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

I am writing to provide an update on my ongoing efforts to remove this charge off account listed on my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter.

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the account remain on my credit report, negatively impacting my creditworthiness and financial standing.

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block Incorporated due to inadequate customer service and unfair practices which violates the consumer financial protection act Specifically, cash app failed to take timely and efficient measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected theyre just dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the EFTA these actions have caused significant inconvenience and financial loss and I seek for reimbursement and compensation for these losses they also banned my account without warning or without reason
Product: Credit card

An Apple Card user since the very beginning, I haven't had problems until recently on XX/XX/scrub> 2024, I called to renew XXXX disputes that had previously been filed with Apple Card Goldman Sachs. The representative refiled these with the wrong amounts, but also, unlike the previous dozens of disputes I've filed over the years, did so in a way that blocked me from access my account. 

So now I am now longer able use my Apple Card, which is really a pain as I'm living aboard. The company refuses to reactivate my card because I do not have a United States phone number. 

Moreover, I can not make payments or check balances because somehow the Apple Card is removed from my XXXX app on my XXXX. So now I am having difficulty just LIVING as the Apple Card is my tool for paying for everything. 

I believe the company may be in violation of, at minimum the Truth in Lending Act. 

My email for the account is XXXX XXXX
Product: Credit reporting

There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending
Product: Mortgage

On XX/XX/XXXX, my husband and I received a letter from Specialized Loan Servicing LLC ( SLS ) regarding rules for dropping our PMI. We 'd received similar letters ever so often notifying us that we could drop our PMI when our home reached the required loan-to-value ratio. Our current home is our third home, and we are familiar with the loan-to-value ratio requirements for dropping PMI. We put a smaller down payment on our current home because we bought it " as-is '', and invested cash in renovations. Our thinking, based on past experience, was if we invested the cash in renovations, it would increase the value of our home thus moving us toward the loan-to-value ratio needed to drop PMI. Unfortunately, when I called SLS in XX/XX/XXXX to ask how to go about getting our house appraised to check the current loan-to-value, an SLS representative told me only the " Original Value '' of the home would be considered in loan-to-value calculations. I was disheartened to learn that our renovations and a new appraisal would not help us drop PMI with this company. I understand following the housing crisis policies have changed, but disregarding a well-documented ( receipts, appraisal, etc. ) appreciation in the value of someone 's home is unjustifiable. On the back of my SLS letter, it indicates that clients living in Texas, California, and Minnesota can use an appraisal to re-evaluate the loan-to-value of their home in efforts to eliminate PMI. As a North Carolina resident, I am wondering if there is a state law that prevents me from using an appraisal to prove appreciation to reassess loan-to-value or if this is an SLS policy. Either way, I am beside myself with regret if we can not drop PMI after our renovations. Had my husband and I been aware of SLS 's policy, it would have changed many decisions we made regarding our mortgage and down payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This belonged to a ex spouse and the wont delete.

CKS prime investment llc This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit. 

XXXX XXXX XXXX This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to pay XXXX XXXX 2x transactions for {$1100.00} and {$1800.00} using PayPal. I applied for, and was accepted for XXXX XXXX PayPal credit offered by Synchrony Bank. 

The FIRST payment, {$1100.00} was put into a pending status but later showed completed. The SECOND payment, {$1800.00}, immediately showed as completed and confirmed but the vendor, XXXX XXXX had received neither payment. 

On XX/XX/XXXX I received notification that the FIRST payment, {$1100.00} had been reversed. I called in and spoke to PayPal and the verified that both payments, {$1100.00} and {$1800.00} had been submitted to the vendor. 

On XX/XX/XXXX I was informed that my account had been restricted and they demanded to know what the transaction was for and demanded undisclosed paperwork. This required me to disclose my XXXX status as I am transporting a service animal. 

I called in and they confirmed that the {$1800.00} payment had gone through, the {$1100.00} payment had been reversed, and kept offering to escalate to the back office. 

I submitted the {$1100.00} payment again on XX/XX/XXXX and the payment immediately was put in a pending status and was flagged for review. Nobody can explain why the FIRST payment was flagged but not the second one, or why one wine through while the other gets consistently flagged. 

