23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Divorced and paid off mortgage when sold property. Escrow refund was sent to two named payees with my name appearing first. Check was forwarded to second payee who mobile deposited into individual account and mortgage company accepted check when presented by bank although check was endorsed with only one signature ( not mine ). Bank representative stated policy is to require both signatures but mobile deposits are handled differently, that mortgage company should not have approved with only one signature.
Product: Credit card

The basis for my dispute is that CAPONE was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation that they complied with this requirement.
Product: Mortgage

Until XX/XX/XXXX, my mortgage was serviced by XXXX. I paid my mortgage monthly through my online account. In XXXX, XXXX dissolved and I was unable to access my account online, and I didn't know to who or where it went. I did not receive any information until the end of XX/XX/XXXX. I have tried to create my online account through NewRez and Shellpoint ( it is not clear where my account currently resides ) to bring my account current. I am not able to access my account online through NewRez or Shellpoint. 

My account manager does not return my phone calls and emails, my account manager does not return the State of Montana 's phone calls and emails ( I qualified for covid mortgage assistance, and the State of MT is attempting to submit payments ), I can not access my account online to pay my monthly payment, and I am getting very concerned about how my account is being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about transunion and XXXX  credit reporting agencys. I have a XXXX XXXX XXXX XXXX account reporting on my credit report that does not belong on there. I am uploading proof from XXXX that they completed there investigation and this account is not reporting on my XXXX credit report. All my reports should be reporting the same. On top of this XXXX has sent me a letter stating if I do not send in additional information they willing not re-dispute this account for me thats not right because having this wrong information is affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX Transunion, XXXX, and XXXX  all added a derogatory remark to my credit report each of them lowering my credit score considerably. I discovered that they have been including a report from XXXX XXXX XXXX  of XXXX, IL. This item should not be on my report. The bill now belongs to XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX. This condition of the debt belonging to XXXX was adjudicated by the XXXX County District Court Judge as a part of our divorce decree and settlement. This document " State of Illinois in the circuit court of the XXXX XXXXudicial circuit county oXXXX XXXX '' file number XXXX XXXX filed XX/XX/XXXX. In the settlement agreement item # 4 ; ..., agreeing to hold the other harmless from any debt, claims or related costs thereto. And item # 7 ; Petitioner shall pay te following debts of the marriage and shall hold Respondent harmless from same : ... Mortgage on XXXX XXXX, XXXX, Illinois, Mortgage on XXXX XXXX XXXX, XXXX, Illinois. 
I filed a dispute with TransUnion on XX/XX/XXXX. ( File # ; XXXX ) It seems that the reported delinquency was removed. However, it is difficult to get any information verifying actions. They initially lowered my credit score by 89 points. But the correction of data only raised my score by 22 points. 
XXXX  is similar as described above ( Confirmation # ; XXXX ). In this case my score was lowered by 113 points. But the score was not raised. 
I also contacted XXXX. This organization did not show an indication of the XXXX XXXX XXXX  item on the report. However, they did lower my score. 
Further, as a result of the scores being lowered ( note that until this time my debt to credit availability has been steadily improving on an average of all credit ) XXXX credit card lowered my credit availability even though I was never late paying or short paying. This adjusted my debt to available credit rating to a lower state than it might have been.
Product: Debt collection

Hello there is two auto loans Ive been fighting to remove off my credit report for 4 plus months now. I know by law after 30 days with no verification the accounts are suppose to be remove off credit report! I know my rights! I have yet to receive a response from these two fraudulent companys about these auto loans. Please remove them!
Product: Checking or savings account

Someone made a transfer using the XXXX application and made several transfers, I got approximately XXXX XXXX dollars
Product: Mortgage

