23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo sent me a letter telling me I met all the requirements to have the PMI taken off of my monthly payment and to give them a call. I gave them a call and the guy explained to me yes, and it is a program they have, and talked to me for about 15 minutes explaining all I have to do is have an appraisal done or something called a BPO, and I would save hundreds of dollars per month. He said I was wasting money with the PMI and I could be saving that money, instead of just throwing it away. I felt this was an answer to my prayers in the wake of the global pandemic of COVID that is happening right now. He said they would send me another letter explaining about the BPO and the appraisal. I waited for a little over a week for the letter that was supposed to help me. The second letter I received said something total different and to pay over {$6700.00} to have it removed. I called them to speak to someone to see what was going on, and the lady said, oh the man told you wrong information, and we have to do an investigation, but you can not get it removed without paying us the money there. They lied to me, very deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off ... the balance being reported as of today, XXXX with all three credit bureaus is incorrect. It states my balance is : Real Estate XXXX XXXX Last reported : XX/XX/2018 - {$120000.00} You stated on the response to my complaint : For your records, we are confirming that your principle mortgage balance as of XX/XX/2018, was {$120000.00}. 

*This needs to also be fixed with all the credit bureaus. 

I was to receive an email first regarding the information found by XXXX XXXX after speaking to him on the phone. He advised me that he would CALL me back.

Per all three credit bureaus ... they can not change my credit score per my VA mortgage loan through XXXX. This was told to me on the phone several times with the credit bureaus. Freezing nor not reporting after a complaint is a direct violation and shows once again ... retaliation on part of XXXX since this complaint is directed to XXXX, not XXXX. I have never heard of such a thing, yet only a handful of payments have been reported since opening my VA mortgage loan. 

Per letter from XXXX the final payments had been paid by XXXX as a means to close the forbearance loan. This after XXXX representative, XXXX XXXX misguided me and in turn, XXXX did find XXXX XXXX XXXX negligent. I was also told that my payments would then start reflecting on my credit per month as I have been paying per month, that also included my credit score. I only show 4 payments ... most recent payment for XX/XX/2018 being shown per all three credit bureaus. I do not see one time any increase within my credit score on a VA loan that I have continued to pay monthly.

A mortgage loan should be one of the most single loans that can help increase your credit score. I have paid my payments on time ... yet it does not reflect any points per all three credit bureaus. This would appear to anyone to look as if I am in a rental ... no reflection of helping my credit at all. 

Retaliating against a Veteran .... when filing a complaint, ANY COMPLAINT, should be known to all those who hold a loan with XXXX, as well if connected with XXXX. 
BUYER BEWARE! 

I will continue my complaints until this gets resolved. You may also want to contact each credit bureau on how reporting increases within each loan for consumer credit score works as they advised me on several occasions that the only ones who can change credit scores is the reporting creditor. On my VA mortgage loan that would be XXXX or XXXX. 

It did not take, but less than 24-hours for XXXX to fill out a form and submit to have my VA mortgage loan information corrected. Retaliation by you stating you will freeze any reporting for 2 months by my complaints to the CFPB is just that ... another retaliation. 

The next complaint will clearly show you the correct way that creditors report monthly payments. As XXXX XXXX has done with my loan for years. 

Sincerely, XXXX XXXX 17 year XXXX Veteran
Product: Credit card or prepaid card

there is a invalid charge on my cc which i donot recognized charged without my authorization and without my knowledge and fraudulant and cc refuses to remove this invalid fraudulant charge from my cc and continue to acumulate interest charges on this purchase and made a big debt amount on my cc.
Product: Checking or savings account

This is the third time this year that my checking account was hacked. First time happened back in XXXX of 2023 then the second time happened back in XXXX of 2023 and the third time was today XX/XX/2023. M & T needs to improve their security because the same account shouldn't been hacked 3 times within a 6 month period. I have multiple accounts with M & T including a business account and next time my account gets hacked I'll be taking my business somewhere else.
Product: Credit card or prepaid card