I spoke to XXXX XXXX as of XX/XX/XXXX and they have received the {$1100.00} that has been reversed, but they have NOT received the {$1800.00} that I have been charged for.
Product: Credit card

Given the gravity of this situation and its impact on my mental health, I respectfully request an immediate correction to my account. I trust that you understand the urgency of rectifying this error and restoring the accuracy of my payment history. 

Please expedite this matter to ensure a prompt resolution. Your assistance in this regard is greatly appreciated. 

Thank you for your attention to this issue.
Product: Mortgage

I made a request to Wells Fargo Home Mortgage to close an escrow account on XXXX XXXX, 2017. At that time I was informed by Wells Fargo that it takes them 7-10 business days to close an escrow account. Due to an issue with Wells Fargo applying funds to my account, the actual account closing was n't processed until XXXX XXXX, 2017. The account was actually closed by Wells Fargo on XXXX XXXX, 2017, XXXX business days later. According to Wells Fargo a check was cut on XXXX XXXX, 2017. Since I had not received the check from Wells Fargo by XXXX XXXX, 2017 I called them back to inquire as to why I had not received the disbursement. The representative informed me that a check was cut on XXXX XXXX, 2017. However, after inquiring further and after the representative dug further, apparently the check was not actually sent until XXXX XXXX, 2017, XXXX days later or 3 full business days. I believe that this is a intentional effort by Wells Fargo to delay sending funds to their customers in order for them to take advantage of interest earned on balances held during the float period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked them to remove a XXXX account in XXXX of 2020 because the account had been closed upon an agreed payment between me and XXXX for {$200.00} for a XXXX dollar debit, and in XXXX of 2020 it became 7years old and I asked for it to be removed, they said it could stay longer then the 7 years and it would be on record until XXXX and now its XXXX and they havent removed it.
Product: Credit card or prepaid card

Everytime I make a payment my XXXX Capital one credit card account is placed on " restricted '' status and the account is frozen allowing no more charges to go through. The first time a payment was made was through a XXXX XXXX account from which I receive direct deposit. I called and was told as a security/fraud threat I need to verify account ownership of the account the credit card payment came from. Why? What fraud exists between a scheduled payment from an account in my name to an account in my name? Is this not something one bank can find out from another bank with a phone call or email? Instead I had to 3 way call between my bank and credit card company to verify account ownership and available funds. Is this not a huge breach in privacy! 

Now I have a job which doesn't offer direct deposit but deposit only paper checks. So I am forced to get a bank account. I made an {$850.00} payment to the card and the funds cleared on both sides and am being told that my account is again flagged for fraud protection and restricted /frozen until I fax a bank statement to prove ownership of this account. This account was opened a week and a half ago and therefore has no statements for another 2 and a half weeks. Do they intend on holding onto my payment of {$850.00} which they have already accepted and reject reoccurring payments for water bills and dentist payment plans until they get verification? Is this not solved by a simple phone call?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was married, went to college during our marriage, my student loans were based on married filing jointly income. My husband died in 2009. We had no assets to cover my student loans and I also lost my home to foreclosure. We lived in XXXX community property law applies including debt. 

Question : Is my deceased husband considered a borrower since his income was used for my student loans? 

Question : I was told by US dept of education that I do not qualify to have the loan forgiven, cancelled or discharged is this true? But it clearly states that if a borrower dies the loan debt will be cancelled or discharged. His income was used to determine my loan which I assume would legally make him a borrower. 

I am In default currently and the only options Ive been given is rehabilitation and income based repayment on the total balance which seems very unfair. He made more income than me and he is deceased and can not help pay the balance it was determined both of our incomes can afford. 

Please help! 

