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

Good Afternoon. 
I have taken advice from all three paid credit burough service platforms created to help and protect the public. Each paid service also advises on how to increase your Fico score. They also claim to help the consumer tobremove information that is derogatory due to inaccurate reporting..examples : Credit, loans, address misinformation from external sources. 
I have followed the steps to repair, retore, increase Fico and Credit scores from the following : Experian protection and score updates. XXXX two separate and consumer pay for alert and advice..And another service from XXXX. 

I pay each Credit Agency monthly an or yearly. 
I have a complaint and also I feel that I need to advise you that these services have both helped and hurt my Fico and My overall Credit scores. The services heavily push applying for Credit cards and in my case push to apply for personal and home buying loans. 
Hence my score is down. 
Experian will not lock my report. I have upgraded to the highest level of credit protection service and still no help acquiring my Fico.. no help making a dispute ... I have 5 or more incorrect claims in my reports. 
Yet a Store Card sent a letter notifying me that they are lowering my credit XXXX dollars due to information obtained by Experian, XXXX and from XXXX. The card had a small limit of XXXX. I used the card twice. I paid off the card after the first use and I currently have a small balance of which I will pay off and close the account. 
I have other concerns. 
Please help. 
Thank you.
Product: Credit card

I was a discover card holder as of 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

About a XXXX months ago ( XXXX XXXX ), without any warning and notice in advance, the company closed my account and thereby wiped out my 3 years of credit history associated with Discover card. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. 

Most importantly, I have about {$1100.00} cashback bonus in my account when you close my card, and I was told by discover agent that they will return my cashback bonus in two bill cycles. But I wait for two bill cycles, and get nothing from them. 

Today ( XXXX. XXXX ), I called them about the cashback bonus. They told me that when my account was closed, the cashback bonus " was forfeited ''. However, in their website, they say that " We will credit your account with your Cashback Bonus balance if your account is closed or if you have not used it within 18 months ''. 

As a credit card company, the most important thing is to fulfil your promise ( contract ) with consumers. But now, this company uses its real actions to prove that they do not follow the contract. 

Moreover, upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX ) without a just ground. I believe that CFPB is or will be getting more similar complaints in the near future. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put in an end. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap. XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Mortgage

Fay Servicing took over my XXXX XXXX mortgage account in XX/XX/XXXX. I filled out loan modification paperwork through XXXX XXXX and faxed it in before the deadline. However ; there was a transfer and XXXX XXXX transferred my loan modification paperwork to Fay Servicing. 

Now that my account is with Fay Servicing ... Fay Servicing lied throughout the whole process ; from stating they never received my paperwork [ during the initial stage - a Fay Servicing Rep confirmed receiving my paperwork ], as well as stating that the Fay Servicing account manager assigned to my account - has not had the time to look over my paperwork [ I spoke with her once and mistakenly gave her a good rating via the survey-but she actually lied too ; and stated she never had my loan modification paperwork, and that a new servicer will be taking over soon ; and that she does not see a foreclosure sale date, while also informing me to contact the Sheriffs office to look further into ] ; To [ Fay Servicing reps ] also constantly denying a foreclosure sale date when it was very much recorded on the Sheriffs foreclosure sale date list ; while additionally ; the Sheriffs office confirming that there is such a sale date. 

There had also been dual tracking, also the supervisor not willing to resolve, and making comments such as ; its a long time [ implying the need to foreclose ], you shouldnt point fingers [ at Fay Servicing ]. 

When they were no longer handling the acct ; XX/XX/19 ; Fay Servicing then mentioned that the company now sees a foreclosure sale date. How convenient - when they are no longer handing my account. 

What transpired also on Friday XX/XX/19 ; they wanted me to fill out their company loan modification paperwork. Fay Servicing stated on XX/XX/19 ; that my loan modification paperwork had been found ; that there had been missing info on the 4506T. Ok-nonetheless ; I could have rectified that issue by simply faxing it back to them. But no-they did not want the XXXX XXXX loan modification paperwork. They wanted their very own loan modification form to be completed. 

Speaking of their forms ; on the form it was noted to schedule an in-house inspection. I never heard of that. 

Usually ; from what I gathered ; the exterior is looked at. 

Moreover ; Fay Servicings modification form could only be filled out if there had not been a sale date within/before 37 days. There was definitely a foreclosure sale date within/before the 37 days ; [ that Fay Servicing vehemently denied until XX/XX/19 ]. 

On XX/XX/19 ; XXXX XXXX XXXX took over. 

So far-XXXX XXXX XXXX ... just as bad ... .On XX/XX/19 ; they did not see a foreclosure sale date ; transferring me to their lender [ how many lenders are there ] that verbally stated - he could not help me ; due to my circumstances. 

