23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019 I contacted Home Loan Serv Idaho as i received the Escrow analysis from them and they said i was Short {$1600.00}. I have called several times. the 1st time they explained that it was my home insurance with XXXX XXXX that it was the Windstorm. Once i contacted XXXX XXXX i was told that windstorm was excluded form my policy. Then I was told it was my separate windstorm policy. When i called them they told me it was paid at closing and i received a receipt from my agent. The 3rd time i called i wanted an itemized explanation of why i had such a high shortage. The lady that was on the phone was very upset because i had answers for everything no two people have said the same thing. And they keep saying it was explained the time i called before and it has not. They told me they were going to sent me the escrow payment history from the beginning and they have not. i emailed them a formal complaint asking for many things and there response was i had already been talked to over the phone. They can not clearly tell me what the shortage is and my taxes have gone down {$500.00} dollars. They are trying to up my mortgage almost {$200.00} for 12 months and they will not tell me why. And the emails refer to phone conversations after they have been hanging up on me. Please help me in this matter. These people have my house payment and will not even talk or email any information. Thank you
Product: Credit reporting or other personal consumer reports

I had an outstanding balance with Capital One on a closed account. A closed account, which had already been charged-off but they were still reporting it as delinquent. 
I paid the balance of {$420.00} IN FULL on XX/XX/XXXX. 
The funds were immediately extracted from my bank account. 
As of today, the information status is still the same on my credit reports. 
I spoke to a representative today, XX/XX/XXXX, and was told it won't show as settled until around XX/XX/XXXX. And it will take MONTHS for the status to change on my credit reports. It is not fair that my money was taken and they refuse to formally acknowledge it was PAID IN FULL in a timely fashion. It should NOT take this long! XXXX XXXX XXXX practices are unfair. I just want this rectified so I never have to deal with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, paypal case number : XXXX I am respectfully requesting that the hold on my funds/account be lifted. i contacted paypal, speak to a supervisor, she made it seem promising i would receive my funds being held, she said i would receive an email with an answer 7-10 Business days, i have yet to receive the email. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 

I have previously requested a review/appeal of my case over the phone, which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Friday XXXX, XX/XX/2019 if I am not satisfied with PayPals response to this request to release my funds : The United States Federal Reserve XXXX : XXXX? XXXX ( I understand that PayPal does not operate as a bank which is precisely why they may be interested in such complaints ) The XXXX XXXX XXXX : XXXX : XXXX The Florida Office of the Attorney General XXXX XXXX XXXXcontact Consumer Finance Protection Bureau https : //www.consumerfinance.gov/
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing I have a {$10.00} current open balance for my XXXX account. However, XXXX is not reporting properly on a monthly basis to XXXX. What they are reporting is a XXXX balance and closed account. XXXX I've submitted disputes to all three credit agencies and thru Consumer Finance Protection Bureau and asked for an open balance letter from XXXX showing what is owed. XXXX finally sent me the letter. 

I've spoken to 4 different XXXX XXXX XXXX supervisors over the phone and no one could help me. I went to the XXXX dealership to explain the situation to the account manager. They immediately called XXXX XXXX XXXX- they could not rectify the problem. As of today XX/XX/22 XXXX and Experian still show that my XXXX account is closed. XXXX is finally showing the proper information that says " in good standing ''. 

This is severely hurting my credit score and causing a higher apr interest rate for the mortgage that I am supposed to close on next Wednesday, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seven or 8 open accounts on my credit report from past medical bills. I'm fully XXXX XXXX  on fixed income and I'm unable to pay the bills and need them removed from my credit report so it can stop effecting my score. Can you please help me. I received the accounts back in XX/XX/2018 when I was in an accident causing my XXXX   XXXX and was medicaly uninsured at that time of my accident. And since then have been XXXX in a XXXX and on fixed income unable to work
Product: Credit reporting, credit repair services, or other personal consumer reports

My current mortgage company " Mr. Cooper " reported me as being " serious delinquency '' during the months that the President Declared 6 months Forbearance for Texans who were affected by a Disaster - Hurricane Harvey. So no reporting should have been made from XX/XX/XXXX through XX/XX/XXXX. They reported me twice XX/XX/XXXX & XX/XX/XXXX.

