23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We hired XXXX XXXX XXXX to move our belongings from XXXXXXXX XXXX XXXX XXXX XXXX and charged us {$12000.00} for the move. I paid the amount by my XXXX card issued by Navy Federal Credit Union. The Van Line is supposed to move the belongings safely. However, when we received our belongings 80 % of the furniture that was packed, loaded, moved, and unloded by XXXX were damaged. Hence, I disputed the amount charged to my Credit card around XX/XX/2022. I provided all necessary documentation including the pictures of damaged goods. After a month, Navy Federal closed the dispute without doing proper investigation with the following comment : " No billing error occurred. The merchant did not violate the terms of their return/ cancellation policy with the transaction in question ''. 

The bank forgot that it is not a good that I bought. It is a service. How can I return a service? The merchant violated their service obligation of safe movement of belongings ''. 

The bank is guilty of a wrong decision.
Product: Mortgage

I fell behind in my mortgage payments due to a XXXX. I continuously called the Ocwen loan servicing for assistance. I was told to continue making the payments when I could. In XXXX 2016, I called Ocwen and was told in that my payment was 90 days past due, nothing could be done. I explained to the rep that I was calling for months. It was noted on my account of the calls to different reps. I was told 'sorry '. In XXXX, I was told XXXX was due to bring my mortgage current. I sent he overnight payment of XXXX on XXXX XXXX. USPS delivered the overnight payment on XXXX XXXX. I checked my account on XXXX XXXX and I was told the payment was received late and now my new payment was XXXX by XXXX ( relationship manager ). My XXXX payment was returned to me. She advised that payment must be sent by the end of XXXX 2016. I was also told to send the late payment to avoid the payment being returned. On XXXX XXXX, I sent a XXXX cashiers check to Ocwen. USPS delivered my check on XXXX XXXX at XXXX hrs. Prior to sending the check, I called and the operator validated that XXXX was the correct amount. The operator updated the account stating my required amount and that I was sending it on XXXX XXXX, 2016. On XXXX XXXX I called ocwen and was told by operator XXXX that my payment was not received. I called USPS and was told the packadge was delivered and signed for by 'XXXX ' on XXXX XXXX, 2016. I called back Ocwen on XXXX XXXX, XXXX and spoke to operator XXXX. He advised me the payment was received and the reinstatement was being processed. On XXXX XXXX I called Ocwen again - spoke to operator XXXX-and was told the payment was not received and XXXX was due immediately for reinstatement. I explained all of the aforementioned information. After going back and forth on this call, the operator told me the payment was received on XXXX XXXX, 2016 but not applied. The operator could not tell me why and seemed puzzled. I was transferred to the escalation manager, XXXX. XXXX XXXX tried to assist me, but could n't explain why the payment had not been applied or why my account was not reinstated. I have yet to find out what 's going on and I am deeply concerned. I do not want a foreclosure on my home. Owen has my reinstatement payment for almost 2 weeks and no one can tell me what 's going on.
Product: Mortgage

My wife lost job due to Covid mortgage company asked if we wanted to do a forbearance did forbearance for 10 months trying to get back into regular loan status mortgage company does not offer a deferment for VA loans only conventional loans told me that the VA was the one that wasnt allowing it when I contacted my VA rep they said they do allow it even had conference call with mortgage company still denied offering deferment for VA loans and Veterans forcing me to refinance at either 30 or 15 here and have to repay all interest I paid off on the loan
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Dear Equifax I am writing regarding my previous dispute, submitted on XX/XX/XXXXXXXX about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. This account is clearly still not XXXX XXXX compliant. This account is still clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures Equifax used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX FIX ERRORS OR REMOVE FROM REPORT Two-Year Payment History ( XXXX ) ( XXXX ) DIFFERENT REPORTINGS FOR PAYMENT HISTORY. HOW ARE THERE 3 DIFFERENT PAYMENT HISTORYS REPORTING? 
NO 30 DAY LATE BUT SKIPPED TO 60 DAY LATE. IF ITS NO 30 DAY LATE HOW CAN IT BE A 60 DAY LATE? 
XXXX : NO 30 DAY LATE BEFORE XXXX, SO HOW DID IT SKIP TO REPORTING 60 DAY LATE IN XXXX, HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS XXXX : NONE REPORTING FOR XXXX Equifax : NO 30 DAY LATE BEFORE XXXX, SO HOW DID IT SKIP TO REPORTING 60 DAY LATE IN XXXX, HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS High Balance ( XXXX ) HIGH BALANCE IS {$4300.00}, SHOULD BE {$0.00} XXXX : {$5000.00} XXXX : {$5000.00} Equifax : {$4300.00} Last Verified : NO DATE REPORTING. HOW IS NO DATE REPORTING FOR LAST VERIFIED, BUT EQUIFAX SAID THEY VERIFIED? 
XXXX : No Date Reporting XXXX : XX/XX/XXXX Equifax : No Date Reporting Date of Last Activity ( HR-8 ) ( 3 ) DIFFERENT DATES FOR DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : XX/XX/XXXXXXXX  Date Reported ( XXXX  ) ( 3 ) DIFFERENT DATES FOR DATES REPORTED. HOW ARE THERE 3 DIFFERENT DATES REPORTING? 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : XX/XX/XXXX Closed Date ( XXXX ) NO CLOSED DATE REPORTING. HOW IS IT THERES NO CLOSED DATE ON A CLOSED ACCOUNT? 
XXXX : No Closed Date Reporting XXXX : XX/XX/XXXX Equifax : No Closed Date Reporting Last Payment ( XXXX ) ( 2 ) DIFFERENT DATES FOR DATES REPORTED. HOW ARE THERE 2 DIFFERENT LAST PAYMENT DATES REPORTING? 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account. 
Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, Ink ) due to inadequate customer service and unfair practices. Which violate the customer service financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their despite resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E.these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I wrote this letter to Capital One in regards to removing late payments from my credit report so it will help me refinance my vehicle.. they refused and said that the FCRA requires them to report accurately but they have the power to courtesy remove it from my report To Whom It May Concern, Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX and XXXX of XXXX for my XXXX XXXX  Credit Card account ending in XXXX. 

