23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I reported to Experian that XXXX had reported incorrectly that my mortgage was foreclosed on. Experian reached out to XXXX ( Lender ) and XXXX  reported to them that the Loan was " legally paid off for less ''. However my credit report states since the dispute " resolution '' in XX/XX/XXXX that the mortgage was Foreclosed on. ( I will attach evidence of this ). 

Since XXXX I am a member of all the credit bureaus including Experian. Only until yesterday did my proof of sale ( not Foreclosure ) were accepted by Experian on the www.experian.com/upload site. 

I have invested hours upon hours to get this resolved and it is adversely affecting my ability to get new credit. I am also a member of Experian and called numerous times but they say it has to be XXXX to clean this up. I am at a loss. 

This report is specific to Experian.
Product: Debt collection

This year I have disputed this account multiple times with this company including other companies that bought this alleged debt in a portfolio. This alleged debt was already proven that I'm not responsible for this debt so it was deleted. This company never sent me any information to dispute this debt which I've already made my attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX aware of the situation. I know my rights and I'm tired of being taken advantage of.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXXXXXX  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

The problem is with PayPal cashback credit card. I was sent this credit card for both me and my daughter on XXXX. It was a replacement for lost cards. Representative " XXXX XXXX said that I would receive both new cards in 7-10 business days. He said it would be the same acct. numbers but different expiration dates. A new pin number will be sent under separate cover following this action. Both lost card numbers ended in XXXX. I received the replacement cards ending in XXXX sometime in XX/XX/2021. I never received the pin number. On XXXX XXXX I activated and registered this card with a Paypal representative who said that I had to have a new pin number first. She gave me a number to call it was a wrong number. To cut to the chase, I had spoken to several people who sent me on a wild goose chase. It all came to a close when I got to speak to a supervisor who said she will send a letter and a code to whoever and I should continue to wait for any response from Paypal concerning a new pin number. But she also said I could still use the cards as credit while waiting. I tried to make a purchase that afternoon, and was told by the merchant at the cash register my account was closed. Please assist.
Product: Checking or savings account

On XX/XX/XXXX Chase Bank closed my account. I am aware chase can close any account without previous notice or for no reason. However, is been 3 months since then and Chase has no given any information about the money that was in the account. They keep saying the {$5600.00} that was in my account is under review. But even thought I told them that money was all I had and that I needed as soon as possible, they havent sent any letter, or call trying to show they are actually review. There is no report at all about the review of this money. 

Why does the review is taking more than three months and you dont update the client about it? 

Please help me with this unfair position that chase Bank is having.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I submitted a dispute an account that's on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. 
XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

I have been researching and looking up my rights as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts, and I have the right to privacy. Please be reminded, no consent is identity theft. 1. FACTUAL DATA - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Student loan

Navient calls me and my cosigner atleast 8-10 per day. Since I stopped making my payments because they went from around {$360.00} to {$900.00} they have been callin gme non stop- suddenly I am also getting random calls from weird telemarketers. I noticed a correlation to an increase in calls form Navient when ever I answer one of these telemarketer calls right after, like immediately after. Its like Navient knows I answered so they will call. I have asked some of the telemarketers flat out if they are associated with Navient and they stall and say they have never heard of that company- American- english speaking costumer service reps! This morning I got a call from a FL ( where I reside ) - Navient has been calling from PA and suddenly I answered a telemarketer call last night from a FL # and now Navient is calling with a FL area code. I asked the Navient rep if he was in FL- he stated he was not- I asked him if Navient is now spoofing # 's and he said Navient has offices ' all over the world- I asked if they had an office in FL- he said he did not know. 

Aside from this I have communicated to Navient numerous times that I can not afford my monthly payment. They will then send me letters in the email saying they understand and I should call in so they can help me. I call in and they are no help- they do not lower my monthly payment. I provide my income and expenses and nothing! They do not take into consideration that I am also paying on my fed loans- havent had a raise in 3 years and made less $ this year. I shared all this with the agent who began to ask me about my career decisions- why havent I looked for a better job ( I have ), why havent I taken on another job- I would need 3 more to pay them the money they want- because I made mistakes when I was young and come from an XXXX mother that did not know any better. The agent explained even though I was on a low payment plan before it must keep increasing because the goal of the lower payment plans is to work you up to your full high payment- whihc I just canno do. They {$360.00} I was paying monthly was basically money thrown away - has not made a dent with my interest rates. I told them I can not pay what I do not have- they keep repeating they are helping me by giving me a low payment- and I keep telling them its not a lower payment if I can not afford it and it is an increase from the originally lowered payment I was alreay struggling to make. Everytime I get off the phone with them I am in tears. What did I go to college for? They harrass me day in and day out!
Product: Student loan

