23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

my car was totaled on XXXX XXXX, 2015. My insurance company and the gap plan I purchased paid the loan off. The payment is being reported as late. However, the insurance company had submitted payment paying off the car. I have tried on several occasions to resolve this issue with XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX I submitted Complaint against XXXX XXXX who created XXXX XXXXXXXX XXXX XXXX and XXXX XXXX as Trustee for this Trust who acted as Plaintiff in foreclosure-for-profit case XXXX, XXXX XXXX XXXX. I demanded a copy of Release of Lien after sale of my property on XX/XX/XXXX ; and proof of payment {$130000.00} ( cancelled check of wire transfer receipt ) received by XXXX XXXX XXXX XXXX for XXXX Trust to distribute to alleged investors in XXXX XXXX Trust. 
On the same day, XX/XX/XXXX someone from XXXX XXXX and XXXX XXXX XXXX likely XXXX XXXX XXXX XXXX personnel ) responded that they are not the appropriate companies to address my issues. I dont know the name of responsible Agent at XXXX XXXX and XXXX XXXX who made this false inartfully worded statement. 
If the complaint does not " belong to them '' whatever that means then why do they filed a foreclosure case against me ; confiscated and sold my property XXXX XXXX even received Judicial Deed and issued a Deed to the new property buyer? 
Is this an admission that they were neither creditor, Trustee nor servicer? When based on which legal authority XXXX XXXX XXXX acted as the Plaintiff in my case, and XXXX XXXX represented them as Trustee if none of them are related to it? 
XXXX XXXX and XXXX XXXX employees and CFPB needs to explain what this means and why they accepted that response. 
Is this an administrative finding that XXXX XXXX and XXXX XXXX never had any right, title or interest in claims to administer, collect or enforce the note or debt? Why they filed case XXXX and stole my property? Who received {$130000.00} after sale? Why XXXX XXXX  issued Deed after sale but never issued any releases to me? 
I demand responses from XXXX XXXX and XXXX XXXX, copy of payment ( cancelled check, wire transfer receipt ) for {$130000.00} received by XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX and a Release of Lien after sale to my creditor and to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan with lobel fincial was reported as 60 days past due when it was with a claim on gap insurance and was going to be paid in full all i had to do was pay the deductible befor my due date on the XXXX and i paid the XXXX for the deductible on the XXXX i was still reported as 60 days late and one my  accout was paid in full was reported as closed not paid infull
Product: Checking or savings account

I had received a check from my Grandma for {$25000.00} and I had made a mobile deposit with the XXXX bank on XX/XX/XXXX before XXXX as it stated on their app if I deposit my funds between certain hours I will be able to have access to my funds the following day. Unfortunately that was not the case once I was notified that they will be holding my check until XX/XX/XXXX. I had asked them to remove the transaction completely I will be going somewhere else to do my business because I need my funds today as I was gon na be traveling out of state for family matter. They again denied me that opportunity. Once I had spoken to multiple people about me having access to my funds and I had gotten nothing but an answer as a " No '' I had given up and decided to start contacting higher management who would be able to help me resolve this issue.
Product: Money transfer, virtual currency, or money service

I think this is a phishing email. I do have an account with XXXX. It is current and payment was neither for this amount nor made through PayPal.
Product: Mortgage

Last year, 2014, I went through Quicken Loans for a mortgage and it was the worst decision I ever made! There are so many different departments that my loan went through, I ca n't remember all of them, however, in the one department, XXXX took my loan, changed the interest rate from 4.125 % to 4.255 % so I can bring less to closing. I did not agree or sign off on the new interest rate but XXXX took it upon himself to change my rate and lock it in. I told XXXX to change it back and he could n't nor could his supervisor. I did n't know that I could refuse the loan at the time. I have an FHA Loan. 
They also " Guesstimated '' on my property/school taxes, which are public records. I 'm having a hard time paying my mortgage and bills. I would have never purchased this house and now from being behind on everything, my credit score dropped considerably that I 'm unable to get approved for another loan so I can purchase an affordable home and sell this one. 
I 've applied for a loan modification through Quicken Loans and they lost my husband 's pay stubs. They tried to say that I did n't send them but I have copies of what I sent them originally. This is also not the first time that they have lost my documents. I 'm tired of producing and reproducing information. 
Quicken Loans is the worst company out there and they 're awful to try and deal with. Some people are nice but for the most part they are just plain ignorant! One person told me that my credit score is more important than my mother who was in the hospital at the time with XXXX problems .... 
I would never recommend Quicken Loans to anyone and I 'm telling everyone about what they did to me.
Product: Checking or savings account