XXXX XXXX XXXX XXXX
Product: Mortgage

I have hired a law firm to handle the illegal foreclosure that Wells Fargo is attempting. Wells Fargo is attempting to foreclose on a property and is intentionally delaying providing me, the executrix, with the information that I need to sell the property. Wells Fargo has attorneys at this time that are very well aware that I have the legal authority to sell the property. They recently sent a letter demanding information from me that is not required for them to know. This is an intentional delay, which is a bad faith delay. Wells Fargo owes the estate {$12000.00}. I have demanded that they show their " careful '' research in their denial by showing me the calculation from which the error came from. Wells Fargo has refused. Wells Fargo is justifying this by stating this is proprietary information. It is illegal to foreclose on a home when it can not be shown by the actual calculation that I am demanding. Since they are denying the calculation, it stands that the home can not be foreclosed upon. I am in the process of selling the home and have asked for a payoff amount. Wells Fargo is delaying the process and refusing to communicate with me.
Product: Mortgage

I submitted an inquiry about a home equity loan from a company called XXXX XXXX XXXX. A loan officer named XXXX XXXX took all my personal information ( ssn, w2, pay stubs, ID ) and I agreed to proceed with the process of getting a home equity loan through him. A couple days later I was contacted by a company called Mortgage Connect- A director named XXXX XXXX sent me an email stating she would be handling my closing for my loan through a lender named XXXX XXXX XXXX XXXX 
Shortly after I was contacted by XXXX XXXX with XXXX XXXX XXXX asking for further documentation ( w2s, pay stubs, wifes ID ) because Spring EQ had requested it. I sent it over that same day, and never heard back. A week passed and I reached out to XXXX XXXX and XXXX XXXX to ask where I was at with this process- XXXX XXXX XXXX again asked for the same information I had already provided a week prior and said he would check in on my file. The following morning I received an email from a company called XXXX XXXX XXXX wanting me to follow a link and enter my bank information so I can pay in advance for services provided by Spring EQ. 
I did not follow the link and emailed all parties involved stating I want to cancel my application immediately, but am now extremely concerned with this entire process as I feel all of my personal information has been compromised and I am now a victim of a scam.
Product: Consumer Loan

Roadloans.com put a hard inquiry on my credit without authorization. I called and spoke with XXXX who told me that he did n't know where it came from, but they could n't remove it. There is no possible way I authorized this through them or anyone else for any kind of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a lifelock notification XXXX XXXX XXXX XXXX XXXX opened a new account on my consumer file on XX/XX/XXXX alleging {$550.00} owed to their company. Report shows XXXX account with a {$0.00} balance. 

XXXX XXXX XXXX XXXX XXXX opened an account with Experian stating a 1 month term seriously past due since XXXX which is false. See 24-month payment history. 

XXXX XXXX XXXX XXXX XXXX opened an account in XX/XX/XXXX with XXXX alleging {$550.00} was owed since XX/XX/XXXX which is false. I have never heard of this company and there was no communication in XXXX at any time. 

Experian and XXXX has credit consumer report along with XXXX XXXX XXXX Finance & Credit Card, and other mortgage company does not show XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

If both XXXX & XXXX XXXX XXXX XXXX XXXX was owed {$560.00} they would not have allowed the 3 year statue of limitations to expire. Their acts are deemed harassment. XXXX received disputes updating consumer files to {$0.00} balance prior to XX/XX/XXXX. 

Experian and XXXX ignore all request to conduct a thorough investigation based on all disputes sent between XXXX - XXXX. Both companies state they do not investigate the creditor updates through electronic means. There are several discrepancies one report has XX/XX/XXXX on Experian. My report that showed a XXXX FICO score XXXX XXXX XXXX back date the account to XX/XX/XXXX to drop my score over 100 points
Product: Money transfer, virtual currency, or money service