I applied for a private loan to cover tuition and educational expenses for the XX/XX/2019 spring semester. Discover denied me. I received a let ter stating I was denied because an item in collections appears on my report. After receiving the denial, I contacted Discover several times to review my denial. The item on my credit report is a medical bill. When I stated this, I was instructed to file an appeal. I completed the appeal and submitted a letter stating the item in collections is a medical bill and can not be included in the credit approval process. I have called several times to discuss this with the appropriate department but customer refuses to put me in contact with them. The department that oversees the credit decisions have pulled my credit report several times but has never spoken to me. The last phone call I made was yesterday, XX/XX/XXXX, and I spoke with a supervisor, XXXX. He also refused to have that department contact me and refused to do anything to investigate the situation. I told customer service and the supervisor that I feel discriminated against.
Product: Mortgage

I applied and was accepted by PNC bank for HELOC. When I am ready to draw the funds from the HELOC they will not honor the rate shown on PNC 's official website calculator. The PNC customer services state the rate shown on their website is for new customers only and since my application has been approved, I am no longer a new customer. I felt they use the bait and switch method to get clients to sign up and then not offer them the best interest rate as advertised. PNC is not being transparent and upfront about their rate and did not disclose all the proper important information to their employee and their client. When I spoke with PNC bankers who specialized in HELOC, they were not aware of the difference rate between new and old clients. I just sign up for HELOC and have not drawn from the account yet so I should be considered to be a new client. From the date, my application was approved to today PNC is never upfront and transparent about the monthly payment, they want me to draw from the fund and finish the paperwork then wait one month later then I will be able to know the monthly payment. 

I signed up for a {$700000.00} HELOC on XX/XX/2022. 

PNC never disclose to me that the best interest rate is on the day of my signature which is the one and only day PNC will consider me as a new client. I have to learn that the hard way and this is something PNC local branch staff is not even aware of.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for Equifax and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

Equifax XXXX Hard Inquiry too be Deleted XXXX XX/XX/XXXX Equifax Fraudulent Soft Inquiries too be Deleted EQUIFAX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX XXXX XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX UP XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX
Product: Debt collection

I went through a terrible divorce, I was in an unfaithful abusive marriage and finally got the courage to leave. After starting out on my own I kept trying to get back on my feet, I was unsuccessful for a year and a half. I ended up homeless, jobless, and in turn car-less. I contacted the places I had credit through and tried to explain the situation, I had a medical bill due to the abuse, had maxed out my credit card trying to stay in horrid motels, etc. I have credit card debt, student loan debt, and a payday loan that I took out as a last resort. Most companies seemed to understand and assured me that they would n't put anything on my credit due to the 'natural disaster ' as it was put. I recently checked my credit report and it had since dropped XXXX points since this all began, in addition I now have XXXX XXXX XXXX ( cell phones ) and XXXX XXXX XXXX ( XXXX ) that I had with my ex-spouse, I guess he decided in this time, since it was in my name he 'd just rack up the charges and not pay them. Any time I contact any of these companies they are unwilling to help. My credit is completely ruined. I am barely getting by as it is now, but ca n't even obtain a small car loan because of all of this, luckily I found a house to rent from a private owner that went through an extremely volatile divorce as well. I was told to look into consolidation, but that would cost over {$400.00} a month for 4 years and would n't get rid of all of it, as far as my student loans go, I was told I 'm XXXX if they are behind in payments. I have to pay them up to date in order for them to help me.Three companies said they would help by not sending my accounts to collections but instead closed them and put it as 'charge off ' which I here is just as bad and will remain on my credit for the standard 7 years. It feels like this is a never ending cycle now. I can see why people stay in abusive relationships now because I left a negative for negative, I do n't see how XXXX is better than the other now.
Product: Debt collection

XXXX mailed Afni in XX/XX/XXXX informing no balance was owed and to close account. They said they would need 30 days. 

XXXX and myself called Afni in XX/XX/XXXX, informing no balance was owed and to close account. They said they would need to investigate if a correspondence was sent in order to release the account. 