The end of XX/XX/2019, I submitted a complaint ( XXXX ) to ask for assistance with regards to the amount the mortgage company was stating that I was behind, and furthermore, increasing my mortgage payments from what I had established with XXXX previously. In the documentation I received from Bayview, it showed increases in payments due to escrow charges. I was not aware of these increases - I didn't verify charges by the insurance company or state / local taxes - lesson learned. In the complaint I also stated that I anticipated having the issues resolved within two weeks because of a car accident settlement. What I did not anticipate was XXXX XXXX refusing to provide accommodations for my XXXX and taking almost two months to pay the settlement, and then, after they " cut the checks '', they delayed mailing them out such that I didn't receive them until the XX/XX/XXXX Once received, I immediately scheduled payments to Bayview for all the back months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and current months ( XX/XX/XXXX and XX/XX/XXXX ). All payments were received by Bayview on the XX/XX/XXXX ; I presumed that I would have the opportunity to work out any other extraneous expenses for the lateness, but instead, the payments were returned - all five! I then began receiving phone calls and things in the mail about the foreclosure and my house being auctioned off. Secondary to all this, is the main breaker blew the XX/XX/XXXX, and it took until the beginning of XX/XX/XXXX for me to save the money to replace it, so I chose to replace it instead of paying the mortgage, thinking the temp agency would find me another assignment and also thinking that XXXX XXXX would pay the settlement in a timely manner.
Product: Debt collection

putting on collection a my credit report that 's not mine Talked to them on XX/XX/2016 say that they could n't find me in their files, I told them that they did n't have trouble finding me put on my credit report.
Product: Credit card or prepaid card

I have or use an American Express bluebird card which is a prepaid credit/debit card to satisfy my banking needs. I previously had as of XXXX 2020 had my direct deposit from SSA and VA XXXX compensation which are {$1100.00} and {$140.00} monthly respectfully going into this account. Out of the blue on the evening of XXXX2020 I found out my account had been permanently suspended for a perceived miss use of my account ( later I found out it been suspended on XXXX2020 with no notice ). I still have no clue as to what happened. I only found this out from a email sent to me after I tried to access my account online. They have completely cut me off from my account and balance of approximately {$2600.00} and change. They have left me scrambling to change my direct deposits and pay my bills. I have tried and tried to reach there customer service with no success. I only have been given an address to P.O. box in Georgia to write my questions to. I have no idea what there plans are to do with my money. I have very little other resources, I don't believe they legally can freeze my money because of my sources of direct deposit. All this happening in the middle of a global pandemic. I'm really hoping my pending direct deposits will be able to be redirected in time. I just don't know what else to do. What a low blow!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this compliant in regards to the numerous efforts of faxes and certified mailing letters to notify the following credit bureaus of inaccurate information they are reporting on my credit report. I have been in dispute with XXXX, XXXX, and Experian in regards to having unauthorized inquiries removed along with other inaccuracies. All companies have failed to comply with the Fair Credit Report Act Section 611 ( a ) ( 1 ) ( A ). In fact the credit bureaus were also advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. I have repeatedly asked for them to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. None of the credit bureaus have been complied with the verification method used or supplied the requested evidence as outlined in my numerous letters mailed which are attached along with the certified mailing receipts that confirm when they received all my notifications about the inaccurate information and my responsibility as a consumer to report such inaccuracies. However despite the numerous attempts to reach out to XXXX, XXXX, and Experian the matter has yet to be resolved. I am formally filing this compliant which I have maintained careful records of my communications with the credit bureaus and gave them the applicable time as required, which I have outlined in my numerous letters, should they continue in their noncompliance as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, 1995 ). None of the Bureaus can validate this information being accurate into their findings, but they continue to claim the information is " verified '' but with NO proof of the documents requested. This has been going on for over 12 months and yet no resolution into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} XXXXXXXX XXXX XXXXBalance XXXX {$3200.00} XXXX XXXX Balance : {$4100.00} XXXX FIRST XXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$440.00}
Product: Credit reporting or other personal consumer reports

