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

I was contacted by an individual who told me he was the IRS and that I had a warrant for my arrest and if I did not pay him money that I would immediately be arrested. He told me I was not allowed to contact a 3rd party about the issue or disconnect from the phone call we were on or I would be considered uncooperative. He then instructed me to go to the nearest XXXX and buy XXXX {$500.00} prepaid XXXX gift cards to pay to have my warrant lifted so that I may begin a payment plan for the nearly {$6000.00} that he said that I owed. He gave me a badge number as well as other professional sounding information. I ended up doing the first {$1000.00} in cash because he told me to go to the bank first. I did the other {$1000.00} on my Regions bank debit card. I finally got fed up when they said I had to pay the entire thing in full and told them I will just have to go to join because I do not have it which I did n't. I was very scared when this was happening. I hung up the phone and went immediately to get my boyfriend from work and told him about what had happened. He told me this had to be a scam so he told me to go to the Regions bank to have them put a stop payment on the {$1000.00} since I actually used my card.When I got there they told me I was the 3rd person this week alone that had came in with the exact same story. He said there was nothing that they could do. I then went to file a police report with the economic crime unit at out jail/ police station where they told me this is an ongoing scam and that it has been a very active one recently. They gave me instructions on what steps to take about my identity and to try to get back the money I lost. When I called the fraud agency they instructed me to file this complaint and that this was indeed something you guys could help me with due to the nature of the fraud. The economic crimes police report is # XXXX their contact n # is XXXX.
Product: Mortgage

In XXXX, I reached out to Roundpoint mortgage because I was experiencing financial difficulties, due to Covid related issues. My lender ( Roundpoint ) offered to put my mortgage loan on a forbearance plan, letting me know that these missed payments would be added to the end of my loan and I would just resume making payments as to before the forbearance. I took the forbearance which was to end in XXXX. When I called the mortgage company in XXXX, they indicated that my plan was over in XXXX and I should reach out to them at the end of XXXX. I reached out at the end of XXXX and was told that my mortgage loan did not in fact allow my to put the payments at the end of the term and they offered other options I was eligible for. One of these was a modification plan- which I accepted. They sent paperwork and I signed it and returned it. I was to make 3 payments of XXXX for XXXX, XXXX and XXXX each within the month they were due. I made the first payment for XXXX and shortly thereafter I received a call from Roundpoint stating that I did not qualify for the plan they had offered, and had already started. I would now need to complete a mortgage assistance application. 
As I was ready to complete this application, I received an email on XX/XX/XXXX from XXXX stating that I had been been approved for a mortgage assistance application I had submitted earlier in the year. 
I reached out to XXXXoundpoint Mortgage and informed them that I had been awarded these monies and this would bring my mortgage up to date. The amount of this was {$6400.00}. 
I waited a few weeks to see that this was applied to my loan so that I could continue to make my payment. I did not see these applied to my loan and then reached out to Roundpoint and XXXX. XXXX confirmed that these funds were sent on XX/XX/XXXX, but Roundpoint had not applied these to my account. 

I have since been communicating via email and phone with XXXX and Roundpoint to get these funds applied to my account. My mortgage has further gone into arrears as the lender has not applied these and will not accept my payment as well. I have sent the XXXX, XXXX and XXXX payments. The XXXX, XXXX payments have already been returned to my bank. 
I reached out to Rounpoint to ask why my payments have been returned and they stated that they will only take the full amount due on the mortgage in order to reinstate it. I can not make a payment of {$8000.00}. The funds that were granted by XXXX and the 2 payments that were returned would satisfy this balance due - but they will not take them in this form. It has to be 1 payment of {$8000.00}. 
I have been in contact with XXXX XXXX and XXXX XXXX of Roundpoint mortgage - XXXX. The last communication I had with both XXXX ad Roundpoint both parties say that the other party is not responsive and/or is not giving them the information they request. 

Your assistance in ensuring funds are applied and my payments are accepted would be greatly appreciated. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

please update this closed account with the correct payment information to paid on time. instead of late 30 days etc. I was on military duty account was closed day before i stated ayment will be paid in full. closed on purpose when i stated i was in a finanical hardship and on military duties.
Product: Payday loan

I am being harassed by a company that will not give any of their information. They are not only harassing me but also my brother and an old roommates MOTHER, whom is n't even related to me. When I ask them for information they refuse to give anything. They say it 's for a payday loan that I do not have. I checked my report and there is nothing even close to that on there. They continue to call but refuse to provide any sort of written documentation or tell me who they are. They have also threatened me with jail, which I know is illegal. How do I find out who these people are and have them appropriately punished?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

XX/XX/year> I received notice from Navy Federal Credit Union that a transaction was processed to XXXX XXXX  XXXX ( XXXX ) for {$200.00}. I originally came back from XXXX  around the XX/XX/year> to XXXX  and did a manual budget for next month. I entered the next bill Payments into online bill payments with NFCU for the XXXX of XXXX. I called the bank on the XXXX to ensure that this payment would be charged back and for them to check my payment history. Again, they told me to call XXXX XXXX. I called XXXX XXXX  and requested a charge back. They said this would take about 7-10 business days. I requested that they do not charge again. They stated they wouldnt. I called the bank and they did additional checks and balances to see if other devices had logged into the account. There was an XXXX  but she said that could have been my own XXXX  if I updated the software. We went Through the account to ensure there were no more transaction that were not dated correctly. On XXXX XXXX at XXXX I found another transaction that was dated for XXXX XXXX XXXX double transactions and I canceled it. I called NFCU fraud department and filed a complaint. She said there were no devices but my own that signed in. I explained that I changed my password for the XXXX and the Bank Login in hopes this would prevent someone from using my device to change transactions.This type of activity is in violation of 15 ISC 6923 part of rhe Graham Leach Bliley Act. Focusing on fraudulent access to financial information it includes provisions, making it illegal for individuals to access or disc Information from financial institutions under false pretenses. Additionally, the electron fund transfer act is designed to protect consumers who use electronic methods to transfer money. Banks must have clear procedures for unauthorized access to bank info and data modification.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FRA ), credit reporting agencies like Experian must ensure the accuracy of the information they provide. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), the court ruled that credit bureaus have an independent duty to investigate disputes from consumers and can not simply rely on information from creditors. 

All information that you try to verify please provide proof that you conducted a throughly investigation and provide who looked over the file, who you called to get the information, what reports, what dates, receipts, contracts to show that the reporting was 100 % accurate and fully verifiable. 

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

On XX/XX/XXXX and XX/XX/XXXX I mailed certified letters to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX disputing proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. I recieved a letter from XXXX  on XX/XX/XXXX stating that this account was validate without any proof. I also noticed that XXXX updated payment history from XX/XX/XXXX to XX/XX/XXXX. It appears that XXXX did not conduct a proper investigation, they just changed things on my report and were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Please see the below information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Social Security : XXXX
Product: Debt collection

I sent the attached letter certified to BBVA Compass on XX/XX/XXXX. I have yet to receive a response. It is required that companies provide a signed contract matching my ID signature to pursue collecting debt and they have not done so.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me and i want to be remoe from my credit report asap. 

1. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Account Number : XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX is withholding my credit file and report.its been 3 years and it shows XXXX.ive called them and sent in documents to verify my identity but still having issues..I am uncomfortable sending my personal info via mail to Equifax especially considering the data breach that keeps happening.i uploaded it thru a secure portal and got an email confirming equifax received said documents.
Product: Credit card

American Express and myself has been having issues with not disputing charges that I did not make purchases for. Since XXXX to XXXX I have been waiting to resolve this matter. I took out XXXX dollars from my account. The money was extra. It had not been applied to transactions. Because I immediately called them my bill was paid and they sent me my money back. XXXX XXXX had to stop my card because of there miss use of my funds as well. So they put the {$340.00} back into my account and now I have a bill. I did not make these charges they dont exist on my account. Please help me better explain to American Express that I need those charges and now late fees dropped.
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 {$1200.00}, {$880.00}, {$100.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Vehicle loan or lease

I had a car loan through Regional Auto Finance. Regional Auto Finance required me to purchase Gap coverage, The car was totaled and insurance paid the value of the car, there was a balance left due to the depreciation value of the car, Gap has denied my claim and Regional Auto finance is forcing me to pay the balance, which should have been covered under the Gap plan I purchased with the car. During covid 2019 I received a letter advising I could skip a few payments because of the covid outbreak and I was not working because I am a truck driver and make deliveries and no one was allowing for deliveries during that time, now Regional Auto finance and the Gap company are saying since I got the deferments the gap company is not willing to pay the difference which makes no sense since they were the ones who required me to purchase additional coverage.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought my home in 2016 and when I went to look at report. My mortgage is not even on my credit. I can't get anyone from freedom mortgage to answer my questions. I have had the loan in good standing for 7 years and it isn't even reporting. Also if I need to apply for any kind of line of credit saying I'm a home owner it looks like I'm lying which is fraud. I need this reported on my credit reports.
Product: Checking or savings account

XX/XX/year> My card where somehow either stolen are o forgot them when I went to work out of town. Someone accessed all three of my accounts and used my debit card to withdraw money. I explained the situation to my bank. I informed them that if I could see the camera I can press charges. Instead they credited me the money and then reversed the credit.
Product: Credit card

I purchased a refrigerator at Best Buy and the customer representative set up the account for 18 months deferred interest. After 18 months over {$1100.00} in interest was backed charged. I did n't receive any advance notice that the promotional interest free date was ending. Not one notice was emailed or mailed to me regarding the promotion ending and the charges that would occur. I did not receive any billing statements by email or postal mail in XXXX 2016. I feel this a bait and switch tactic as there are no alerts or special notices emailed or sent to the customer after 18 months to indicate the end of the promotion. I was advised subsequently there is a 1 line small detail in the regular online statement. ( However I did not receive any emailed regular statements indicating this information ) Most customers will forget after 18 months without any reminders. I believe the interest should be removed as this is a bail and switch and I was not properly notified by email or postal mail of the change in terms. In addition they changed my billing to paperless without any notification, however I also did not even receive a regular email statement with the information.
Product: Debt collection

The company is Credence XXXX XXXX and their phone number is XXXX they called on my son 's cell phone then my husband 's then mine. They would not give me any information on the debt unless they were provided with my mailing address and last for digits of my social security number. I refused to give that information over the phone. As far as I know- I am up to date with all my bills. I did not receive by mail or phone any complaints that I am not up to date with any of the companies I deal with directly. I believe they are a scam because if I owed money and this was a legitimate company they would already have my mailing address. They call frequently and leave no voice mail messages. Please see if you can investigate them if there are any other complaints. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ), has XXXX several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

we closed on our house XX/XX/2023 and won't send us our escrow check for XXXX. 
XXXX XXXX XXXX  XXXX. First they said they sent check to wrong address. Then said they sent another check XX/XX/XXXX haven't received it.
Product: Credit card or prepaid card

I paid my balance in full for the XX/XX/XXXXstatement. In XX/XX/XXXX, one purchase for {$710.00} is on 0 % no interest for 12 months. The rest of the balance is subject to regular insanely high interest. Nowhere on the XX/XX/XXXXstatement does it say what portion needs to be paid to avoid interest. I thought I had calculated it correctly, but I was still charged interest. When I called the company they kept me on hold for >10 minutes and then they disconnected the call. I shouldn't have to call back again to straighten this out.