Someone hacked my Paypal account and PayPal is not even acknowledging I am filing a complaint ; they appear not to be willing to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a resident at the community regency gates From XXXX. I was not in a lease and I was paying month to month, I left the community in XX/XX/2018. Shortly months later in XX/XX/XXXX I get an alert from merchant adjuster out of XXXX stating I had a balance from my former apartment complex. I then called the apartment complex within the second week of XXXX and spoke with someone by the name of XXXX I believe. I asked why was I being charged these fees? She advised me it was for the time it took them to find an occupant for my apartment. I then advised her how was that so when I wasnt in a lease? I advised XXXX that the prior manager XXXX ( who is no longer employed there ) told me that I would not need to submit any notice prior to moving out due to me being month to month and not in a lease. I advised XXXX this was told to me verbally over a phone call in early spring of XX/XX/XXXX. I was not evicted, I was not let out of anything. I simply saw a new community that I wanted to live in and moved. This issue seems to come from the community itself and their miscommunication. The problem is that I moved out in the middle of a management swop and something had to be handled improperly. Over the past 2 years almost 3 I have sent in many disputes to the current collection agency as to this account being false and still to this day as I write this misinformation still stands. I am trying to by a home for me and a XXXX XXXX child and this account is not ok to have on my credit and is completely false. I need this fixed and rectified quickly and swiftly.
Product: Debt collection

Ive called PDM Debt Mediation after receiving a letter of collections for the amount of {$630.00} XXXX for the company XXXX XXXX XXXX and told them that this bill is in Texas and I in Oregon. Ive never lived in Texas and that this is someone else using my SSN.They said to file a police report and with the FTC so this is what im doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late twice.
Product: Debt collection

Began with XXXX XXXX. Went to hospital to talk with someone. XXXX XXXX put a hold on me because I did not want to sign their paper work accepting treatment before discussing cost. Just wanted to talk with someone. They sent me to XXXX hospital in a security car. All over rated, threatening if i walked away they would call security or police. Entire time they still were not transparent over cost, What my insurance covered and didnt cover. No one talked to me about what things would cost. They forced me to another hospital at XXXX XXXX on a five day hold. My last day at XXXX XXXX i had to pull someone aside and ask. Then they broke cost down. And it was insane. {$12000.00} for five days of a hold plus an extra 2 days because they were not business days. I DID NOT AGREE TO. I DID NOT AGREE TO BEING CHARGED LIKE THIS AS MY FINANCIAL SITUATION IS ALREADY STRESSED. After insurance and applying for financial help the bill was still at {$3900.00} roughly. Then once out, XXXX XXXX began harassing me about the bill. They took no responsibility for the lack of doing their job and explaining to me the cost. Their staff said nothing to me. Then they sent me to a debt collector called Frost Arnett CO. They sent me a debt collection letter. I responded and put it in the mail. They then called me the same day it arrived in the mail. This is borderline harassment. Ive responded that the debt is not mine it is that of XXXX XXXX or whomever placed the hold and whomever didnt explain to me the cost to me in the letter they sent me. They are lying to me. They were NEVER transparent about the cost and are now bullying me to pay. XXXX XXXX has been rude did not want to talk about it or their lack of transparency, then immediately threatened to send me to collections ( in a bullying manner ). Three different hospitals are involved-the county was involved. And i can have a letter written up about it all by the county investigator who said I was fine. I refused medications they kept trying to give me. Literally the most unprofessional medical experience Ive ever experienced and had to go through. They make matter worse and bully. I just wanted to talk to a medical professional at my original destination at XXXX XXXX XXXX. They refused me what I asked for. Stirred me around and slapped a bill to me with no explanation and no help to what they promised.
Product: Credit card

A credit card from Bank of America is on my credit report. I do not have this card. I beleave my ex wife has it and wont take me off of the card. I am since remarried and we are trying to buy a home but the amount on this card is a real problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX and consumer have new and updated information on XXXX XXXX, complaint XXXX. My complaint was closed on XX/XX/XXXX with the explanation from XXXX XXXX stating that my account is currently in a cease and desist status per my request, which I did not request. They also stated they can confirm they did not receive the required monthly minimum payments that were due during the referenced months of delinquencies and sent billing statements from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX stated that they have confirmed they are reporting accurate information and are declining my request to change the information that's being reported. I did not request to have my account in a cease and desist status nor did I request billing statements for verification. Sending billing statements does not verify the alleged late payments and the alleged debt. XXXX XXXX has failed to provide me with verification of such alleged late payments and alleged debt. Pursuant to 15 USC 1681i ( a ) ( XXXX ) ( A ) ( i ) this information is disputed and this information is inaccurate and can not be verified so it should either be modified or deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX