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

I am having some issues with addresses on my file that are not accurate. My XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/1963, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Mortgage

I refinanced my mortgage held by Bank of America, with another lender. B of A loan was paid off XXXX/XXXX/15. On XXXX/XXXX/15, knowing the loan was going to be paid off, I removed my authorization for automatic payments on the B of A mortgage. On XXXX/XXXX/15, they made an unauthorized withdrawl from my account for the already paid off loan. They told me it would be refunded ... in 10 days, along with my escrow balance. How nice of them, to steal from me and use my money for 10 days before returning it! THIS IS FRAUD AND SHOULD BE PUNISHABLE AS SUCH! They had no problem closing my account immediately, as I was no longer able to access my B of A mortgage account online as of XXXX, so I could not verify what other charges they put through. I 'll have to wait to see my final statement, in 10 days for that. Also, in the refi process, I was charged a {$30.00} fee for an 'expedited ' payoff balance 'expedited ' meaning via email ... if they paid postage to mail it, it would be free! Just more XXXX that should be regulated. I researched at the time, and their website said the payoff could be updated at no addional charge, and that they could not give a payoff balance to anyone without my approval ( well, this happened XXXX )!. The payoff balance apparently expired on XXXX, and I was charged an additional {$30.00} for the new lender to get another one. I called and was told there is a charge for each payoff balance processed. cost me {$60.00} for them to say what is owed, and then, they take an additional {$1600.00} of my money anyway, so the actual payoff total was meaningless!!! I am requesting a refund of {$60.00} pay off service charges for their fraud, and hope there is legal action that can be taken to prevent similar situations in the future. It wo n't happen to me, as I will never do business with Bank of America again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday and today I was called from a supposed customer service of Capital One Bank from this phone number XXXX and urging me to complete my requested application # XXXX -which I did not-. I closed my account since XXXX and someone else has made inquiries on : XXXX and XXXX by Cap One NA. To follow instruction of Federal Trade Commission website, I called to Capital One Contact Us phone to report this problem. What happened? The same fraudulent scheme as before I got. I listened everything like automatized bank system usually says, I asked for a customer in XXXX, I was assisted by XXXX, a XXXX customer assistant, he listened me and put me in hold few minutes, when he came back on the phone, he asked me for my entire social security number and put me in hold again, when he came back, he said to transfer me to fraud department, then another XXXX girl was as a customer assistant, by curious I listened all the noisy in her background like she was working at her home. She asked my entire social security, so I suspected they are taking our data like fraud scheme to continuing scamming me. That needs for a deep cyber security investigation. 
Can you believe the fraud gangs have their connection inside the institutions?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit for a contract with XXXX that cancelled in XX/XX/2015 due to financial hardship. The company allowed me to cancel the contract per their policy to consider hardships. I sent in the cancellation letter as requested by the XXXX at the time I needed to cancel. It was received. I was told by a representative the contract would be canceled and i would be released from financial responsibility. Years later, XXXX and XXXX XXXX not honoring the cancellation - it's being reported on my credit. I provided Experian with proof I submitted the cancellation, as well as the company 's policy on reasons for allowing cancellations. XXXX XXXX and experian refuse to remove the debt from my report.
Product: Payday loan, title loan, or personal loan

MY CREDIT REPORT IS STATING I MISSED 3 PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has filed its legal obligation under the Fair Credit Report Act ( FCRA ) to a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, I am requesting immediate correction action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on   XXXX   XXXX   i called Equifax 3 times, was hung up on twice, the last person named   XXXX   took my complaint and he said that for inquiring on    XXXX   XXXX   XXXX    this will add another 10 years which will not remove til    XXXX   XXXX    This is a fake. this account has been inactive since   XXXX   this is now  XX/XX/XXXX , i then called   XXXX   XXXX   and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a   XXXX   XXXX  , i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago.   XXXX   XXXX    is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -   XXXX   took the help of the   XXXX   because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on Equifaxs form:
equifax report

  XXXX   XXXX  

  XXXX   XXXX   

  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a XXXX  concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  are fraudulent on my accounts : XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Experian and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

On or around XX/XX/2018 I pulled my credit report. I had been alerted that I had a creditor in the name of Aldous & Associates, P.L.L.C under the Derogatory Marks. I immediately clicked on the company info and retained a phone number, I called the company to inquire about what this debt was about? They had indicated that I had a gym membership with XXXX that had not been fulfilled. I indicated, your company must have a mistake because I have finished the 12 month contract and I also have an email where I cancelled membership, I emailed the company to cancel membership as directed to by a XXXX employee. They were nice at first and requested I send them a copy of the email, I did. a couple days later I followed up, the representative I was speaking with indicated they verified the email with the company and indicated they were told this was an improper way to cancel membership and would not be valid. He then proceeded to request payment. I indicated there was a mistake and I would contact XXXX personally. I then proceeded to call XXXX, they indicated they have since turned my account over to Aldous & Associates and would need to make contact. I then proceeded to call Aldous & Associates back and request a copy of the original contract that was signed. They indicated I would need to send a letter in writing. I then proceeded to send formal, certified letter to the company. The first letter was on XX/XX/2018 I had no response. I then sent another letter to the company on  XX/XX/2018, also certified. within these letters I informed the company they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure " notice of dispute '' within 30 day period and the company is reporting inaccurate information to the credit bureau. I then received a letter from the company on XX/XX/2018 showing the account is " Verified '', Since this began in XX/XX/XXXX I have been on a constant monitor of my credit report and after several attempts with Aldous and Associates they have yet to remove the inaccurate information from my credit report. I then proceeded to send a third letter on XX/XX/XXXX and still to date have not had another response from the company besides phone calls all day long requesting payment. I have looked at my credit report every month and they continue to report inaccurate information, even after violating the Fair Credit Report Act. I have certified letters, bearing signatures signed for them and have copies of my credit report to verify all information listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student credit card from Wells Fargo that was closed in XX/XX/XXXX but Wells Fargo kept reporting late payments until XXXX even though the credit card was closed and that has been hurting my credit score I had set up an agreement they canceled my account where I couldnt make any payment anymore that was the reason why they closed but yet still continued to repot late payment on this significant account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an issue with my XXXX credit report not reflecting my mortgage or Heloc loans. 

XX/XX/XXXX - Notified via my XXXX app that my score dropped XXXX points ; looked at my report and saw that neither my primary mortgage or my Heloc were reporting from First National Bank ( FNB  ) as usual ; sent an email to XXXX  inquiring about this issue XX/XX/XXXX - received email from FNB that mortgages are in good standing and have been reported ; told to use the credit section of my FNB app to sign up for credit reporting through XXXX XXXX XXXX XXXX', of which I did not do this since they are not one of the top XXXX credit bureaus ; filed a dispute with XXXX ( XXXX ), also filed a dispute with FNB ( XXXX ) ( No response at all from either company ). 

XX/XX/XXXX - called XXXX again and told by XXXX that FNB is not reporting ; that XXXX can not assist me ; dispute was useless XX/XX/XXXX - sent email to XXXX customer service that they are in violation of the Fair Credit Reporting Act due to their unwillingness to correct inaccurate information XX/XX/XXXX - told by FNB mortgage representative ( XXXX ) that XXXX refuses to report ; told this is affecting all FNB customers yet the FNB mortgage services department will not release anything in writing to it's customers and said their legal department is " aware of the issue '' yet no notices were sent XX/XX/XXXX - called XXXX again and was told that " what is showing is reflecting what FNB is reporting '', yet the other two reporting agencies of XXXX and XXXX are both showing my FNB loans ; XXXX refused to assist and refused to file a new dispute. 

XX/XX/XXXX evening- received a call from FNB mortgage department ( XXXX ) stating they had just received an email that XXXX 's reporting should be " turned back on '' by Thursday, XXXX XXXX. 

Both companies are in grid-lock saying it's the other one 's fault. Neither have fixed my report and both have failed to notify customers or respond to disputes for two weeks. I have documented this in writing to both companies. Someone is not telling me the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about 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 Fl 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 . I have contacted the FTC and local police.
Product: Checking or savings account

ALL XXXX TRANSACTIONS/ DATES AND TOTALS ARE LISTED IN THE UPLOADED DOCUMENT. 

PNC BANK HAS ALLOWED FOR XXXX  XXXX TO TAKE XXXX UNAUTHORIZED PAYMENTS FROM MY ACCOUNT, THIS ALL STARTED BACK IN XXXX WHERE SOME XXXX OBTAINED MY ACCOUNT INFORMATION FROM PNC AND HAS BEEN TO THIS DATE STEALING FROM ME, THIS TOTAL IS NOW OVER XXXX AND PNC HAS REFUSED TO DO ANYTHING AND HAS BEEN TELLING ME TO FIGURE IT OUT. 

NOW I AM TRANSFERRING TO ANOTHER BANK XXXX AND WANT TO MAKE OTHERS AWARE TO NOT BANK WITH PNC AS IF YOU ARE EVER IN THIS SITUATION THEY WILL NOT CARE NOR HELP YOU. 

THEY CONTINUE TO TELL ME TO TAKE IT UP WITH CAPITAL XXXX AS IF THEY ARE ALLOWED TO SHARE INFORMATION FROM ME REGARDING THERE CLIENT WHO IS STEALING FROM MY BANK XXXX. 

THE PROBLEM HERE IS PNC IS LIABLE AND CONTINUES TO XXXX THIS AND PAYMENTS JUST KEEP COMING THROUGH. I HAVE BEEN TO THE BRAND A DOZEN TIMES AND HAVE ASKED ALL PAYMENTS FROM THIS VENDOR BE STOPPED, THEY CONTINUE TO COME THROUGH AND THEN TELL ME SO SORRY NOTHING WE CAN DO. THEY SHOULD BE HELD LIABLE THIS IS NOT OK. 

I WANT OTHERS TO BE AWARE SO THEY DON'T NEED TO EVER EXPEREINCE WHAT I AM EXPERIENCING,
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent wells fargo a cease and desist in XX/XX/2023 giving them 4 business days to cease all communication by mail, phone calls, text and my consumer report. and per federal law the ONLY communication that should be sent to me is WELLS FARGO confirming that they will cease all efforts and that they have complied with ALL written instructions that i requested however they are still on my consumer report a month later. I got a letter from them stating they will need 10 days to resolve the matters. i am denying them those 10 days!!! they need to follow federal law and cease all communications effective immediately especially communicating with me indirectly through my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

XXXX responded XX/XX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XX/XX/XXXX on my credit report and XXXX told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XX/XX/XXXX. 

XXXX responded XX/XX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XX/XX/XXXXand XXXX has not responded. 

Equifax responded on XX/XX/XXXX and removed the accounts, and appeared on XX/XX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XX/XX/XXXX and was not showing any of the accounts due to fraud now as of XX/XX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XX/XX/XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.
Product: Mortgage

We have repetitively requested an RMA but have only been met with increased payments rather than lower, information not sent, incorrect wage information, lack of reviewing our current salaries, inflated inaccurate appraisal, constant turnover of employees, we have yet to speak with any person more than once. It has been an exhausting, draining gargantuan effort on our part to the point of just plain mentally abusive behavior on the part of SPS. 
We are including a 54 page dialog and example of our strident attempts at a resolution. This packet ONLY encompasses the months of XXXX - present. 
After review, we are confident you will find all the information needed to outline actions, dates and amounts. 
The packet runs chronologically from most current to earliest dialog in XXXX.
Product: Credit card

XXXX issue with my citi credit card account!. I filed online on XXXX/XXXX/15 for an electronic payment to be posted to my account of Friday XXXX/XXXX/15. Citi debited it from my account on XXXX/XXXX/15 which caused an overdraft. Then when the payment was processed from my bank on XXXX/XXXX/15, CITI says they have posted the payment to my account but it is still not available on my line of credit as of XXXX/XXXX/XXXX. I have an unauthorized recurring charge from XXXX NY a dating service which i unsubscribed to several weeks ago. Since then CITI has authoriized XXXX charges of {$49.00} to the merchant and not only will they not refund they stated they can not suspend/discontinue any further payments to the vendor even thoughI have reported it as fraudulent
Product: Mortgage

I put in an offer on a house which was accepted on XXXX/XXXX/2013. I had already been pre-approved by Military Family Home Loans ( co-owned by XXXX and Wells Fargo ) who was the originator of my loan. I had to constantly re-submit requested documentation due to dealing with " XXXX underwriters ''. Additionally, I was never presented with the closing paperwork prior to actually closing on my house. The closing date was set for XXXX/XXXX/2013, and as of XXXX the night before we still had not received the closing paperwork or final amount needed for the down payment. On the day of closing, the paperwork was finally received shortly before closing at XXXX, and I come to find that my monthly payment was increased to {$1700.00} a month, approximately 11 % more than the original {$1600.00} I was quoted in the Uniform Residential Loan Application/HUD. Upon calling my loan officer, I was informed that the underwriter made a mistake regarding property taxes, and there was nothing she could do. Therefore I had no choice but to close at that time, or risk losing the house.
Product: Debt collection

Debt collector United Revenue reported to the credit bureau that I OWE {$1400.00}. According the XXXX United revenue is not registered in the state of Texas to collect debt. Ive called debt collector XX/XX/2024 to verify the debt collector license as well as an email for verification.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report.On XX/XX/scrub>XXXX XXXX XXXX XXXX reported to all three credit bureaus a debt in the amount of {$270.00}. I recently submitted a complaint with this company and after reviewing their response I noticed they are trying to collect a debt that was closed due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/18 I reported complaint # XXXX. This was reported on my credit report in error by XXXX XXXX XXXX for {$610.00}. I followed up and reported this was identity theft and I never owned this account with XXXX. This was removed from my credit report in XXXX. However now another company ( Waypoint Resource Group ) on XX/XX/2018 placed this back onto my credit report showing the same amount owing {$610.00}. This is incorrect reporting and identity theft and I need this removed immediately please, I'm in the process of buying my family a home. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX says to be open in XXXX  and thats false. Settlement accounts were promised to be removed in XXXX. Wrong address XXXX XXXX XXXX is an adress ive never lived at. They continue to uodate accounts that should have fallen off. I have had fraud on my account of which I reported. And they did not properly investigate. When asked dor signatures of mine, never was provided.
Product: Student loan

Per the billing statement sent by MOHELA on XX/XX/XXXX, my total current balance was {$510000.00} ; however, as of XX/XX/XXXX, my total current balance is XXXX. My loans have been in forbearance since XXXX of XXXX due to the XXXX XXXX being contested in the courts. MOHELA stated that no interest would accrue on balances that were in forbearance as long as the XXXX XXXX was held up in the courts. How, then, has my student loan balance increased by {$6200.00} in XXXX months?