23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Wells FargoMy husband is POA for his father who is in a rehab center and is XXXX. He had 3 CD 's due in the month of XXXX which we did not want renewed which where set up for auto renewal. 

XXXX XXXX or XXXX went to the branch and told them we did not want the auto renewal on them. Was told could not do that to the grace period which would start XXXX XXXX and XXXX XXXX. 
Not living in XXXX we returned home to XXXX 
XXXX XXXX call the number of the CD renewal and was told them not to renew. Was told it would be deposited into savings. Why it could not be just changed but waited. 
XXXX XXXX call branch bank and asked why not into savings. Told it takes 3 business days. 
XXXX XXXX called the number on the CD was told it was in process and would show up by Friday XXXX XXXX. 
XXXX XXXX called still not into savings. There shows nothing to stop renewing. Spoke to supervisor and said she will take care of it Monday. XXXX XXXX and call to confirm. 
Monday no call. Cal again on XXXX XXXX and another person would take care of it. But it takes XXXX business days. Well of the 3 CD 's only XXXX were done correctly. Again time on the phone and now with holiday maybe XXXX. 
No one should be put this this incompetent bank routine of infuriating customers and denying them there own money. 

This is {$150000.00} why should someone need to wait to get there own money and the process of stopping the renewal could not be done at anytime. Poor service and customer service. Incompetent
Product: Credit card

I have a Macys credit card which seems to be administered through Citibank. I made a purchase of {$130.00} on XXXX XXXX 2015. I missed making the payment so was charged a late fee of {$25.00} and an interest of {$2.00} in the statement dated XXXX XXXX, 2015, a total of {$150.00}. I paid the amount and was inexplicably charged a {$2.00} fee XX/XX/XXXX totaling to {$6.00}. I called and asked about this fee, and none of the credit card executives could provide a coherent answer. The last person I spoke to offered to remove {$4.00} in fees if I paid {$2.00}, which again, made no sense.
Product: Credit card or prepaid card

In 4 separated occasions I ask for an increase of my credit limit. Last occasion was XX/XX/2021. Capital One didn't use current credit report and decided arbitrarily to utilize one from XX/XX/2021. My credit score in 3 major agencies is over 720. I never had any late payments and my income to debt ration is extremely low. I perceive Capital One is discriminating against me due to ethnicity.
Product: Credit card

CFPB entered into a consent agreement with Midland Credit Management ( MCM ), which MCM is now violating. MCM agreed to stop attempting to collection efforts and made settlement restitution in some cases but has resumed collection efforts. This was a phony claim to begin with. My claim number is XXXX.
Product: Checking or savings account

In mid XXXX, I opened a checking account with HSBC. As part of a promotion, they said they would provide me a {$350.00} bonus for keeping {$10000.00} in the account or combination of linked accounts for 90 days. I opened the account and my $ XXXX deposit posted XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX of HSBC contacted me and said if I opened a certificate of deposit and moved the funds to it, they would still count for the bonus as the CD is considered a linked savings. I have this in an email. The money was transferred XX/XX/XXXX and remains there now. It has been well over 90 days and I have not recieved the agreed upon {$350.00}, and my attempts to contact HSBC over online chat have gone nowhere. Please assist. 

Note : The balance of my checking account is only {$50.00} because I moved the $ XXXX to the CD account, but the accounts are all linked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

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 XXXXXXXX XXXXXXXX
Product: Mortgage