XXXX XXXX opened an Apple Card account and placed in their " XXXX  '' electronic portal and is charging my XXXX  subscription to the account, bypassing the XXXX XXXX  account I established to pay Apple. On XX/XX/2020 I contacted Apple. " Apple Card : I never signed up for an Apple Card. I do not need another credit card. I have a XXXX credit card that goes with my Apple account ''. I am being pushed around between Apple and Goldman Sachs the card issuer. I have a trail of messages in which I made two request have the Apple card terminated. I paid pass bills via a check and requested termination of the account. XXXX XXXX XXXX charged the XXXX account and the Apple account. XX/XX/2020 I filed a dispute with the merchant Apple. I can not get the Apple card removed. The Apple Card is all electronic. I do not know the account number. I have no control of the card. I am requesting CFPB investigate the practices of Apple and Goldman Sachs. To repeat I never applied for an Apple Card. I never signed any documents agreeing to use Apple card. This is fraud in my book.
Product: Credit card or prepaid card

I made a purchase for a XXXX XXXX XXXXXXXX for {$97.00} using my Capital One Plantinum credit card. The purchase showed up on my statement as grocery from *XXXX XXXX MD XXXX XXXX XXXX After not receiving the merchandise I made a dispute through my Capital One credit card. I was then notified that the merchant had responded and the charge was added back to my credit card. I then contacted Capital One and was told they would send me a letter requesting additional information. I attempted to contact XXXX on XX/XX/XXXX to get information on the purchase however they refuse to assist me and told me I needed to go through my credit card company. Today, Friday XX/XX/XXXX, I received the letter from Capital One stating I needed to provide additional information and also had a copy of the information from the owner of *XXXX  XXXX MD XXXX USA on XX/XX/2020 XXXX which showed a response saying My account was hacked. I am NOT the seller. XXXX is aware and put a block on my account and I have a claim number. I do not sell anything. My local police department has a report as well. After reading this, I contacted Capital One. I was on the line over an hour and a half, the 1st agent stated he was sorry, they do see the response and would ensure it was cared for but again, asked me to provide additional information. I reminded him, I do NOT have anything, no email, no confirmation, no merchandise, or anything I can provide and eventually asked to escalate the call to a manager. She left me on hold to review the account only to tell me I needed to contact XXXX. I explained that I had already done so and there was no was to get to an actual person. I personally had to create an online account to speak to someone using chat. She then attempted to get someone on the line through XXXX to no avail. She returned to the line only to tell me Id have to contact them. I told her I was not speaking to anyone else, I have spent a month trying to resolve this and obviously no one wants to take care of it and I also informed her that I would be filing a complaint through CFPB and hope to get a better outcome since Capital One and XXXX are not willing to take care of this for me.
Product: Credit reporting or other personal consumer reports

I've contacted both companies on several occasions in regards to the open accounts as well as the occurring charges that are destroying my credit. I was not provided any information nor an was an investigation was conducted, Please assist. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Ability Recovery Service XXXX XX/XX/XXXX XXXX XXXX USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 1028A - Aggravated identity theft
Product: Mortgage

NationStar purchased my loan XXXX 2014 from XXXX. My automatic payment was due to XXXX on XXXX XXXX and my loan did n't transfer to NationStar intil XXXX XXXX, so I thought I had until XXXX XXXX to make a payment. I received a vague notice of the transfer with information about how to log onto NationStar 's website, but it did n't work. So I thought I had time and I 'd try back. On XXXX XXXX, by certified mail, I received a pre-foreclosure notice from NationStar. I called and got it straightened out and about 10 days later I finally received the introductory letter and payment information that I should have received LONG before any pre-foreclosure notice. I could fill a book with other NationStar mishaps. The most recent ( and last because I 'm refinancing ) is a notice telling me that because my Homeowners insurance was lapsing, they would purchase insurance for me at MY expense. I did change insurance companies, but both my new insurance company and I notified NationStar about the change. I did n't receive a call from them until they received a payoff request for the loan and THEN they wanted to offer me other products to stay. You could offer me 0 % and I would say NO THANKS! Ca n't wait to be done with NationStar!!!
Product: Debt collection