My account closed, with an amount of XXXX in It, and i went to the branch and they told me my account wasnt in the system any more and to contact XXXX the XXXX, Ive called them and they said they should not receive calls from the customers and i had my report mailed to me, .when It was mailed to me i took It back to branch and they told me the same thing as they said the first time then i contacted fraud department, enterprise frauds department, credit card department XXXX and they all kept referring me back and forwards, and i was in the line explain my problem over and over and all i was tryna do was withdraw my remaining balance of XXXX from a branch or get my remaining balance mailed to me in mail to my address .. nobody was able to Help and my remaining funds that i put in this account myself which is MY MONEY, is now in a closed /locked account and i cant acces my funds, ,and no one on the truist team can either and Im in need of my funds immediately, if you can help please,
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped by over 100 points from XX/XX/XXXX to XX/XX/XXXX. 
I have reviewed my credit report and all 3 scores from the main credit bureau. There are 2 accounts in question - my student loan account and my XXXX XXXX credit card. 

I was severed from my job in XX/XX/XXXX. My unemployment benefits ran out in XX/XX/XXXX and at the same time, my APR for that XXXX XXXX credit card increased from 0 % to 19.5 %. I was making payments, on time, but because of the increased credit rate, it put me over the credit limit and the payments I was making were still considered " late '' because I couldn't pay the entire amount. 

If you review both the student loan and credit card history, I have made timely payments for 3+ years. While I had an unfortunate circumstance due to the job loss and lack of income, that should not have affected my credit score by over 100 points in 30 days. The accounts previously mentioned are both current and have been since XXXX and XXXX and are in good standing. In reaching out to all 3 credit bureaus, I can not get an answer on WHY my credit score dropped so significantly in such a short amount of time. Also, due to Covid/Job loss, I would expect some grace would be given in this cirucmstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 Us Code 1681Congressional findings and statement of purpose under ( A ) Accuracy and Fairness of Credit Reporting ( 4 ) states There is a need to insure that consumer reporting agencies excercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. Equifax did not excercise their grave responsibilities with fairness doing this investigation. I called Equifax and told them I need verification of this account with paperwork and all the documents sent to me by mail of this account from XXXX XXXX and they told me they will send the documents proof of account. I have not gotten any paperwork of account. The conclusion of the first investigation that the account was closed. I know the account is closed but this account need to be verified with the proper paperwork or has to be removed altogether from my credit report by law. I as a consumer is not aware of any debt from XXXX out of XXXX Md. This credit report is being stated without my consent and I did not authorize Equifax to give this report Us code 1681b permissiable purpose of consumer reports ( 2 ) I have to instruct you by law to give this report and you have to have my consent. I have reached out and ask for information multiple of times for verification. You have to provide proof not just give your word that I owe any debt that I am not aware of by law. I as a consumer and the XXXX  need the paperwork to be sent and proof of account. If account cant be verified with paperwork, it has to be removed altogether. Equifax also just admitted that they gave false credit scores from mid XXXX to early XXXX due to a glitch with the system. I was affected with that also. By law you cant give out false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been disputing XXXX XXXX XXXX on my credit report and the ALL 3 BUREAUS have refused to open an investigation on my behalf. I have attached each letter of dispute for this account and no response from the bureaus. The Bureaus is in direct violation of the FCRA guidelines on conducting an investigation and it has been well passed the timeframe allowed to do so. I am now requesting permanent deletion. I keep excellent records and I do not want to have to file a civil suit against the bureaus with a Consumer Attorney for them being in violation of my consumer rights and them reporting inaccurate, erroneous information on my credit report. I have attached my Driver 's License and Utility Bill for proof of my identity. Please consider this my written authorization. 

