security card. We then had to call the bank to verify my account, including the total available balance ( which I thought was kind of odd ). I should have gone with my gut. 

That night, an unauthorized charge for over {$300.00} at XXXX was charged using my debit card. Right away, I called my bank to cancel my card and get a new one reissued. Overnight, another charge tried to go through for {$500.00} for some airline tickets. Coincidence that the total was {$800.00}? I don't think so. 

Looking further into it with XXXX and the airlines, the name of the person using the card was the same as my rep and the area was where she lived. 

I emailed all this information to XXXX XXXX but they have yet to respond. I am looking for compensation for the fraudulent charges and/or my loan forgiven for the hassle.
Product: Debt collection

I have never had XXXX and recently a bill showed up on my almost perfect credit report as in collections, I tried numerous times to reach out to the collections agency and file disputes for the item, and both types of attempts failed. I then gave in because Im trying to buy a house, to settle the debt to have them remove it from my credit report. Waypoint Resource Group made me pay the money even after I told them it was not my debt and knowing that they were not planning on removing it from my credit report. It is unfair that a debt that is not mines is negatively affecting my credit report and I would really like it removed. PLEASE HELP!
Product: Money transfer, virtual currency, or money service

Multiple transactions were charged against the account I notice the transactions immediately and contacted cash app and they said I had to wait for the transactions to complete before they could do anything which I thought was very odd. The charges occurred in XXXX I have contacted them multiple times and they keep telling me they are being investigated it is two {$100.00} charges.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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