I received a 1099-C releasing me from the dept on a vehicle but the Experian credit bureau will not remove from my credit report. The amount shows {$11000.00} that's dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 my debit card was used at a XXXX XXXX in XXXX Texas for two amounts one in the amount of {$120.00} the other in the amount of {$84.00}. the first transaction happened at XXXX p.m. and the second one followed at XXXX p.m. I immediately called chime bank and notified them and they canceled my card and sent me a new one. At that time I was informed I would have to wait for the transaction to settle before I could begin the dispute process. 3 days later on Monday XX/XX/XXXX the transactions settled and I called chime to begin the dispute process. After filing the dispute with chime I contacted the mesquite the police department in XXXX Texas where the fraudulent transactions took place I filed a police report with XXXX XXXX badge number XXXX XXXX XXXX XXXX police report number XXXX. I forwarded this information to chime. On Wednesday XX/XX/XXXX I received my replacement debit card in the mail and activated it. After activating my new debit card I went to a gas station and used my card for {$30.00}. The next day time denied my dispute. The reason they gave me as to why they denied the dispute was because I used my debit card on XX/XX/XXXX for that {$30.00} transaction. I explained to them that it was the new debit card I used and not the one that had been stolen. Time then proceeded to tell me that I had not provided them with enough information to substantiate my claim and that they would not be proceeding with the dispute the matter was closed. I am asking that my money be returned to my checking account.
Product: Mortgage

My husband and I put an offer on a new construction home by XXXX. They have an affiliate lender Advisa Mortgage. I did a pre-qualification on their website while I was rate shopping to find out what their interest rate was. When we decided that they had the favorable loan term I did a joint loan application that included my husband 's information. 
Advisa Mortgage had sent loan document for me to sign based on the pre-qualification I had done. I initially refused to sign the documents because the application information on there was preliminary and not a complete picture of my debt situation. The Loan officer however sent me an email stating that by signing the documents I was not agreeing to what was on there I was just acknowledging that I got the documents and he needed it signed to unlock the loan record. So I signed. After he looked at our joint application he decided that our debt to income was too high for us to be able afford the house and to be approved. We told him that if that is the case then we do n't want the loan. We proceeded to tell the seller that our debt to income was too high and we ca n't get approved for the loan. Advisa proceeded to tell the seller that because most of the debts were in my husband 's name they can approve the loan if they take my husband off the loan and do the loan just in my name.they can approve it that way. The seller then stated that we would forfeit our earnest money if we do not get the loan that is just in my name as was being offered by Advisa. We feel like this is predatory lending on Advisa 's part because they clearly know that there is these debts that are in my husband 's name that I am still responsible for but they are forcing us to remove my husband from the loan as a way to hide my debts and approve a loan so they can get commission from the loan as well as collude with the seller.
Product: Mortgage

I have attempted for the last 2 years to work with Ocwen loan servicing in reviewing to modify my current loan. Each time they contact me they claim they have not received any of the paperwork I have faxed/emailed/mailed. This company can give me no reason or resolution as to why they have not received any of my paperwork and due to this they cant move forward with any assistance on the loan.
Product: Checking or savings account

On XX/XX/2022, by phone, I requested closure of a CD account with Synchrony Bank. I was told it would take 4 days for closure and another 3 to send me the funds. On XX/XX/XXXX I called back after noticing the account is still not closed. After being on hold for 30 minutes, I was now told it would take 7-10 business days just to close the account because they are backed up on account closures and paperwork. This is unacceptable for a bank to take up to 10 business days just to close an account. I requested a second CD account to also be closed and again was told 7-10 business days just to process paperwork for that closure because they arent able to keep up with customer requests at this time. Someone should look into this bank and remind them they should be placing customers first.
Product: Credit card

Please see the attached statements and support. 

