23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

About XXXX unauthorized transactions were made against my Chase checking from a website called XXXX XXXX totaling XXXX {$3000.00} which left my account overdrawn. Chase sent me a message stating they blocked 1 transaction of {$510.00}. I immediately checked my account and called Chase Bank and had my card cancelled and filed a dispute for the XXXX unauthorized transactions. Chase Bank only gave less than half the money that was stolen. I then called them back and they said there was nothing they can do because it doesn't look like fraud and couldn't explain why they gave some of it back. I called them 3 different times to inquire about the status of my dispute and they gave a different explanation each time and they kept insisting there was nothing they could do about it and they still owe me {$2000.00} and I live on Social Security and that all the money had to pay my bills.
Product: Student loan

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Debt collection

Professional Finance Company is the 4th collection agency attempting to collect this debt. Please find attached documents showing that the 3 previous collection agencies had my credit files showing that my files were deleted. The debt was never verified.

I am a little concerned because two of the companies have similar names, Professional Finance and XXXX XXXX XXXX XXXX.

See attached documents showing that they all had been deleted. 

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

Everytimebi try to verify my identity for whatever reason online by answering credit question I cant do so because there is things on my report I dont reconize.Also I was told that I had a credit card that was opened in my name and I didnt .Also there is a car lease on the report. In XX/XX/XXXXthat I also did not apply for.let along get a car.And a student loan that I never recieved. What do I need to do because obviously someone is using my information
Product: Debt collection

Ive disputed this {$410.00} collection with XXXX and it was removed, it will not allow me to dispute with XXXX  and is telling me my information is incorrect and this is stopping me from buying a home for my family and need this removed immediately and have no idea what this is. I never received a bill or proof with my signature that this is even my bill
Product: Credit reporting or other personal consumer reports

I had Mortgage with XXXX beginning XXXX, XXXX. In XXXX and XXXX we were victims of Hurricanes XXXX and XXXX. 
Property sustained damage and were wee denied XXXX assistance due to XXXX credit. I requested mortgage assistance from XXXX and was in constant communication with the Bank since Fall of XXXX. 
While XXXX failed to help us I filed official complaint against XXXX and right after filing said complaint my Mortgage was transferred from XXXX to XXXX XXXX  in XXXX of XXXX. 
XXXX incorrectly reports late payments in XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. 
I had submitted XXXX XXXX XXXX  Statenemts reflecting records that payments were made on time, however, XXXX still reports my payments as late. 
Not only that, but XXXX XXXX  company reports late payments in XXXX of XXXX. I simply couldn't have XXXX mortgage providers for same property at the same time, but XXXX insisted on reporting late payments despite the fact that they were provided bank statements reflecting timely payments...
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in Englehardt v. Gravens ( Mo ) 281 SW 715, 719, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. Please delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2021, I was refinancing with XXXX XXXX  XXXX XXXX ], & they were trying to rush things along in order to meet their monthly 'quota, ' so several weeks before the scheduled closing, I started asking questions to ensure I was receiving the best refi option for me, which is my right. However, XXXX/my mortgage officer [ MO ] didn't like this, so they followed up with various delay tactics. During the refi process, the MO had told me that there would be no payment due for the closing month, as the loan would close before the end of the month, but it didnt [ close ], even though I was approved and had all of my paperwork and requirements submitted. The XXXX to last day of the month, I received a call from the XXXX MO who told me that half of my payment was still due for that month and it had to be paid in order to close the loan on the refi [ also, throughout the refi process, I had lost all online access to my CURRENT mort, I only had access to the NEW refi loan #, & could not make/change payments to my account ; the MO knew this, as I had reported it to him NUMEROUS times, but he did nothing ]. After the call, I immediately made a telephone payment, because I couldnt access my account online, completely unaware that at the same time XXXX was trying to debit my checking account, and had done so MULTIPLE times, for the same payment ; it was the perfect storm. Needless to say, my bank declined each transaction because I didnt have $ XXXX funds available in my account [ heck, who does ]. Upon realizing this [ and remember, its the end of the month ] it was too late to do anything, XXXX  considered the payment late, reported it to the credit bureaus, & my credit standing has been completely DESTROYED ever since! I've tried to work with XXXX on a resolution, I've called and spoken to multiple employees, but its been no use, they claim its 'against the law ' to reverse a late payment, even though XXXX incompetency & shady practices perpetuated this debacle. And to make matters worse, because of the late, XXXX will not refi a loan with me for one year.. I even filed a dispute with XXXX, but they refused to accept responsibility & found no fault in themselves. I've tried to get another loan with other companies, but either the interest rate is 20 % + or they decline me because of the late report and my low credit score. Some of my credit cards have even closed my accounts because of this, which lowers my score even more. This has been financially devastating, and my hands are tied, I cant move forward in any direction because of this, I'm entirely unable to improve my financial situation, I'm stuck, and I just want this reversed so I can move on!
Product: Credit reporting or other personal consumer reports