Then, disputed the account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX through the 3 major credit bureaus. 30 days later, account remains open with Afni. Results of disputed charge remained open with Afni for {$830.00}. 

Called XXXX again, they confirmed account was closed and paid in full with XXXX however Afni has not responded to request to remove collection account. 

This account has impacted my FICO score negatively since XX/XX/XXXX, fighting this erroneous charge for a year unsuccessfully. 

Afni 's agents seem determined to not escalate to a manager for a closer review and are grossly unprofessional.
Product: Credit card or prepaid card

amex is refusing to honor veterans because XXXX wont do it and is conning people by the hundredfold. XXXX refuses to accept MIL ID, SSN, ACTIVE DL, PASSPORT INFO etc as valid us citizenship documentation and refuses to sync thier online info. 

bc of thier wreckless actions I am unable to open several thousand dollars worth of SECURED credit. 

I pay my bills have been slandered by others. I want an AMEX bc THEY issue and can replace the card, no nonsence XXXX. 

there is no other way to contact amex unless your a member or a XXXX robot. this is growing trend and is illegal. furthermore I demand thier fax info to prove my citizenship, which is more than XXXX will do.
Product: Mortgage

I closed on my home on XX/XX/XXXX with Freedom Mortgage Company and flood insurance was approved at {$140000.00}. The policy cost was {$1500.00} and this amount was disclosed on our Closing Disclosure form. The issue occurred when I received a form letter in the middle of XX/XX/XXXX asking for a copy of my flood insurance policy. It was a form letter, which felt like a scam because the website was not related to Freedom Mortgage. The website asked for personal information and it made me feel uncomfortable providing the information. I called Freedom Mortgage 's customer service to confirm this letter was genuine and asked why they needed a copy of my flood insurance policy. I was told the flood insurance coverage on my home was insufficient and needed to increase the coverage amount to {$250000.00}. This was contrary to the information I received prior to my closing only 5 months ago. I asked for the exact information for the flood insurance increase to be provided in writing, however Freedom Mortgage stated they were unable to give any letter in writing and the form letter was all they could provide. In essence Freedom Mortgage was forcing me to pay more money for my flood insurance, however I was not provided any personalized guidelines. The customer service was not very helpful and I have increased my coverage and can only hope it is sufficient. If I do not increase the coverage by mid XX/XX/XXXX they will purchase and flood insurance policy on my behalf. Freedom Mortgage was unable to give me an exact date when they need the increased policy completed by. Given the lack of information provided to me, I requested a manager. I was unable to be connected directly to a manager and put in a request for a manager to call me back within 24-48 hours. After my first call that occurred on or about XX/XX/XXXX I received no call back. I called again on the morning of XX/XX/XXXX and again I have not received a call back. In the meantime, I have increased my flood insurance policy and am awaiting the updated binder from my insurance company. However, given the lack of communication and guidance from Freedom Mortgage I have no idea if it is even correct. I can only hope it will be sufficient prior when I submit it to Freedom Mortgage so they will not purchase a flood insurance policy on my behalf. The updated policy cost me an additional {$310.00} this year, however it will be more when I need to update the policy for XX/XX/XXXX-XX/XX/XXXX. I feel at closing I was not properly disclosed and this feels like a bait and switch from Freedom Mortgage. The money is not incredible taxing but I wish I had this information prior to purchasing the home.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ).

Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
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 : XXXX XXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

I sent money to an individual on XXXX for some purses in the amount of {$110.00} on XX/XX/XXXX. After I sent the money she begged me for {$10.00} today on XX/XX/XXXX. I said no and she blocked me on XXXX but not before I asked for my money back. I contacted Cash App and explained what happened and they refuse to do anything to help me. 

I told CashApp she was a scam artist and sent multiple screen shots of our messages on XXXX. This is the first time it happened and Cash App should not be in business if they can not or will not help customers after they have been scammed. They are very conscending and obviously I am not the only one that this happened to. CashApp had the audacity to tell me to stop sending screenshots of similar complaints and I would not because it proves that they should not be in business. In fact they encouraged me to contact you. It is as if they know nothing will happen to them for their unethical business practices. In fact, they need to be charged with " theft by deception '' because they are assisting scammers in keeping a customer 's money once they have been scammed. They stand behind being an app but even that has limitations. I have already filed a complaint with the FTC as well.