23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by your complete disregard for your own stated timeline. In your memo dated [ insert date ], it was clearly stated that the results of the investigation would be provided to me within 30 days. That deadline has passed, and I have yet to receive any communication regarding the status or findings. 

This lack of follow-through and failure to uphold your commitment is unacceptable. As the bureau, youve had ample time to complete the investigation, and there is no justified reason for this excessive delay in sharing the conclusions. Your memo set an expectation that I relied upon, and your inaction constitutes a breach of that assurance.
Product: Mortgage

I have a HELCO with US Bank. We had a Covid-19 hardship. My husband had to switch jobs last year, due to a lack of work and a decline in pay. He found a new job and took a $ XXXX pay cut. During that time I contacted both US Bank and our first mortgagee ; both allowed us to stop making payments and advised that there would be programs to assist us after the fact. 

I contacted our first mortgagee, explained that we were in a good position to resume payments, and completed the modification process with no hassle. It was remarkably easy to contact them, get into the program and complete the modification. We have been making payments as scheduled. 

For the past several months I have tried, most unsuccessfully, to do the same thing with US Bank. Each time I call it's " not the right department '' ; after an hour on the line, I'm passed to no less than 5 people and ultimately, the call is disconnected. I have a family and a job and other volunteer positions. I do not have the time to spend countless hours calling US Bank in a fruitless search for the " right department ''. I've tried to ask for supervisors, the correct dept. and always get a phone number of where I'm being transferred. 

I have called the following numbers on these dates : XXXX : XX/XX/XXXX ( I called twice ), XX/XX/XXXX & XX/XX/XXXX ( I called 5 times ) XXXX : XX/XX/XXXX ( I called twice ) XXXX : XX/XX/XXXX & XX/XX/XXXX XXXX : XX/XX/XXXX ( I called twice ) & XX/XX/XXXX ( I called 5 times ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX On my last attempt to call, I was given an email address ( XXXX ) to send my request and was told that I'd get a response in 2 days. I sent an email on XX/XX/XXXX ( 13 days ago ) and have received no word back. 

I have received a letter dated XX/XX/29 regarding foreclosure action, and I'm very angry. I just want to have my HELOC modified so that I can make affordable payments. 

Thanks.
Product: Credit reporting or other personal consumer reports

My consumer rights have been violated due to non compliance of federally guidelines with Transunion, XXXX, XXXX According 15 U.S. C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) bill of exchange act FCRA, Consumer Bill of rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me 3 different sets of paperwork ( which I 've attached ). The information XXXX XXXX sent me bears different dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These loans are fraudulently reporting to credit bureaus and I 've asked them on numerous occasions to validate this debt. My concern is that XXXX XXXX paperwork contains 3 different hand writings that are n't mine. Not to mention the dates are way past the statue of limitation. The first one that states consolidation loan bears a signature that does not match my own along with a stamped date of XXXX/XXXX/XXXX. The second statement has XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the last statement says XXXX XXXX XXXX which is not my name at all on XXXX/XXXX/XXXX. This is very concerning that XXXX XXXX does n't have proper documentation on said accounts and is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filed for bankruptcy in XX/XX/XXXX. We filed in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XX/XX/XXXX and not in XX/XX/XXXX.  When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XX/XX/XXXX and not XX/XX/XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple incorrect accounts are reporting on my credit file : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened an account with XXXX XXXX while purchasing a car. 
Every payment per month, I obtained XXXX point toward my credit score. During Covid, I complained about the company XXXX XXXX for their delay in offering assistance to customers affected by Covid. Ever since I filed the complaint, members of the XXXX XXXX staff began retaliating by failing to report payments for credit or blocking payments online in an attempt to make my payments difficult and/or late. 
Their efforts failed. Their system partners with credit bureaus such as XXXX, Transunion, and XXXX. XXXX has reported XXXX point increase every XXXX months. XXXX and Transunion have reported a XXXX point increase every XXXX months in spite of on time payments. This hinders any progress towards an excellent credit score of XXXX. 