Experian it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/2022, XXXX has XX/XX/2022, Experian has XX/XX/2022. All three can't be accurate or correct. FCRA requires you to fix it or delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a letter to TransUnion and XXXX informing them of the incorrect information they are report on my consumer report. The name and address do not belong to me. I have attached my Driver license which have my correct spelling of my name and also my current address.
Product: Credit reporting or other personal consumer reports

Why do these two reports have different scores, look at the dates on report, this score from XXXX XXXX  was the same last time I applied for credit. The underwriter have a lot to do with this. Because I didn't have the down payment that they wanted, could not get vehicle. When are the car dealers going to go by the CFPB rules. XXXX
Product: Mortgage

I Have Tried At Least 10 Times To Apply For A Loan Modification : The Company Ocwen LLC Servicing Has Been Giving Me The Run Around, By Telling Me The Application Was Incomplete, And Ask For Additional Information, As I See The Information, They Say I Need Something Else. They Did This Until They Won The Sale Date With The Judge. I Have Certified Mail On Me Sending The The Applications For About A Year Or Longer.
Product: Debt collection

I called the XXXX today with the citation nbr as # XXXX and asked them to set up an auto payment to take my money out every XXXX automatically. The XXXX did charge me for the ticket that was old, so old... for about {$XXXX} or {$XXXX}. Dont quite remmy the exact but it was way low. I asked them to send to arrange an XXXX XXXX XXXX  interpreter but they never did arrange XXXX. I called before the XXXX date and learned they did not get an interpreter. I told them to reschedule again and get an interpreter. They did not and instead ... they added more amount to the ticket. It is now {$XXXX}. After I left XXXX in XXXX. I moved out of XXXX to XXXX then XXXX then XXXX because of jobs. I ALSO was XXXX for a while in the past... had no money to pay. Now I earn {$XXXX} per XXXX but I have all other bills to pay like truck note, space rental, etc. So can not pay full amount. I asked them to set up an auto pay and take my {$XXXX}. They office staff wont accept it and will keep the warrant. I already OFFERED THEM the auto pay to take my $!!!
Product: Checking or savings account

Honestly I'm not even sure where to start, I am writing to formally lodge a complaint against Digital Federal Credit Union ( XXXX ) for closing my account without reasonable justification while I was incarcerated, despite clear documentation of my intention to repay an outstanding personal loan. 

I have been a loyal customer of XXXX for over XXXX years, maintaining my account with minimal issues. During my period of incarceration, I was in communication with XXXX regarding my financial situation, and I had plans in place to repay the personal loan I owed. This was documented and acknowledged by the credit union. However, without any warning or prior discussion, I received a sudden email notifying me that my account was being closed. 

This decision seems to have been made arbitrarily and without consideration of the documented agreement I had in place to fulfill my financial obligations. I find this action to be unjust and harmful to my financial standing, especially since I was never given a reasonable opportunity to resolve the situation. 

I kindly request that the CFPB investigates this matter and assists in resolving this dispute. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

My home loan was refinanced through Mr.Cooper. Your agency allowed Mr. Cooper and their representative to supply a false response. You closed my complaint without an investigation. I need for you to reopen the complaint and do a more in-depth look into the mishandling of my social security number by factual data personnel at Mr. Cooper, the deflation of appraisal representative ( l do have a witness of the individual being late, rushing through the process, l emailed Mr. Cooper personnel no remedy given ) of my home, the financial abuse to elderly clients ( l am a senior citizen ), and Mr. Cooper never supplied any remedy or response to my emails to personnel.
Product: Checking or savings account

I received XXXX messages containing manipulated images of myself, along with requests for money. Initially, I ignored and blocked those accounts. However, they persisted by contacting me on my XXXX number, which was publicly listed on my XXXX profile. Despite my efforts to block these numbers on XXXX, the messages continued. 

Concerned about the situation, I decided to report the incident to XXXX for appropriate action. While searching for XXXX 's customer care number in the contact section, I inadvertently ended up on a fake website. I managed to capture a number from that site, called it, and was connected to someone posing as a XXXX XXXX XXXX XXXX. I explained the situation to them, requesting action against the accounts responsible for the harassing messages. 

During the XXXX-hour conversation, the person attempted to send me a message and insisted I enter certain details into my bank account for added security. Initially skeptical, I resisted for XXXX hours. However, the individual convinced me of their authenticity, claiming to be a XXXX employee. Unfortunately, I fell victim to their scheme, and I lost {$3500.00} USD after entering the provided information. 

Following the fraudulent transaction, the scammers instructed me to go to a nearby XXXX or gas station to purchase gift cards, promising that the debited money would be credited back to me. It was only later that I realized I had been scammed. I promptly ended the call and complained to my bank. 

