23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It was XXXX loan from XXXX and they sold my information to another XXXX XXXX XXXX XXXX  company with out my consent and now report XXXX XXXX XXXX report late payments and wrong information on my credit report when acct was in good standing and no late payment
Product: Checking or savings account

in XX/XX/XXXX I came back to america from XXXX, were I have been for about 3 years. I called XXXX XXXX to ask them if they could send me my money and they told me that my investment went to XXXX XXXXso I called them, and they said the check for XXXX was already cashed at bank of america on in XX/XX/XXXX I received the copy of the check but I did not cash it.I received no funds from XXXX or bank of america. I am upset about this I am currently on XXXX, and I am now too old to work. so XXXX dollars is alot of money .please help me..thank you XXXX XXXX
Product: Credit card or prepaid card

We were charged by Rooms to Go for an item that was not received. We filed a police report regarding this matter but Sychrony Bank, which issues the Room to Go credit card, has refused to assist us in this dispute since the merchant is not responsive.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$470.00} that appears related to the aforementioned personal loan account opened at 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: Money transfer, virtual currency, or money service

The week of XX/XX/XXXX I was contacted by a company that I had put on for a job application through XXXX, I was interviewed via XXXX and hired. They contacted me and told me that in order to purchase the equipment for the job ( data entry ) they were going to send me a check and then I would send it to the vendor through a wire transfer. First they had me send it though XXXX and there was a {$1000.00} limit so they had me send the reminder through a wire transfer. They then contacted me again and told me they equipment was confirmed and it would shipping out the following day. They reached back out to me to tell me that another one of the individuals they had hired for the job was having a hard time depositing the check for equipment and asked if they sent me another check if I could do the same thing I did before and they would give me a bonus for the inconvenience. I agreed and sent the wire transfer after receiving another check. My bank contacted me shortly after and told me that the account I was transferring to had come up as a fraudulent account and that the checks were fraudulent as well. They said they were going to stop the wire transfers and attempt to recollect theXX/XX/XXXX transfers as well. I did not here anything from them for 4 days, I called my bank USAA, and they told me the fraud department had closed the investigation and were holding me personally responsible. I told them I wanted to speak to the actual fraud department and they told me they were submitted the request for it be reviewed again and someone would contact me. That was last Tuesday. Today the XXXX I called USAA again to see what the status was. They said my accounts are locked and that until I bring my balance back from the negative theres no action I can do. I asked what happened with the wire transfers they were supposed to stop and they told me the financial institution it went to declined to send the funds back because the individual told them they were expecting money from a friend. USAA claims there is nothing that can be done even though I reported the fraud and Ive had to continuously check on what is happening because no one has reached out to me. My account is {$3900.00} in the negative due to this activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to a payment arrangement with XXXX to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that XXXX had purchased and collected on. XXXX stated that the payments would reflect on all three credit reports, Experian, XXXX, and XXXX. I have sent multiple requests to XXXX, Experian, and XXXX to update the reporting of this account on the credit reports. I received multiple letters from XXXX that state the account was defaulted on in XX/XX/XXXX,  charged off in XX/XX/XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XX/XX/XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to XXXX and Experian agencies for correction of my credit reports. I have received the same response from both Experian and XXXX of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by XXXX and Experian. Experian lists all the above referenced months as FP which is translated to mean FAILED TO PAY and XXXX states no payment received. XXXX stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices XXXX used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies XXXX and Experian are not taking steps to ensure accuracy on my report or responding to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX
Product: Debt collection

I a hospital bill that was turned over to collection to XXXX XXXX XXXX XXXX XXXX I paid off my bill in full on XX/XX/XXXX. Because they failed to discontinue my automatic payments from my checking account, they withdrew another {$50.00} dollars from my account on XX/XX/XXXX. I called them this same date and told them what happened and they said they would reimburse my account. On XX/XX/XXXX, I still did not receive the reimbursement and called them again. This time they said they didn't show that they had taken the extra money and I needed to send them proof of payment. On XX/XX/XXXX, I faxed them proof of payment. Called on XX/XX/XXXX and they said they received the fax and would reimburse me and that it would take a couple of days. On XX/XX/XXXX I still had not received the money and called them again. They said it would take up to 10 days for the money to be reimbursed. Today is XX/XX/XXXX and I still have not been reimbursed. Every time I call these people they give me a different answer. I think they are just stonewalling me hoping that I will give up. I am on social security and {$50.00} is a lot of money to me. This seems like an unfair and illegal practice to me.
Product: Debt collection

