23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was under contract for a house that had credits from the seller and credits from my realtor in order to cover closing costs for the house. The broker told me verbally on XX/XX/18 that those would cover closing costs ( see attached text from broker asking me to call him ) and I would only be responsible for the down payment. My realtor told me closing costs would be higher than the broker was telling me, but I trusted the broker when he told me that the credits I received would cover the costs. As stated, I confirmed this verbally PRIOR to signing the final contract for the house. Unfortunately, this was inaccurate information and when I realized one week before closing that I was lied to, I could not do anything about it or I would not be able to close on my house the next week. I was put in a bad situation that I had to pay additional, unexpected closing costs. The broker nor Caliber would work with me further- nor did the broker respond to my final emails.
Product: Credit reporting or other personal consumer reports

I found on my XXXX credit report that there is a hard inquiry made on XX/XX/XXXX, which was credited by Synchrony Bank for their LOWES branded credit card. 

I have never applied any credit card from Synchrony Bank, and I have never applied any LOWES branded credit card. 

I first contacted XXXX, and XXXX said only the original creditor can inform them of such removal. 

I then contacted Synchrony Bank on XX/XX/XXXX about such unauthorized hard inquiry, and Synchrony Bank did find a credit card account within their system, ONLY matching the name ( SSN, DOB, Address, Phone non-matching ). 

However, Synchrony Bank refused to inform the credit reporting agency ( XXXX ) to remove such hard inquiry from my credit report.
Product: Credit reporting

I had a lien from State of California for {$1800.00}. It was dismissed. I have written to Equifax many times, and tried calling them, but they will not remove this information from my report nor have they included the updated status. It almost cost me my job. 
No one at Equifax will respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report, and I noticed some discrepancies on my report that wasn't mine, or I had any knowledge of, and I did not consent to from a collection agency called Wakefield & Associates claiming that I owed them debt that I have no knowledge of. I did not give my signature consent. The date of this accounts is XX/XX/XXXX, in the amount of 2 payments, {$360.00} and {$330.00}, that I have no knowledge of. I am a victim of fraud and I feel that I am being violated under the Fair Credit Act. I reached out to the credit bureau 's to get this removed. They have sent me no verification of this account.
Product: Debt collection

I sent a letter on XX/XX/2023 in response to the letter that lacks the missing documentation in regards to the ownership to substantiate their claims that LVnV is the current owner of a fictitious allege debt. But no response, i have include the inaccurate information that shows a lot of errors on their part but they seem to be silent about it. specially a rep name XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts 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 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my credit report from experian I have an account that does not belongs to me with XXXX XXXX XXXX, I reported already with Experian, but they asked me to reported here.
Product: Mortgage

My loan was transferred from XXXX XXXX XXXX to Nationstar some years ago. I have been paying my monthly payment online via their payment system. NOWHERE when I make payments does it say there will be a late fee of {$170.00} if I 'm more than 15 days late. It assessed an additional {$10.00} " transaction fee '' for 15-29 days in the month. I always made the minimum payment due later in the month but ALWAYS before 30 days. I was never 30 days late in all the years. Meanwhile, a late fee of {$170.00} a month was secretly accruing unbeknownst to me!!! I never had a " past due '' notice or a late fee notice online where I do all of my payments and business with Nationstar. It ALWAYS just showed the minimum amount due each time. SUDDENLY, years later a PAST DUE notice of more than {$5000.00} shows up. I called because it had to be a mistake. Nope. It was them finally telling me online in the payment center that I had a late fee that has been accruing every month for years! I HAD NO IDEA! There is no reminder ... there is not alert ... there is no box that pops up that warns you when you pay -- -ONLY a notice that a {$10.00} transaction fee will be assessed if you pay past 15 days. That makes it appear as though that 's the late fee. If they would have had XXXX notice that I had a past due amount because of a late fee I would have IMMEDIATELY changed my habits of paying the last two weeks of the month to the first two. I NEVER would have allowed this to happen. But they do it secretly and bury it in a statement in the mail, only -- so those who pay online -- which must be most everyone -- NEVER know about this until they alert you after it reaches some {$5000.00} or more. When I called they said, " do n't worry -- we 'll move that amount to the back of the loan. '' They are loving this late fee and do n't want you to know about it. I think this is unbelievably deceptive. I am enraged about it.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXXXXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I requesting your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Checking or savings account