Therefore prompting me to fill out an adjournment at the Sheriffs office ; while going through the process of seeking an Attorney.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A. I never gave verbal or written consent allowing the following items to report on my credit report. I am also a victim of the equifax data breach. 
XX/XX/XXXX ACCT. # XXXX XXXX XXXX ACCT. # XXXX XX/XX/XXXXACCT. # XXXXXX/XX/XXXXACCT. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00}.
Product: Checking or savings account

I provide debt relief services, and Global Client Solutions LLC " GCS '' ( a subsidiary of XXXX XXXX XXXX ) establishes for my clients a sub-account within a master custodial account maintained at a FDIC-insured bank. My client ( s ) authorized a fee payment to me which GCS stole and absconded with the funds.
Product: Checking or savings account

About six weeks ago I opened a Chase Total Checking account and all went well. In fact, I was so impressed with the service I planned to open a business account until the events of the last few days. On or about XX/XX/2021, I opened a cash management account at XXXX. On XX/XX/2021, I asked XXXX to transfer {$100.00} from my Chase Total Checking account to my XXXX XXXX account which was done. 

On XX/XX/2021, I asked Chase to link my Total Checking account to my XXXX XXXX account. This is THE SAME ACCOUNT FROM WHICH THE INITIAL DEPOSIT WAS MADE BY XXXX WITHDRAWING THE MONEY FROM MY CHASE ACCOUNT. 

Chase set up two trial deposits which I reported and then Chase stated this XXXX XXXX account was linked. On XX/XX/2021, I attempted to make a transfer thru my Chase account to withdraw {$100.00} from my SoFi account. Then all XXXX broke loose. 

My account was frozen SO THAT I COULD NOT READ ANY MESSAGES AS TO WHAT HAD HAPPENED. An email cited " suspicious activity. '' I discovered this at XXXX XXXX  ( I trade the world 's financial markets from XXXX XXXX  to XXXX XXXX  eastern time ). I was told that I had to wait until XXXX XXXX  for clarification. I spoke to two people and after one hour of " validation '', my account was unfrozen. I was told that the reason for the freeze was the inability to validate the account at XXXX XXXX which made no sense since Chase sent money to this very account and verified it with two trial deposits. I asked twice for a written explanation and they refused stating that I must call.

I would like a written explanation of the problem and why I needed to be damaged by the freezing of my account. It cost me thousands of dollars in wasted time from the markets to play these games with Chase. A simple refusal of the transfer and a written explanation of why would have sufficed. Chase seems to be drunk with power.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists These are the accounts I'm referring to XXXX XXXX account closed XX/XX/XXXX. XXXX XXXX XXXX account closed XX/XX/XXXX XXXX XXXX account closed XX/XX/XXXX XXXX XXXX  account closed XX/XX/XXXX The XXXX XXXX XXXX account closed XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Experian put a collection action against my credit report that was not mine. XXXX, 2024. I have filed a police report, tried working with the collection agency. Experian did remove the collection action. My credit score was in the XXXX range, dropped to XXXX due to fraudulent activity. Once the collection was removed Experian has not put my credit score back to where it was previously. They claimed there was nothing they could do regarding my score and that I would have to file a dispute with this agency. I am being punished for the collection that has been cleared and should have my credit score repaired to the number it was prior to this identity theft and fraud
Product: Debt collection

Please remove these inaccurate accounts from my credit report it's not mine under 1681i, delete this within 15 days. 

XXXX account # XXXX bal : {$2500.00}
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report and they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraud items on my credit report that need to be removed. Ive tried contacting the creditor that these are not my items with no luck. The first Collection is XXXX XXXX XXXX ACCT : XXXX. Ive never opened a XXXX account under my name. Someone is using my information as fraud ever since this credit breach. 

The second account is XXXX  XXXX ACCT XXXX, Ive never had an account or visited XXXX  XXXX. Not only is this a breach of contract releasing records but FALSE records at that. Someone is using my name and my information and a freeze needs to be on my account
Product: Student loan

I was told over the phone by a customer service representative that since I was still in school that my deferment/forbearance was delayed an additional 6 months. I then received 3 consecutive months of delinquent account records ( XX/XX/XXXX-XX/XX/XXXX ) on my credit score from 4 different accounts from the student loan lender Dept Of Ed/navient. I have attempted to contact them about the situation and they disregarded my concern in XXXX/XXXX. I then attempted to file a dispute through the credit bureaus in XX/XX/XXXX. 

The student loan company Navient is known to do this for countless of its customers. The customer service reps are not professional and will tell you they did something for you when they did not. I am asking that this get removed from my score since it is effecting my ability to find a place to live while I am still a student. 

I will make payments once I am out of college immediately. I ask that they remove these records as it is their mistake and completely unfair since I received the wrong information over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

One address on my XXXX XXXX is correct. The other one is shady. Please correct this problem. The address that is shady is XXXX XXXX XXXX XXXX XXXX IN. XXXX-XXXX  This is not mine. Please look into this since my identity was already stolen If you can help with this I would feel like a monkey stuck in a banana factory. 