On XXXX day of XX/XX/XXXX, an agreement was reached between XXXX XXXX XXXX and XXXX XXXX XXXX who unlawfully assigned rights to a third-party agency name American Finance the property description of a XXXX XXXX XXXX which is indeed used for personal, family, and household usage. After exercising my right to cease and desist American Finance via phone call, they broke the violation and continued to email me using excessive documentation trafficking and threatening to seize my property if a payment on a positive balance not made in the amount of {$180.00} and {$170.00} due today.
Product: Bank account or service

Suntrust covered a debit card transaction when I had insufficient funds. They did this even though they knew I had insufficient funds at the time of the transaction and I opted out of overdraft protection. They are now charging {$35.00} for what was, in effect, a {$5.00} loan that I did not want, and thought I had opted out of.
Product: Money transfer, virtual currency, or money service

I sent {$400.00} through Zelle but it never asked if this was the correct account and when sent the person was fraud and never sent the money back. The bank said there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my XXXX XXXX TransUnion credit report I find that there are 26 and 20 hard inquiries that are Fraudulent and I want them removed expeditiously. I have sent sever disputes to XXXX and is getting told that the information is accurate when in fact I have no knowledge of these accounts. The accounts that are Fraudulent are as shown : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX  Service : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX of XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX An XXXX XXXX # XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX amount {$690.00} XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX FXXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PayPal Credit keep reporting my account as 90 day delinquent. I paid all my balance by XX/XX/2020 ( {$54.00} ), but it was not delinquent on that time. I got credit alert on XX/XX/2020 from " XXXX  '' credit monitoring bureau about delinquent account of XXXX  dollars. Please help me to remove this company 's error reporting, because it negatively affect my credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data branch and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts
Product: Bank account or service

Citibank made a public offer XX/XX/2016 follows : " Open a new account in The Citibank Account Package and earn {$400.00} with a qualifying deposit. '' Conditions were set as follows : " 1. Open a new checking acct between XX/XX/2016 - XX/XX/2016 ; 2. Make a qualifying {$15000.00} deposit within 30 days after opening the account ; and 3.Maintain a minimum balance of {$15000.00} for 30 consecutive calendar days after the initial {$15000.00} deposit. The cash bonus will be credited to your new checking account within 90 calendar days from the date you completed all offer requirements. '' I opened a new checking account on XX/XX/2016 with Citibank and made the initial {$15000.00} deposit by XX/XX/2016. The end of the required 30 days was completed XX/XX/2016. My account is still open as of today XX/XX/2016 with a balance of {$10000.00}. The required 90 days waiting period was completed XX/XX/2016 but the promised {$400.00} bonus has not been deposited in the account as of XX/XX/2016. 
Upon an inquiry made today, Citibank now informs me that I must wait an additional 60 days for the bonus to be paid and that if I close the account I will forfeit the {$400.00} bonus. 
By opening my account and fulfilling the requirements for the bonus I have earned the {$400.00} bonus as per the rules agreed between Citibank and I. 
Citibank should not be allowed to change the rules ( the additional 60 days ) after a contract was established between the 2 parties. 
I am asking for the immediate payment of the {$400.00} and for a penalty of an equal amount on Citibank for defrauding on a contract with a Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. 

There has been a warning on my report to not approve such things. 

My credit report with Experian is a complete mess, full of inaccuracies, and they have chosen not to deal with it. 

This is unacceptable. 

Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. 

These entries should and shall be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX also known as reach financial reporting to credit bureau that my account is closed profit and loss write off, so if they wrote it off then and reported it to the irs I should have a 1099 c to file it as earned income, so if I didnt receive a 1099c and they wrote this off this is basically fraudulent and they need to delete this because they are responsible to send me a 1099c if they are reporting that its a profit and loss write off
Product: Credit reporting or other personal consumer reports

It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report. Your swift attention to and resolution of this matter are greatly valued.
Product: Debt collection

I requested to verify account with National Credit Adjusters, ( NAC ), back in XX/XX/2022 with all 3 credit bureaus. NAC sent me a letter stated they received the request and one finish will send me out the investigation information. I understand Covid-19 was going on not to long afterwards so I gave NAC more time as they may need to send this information due to the circumstances. But it has been over a year and I've requested this with all 3 bureaus again and getting updates it verified but still have not been provide any information from neither the 3 credit bureaus and NCA. Latest i last requested was XX/XX/2022 and on my credit reports still shows disputing. MY addresses are up to date and have had forwarding included. This should not be acceptable. The FCRA gives the company 30 days to respond and I have not gotten a response.
Product: Credit reporting or other personal consumer reports

The purpose of this notice is to inform you of my election to exercise my right to Opt-Out of my information being shared with third parties such as consumer reporting agencies in accordance with Section 6802 ( b ) ( 1 ) of the GLBA. 