I have tried multiple times to review my account with them and have not received any help as they have seriously messed up my escrow account. It has taken over a year to try and get it straightened and still not corrected which is creating me being partially late on a payment. I was given personal managers names / emails / phone numbers with no reply by phone or email from them in trying to resolve my account. 

I am trying to sell / get approved for a new purchase but I am being denied due to the reporting. The new company I am working with suggested that I make this complaint.
Product: Mortgage

I bought a mobile home but my mobile home is not complete due to whats going on with the hurricane and the COVID-19 ... so I called that I wasnt going to be able to make my payment cause I had to quarantine ... and they said that they couldnt help me cause its a mobile home ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint 44 days ago which is over the 30 day investigation response period. Im demanding that the account mentioned in the original complain is removed from all 3 credit bureau reports immediately due to company violating consumer federally protected rights. 

15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 :
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance in procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure accuracy of the information concerning the individual about whom the report relates.

Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. an original consumer contract with my signatures on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 

I demand that the following accounts be validated or DELETED immediately : XXXX XXXX XXXX XXXX - Account Number : XXXX - {$12000.00} XXXX XXXX XXXX XXXX - Account Number - XXXX - {$2100.00} In addition, DELETE all non-account holding inquiries over 30 days old. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a complaint against Capital One Bank/Credit Cards , as well as XXXX Credit Reporting , regarding multiple errors that I believe are present on my credit report. This complaint was filed through the Consumer Financial Protection Bureau, and my reference number is XXXX. I believe that this situation constitutes a violation of the Fair Credit Reporting Act. Both XXXX and Capital One failed to conduct a proper investigation and did not complete the investigation within the required 30-day timeframe. As a result, I am formally requesting that all negative items associated with Capital One, including but not limited to late payments and charge-offs, be immediately removed from my credit report. The failure to provide a thorough investigation and timely response not only negatively impacts my creditworthiness but also breaches the protections afforded to consumers under the Fair Credit Reporting Act. I kindly ask for your prompt attention to this matter and look forward to your swift action in resolving this issue. Thank you for your assistance. Sincerly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there is an open XXXX account for XXXX $ on my credit. I called XXXX and they say it was opened before I even turned XXXX. Its been in my credit since the day I turned XXXX XXXX XXXX. And this isnt something I wouldve or shouldve been able to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have spent more than 7 hours on the phone with various Experian departments trying to figure out why my credit report can not be accessed by XXXX of XXXX, Ma from whom Im trying to lease my third auto. 
All I get from Experian is transfers from one department to another, extended periods on hold, call terminations, and finally only a explanation that theres a glitch somewhere in their system.

They claim that there are two accounts in my name when only one is permitted, but they seem incapable of correcting the problem.

I need intervention at the Corporate level of Experian to force corrective action.

For reference, my average time on hold during my eight phone conversations with Experian over the past 10 days has been in excess of 35 minutes. This seems to me to be customer abuse.
Product: Vehicle loan or lease

In early XX/XX/XXXX, I ordered a XXXX XXXX through XXXX and secured financing through Bank of America. 

The day of delivery, XXXX cancelled the order bc the vehicle failed Maryland XXXX XXXX. I then called Bank of America to inform them the purchase fell through. They stated that XXXX would need to pay back Bank if America for the disbursed loan. 

I called back and was assigned to the Bank of America Research team. They and I three way called XXXX. XXXX confirmed that they never received the loan funding check. The research team then confirmed that the loan check was never cashed. They assured me I would not have to pay and the loan will be closed. 