I filed for a loan remodification. 
During the process several people at the mortgage company were involved because of their policies. I agreed to record every single phone call. An escrow issue became part of the problem. ( Which all phone calls can give the total truth. ). Moving forward I made every payment every month during this process. A few times I only had enough to make principal and interest. I was told that was ok at the moment while this process was going on. Every time there was an issue someone would give me instructions, I would carry that out, call and have to speak to a different person because my representative was on the phone. 
It was a nightmare to say the least because some would say to do something different because of some customer service person gave me wrong information. Id go to another step, turn that in and again someone else would tell me that was wrong. 
This seemed like it took forever to do. 
I was making payments, escrow was getting behind. I was told modification went through and I was given a payment to start the trial..that also changed XXXX times. 
I cant stress enough of how this whole process got twisted XXXX different ways. 
Then, the mortgage company turned false information in to my credit report with a much higher payment because of escrow. 
I never signed anything that said my payment was over {$1000.00} per month. 
I accepted and agreed to the last contract that was written for {$690.00} I set up XXXX automatic drafts to be deducted from my checking account for XXXX, XXXX and XXXX. The mortgage company sent the total monthly payment as {$1000.00}. 
Thats not correct!!! I have paperwork where I accepted {$690.00} My XXXX XXXX with all XXXX bureaus went down over XXXX points! 
This is wrong on so many levels!!! 
I need help please!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In anticipation of applying for a mortgage, I needed to unfreeze my credit with Equifax. I was unable to log in using my previously established user id and password. Attempts to re-set password failed. On my first call to Equifax, after lengthy holding and repeated input of personal info. I was able to speak to an actual person. That person placed me on hold ; during the hold an automated survey began. I participated in the survey as I was under the impression I would be returned to customer service at the conclusion. Instead, my call was disconnected. Total time on call was 30 minutes, phone number dialed was XXXX. Using a different Equifax customer service number, I called again. Again, after connecting with a person and being placed on hold, the automated survey began. I did NOT respond. Again the call was terminated by Equifax. Total time on call was 19 minutes, phone number dialed was XXXX. Equifax has made it impossible to complete a call and obtain any resolution via phone. They do not provide an email address. They do not provide online " chat '' or support. They deliberately make it as difficult as possible to actually get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union and, XXXX have reported a 34 point decrease in my credit score. When it should have been a 34 point or more increase. Several items were deleted from my report after a dispute and all credit card balances and paid down to XXXX. I have tried to contact them reguarding this mistake and they will not help me. I have worked hard to clean up my credit and deserve to have things reported accurately. It is unfair for them to do this to me when all the evidence is right there of the improvements. They clearly made mistakes, I need it corrected immediatley. This is emabarring and causing a hardship for me and my family as we are trying to purchase a home. Please help.
Product: Money transfer, virtual currency, or money service

My cash app was compromised in XXXX when some one sent themselves {$500.00} from my phone to their own account. I had no idea who this person was and when I tried resolving the issue with my bank and cash app, there was no resolution. I initially contacted my bank to reverse the charge, which they temporarily did, but after investigating they concluded it was authorized by the merchant. 

I contacted cash app and tried to dispute the charge by showing proof that the bank denied the claim, but they refused to refund me my money back. I've filed multiple disputes and yet they refused to refund me back my money.
Product: Credit card

I once went to a XXXX XXXX XXXX to purchase a product. 
Upon paying for the product, the Cashier offered to sign me up for a XXXX beauty purchase card and I ultimately agreed. 
Then they sent the card to some other address and not the address I gave them. 
When that happened, I called the company and told them I no longer wanted the card. They told me on the phone that I needed to pay the balance which was {$42.00} on XX/XX/year>. 
XXXX weeks later they sent me a billing statement for XXXX cents and less than a month they sent me another bill for {$33.00}. To make matter worse, they even sent my name to the credit reporting agencies. This kind of predatory practices are just wrong and unfair. This is unjust and totally unfair and I don't owe XXXX XXXX anything so I need them to clear up my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

What should be one 30 day late payment is showing as " in collections '' on my XXXX  report. I have already talked with XXXX  and XXXX about this discrepancy.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

In acceptance with the Fair Credit Reporting act XXXX Account, 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Equifax and XXXX, has violated my consumer 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stating these are not my accounts and I would like them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue experian, XXXX and XXXX XXXX comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how Experian, XXXX and XXXX can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had done nothing to correct my Credit Report and remove the Fraudulent Information completely from my File. I have been sending countless letters appealing to the Credit Bureaus to verify the disputed items and remove them if unable to prove that the Items are mine. I have been a victim of Identity Theft and The items I am disputing do not relate to any transaction that I have made or authorized. Neither did I received any possession of goods, money, services, nor benefits from the Theft of my Identity. I reported the theft of my identity to the Federal TradeCommission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report and the Police Report that I have filed on my local police department. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, Transunion never cared nor paid any attention to my Disputes. Transunion became negligent of the FCRA law and continued reporting these information on my File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. I am tempted to take legal action against Transunion but I will be generous enough to give them couple more chances to prove me wrong about my conclusion. Once again, I am urging the Credit Bureaus to remove the following items completely from my File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card

On  XXXX   XXXX , I paid {$1000.00} to my  XXXX   XXXX  card with Comenity bank. The language on the site says that payment posted prior to  XXXX  EDT will be posted the same day. On  XXXX   XXXX , i checked my account online and saw the {$1700.00} in available credit (  XXXX  previously plus  XXXX  payment ). When i attemped a transaction it was rejected. I call the customer service number and again was told I had  XXXX  in available credit through the automated system. The agent on the phone also said thay, but said it was " really '' available. I spoke with the supervisor  XXXX  in Kansas, and she said I would not have any available credit until the payment processed. I asked if there was anywhere where this was disclosed and was told no. She agreed that the wording on the website could be misleading, but I would just have to wait for the payment to process.
Product: Checking or savings account