Being contacted and it has been reported on my credit report that I owe money to a company named XXXX XXXX. I do not know what this is I do no owe this company money. I sent a letter to Allied collections telling them this and asking for them to provide a signature proof that I owe someone money. They have not responded or provided any proof of signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of their actions.
Product: Debt collection

I have an unverified account from HSBC BANK NEVADA. I had previously disputed this account. I have never done business with HSBC BANK NEVADA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HSBC BANK NEVADA provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HSBC BANK NEVADA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

Experians Noncompliance with FCRA ( 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), 1681c ( c ) ) I am filing this complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes regarding inaccurate information on my credit report. Below are the details of the actions I have taken and Experians responses : XXXX. On XX/XX/year>, I sent a dispute letter to Experian regarding inaccurate information on my credit report. I included documentation supporting my claim and requested that the information be investigated and removed if it could not be verified. 
XXXX. On XX/XX/year>, I received a response from Experian that did not include sufficient evidence to verify the accuracy of the disputed information, nor did they remove the inaccurate data. 
XXXX. On XX/XX/year>, I sent another dispute letter reiterating my concerns and requesting verification of the disputed information. Experian failed to provide any further documentation or take appropriate action to correct my report.

Amounts and Impact : The inaccurate information included balances of {$28000.00}, which are incorrectly reported as past due, charged-off, or not mine.

This has negatively affected my credit score, which dropped by 50 point after these inaccuracies were reported.

Failure to Comply with FCRA : Experian has : 1. Failed to conduct a proper investigation, in violation of 15 USC 1681i.

2. Continued to report inaccurate information without verifying its accuracy, violating 15 USC 1681e ( b ) and 1681s-2.

3. Failed to remove outdated information that should no longer appear on my credit report, as required by 15 USC 1681c ( c ).

I recently became aware of the CFPBs lawsuit against Experian for sham investigations into consumer disputes. My experience aligns with these allegations, as Experians responses to my disputes have been inadequate and dismissive, failing to correct clear errors.

Resolution Sought : I request that the CFPB investigate Experians handling of my disputes.

I request Experian conduct a proper investigation into my disputes, provide verifiable evidence supporting the disputed information, or remove the inaccuracies from my credit report. 

Thank you for addressing this issue. I trust the CFPB will take action to ensure Experian complies with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX 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 was denied of buying a house due to incorrect information reported on my credit report as of XX/XX/2023 2023
Product: Credit card or prepaid card

Card.com blocked one of my cards due to third party transfers in a family members name in or about XXXX. I never used the card again they eventually shut the card down perminantly and on XXXX my EIP STIMULUS PAYMENT WAS SENT AND INSTED OF PUTTING it on my other card or sending me a new card they put it on the canceled card and even went as far as taking their monthly fees out of the money I didn't know where my EIP MONEY went to when I checked the where's my payment tool on irs.gov I didn't recognize the account number I came across the paperwork for the card yesterday and saw the account number and checked the app for card.com and saw the deposit there and contacted them and refuse to give me my money I hope you can help me get my EIP I seriously need that money
Product: Credit card or prepaid card

Account with US Ban k Visa card.I canc elled the card and paid the balance due.   After the account was canceled, they accepted a charge on the card from a high school reunion site I had visited in the past.I called and complained to US Bank, but they were no  help.The total charge was only {$15.00} ; since US Bank was no help I just paid the $  XXXX .Now they are sending me bills for late fees every month for a bill that they accepted on a cancelled credit card and that was even paid because they were no help.I have contacted the company numerous times in the past few months-with NO help from them.My cur rent bill from them says I owe {$36.00} ( due  XXXX   XXXX  ) in late  fees.HELP.This same company tried charging me on car loan that was paid off earlier this year.Please help.This is the most unethical bank I have ever dealt with, and I am not a young guy.
Product: Checking or savings account