Today, XX/XX/XXXX, a rep at Bank of America told me that they cant close the loan until XXXX pays them back. I explained the check was never cashed, they then would not transfer me to management and said Id have to wait for a call back several hours later. 

Follow this link to see that this car is still for sale by XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX The car we were set to buy is currently still for sale by XXXX. We have a car loan for a car we dont have and do not own.
Product: Student loan

I was contacted by a collector within the company and told that the loan was in default and I needed to commit to paying {$600.00} per month for a year, and then the terms would be revised to reflect the commitment and my financial situation. At the end of the year the company continued to demand {$600.00} per month and when I explained that there was no way that I could continue to make those payments told me that the interest and fees would compound indefinitely. What began as a student loan amounting to around {$30000.00} for an in-state college has exploded to extortion of what the company quotes at approximately {$120000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX, 2017, Equifax credit bureau announced that they had a data breach back in XX/XX/XXXX-XX/XX/XXXXor so. They had a tool on their information site, ( equifaxsecurity2017.com ), to see if your particular SS number and other personal information was involved. I put in my information as instructed and was informed of XXXX. Like all the other commenters on XXXX, I was just given a future date to enroll in their " credit protection plan '' for a year of free service. They expect a hard hit to their servers so I am forced to wait until XX/XX/XXXX to enroll. They said they would tell me if my critical credit data was hacked while under their care. It 's bad enough they had the gall to wait 3-5 months before telling anyone, and now no one can get any real answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the Car dealership they said they were only going to pull XXXX and now I have multiple different inquires. 

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

Hi every week it seems to be a problem with my score going up and down. I have been paying off vehicles and credit cards and my credit score continues to decrease, and Im removing debts. I call they cant explain why this is for XXXX and Equifax. Yesterday I called Equifax because I received a notification from XXXX XXXX a 3rd party that my credit card was closed for XXXX and Equifax. I called to find out what card because I hadnt closed any credit cards. My score was reduced XXXX point for that on both bureaus. I was told in the notification it was for a credit card I never received and never had with synchrony pay pal. I advised I had an account with pay pal but didnt own a credit card with them. I called pay pal to confirm as well. They had no cc for me. On my report it shows this same credit card was closed XXXX of XXXX. So not only did I not have a credit card with XXXX XXXX XXXX, the account has been closed almost 8 years. So how can you close a closed account, you cant close an account twice. So neither of the bureaus are trying to give my points back that were taken, I put in a dispute with both bureaus already, as I was discussing it with Equifax the agent hung up on me, because she wanted to do all the talking instead of listening to my complaint. In addition to this someone from XXXX put in a request that I didnt ask for to remove my mortgage from my XXXX credit report, and my mortgage company did and that reduced my credit score XXXX points from a request I didnt ask. I requested my balance be updated, but a XXXX agent requested it to be removed, I am now going back and forth with my mortgage company to add back to my XXXX report. But these Bureaus are not customer friendly and a lot of them dont understand XXXX well. I would like to get my credit score points back and these issues resolved. Thanks in advance
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Equifax for reporting inaccurate information on my credit report. Despite my repeated attempts to correct this, the incorrect data remains, significantly harming my credit score. 

XXXX XXXX : - Creditor : XXXX XXXX - Account Number : XXXX - Status : Voluntary repossession initiated in XXXX, closed since XXXX **Complaint** : - XXXX XXXX  refused my voluntary repossession request in XXXX. 
- A court judgment was awarded in my favor, and the account has been closed since XXXX. 
- The account is still being reported as open and late, which is inaccurate. 

This continued misreporting violates my rights under the Fair Credit Reporting Act ( FCRA ). I have made numerous attempts to correct this with the credit bureaus, providing necessary documentation, but they have failed to update my report.
Product: Money transfer, virtual currency, or money service

This is part of an on-going complain. 