I want you to know that I understand my financial obligations, and if it werent for my financial hardship during those months, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive been working and have been consistent with managing my money. I also have started a new full time job. Since then, Ive had a spotless record of on-time payments. Im planning to apply for a mortgage and also refinance my vehicle, and its come to my attention that the missed payment on my record could hurt my ability to qualify. 
I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments from XX/XX/XXXX and also XXXX of XXXX. Thank you for your consideration, and I hope youll approvemy request.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the handling of my personal information by XXXX, XXXX, XXXX and ( Furnisher of information to credit agencies ). I believe that my rights as a consumer, as outlined in the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), are not being respected.

The Act clearly states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which mandates that each financial institution has an obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may furnish a consumer report only under specific circumstances : in accordance with the written instructions of the consumer to whom it relates. I have not given my consent, written or otherwise, to XXXX, XXXX or XXXX ( Furnisher of information to credit agencies ) to furnish this information. 
Furthermore, 15 USC 6802 ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to exercise my nondisclosure option by ( Furnisher of information to credit agencies ). 
Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. The account in question is an adverse item that is being reported without my permission, which is against the law. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Moreover, 15 U.S. Code 1681e mandates that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I believe that XXXX, XXXX and XXXX are not maintaining these reasonable procedures. 
Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and ensure that my rights as a consumer are respected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid 3 credit cards and have been waiting for nearly 6 months ago. 
I attempted to contact comenity and was told they can't do anything. They told me to send a secure message through their message center, which I did. 

XXXX XXXX XXXX XXXX. Last reported XX/XX/2022. {$410.00} shown on report Ulta last reported XX/XX/2022. Shows {$220.00} on report XXXX last reported XX/XX/2022. Shows {$160.00} on report.
Product: Credit reporting or other personal consumer reports

XXXX have placed an hard inquiry on my credit report dated XX/XX/year>, which I have not applied or given any written consent to this company, to do so.
Product: Credit card or prepaid card

I recently got a statement from my credit card company only to find out that my credit account was compromised. Thousands of dollars in purchases fraudulent transactions and fraudulent payments were made. I submitted a fraudulent affidavit and a FTC report. I spoke with a supervisor who advised me that the account would be reopened and a provisional credit was to be issued within 10 days once the fraud claim has been completed.
Product: Debt collection

I received paperwork from the courts on the 21st of this month. It informed me that my wages were being garnished as of now. It came with no paperwork for me to argue my case there's no 20-day grace period for me to explain why they were incorrect.. so my wages will be garnished as of now close to {$700.00} a month.. and the thing about it is I wasn't aware of any debts I owed and supposedly this is from Dynamics collection agency on XXXX Washington trying to collect a debt from around XXXX I'm aware that doesn't go away. But I'm also aware of the statutes of limitations they have to file a lawsuit against me I believe in Washington state is 6 years this debt goes all the way back to 15 plus years.. I believe the reason they didn't give me any paperwork for me to respond is because they know that what they're doing is against the law. Yeah come to find out my debt I owed supposedly was around {$570.00} After they added all their fees and everything on to it they almost added {$3000.00} to that debt so I owe over {$3600.00} now.. they know exactly what they're doing they know it's against the law for them to follow a lawsuit after a certain amount of time they could have called me they never ever called me and tried to collect any debt for me at any point in the last 15 years all the sudden they wait they garnish my wages without even contacting me to let me know they're doing that. And as of now money will be taken out of my paycheck next week. 
The company is dynamic collection agency out of XXXX Washington their lawyer is XXXX XXXX XXXX body his law firm is also in XXXX Washington.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received letter from Capital One ( Cap1 ) Fraud Protection department that my account was restricted. I contacted a Cap1 representative at XXXX and they told me to upload the 3 consecutive bank statements. I uploaded all information they requested on XX/XX/XXXX, and they told me it should take 3-5 business days to review and resolve. 