Thank You
Product: Credit card or prepaid card

I requested two balance transfers for {$2100.00} and {$1500.00} on XX/XX/XXXX at around XXXX EST. The terms disclosed during the transfer ( screenshots attached ) were a 3 % fee, which was applied to my account ( as disclosed ) and a 0 % APR on these balances until XX/XX/XXXX. 
For some reasons, TD Bank  only " processed '' the transfers in the following days and is now saying the promotion had expired by the time they processed them. All this, in spite of the terms that were clearly disclosed to me during the transfer. As a result, they are now charging me 19.5 % on these balances. 
This is very deceptive advertising and, in my opinion, a gross violation of the most basic UDAAP compliance requirements. 
I contacted them and they have not agreed to their error or any corrective action. 
On a side note, their mobile app does not offer any payment option, the only way to pay is through the website, though the autopay system offered there does not work correctly. A double payment of $ XXXX ( statement balance amount ) was applied to my account in XXXX ( manual payment I made + remaining statement balance auto-paid 10 days later ). Not only their system doesn't process remaining balance amounts correctly but it applied a $ XXXX payment on an account with already a XXXX balance, which is a gross violation of the most basic AML rules. It took me 3 weeks to get my money back ... Their customer service is very inefficient. 
In my humble opinion, this card program should not be live to consumers.
Product: Credit reporting or other personal consumer reports

I mailed via certified mail a cease and desist letter to this company and requested specific information of the debt to be mailed to me, they did not do that. All they did was send me a statement with an account number on it and a balance, and according to my credit report, this company reported an inaccurate balance, I have proof of that with the statement that they just sent to me I have tried disputing the debt through XXXX and all they do is come back with verified and updated, this collection agency is reporting the account at {$840.00} and they just sent me a statement that says the balance is {$840.00}, but the original balance through the creditor was {$840.00}, three different balances
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of one or more collection accounts appearing on my credit report. I believe these accounts are being reported incorrectly and are negatively impacting my credit profile. Below are the details of the disputed accounts : 1.Creditor/Collection Agency Name : CREDENCE RESOURCE MANA Account Number : XXXX Amount in Dispute : {$1300.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have.

2. Creditor/Collection Agency Name : CREDENCE RESOURCE MANA Account Number : XXXX Amount in Dispute : {$180.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have.

3. Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$1200.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have.

4. Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$430.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have. 
5. Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$1100.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have. 
6. Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$1900.00} Reason for Dispute : The debt does not belong to me. I have no knowledge of this account and request verification of the debt, including the original creditor information and any documentation proving I am responsible. 
7. Creditor/Collection Agency Name : XXXX XXXX  XXXX Account Number : XXXX Amount in Dispute : {$1500.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have. 
8. Creditor/Collection Agency Name : XXXX XXXX  XXXX Account Number : XXXX Amount in Dispute : {$2400.00} Reason for Dispute : The amount is incorrect. The balance reported does not match any records I have. 
9. Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$920.00} Reason for Dispute : The debt does not belong to me. I have no knowledge of this account and request verification of the debt, including the original creditor information and any documentation proving I am responsible.
Product: Checking or savings account

I have recently attempted to open a bank account at several locations which ultimately makes me look bad on my consumer report come to find out some had used my social security number to open 2 bank accounts with Bank of America N.A in 2013 with my social but different identification number. I have made several attempts to work with Bank of America in person at several locations explained my situation advised them of my wallet being stolen and how I had made a police report in regards to my car being broken into and how my wallet had been stolen from my car, they disregarded me and reported me to XXXX XXXX as fraud, which has prevented me from establishing any type of bank account or being credit worthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I challenged a XXXX XXXX  account with Experian, XXXX, XXXX, and with XXXX XXXX directly. This account is really old and should not be there anymore. It is months later now and I have not received any correspondence. So I decided to check my monitoring sites and the account doesn't even show that it's disputed. These companies have fully ignored my request to have this old account removed and it is simply unacceptable.
Product: Credit reporting or other personal consumer reports

I be trying pull up my credit score and report from Equifax but they been giving me a hard time. Equifax is saying its because of my address but I have followed every step from there online address verification, mailing verification letter which I sent XXXX letters, XXXX in XXXX and other recent in XX/XX/year> and has called numerous times. I'm currently trying to get approved for something and this is halting me.
Product: Mortgage

XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning ofXX/XX/XXXXall payment went through XXXX XXXX as well they have a XXXX  that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistanly look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating that my account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may contravene the Customer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFBAs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB takes action to ensure that Experian complies with federal law and provides customers with the necessary proof of investigation. These accounts are XXXXXX/XX/XXXXand XXXX XXXX.
Product: Credit card

Please see attached letter which has all the dates and amounts. In a nutshell, I discovered XXXX charges that I never made. Reported them to Truist immediately. They investigated and ascertained that they were scam charges. The credited me with the smallest of the offending charges ; some $ XXXX. They have never did anything about the XXXX larger charges. About XX/XX/2023, I received XXXX letter from Truist saying that they would credit XXXX amounts inspired no doubt by my previous complaint ( XXXX ). 

To date no credits.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received an alert from all three credit reporting agencies that a hard inquiry from XXXX XXXX XXXX XXXX had been placed on my account. This hard inquiry was fraudulent, and I never applied for any home loan because I am a XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX, and they informed me that they would stop the application and investigate it. XXXX later informed me that the application submitted was fraudulent, and they would have all three credit reporting agencies remove the hard inquiry and send me a letter. I called XXXX fraud department at XXXX on XXXX occasions, informing them that XXXX and Equifax were refusing to remove the XXXX inquiry. They informed me that they would send another XXXX requests to both agencies, but only XXXX removed the inquiry in XX/XX/2023. I also called XXXX and Equifax on several occasions, and they informed me that they wouldn't remove it even though the copy of the letter I got from XXXX to show proof wasn't enough. They told me that they never received a request from XXXX XXXX XXXX XXXX to remove the hard inquiry. XXXX XXXX XXXX has been very helpful in this case, but XXXX and Equifax have credited a hardship preventing me from getting a commercial business loan for a contract I was supposed to get.
Product: Debt collection

Resident Collect, Inc. continues in their attempt to collect a debt that was discharged in a Chapter XXXX bankruptcy in XXXX 2013. They have sent collection notices and have called my cell phone. My attempts to contact them to inform them that they were listed as a creditor in the discharged bankruptcy have been met with accusations of me lying about the bankruptcy ( I tried to provide them with the case number ), hanging up on me and then calling me back a few minutes later and when I answer they hang up on me again. During a phone call to them, I was explaining that this had been discharged and the rep said in a very sarcastic, belittling manner, " Yeah ... ok ... I highly doubt it ''. When I informed him that I was going to call my attorney about this he stated, " You do that if you really even have one ''. I asked them why they were continuing to attempt to collect a debt that was discharged in a bankruptcy, I was told, " Obviously you owe the money and there was no bankruptcy - so sounds like you need to pay up ''. 

I called my attorney and they verified that RCI was listed as a creditor and that this activity was indeed illegal. She advised me to fax or send them a letter explaining what I have tried already and to include a copy of the discharge. I have tried to contact them to obtain a fax number and as soon as I explain to the rep what I need the fax number for and give them my account number, they hang up on me. I do not want this account updated on my credit report since it was included in the bankruptcy and is not a current debt. I want ALL of their collection activity tactics to cease immediately.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to CITI CARDS/CITIBANK, yet CITI CARDS/CITIBANK is not removing this fraudulent account. CITI CARDS/CITIBANK has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : CITI CARDS/CITIBANK / XXXX.