I am formally filing a complaint regarding the XXXX from XX/XX/XXXX. This promotion stated that purchases up to {$10000.00} would be paid back at 10 % for each eligible card. I did not receive credit for these properly for either of my credit cards. Accounts ending in XXXX and XXXX were not credited properly. I have tired numerous times to get the proper credit but the reps said my purchases included gift cards and not eligible. The terms with gift cards were not in the original terms gift cards were not excluded from this promotion and the purchases were made before the terms changed. As per the attached statements, account XXXX was only credited {$200.00} but I made over {$10000.00} in purchases so I am owed an additional {$790.00} on this account per the original terms. 
I opened an additional card account ending in XXXX and according to the statements provided I did not receive any XXXX rewards even though I made the necessary {$10000.00} in purchases using XXXX so I am owed {$1000.00} in rewards related to this promo. In addition, this account was new so it qualified for an additional promo where all purchase cash back would be doubled for a year, so this {$1000.00} credit should be doubled to {$2000.00}. 
This was a very poorly run promotion, and extremely disappointed Discover tried to change the terms after my purchases were made and would not pay out my rightfully earned rewards per the original terms. After Discover refused to pay out my earned rewards, I have begun to think negatively of this company and do n't use the cards as much as others. Please pay my {$2700.00} in rewards for customer satisfaction, as I have been long term holder of a Discover Credit Card since XX/XX/XXXX. Please contact me at XXXX with any questions. I have had other friends that have gotten their cash back and I hope you will consider this complaint seriously so Discover Card will be my card of choice in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since  XX/XX/2019, I have been trying to get this account removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$780.00} XX/XX/XXXX
Product: Debt collection

Do n't know who this Company is. In the past there were Companies in my Credit report that belonged to someone else, not me.
Product: Payday loan, title loan, personal loan, or advance loan

I went to title max in XXXX South Carolina on XXXX got a title loan for {$3000.00} and i was told by the lady that did my loan XXXX that the interest would be {$5.00} per day. On XX/XX/XXXX I had accrued more than {$470.00} in interest. I called the store and spoke with the store manager on XX/XX/XXXX and she told me she can not tell me how much my interest is and that i was misinformed because the store associate is a new employee. I contacted corporate which led me to the voice mailbox of the district manager that has not returned my call. The store manager admitted to me that i was misinformed due to the employee being new on they job and did not know what she was doing. When i was there to get the loan the store manager left for lunch leaving the inexperienced employee alone to handle me as a customer. Now i am suck in this loan with interest more then 3 times the amount i was told it would be.
Product: Debt collection

XXXX Care Credit is stating on my credit report that I owe them {$500.00} on behalf of Care Credit account. I had a old Care Credit account back in 2010 that was paid in full for 2 years. Payments were made on time and monthly. No balance was left and now XXXX is reporting to the credit agencies that I owe them {$500.00} which is not true. I have contact them to ask for proof three times last year and yet they have followed up or responded to any of my request to validate the debt. However, they are still report this as negative on my credit report and it causing many problems for me and affecting me being able to establish credit for an auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous disputes experian continues to report a payment history on an account that has been paid and closed since XXXX they will not stop reporting a monthly history on this item for XXXX they have two paid on time payment and two months as repossession making it appear it was repossessed again in XXXX and lowing my score I have called and filed a complaint directly with them after three different disputes they will not update this payment history there should not be an active monthly report for a closed and paid account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECKR SYSTEMS HAS TAKEN MY PRIVATE IDENTIFYING INFORMATION AND USED IT TO CREATE FILES FOR COMMERCIAL USE WITHOUT MY EXPRESSED WRITTEN CONSENT AND ARE GUITY OF IDENTITY THEFT AND CONSUMER FRAUD AS A RESULT. I HAVE SUBMITTED A WRITTEN REQUEST FOR PROOF OF CONTRACT OR {$5000.00} FOR THEIR VIOLATION OF ILLINOIS CODES AND STATUTES AS COMPENSATION FOR INJURY AND THEY HAVE NOT RESPONDED. I WILL TAKE THE MATTER BEFORE AN ARBITRATION BOARD AND MAKE THE MATTER PUBLIC ALSO UNTIL REMEDY IS PROVIDED.
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter demanding an investigation into inaccuracies on my credit report on XXXX XXXX XXXX XXXX XXXX XXXX I received a stall letter via email from Experian stating that they did not know if it was me that sent my original dispute letter, even though it was sent with proof of identity. I have now sent out ANOTHER letter with proof of identity AGAIN stating that Experian is reporting inaccurate information and needs to reinstate the investigation request and get back to me within 15 days being that they have ALREADY ignored my first letter and that I will file a complaint.