XXXX XXXX XXXX XXXX # XXXX XXXX. I spoke with all Resolution Dept ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX approximately. I opened a XXXX XXXX XXXX Account on Laurel Road 's website. I deposited $ XXXX. They closed my account and shut off total access to my account and to date they have not returned my funds. I tiredly and constantly reached out to them since XXXX, XXXX trying to resolve this and have my funds returned to me. I continually get the same response that it's still under review. I constantly requested to allow me to assist in this 'review ' so I may reach out to whom ever they need to 'review me ' but they were very vague and secretive. I've been with XXXX with many years so there's a history there of me very simple to see and follow up so it shouldn't take all this time since last year. My local branch XXXX XXXX Assistant Store Manager, XXXX Fl XXXXXXXX has reached out to them in trying to help me. She verified me as they requested a few times. XXXX XXXX has not fully cooperated in returning my funds there always seems to have an issue, excuse, request and put me off with delays and NO response. My 'finally ' after my pushing understanding is that my funds are in some escrow account where I have no access to it and also losing interest day by day. I need my money returned please as I have been obviously most patient, cooperative and kind with them all. My most recent victory was with XXXX XXXX, Enterprise Client Relations Office of the President, XXXX, Oh saying that my 'check was in the mail ' as of XX/XX/XXXX but to date I am back at one. 
This has been most physically demanding on my senior self and would appreciate help in resolving this please, please. Thank you kindly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. THESE ACCOUNTS HAVE BEEN DEEMED UNVERFIABLE AND REMOVED BUT EQUIFAX AND EXPERIAN ARE STILL REPORTING INACCURATE ACCOUNTS. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION.
Product: Money transfer, virtual currency, or money service

XXXX hacker was attempting to steal my funds from Coinbase and Coinbase Pro and I lost access because they changed my password and I asked them to freeze accounts. They confirmed that they froze accounts but now they will not let me recover access. They ask me to open a new account but when I try I get a letter back that I am not allowed and that my account is deleted. 


I filed complaints with them, the XXXX, the SEC and have heard nothing.
Product: Credit card

The XXXX XXXX XXXX has a credit card called Milestone. They sent me a pre approval & I went online were I was given {$700.00} with a {$75.00} annual fee.The card was mailed to me. I used it making purchases rounded up to about {$300.00} & started making payments. The payments never lowered the balance & they kept adding interest. They started calling me daily. I talked to the guy. Since I had paid {$500.00} already, ( thus the {$300.00} is paid off with {$200.00} in interest being paid ) he said when my lump sum came in from my employer, I could pay the {$700.00} ( they had me at {$990.00} still being owed ) & I would be back to a XXXX balance. Well, I paid the {$700.00} & I was left with over {$400.00} in interest yet to pay. I tried logging into my account with them & found I was completely locked out which means I cant look at my account to see anything.I tried to use the card to see if it was locked as well & it was. I called about my locked account & card with this never ending compound interest & a supervisor told me she would investigate then call me back with the results of the investigation. Never received any word on that investigation & Im at {$790.00} in interest being owed without any purchases.I cant use the card, the interest is piling without any purchases being made, Im locked out of my account, & Im ready to talk to my local prosecutor to see if I can press fraud charges. None of my other credit cards are like this. I still have the emails they sent me as well to pay a lump sum & then the interest would just go away. At this point, I want the card closed which they still refuse to do even after I sent out letters in the mail & this company investigated for fraudulent claims. {$300.00} dollars, {$75.00} of that is their annual fee, should never result in {$1700.00} in interest charges. Plus they changed their company name from GE Finance to XXXX XXXX. Too many lawsuits I guess. Issued by the XXXX XXXX XXXX & serviced by XXXX XXXX aka GE Finance.
Product: Checking or savings account

Incorrectly charged over draft fee on XX/XX/year>. Didnt catch it in time, now they wont return my money. I XXXX  to make my account positive and there system doesnt recognize it in time. Theyve done it many times in the past, incorrect charged me.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccuracies that require your attention. My basis for disputing these accounts are the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already corrected the inaccuracies in these accounts on their records due to identified errors. I find it perplexing that your agency has verified these accounts while the other bureaus have updated them. Therefore, I request that you rectify these accounts in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. 



Specifically, I dispute these accounts : 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 or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Credit reporting or other personal consumer reports

In early XX/XX/XXXX, I discovered that XXXX XXXX had reported inaccurate late payments on my credit reports, even though my account with them was closed back in XX/XX/XXXX. I contacted their support team multiple times between XX/XX/XXXX and XX/XX/XXXX to dispute the late payments and request corrections. 

Despite assurances from XXXX XXXX 's representative that they submitted corrections to the credit bureaus, the problem was not fully resolved. They removed one late payment but failed to address the erroneous XX/XX/XXXX late payment. 

Now, as of XX/XX/XXXX, yet another incorrect late payment from XXXX XXXX is appearing on my credit reports with all three bureaus ( see attached TransUnion screenshot ). This has unfairly damaged my credit scores. 