Then on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( maybe more calls than that ), I called every day to check my status, but the different agents kept saying different things from 5-7 business to 7-10 business days to review. Today XX/XX/XXXX, which is 10 business days and I have not hear anything, and I called them again. They said the reviewer team has not reviewed and can not provide any information on this case. And told me to wait another 1-2 more days, which also previously promised. I said that I plan to file a complaint to CFPB and the agent did not escalate to resolve my issues and still deferred me to wait another 1-2 days. Agent agreed I should file complaint report as I have everything in my power trying to resolve this issue, but Cap1 is not. 

I am done with the waiting game and zero communication from Cap1 regarding my restricted account. This was XXXX XXXX card which I paid ( {$400.00} annual fee ) for with minimal customer service support.
Product: Debt collection

On XXXX XXXX I receive an notification in regards to a debt collection of {$1400.00} not owed pursuant to 15 USC 1692b ( 2 ) not state that such consumer owes any debt. Credit Management LP has continued to pursue collection without any written consent given directly to the debt collector or the express permission of a court of competent jurisdiction according to communication from third parties. This company have used unfair practices and have obtained acquisition of location information without authorization.
Product: Mortgage

Im currently with Carrington mortgage services LLC XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX. My mortgage payment went up from XXXX to XXXX every month in a big jump that can not be explained. My taxes did not go up that much. I think my mortgage company is charging me a lot of money that is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, Credit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. XXXX sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to XXXX enclosing copies documents sent to the collection agency asking for evidence. The 2nd letter was sent ceritifed mail with a return reciept. XXXX signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed XXXX that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from XXXX. This needs to be removed from my credit. I've also sent Letters to Experian and XXXX without a initial response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX. I have submitted a dispute with XXXX, and other credit agencies, and they have failed to remove these false reports from my credit. I never had a late payment with XXXX, and in fact the reason this happened was because of a vehicle trade in. The dealership took a little while to get the payoff to XXXX, so in turn it made it seem like I still had the vehicle, and wasn't making payments on it. This is as far from the truth as it can be and I wrote a letter to XXXX as well pleading with them to remove this inaccurate reporting. I have submitted letters, and disputes online, and I have not had any resolve. Please help me in this as this has substantially affected my ability to get a loan, and other credit. The dates that XXXX has on my credit report are from XXXX, and XXXX of XXXX, and XXXX, and XXXX of XXXX  showing as late payments. XXXX is reporting that I had 4 late payments total. This is false information and also false reporting. Please help me so that this can be removed and hold XXXX accountable for affecting my credit score with this false reporting. Thank you in advance!
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed that VW had reported my old Car Loan to all 3 credit bureaus as 30 day late for the month of XXXX of XXXX  as well as 30 day late in XXXX of XXXX XXXX Multiple calls were made to VW customer service during that time sine we were in XXXX XXXX and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later. 
I have disputed this with the credit bureaus also, but they are saying all the information is correct.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their failure to address and investigate inaccuracies in my credit report, as well as their failure to provide a response to my dispute letter. On XX/XX/2024, I mailed a dispute letter to Equifax via USPS certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into several inaccurate items on my credit report. 

The items I disputed include accounts with XXXX XXXX  ( Account Number : XXXX ), XXXX  XXXX ( Account Numbers : XXXX, XXXX ), and XXXX XXXX ( Account Number : XXXX ). Additionally, I disputed inaccurate and incomplete information related to a public record, specifically : Court Name : Federal Reference Number : XXXX Furthermore , I disputed incorrect personal information listed on my credit report. 

Despite mailing my dispute letter to Equifax via certified mail and providing all necessary documentation to verify my identity and address, I did not receive a response back from Equifax with the results of their investigation, It is evident that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies. Equifax 's failure to provide a response to my dispute and rectify the inaccuracies on my credit report demonstrates a clear violation of these rights. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into Equifax 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold Equifax accountable for their failure to investigate and correct the inaccuracies on my credit report, as well as their failure to provide a response to my dispute.
Product: Student loan

I have worked for the Federal Government for 17 years and the XXXX XXXX XXXX says that I do not work for a qualifying agency. I work under XXXX. XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX. It IS a qualifying federal agency. 

I have made over XXXX qualifying payments. It is obvious that the legislation is not backdd by proper funding. It will be a war to make them forgive my loans.
Product: Prepaid card

I received a VANILLA Visa gift card with the receipt from XXXX. The gift card wouldn't work, I called countless times, tried all different ways, went into XXXX to talk to a manager, and basically everyone told me too bad, not our problem. It was only {$50.00}, so basically a waste of my time, but I can't imagine all the money they made my scamming people! So, I am annoyed they scammed my aunt!

The US Government does NOT protect consumers and it's out of control! Something needs to be done!
Product: Payday loan, title loan, or personal loan

Tower Loan i s reporting on my credit report as a charge off with incorrect dates. Almost 2 months ago I sent them a certified letter requesting validation of this account . Tower Loan did not provide a signature or anything, nor did they mark my credit report disputed. I then sent them a second lett er and they have yet to respond to me.