I would constantly Wonder where my funds were going. I knew there was no way that I would spend as much that was coming out of my account. I would go in check my savings check my my checking and I would not see any sign of where the missing money was. Until recently when I started to notice transactions like this XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX payments XXXX XXXX XXXX XXXX XXXXXXXX. Now I know the XXXX merchant ID varies from XXXX to XXXX but I use it as an example as to how merchant IDs can be confusing and the nefarious ones can go unnoticed. I put my money with Wells Fargo because they were supposed to put protection on it I paid them monthly to do this they use my money to give out house loans car loans student loans that they could not protect my account. I've been caused undue stress made homeless and soon enough he'll have to sell the only thing I have left which is my car to survive.
Product: Debt collection

On XX/XX/2017 I changed my wireless mobile provider from XXXX XXXX to XXXX XXXX XXXX. When I left XXXX wireless my account was in good standing with {$0.00} balance owed. Several months later I received a bill from XXXX XXXX in the amount of over {$1200.00}. When I called XXXX XXXX and attempted to find out what this bill was for, no one could figure it out and stated to me they arent sure. I advised them that I was not sending any payment to them unless they can clearly explain to me what the bill was for, because I confirmed via telephone with a XXXX XXXX representative when I made my last billing cycle payment that there was absolutely nothing left else I owed ( hidden cost, termination fees, etc. ). But he insured me that there was nothing else. For a few more months I attempted on multiple phone calls to them over and over again to find what this bill was I received for more than {$1200.00} but every time, not a single person understood it and was not able to explain anything at all to me. Eventually they sent it to collections where it still remains and continues to hold my overall credit score down. After a few months of it being in collections I went to a local XXXX XXXX corporate store and went over the bill with a manager there, who was the first intelligent person to figure out what they were looking at and explained to me it looks like XXXX XXXX continued to bill monthly cycles under my account, even though the account was terminated the day I switched to XXXX XXXX XXXX. How do you bill Someone for months that isnt even no longer a customer? This is a huge mistake on XXXX part and because of their negligence, my credit has been severely damaged! I cant even talk to someone with XXXX XXXX to have them straighten it out since its there fault, because they told me they no longer hold the account, and that the collection agency ( Jefferson Capital ) now holds the information. And when I called Jefferson capital to notify them that they were sold a bogus account from XXXX XXXX, they advised me there is nothing they can do for me and just kept asking me how I want to pay it? I told them I was not paying anything because there was no debt in the first place. I need this matter to be deleted from my credit history and wiped clean immediately. This has been so unfair and has really caused a lot of headaches financially for me.
Product: Student loan

Each and every year, I need to resubmit paper work to my student loan servicer to requalify for XXXX XXXX XXXX ( XXXX ). At least twice in the past, the servicer has either not filed the paper work in a timely manner, or completely lost it. This has resulted in interest being capitalized onto my loan. The first time it happened ( they lost or forgot about my application ) I called customer service, and they reversed the capitalization. The second time, last year, they were given the paper work in time ( more than 10 days ahead of the due date ), but did not process it in a timely manner. This resulted in interest capitalization onto my loan. I called customer service, and was not able to get any help at all. They would not even listen to my issue. I then sent a letter, with proof of my timely submittal, but I have not heard any response. 
Not only is the capitalization an extreme burden to me trying to pay back my loans, but each time XXXX does not process my paperwork in a timely manner, the actual terms of my loan are reset to essentially zero. All of the work I had done in the past to keep things straight and on time is ruined, AND they get to charge me more for the loan. It's almost as if it is in their interest to not file my paperwork on time. It makes them more money.
Product: Debt collection

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2020 Action : I tried to connect my PNC bank account to my XXXX investing account. There is a problem on PNC 's end that is preventing me from transferring money into my account.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$20000.00}