After a XXXX investigation, my bank responded, stating that the other party 's bank refused to disclose user details. Despite filing a complaint again after a month, I received the same response from my bank, leaving me with little recourse. 

My Checking Bank : Bank Of America My Checking Account number ends with XXXX On XX/XX/year>, this incident occurred, and I promptly raised a complaint on the same day. Following that, the bank responded after XXXX business days. Dissatisfied with the outcome, I lodged a further request for the bank to conduct an additional investigation. 

I attempted to file a complaint at the police station, but they informed me that this online scam/fraud incident fell outside their jurisdiction. Despite my efforts to recover the funds through various channels, I was unaware of the appropriate avenues for submitting a claim. Unfortunately, it took a year before I could file a complaint regarding the incident.
Product: Credit card or prepaid card

I received an Interest free Credit card with XXXX XXXX XXXXXXXX. I set up 2 balance transfers over 10 days ago and I see them transfered online with XXXX but they let me know they were electronically sent on the XXXX of XXXX. 
Today is the XXXX and they are still showing not processed at Capital One? 
I don't want it to appear to have double credit on cards, I need Capital One to show the Balance Transfer and it paid!! 

Two cards are XXXX ( {$2500.00} sent ) and XXXX Business ( {$1500.00} paid ). 

Please have them apply the transfer asap!! They are sitting on my money.
Product: Mortgage

This is my third complaint about Statebridge Company, LLC. This complaint addresses an escrow check they claim they sent me. In XX/XX/XXXX I stopped receiving my monthly mortgage statements. I continued to make my monthly payment every month, however, and requested in writing and on the phone for a statement. Finally in XX/XX/XXXX I received a statement. In XX/XX/XXXX I received a statement that read NO PAYMENT DUE. I called and was informed that in XXXX my mortgage payment was lowered. I did not know this because I never received a statement and no one told me when I called the office. I called to find out what happened and was told that an escrow analysis was done and that my payment was reduced but that the escrow would stay intact. I made no payment in XXXX because no payment was due. In XXXX I paid the reduced payment of {$520.00}. In XX/XX/XXXX I received an escrow analysis and my payment has skyrocketed to {$900.00}! When I called for an explanation I was told that they stopped escrowing my taxes, even though I was assured in XXXX that the escrow of {$96.00} included taxes and insurance. I filed a new complaint yesterday with your company : XXXX. Upon doing so I discovered that my original complaint, XXXX had been answered. I do n't have a computer and waited patiently for something in writing and never received a response. Under the old complaint Statebridge stated that they did an escrow analysis and lowered my payment to {$520.00} and mailed me a check in the amount of {$3200.00}!! I never received a check from them! On top of that, I do not know where the extra money I sent in my mortgage payments from XX/XX/XXXX to XX/XX/XXXX went, It was to go to escrow but obviously they did n't correctly apply it. I can not make a payment of {$900.00}. I live on XXXX and escrow my taxes because I do n't have a saving nor do I have a way to come up with large sums of cash. Statebridge told me to buy more affordable housing, even though they have obviously totally screwed up my account.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and growing frustration regarding the numerous attempts to correct a late open account associated with my credit report with Credit Bureaus. Despite my persistent efforts, I regret to say that this issue remains unresolved. 

I first brought this matter to your attention, when I noticed that my account statement inaccurately reflected a late open account, which has continued to negatively impact my financial standing. Following my initial communication, I engaged in extensive correspondence with your customer service department and provided all necessary documentation to support my case. Despite the promises of resolution, the problem persists. 

I have attached copies of my previous correspondences with your company, as well as the account statements that clearly illustrate the ongoing issue. It is imperative to reiterate that this discrepancy is not a result of any negligence on my part, but rather a recurring error on the part of your company 's accounting department. 

I have made repeated efforts to address this issue, each time with the expectation of a satisfactory resolution. However, I find myself still facing the same problem with no resolution in sight. This not only causes frustration but also adversely affects my credit score, financial credibility, and overall trust in your company. 

I urgently request that you take immediate and decisive action to investigate and correct the inaccuracies in my account statement, specifically regarding the late open account. It is imperative that this matter is resolved expeditiously to ensure the accuracy of my financial records and the integrity of my credit report. 

Furthermore, I kindly request that you provide me with written confirmation once the correction has been made and an explanation of the steps your company is taking to prevent such errors from occurring in the future. Timely and accurate account statements are essential for maintaining customer trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, XXXX XXXX  reported a XXXX  party collector hitting my credit report for {$230.00}. 

I immediately inquired and found out this originated from XXXX XXXX in XXXX, TX. 

I have never lived in Texas, so I called XXXX directly and they informed me that I would need to file a FTC complaint, as well as a police report in order to complete my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

American Express is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXXXXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.