I have attached a copy of my Passport so you do not say you can not identify me.
Product: Debt collection

I have told Covington Credit/Southern Management Corporation numerous times in past 2 months to stop calling me as I have setup arrangements with them but they continue to call once payment arrangements are setup and they continue to call me by my maiden name as I have gotten married and my name has changed which I told them about and they say they changed but again continue to call me by my married name. My most recent call as of yesterday XX/XX/19 they called and asked for my maiden but then at the end of the call called me Mrs XXXX my married name. My husband who works in XXXX XXXX has told them as well do not call and cease and desist. And they continue ... Southern Management Corporation aka Covington Credit is harassing me and I as a consumer feel very scared and uncomfortable with doing business with them or talking to them. I demand my rights as a consumer be taken and am giving this complaint as I have the authority and right to do. Please take action on this harassing and embarssment of a company.
Product: Mortgage

I am still following up with complaint # XXXX WITH NO RESOLUTION We did a loan modification and had it notarized AGAIN and paid the trial plan payments. I have no idea if our loan has been sold to another company but I keep getting threats from Flagstar Bank about amount due and possible foreclosure. I have not received ANY statement with new monthly payment due. I have no idea where to send payments so I am just sending to previous address I have from FLAGSTAR.

At this point I am at a total loss as to what to do next. I am not able to set up autopayments online and I have sat on hold for longer than an hour without any resolution. It seems like the company does NOT want me to pay even though I am ready and willing to make monthly payments. PLEASE let me know what I can do at this point, I am at a total loss. Per my Loan Modification # XXXX sent prior to XXXX. I made my first payment in XXXX of {$4000.00} and now waiting to pay XXXX. 

XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX Mailed to XXXX XXXX XXXX I have attached the letter confirming my loss mitigation application was received on XX/XX/year>. 

Received a letter saying I was approved for Flex Modification Plan ( XXXX XXXX ) on XX/XX/year>. 

Paid the trial payments ON TIME XXXX, XXXX and XXXX Then got a XXXX  XXXX which I had notarized and send first payment for XXXX. 

As of now I have received NOTHING about where to make payments.
Product: Mortgage

On or about XX/XX/XXXX, I applied for a mortgage with Cardinal Financial online. After qualifying for the mortgage online, I was instructed to order an appraisal in order to proceed with the application. When I inquired about the appraisal, Cardinal Financial stated that this was mandatory and assured me there will be no problem with the mortgage application. Relying on Cardinal Financials ' assurance, I paid {$660.00} to Cardinal Financial for the appraisal. Immediately upon payment, I was contacted to schedule an appraisal appointment and within few days was notified that the appraisal was completed. However, this was a total waste of time and money because Cardinal Financial had not received nor even requested a " Condo Questionnaire. '' After submitting the entire application, we informed that they were still waiting in the " Condo Questionnaire '' to schedule a closing. Finally on XX/XX/XXXX, I was informed the unit did not qualify for a mortgage based on the " Condo Questionnaire. '' When I inquired why they made me order an appraisal and complete the application before they even requested a " Condo Questionnaire, '' I was informed this was their policy. I would not have ordered an appraisal if not for Cardinal Financials ' specific instruction and assurance. 

Based on Cardinal Financials ' instruction and assurance I wasted time and money. Accordingly, I am demanding a full refund for the appraisal fee I paid. Going forward, they should also be precluded from forcing future clients to order appraisal s before the " Condo Questionnaire. ''
Product: Debt collection

i recently received a copy of my XXXX credit report on XX/XX/2017 from which a collection was added without receiving any written communication of the above debt, which caused my credit score to drop XXXX points..
Product: Mortgage

I have a loan with International City Mortgage ( ICM ), serviced by XXXX. I have an escrow account to save monthly for County ( Property ) Tax and Hazard Insurance. On my Annual Escrow Account Disclosure ( dated XXXX/XXXX/15 ) I noticed a withdrawal from my escrow account in the amount of {$220.00} for " Misc Escrow '' back in XXXX 2015. I received no notice that this amount was being deducted from my escrow account. I do not know what this withdrawal is for ( ICM / XXXX provided no notice or accounting of the {$220.00} they " stole '' from my escrow account ). I contacted XXXX to find out about this withdrawal ; they said that it was paid to the mortgagee, ICM ( per XXXX XXXX of XXXX ). The XXXX $ due to ICM, that I am aware of is the monthly mortgage payment ( they have no business taking $ out of my escrow account ). I asked XXXX XXXX why, and he could not answer other than the $ was their 's to take. I asked for a full accounting and reason for the deduction. XXXX XXXX said XXXX would do that, but has not to date ( several weeks ago ). I would like the {$220.00} that was stolen from my escrow account by ICM and/or XXXX returned. ICM / XXXX has not provided any notice for the withdrawal or legitimate reason for doing so.