This was through Cash app someone hacked my account and took {$100.00} out of my account l.
Product: Debt collection

The company called me numerous of times about a debt that was owed to a collection agency, in which was resolved in the year ( 2014 ). My lawyer submitted the check to the company and now, I 'm being harassed by the collection agency. They mentioned that it was never made. I contacted my lawyer and he sent me information regarding the payment that was made to the Ambulatory service. I went ahead and submitted the payment before I was sent the info from the lawyer just to get them off of my back and to somewhat protect my credit standing. Even though I sent them the actual proof, they still say that it was for another ambulatory service for around the same year. I mentioned to them, I was only involved in one accident in that year and that has got to be the one and only accident that you are referring to! They became troublesome, defensive and did n't want to hear what I had to say even though I submitted proof! I asked them for a refund for the amount that was paid and they argued the fact that it was not the same account?!! I 'm asking for a reason why they would collect more money from me even though it was already submitted by the attorney with proof!?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

There appeared to be two unknown acct on my credit report with the credit company American Express. one for the amount of {$12000.00} and the other account for {$9400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, CB/NY & CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Funding Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Product: Debt collection

I received a call from the debt collector XXXX XXXX That I owed a hospital a total debt of {$1400.00}. The woman on the phone told me that if I settled today they would only make me pay half of it, {$730.00}, and that there was a letter in the mail with the same balance owed cut in half as well so I might as well pay today if I can. I decided to pay at that moment on the phone using my credit card. Now, about a week later I have received the letter in the mail, stating a SMALLER, DIFFERENT amount owed to them of only {$430.00}. That is a huge difference of {$290.00}. I spoke with the company today and they said the account had been moved back over the hospital. I spoke with the hospital and they said nothing has been sent over to them yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are inaccurate and incorrect account reports on my Experian credit report : 1. The XXXX XXXX report that states that I was 30 days late in XXXX & XXXX XXXX. This is not correct and it is inaccurate! I maintained my payments with XXXX XXXX even when I was part-time employed and called to make arrangements in the case of any financial hardships but it was not a 30 days past due. 

2. On the XXXX account, I contend that I was not 30-days past due in XXXX, XXXX. 

3. XXXX account is incorrect ; it indicates that I was 30-days past due in XXXX, XXXX, XXXX and XX/XX/XXXX. I contend that this information is incorrect. 

5. XXXX XXXX XXXX account states that I was 30-days past due XXXX thru XXXX, XXXX. I assert that this information is inaccurate. 

6. XXXXXXXX XXXX ; I am not familiar with this account. ( If account is tied to XXXX XXXX, then I this account should be marked as PAID/SETTLED. 

7. XXXX account states that I was 30-days past due XXXX, XXXX XXXX, XXXX. I state that this information is inaccurate and incorrect. I have a payment agreement with XXXX  that dates back to XX/XX/XXXX. ( See attached payment arrangement ). In addition, I made on-time payments for the months of XXXX thru XXXX, XXXX. Although I complied with the payment arrangement XXXX  not only reported to the credit bureaus that I had not paid, but continued to add interest and late charges. I have attached a copy of XXXX and XX/XX/XXXX payments to this complaint. 

Therefore, I contend that the inaccurate, and unfair information contained in my credit report by this agency is in violation of the Fair Credit Reporting Act, 15 U.S.C., Section 1681. In addition, I state that Section 4021 of the Coronavirous Aid, Relief, and Economic Security ( CARES ) Act, XX/XX/XXXX, " furnishers must report credit information for consumers receiving an accommodation during the " covered period ''. 

XXXX XXXX email : XXXX XXXX
Product: Debt collection

I sent numerous letters to the bureaus XX/XX/2022 still nothing have been done, i do not know this company who is contacting me stating that i owe them money.
Product: Mortgage

Recently our mortgage servicing transferred to PHH from XXXX, we applied for Mortgage Modification Assistance more than 14 days prior to the sale as instructed by PHH, when contacting PHH to get a status on the modification request, I was notified that our request would not be considered because it wasn't made more than 37 days before the scheduled sale date of XX/XX/2019. Neither PHH or XXXX have sent us any documentation regarding the transfer of the servicing rights from XXXX to PHH, nor have we received any offers of assistance in lieu of foreclosure on this home. 

The property has been in foreclosure for several years and we have attempted to resolve the issues with the lender and they have been unwilling to offer any solutions for this foreclosure issue. At this time, the foreclosure sale is pending for XX/XX/2019. We have any appeal pending with the New Jersey XXXX Court and have also submitted a Motion to Stay the Foreclosure Sale pending the outcome of the Appeal. 

We are seeking intervention by the CFPB to stop the wrongful foreclosure of this property.