Thank you. 

Regards, XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX CFPB - WELLS FARGO XX/XX/XXXX ORDER : RE : Wrongful Foreclosure XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Dear Sir or Ma'am ; Today at XXXX hours I phoned Wells Fargo XXXX & spoke with XXXX. The bank could NOT confirm that I am included in the settlement, does NOT have a list of affected customers to add me too, has NO email I can send this to, and claims it is reviewing all customers are being reviewed and if included a letter will be sent, but they have NO expected end date for this? 

This is unacceptable! 

My home at : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. 
Was wrongfully foreclosed by Wells Fargo on XX/XX/XXXX which is in the period mentioned in the XX/XX/XXXX CFPB XXXX, XXXX XXXX. XXXX l. 

Enclosed : XXXX ) Deed of trust # XXXX, XX/XX/XXXX. 
XXXX ) Deed of Reconveyance # XXXX, XX/XX/XXXX. Wrongful Foreclosure XXXX XXXX ORDER. 
See https : XXXX XXXX ) Trustee deed of trust # XXXX, XXXX. 

Please ensure I get my share of the {>= $1,000,000} for home owners. 

Thanks, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX
Product: Mortgage

My husband and I purchased our home XXXX with XXXX XXXX XXXX with a 30 year mortgage. 
We refinanced out home in XXXX with XXXX XXXX with a 15 year mortgage ( 180 months ). 
It was then sold or transferred to Option One Mortgage Co. in XXXX ( showing a 30 year mortgage? How can his be? We never signed off on loan in the amount of {$100000.00} and in looking at the HUD its shows that they paid a company the amount of {$270.00}. No way would we have refinanced for this amount.THIS is where the problem started.The loan # XXXX It was the sold or transferred to Ocwen XXXX account # XXXX, this company name changed to Homeward Residential Account # XXXX. 
The next company was sold to XXXX XX/XX/XXXX ( now XXXX XXXX as of XX/XX/XXXX, the account # with XXXX was XXXX. 
This was a constant flip flop.I see individuals account go into a bucket and companies just grab. Well with all of this I decided to refi with XXXX XXXX Account # XXXX XX/XX/XXXX. By now You know what happened? Oh yes it is now back with XXXX as of XX/XX/XXXX Account # XXXX. 
The next question you are asking is what have we been doing to straightened this out? 
We have been with 4 Attorneys to no avail. The most resent Attorney says the unable to verify whether our signatures were duplicated and referred me to you. So I guess this is the last result.I have sent letters to all involved. No response from XXXX.The ones received are attatched.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I also understand that the credit bureaus have been allowed and additional 15 days to investigate, and yet still have not received any investigation results.
Product: Credit card or prepaid card

According to my Chase card statement, my payment of my {$1100.00} balance went through on XX/XX/23, after which my balance was {$0.00}, on the same day, XX/XX/23. I was then charged {$22.00} in interest on XX/XX/23, the day after my balance was {$0.00}. I am complaining that I was charged interest after my balance was {$0.00}. A {$0.00} balance should incur no interest. 

I tried calling Chase customer service to request a refund of the {$22.00} interest charge but was told by the representative that there was nothing she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX, Florida, to test drive a new car. I found a car I liked and negotiated with the saleswoman, XXXX XXXX, but we never reached an agreeable price. I specifically asked her if the credit inquiry she needed would appear as a hard inquiry on my credit report, because at that time I was not applying for any type of financing as we had not agreed on the sales price. She specifically told me that the inquiries are soft inquiries. However, I noticed today that not one, but two, hard inquiries are appearing on my Equifax report. I tried to contact Equifax online and by phone but was unsuccessful.
I would like these two hard inquires-one from " XXXX  '' and one from XXXX XXXX XXXX, XXXX datedXX/XX/XXXX, to be removed from my credit report as soon as possible, as I am currently trying to finance a new ( or used ) car.
Thank you for your time.
Product: Credit reporting or other personal consumer reports

These are the accounts that I have ask Experian, XXXX, and XXXX to remove from my report because they do not belong to me. Ever since all XXXX bureaus has had a data breach to where my information that they are supposed to keep safe and not let anyone pull my credit or place anything on my credit has been hack and now everyone has my information. These accounts and inquiries need to be validated if not validate correctly it needs to be removed as soon as possible from my credit. I need the original purchase agreement for debt, Insurance claim of the debt, the XXXX with the original creditor, and the statute of limitations and last payment missed on the debt if this was my debt. These are the Collection : 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 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

XXXX  account ending in XXXX is not my account and doesn't belong to me. I did not authorize or approve for any loan or credit to be used in my name. I do not have any business with this company. I reached out and spoke to XXXX XXXX on XX/XX/2024 and she stated they had 5 contact numbers for me which none of those belonged to me. The account is showing 60 days late on my credit report for {$100.00}, and this account should be removed.