I have documentation of my communications with XXXX XXXX regarding the original erroneous late payments. I believe they have demonstrated negligence in handling my personal financial information and a disturbing pattern of inaccurate reporting, even after the issue was brought to their attention.
Product: Credit card

I have been totally hassled by the Gap Card credit card company 's Synchrony Bank. They called LITERALLY XXXX times, beginning at XXXX ON A SATURDAY, and then the calls continued throughout the week. They were instructed not to call back, and that payment was going to be made as soon as possible. I was barely late on XXXX payment, quickly got the account current directly thereafter, not even showing that I was late online. THEY STILL KEPT CALLING. Then, they called AFTER I made a payment, asking for a confirmation number for the payment THEY COULD SEE. Total harrassment. A total of XXXX calls from them IN LESS THAN ONE WEEK.
Product: Debt collection

It is suspected an ex is responsible for this account thats why they may have received payment from an account linked to me but this account is not mine. It was opened during a XXXX
Product: Credit card or prepaid card

My credit card issuer, Wells Fargo Bank, assessed with an APR interest rate hike beginning in my XXXX of 2016 from a 9.490 % to a 28.740 %. This rate hike was a direct result of their Call Center staff incorrectly setting up an auto-payment which was to continue for 3 months while I was traveling internationally. In working with my the local Wells Fargo Banking Representative, a member of their XXXX XXXX XXXX ( XXXX ) and a member of their Small Business Lending Operations staff they corrected problem with three additional, but unrelated, accounts. I 've attempted to follow up for several months ( and have supporting documentation to include statements and emails if necessary ) regarding the status of this specific account but never received any resolution or a complete response. In contacting them today to follow up with this issue they insisted that " they '' did, in fact, correct the issue but the account was delinquent. I informed them that I received no such notification and I then I proceeded to go through each invoice and read the interest rate and fee reversals to demonstrate the requests were incomplete. After that the representative informed me that they were not able to provide an alternative and advised me to contact the VP for the Small Business Lending Division ( XXXX XXXX ) but unfortunately I have yet to see any resolution.
Product: Credit card or prepaid card

I applied for and secured ( followed a hard credit inquiry ) a Business Advantage Customized Cash Rewards card from Bank of America, as part of opening a business checking account with their bank. 

Before applying and opening the accounts, I asked multiple representatives whether or not specific vendors would be eligible under their rewards categories, and they confirmed that vendors ( specifically, XXXX, XXXX, XXXX, and XXXX ). 

After spending XXXX days tracking down the XXXX codes to determine which category to select ( after opening the account ), I learned that these services are not eligible. 

Unfortunately, beyond Bank of America 's misleading sales practices, applying for an opening the account involved a hard inquiry into my credit, negatively affecting my score. This had a direct impact on my immediate ability to secure more favorable lending terms, which I was happy to experience if the bank had been honest about its product, but it wasn't. 

I have asked Bank of America to honor its agreement and add the codes to one of its rewards categories, but it has, to date, refused. It has also, to date, refused to do anything to provide an alternative method to ameliorate the situation.
Product: Money transfer, virtual currency, or money service

Completed an international wire transfer to XXXX on XXXX/XXXX/2017 in the amount of C {$55000.00}. The amount sent in USD was {$43000.00}. Giving an exchange of rate of 1.292599. Historical data shows an exchange rate of 1.3249 on XXXX/XXXX/2017. There were no disclosures given to me our my company at the time of the exchange.
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards to rectify the fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. Please help me remove these fraud items in my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} 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 TX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX
Product: Mortgage

The interest rate on my mortgage jumped from 4 % to 9.14 % in one month, there was no other change in my mortgage. My mortgage payment went from {$480.00} to {$700.00} in one month, I am a widow and I requested help through the company and was told that I am up to date on my payments and they could not help me. My original mortgage was a fixed rate mortgage and it somehow was changed to a variable rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report there some accounts that I did not authorize or belong to me. 
Here are accounts on my credit report that do not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX. # XXXX I have never received a single notice from any of the above-mentioned companies.I request validation and detailed verification.
Product: Checking or savings account

On XX/XX/XXXX there was a fraudulent debit card transaction on my account for {$140.00}. I notified Chase the day it occurred, XX/XX/XXXX. Chase has refused to reimburse my account in any amount for this fraudulent transaction, in violation of federal law. 

I reported this previously. Chase responded on XX/XX/XXXX. In their response letter, Chase falsely stated that I used by debit card after it was reported stolen. What actually happened was that I had previously verified with Chase the last valid transaction for {$1.00} at a gas station, on XX/XX/XXXX before the fraudulent transaction took place, and where I believe the theft of my card occurred. 

In the same letter, Chase advised me that I had the option to dispute this further. I was instructed to contact the executive office. When I called ( XXXX ), I was referred to someone named XXXX ( ext XXXX ) who was handling my case. I attempted to contact this person 3 times by phone, leaving voicemails with my information each time, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of my calls were returned.