I wire transferred {$410.00} of XX/XX/XXXX to XXXX with the promise the recipient will receive {$400.00}. I paid the initial wire transfer fee of {$40.00}. The bank routed my money to XXXX XXXX  XXXX and that cost me additional {$20.00} which made the recipient received {$380.00}. 
The money received do not meet the required minimum deposit for the transaction which made me lost the transaction. 
I requested a refund from the other end and I got {$310.00}, now the bank is charging me another {$18.00} for receiving the transfer. 
As can be seen, I lost {$130.00} dollars because of the decision of the bank to route my transaction through XXXX XXXX XXXXXXXX and I also lost a business opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts appearing and Inquiries on Credit Report. 


Inquiries fraudulent accounts and inquiries appearing on credit report. Inquiries 1. XXXX XXXX 2.XXXX 3. XXXX XXXX 4XXXX XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7 XXXX XXXX XXXX 8 XXXX 9 XXXX XXXX XXXX 10 XXXX 11 XXXX XXXX XXXX 12. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out and that's when I found out it was a medical bill and that is when I submitted information that I receive XXXX XXXX. I submitted proof. I have been under XXXX XXXX  all my life. I don't know this company that is asking me for some monies. I keep disputing these actions and equifax is just asking them is the info correct. Noone is running the proof sent by me to see the corrections that should be made here. Equifax is poorly judging this dispute. This company reported the same amount after I disputed it the first time with a different date. This is not right. It's a lie.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was looking to purchase a camera from XXXX from a man in California. I do NOT know him, but I was lured and coerced into sending him partial payment through XXXX. He claimed that a buddy of his was in critical condition and needed the payment asap. He asked for my address, full name, and phone number so he could go to XXXX and purchase tracking. He proceeded to send me pictures of the postage and tracking receipt and so I sent him {$300.00}, half of the asking price. When I asked for the full tracking number, he refused to give it to me unless I sent the rest of the payment back. It was then that I realized I had been scammed. Between a faulty receipt and him contacting me through multiple different phone numbers in the following days, I was unsure whether or not Chase would reimburse me for a payment made through XXXX. But I called Chase and filed a claim through their claims department the morning after. The XXXX charge was still pending but the money was already gone from my account. Today, XX/XX/XXXX, I received a notice from Chase regarding their investigation and they said no change would be made to my account at this time. 

Regardless of whether or not it was an authorized charge, I was scammed and Chase has failed to recognize that or provide ne with any sort of reimbursement or request for more information. While I did initially make a phone call stating fraud, I only did so as fraud and unauthorized transactions are protected. Its absolutely bizarre that SCAMS are NOT protected.
Product: Credit reporting or other personal consumer reports

I downloaded my credit report in XX/XX/XXXX and seen a lot of unauthorized inquiries I did not authorize 5 accounts I never had I got a police report sent it to all three credit bureaus as a identity theft and they took it off and it gotten right back put on the report XX/XX/XXXX Theres no investigation being done with XXXX, XXXX, nor Experian they are going off see say and all this has putting my life on hold do to financially grow for my family needs Ive been disputing and sending out my letters like I was supposed to in order to fix the problem and its a waste of time and money I need my financial freedom back please and thank you
Product: Credit reporting or other personal consumer reports

. I recently received a copy of my credit report. I was shocked to find out that I was a victim of identity theft. I found this account XXXX XXXX, XXXX XXXX XXXX XXXX on my report that I did not open. This has been hurting me as I am in the process of buying a house. please remove the fraudulent accounts from my report as soon as possible
Product: Credit card

Several months ago, I called a home to cancel my account with them. I requested that both my debit card and credit card be cancelled. They confirmed they would do this on the call. They successfully closed my debit card account at that time. Several months later, I pulled my credit report from XXXX and found my Chime credit card was still an open trade line. I sent XXXX emails between XXXX XXXX and XXXX XXXX. Each of those emails received an automated reply to send an email from the email address connected to my Chime account. Because I no longer have access to my Chime account from deleting the debit card, I am unable to do this. They do not respond to this explanation and continually repeat the same auto response.