In retaliation to my complaint, XXXX XXXX recently reported a late payment taking place in XX/XX/XXXX by fraudulently stating that the payment was made of XX/XX/XXXX. This was only done after a recent complaint about absent score reporting in which I accused them of withholding up to XXXX points. The entire 3 years and 9 months, my payment score has been 100 % on time. While they only give XXXX point per XXXX months, this false report has in XXXX removed XXXX points. Which was recovered after a complaint with the State Attorney Generals Office. In XXXX in the same month they falsely reported last year in XXXX, XXXX points were deducted in 1 day, based on this false accusation of this false payment made in XX/XX/XXXX. The online credit history and my receipts, both validate and confirm my onetime payment of XX/XX/XXXX, yet the XXXX XXXX, XXXX, XXXX, and Transunion have all opted to ignore the evidence and allowed my credit to be destroyed and damaged after years of effort to obtain good credit. In XXXX XXXX XXXX reached a settlement of {$550.00} XXXX dollars with 34 states for deceptive loan practices after legal action by the federal government. I estimate my credit would be XXXX, if not for the practices of XXXX XXXX, XXXX, Transunion, and XXXX to subtract hundreds of points from my credit score based on fabrications, retaliation, and fraudulent credit reporting. The lack of legal action has made this organizations arrogant and fearless with corruption towards consumers. Thousands of consumers have communicated on social media, comparing the practices as part of a norm with these organizations. After three years of obtaining XXXX point every few months for continued on time payments, XXXX XXXX, XXXX, Transunion, and XXXX casually deducts hundreds of points sending me back to the beginning of my plight 4 years ago. I would like these companies investigated and my score restored to its actual score between XXXX and XXXX.
Product: Credit card

XXXX billed us $ XXXX/month for unauthorized Internet access. [ We thought our son on the West Coast had ordered service. ] When we requested by phone and email an explanation from XXXX, they apologized, soothed, evaded, and finally stonewalled us. 
We then learned from Senate subcommittee testimony that XXXX had bought information from other companies, then submitted unauthorized charged to credit card companies, in this case Chase Credit Card Services 's Visa. 
We also learned from the same hearings that Chase routinely violated its own internal policies by posting unauthorized charges from third parties. And that XXXX topped their list of third companies with the most disputed charges. 
When president of Chase Visa in XXXX, DE was contacted by mail, he through a subordinate dismissed every complaint. 
Chase not only continued to bill the disputed charges, but reneged on a refund of our recently renewed membership fee, and despite 15 years of on time payments never cleared our resulting " delinquency '' with credit reporting agencies. 
As our claim was XXXX ; {$1000.00} and the Visa balance, " late fees, and penalties '' totaled XXXX ; {$300.00}, Chase knew no lawyer would take our case. Multiplied thousands of times, such actions generated millions of dollars for XXXX and Chase. They also boosted stock prices and executive bonuses. 
In effect both XXXX and Chase Visa simply stole money, because they knew they could. Electronic muggings by the Too Big to Fail. Or prosecute. 
Moral of the story : Scrutinize every charge from every account every month, then question unrecognized ones immediately. And vote out politicians who let XXXX XXXX write the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported the same medical collection against me 8 times!!! I have written and requested that this information be removed from all credit reports because it is incorrect, and also asking for proof if they believe that they are correct. I still have had no results, and need those accounts removed from all reports permanently.
Product: Checking or savings account

Enclosed document details dates and amounts of phone payments stolen. Account is frozen now due to the fraudulent transactions. Account holder in hospital XXXX thru XXXX, XXXX thru XXXX and placed in XXXX XXXX, XXXX XXXX. We began seeking a health POA in XXXX of 2022. When the doctor 's letter stating that she needed to have assistance with a POA matters, was finally received in XXXX, Chase refused to allow access to the account. Account holder passed XXXX but never prior to these transactions, was a phone payment method used. Account should have been flagged and frozen months before it was. Even after being notified of the fraud, Chase  did not freeze the account, and it went into overdraft after another transaction happened. These are some of the extenuating circumstances that cause us to seek a reasonable resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I received an email t thought from PayPal about a purchase a purchase I supposedly made and did not. I was asked to call a number XXXX if I had questions, which I did. There process included downloading on XXXX for remote screen sharing and asking me to open my primary debit account and my PayPal account, at this point I questioned there process for credit card fraud and terminated the call. I believe it was an attempt to access my accounts.
Product: Mortgage

XXXX XXXX violated my consumer rights and discriminated against me I went through the preapproval process and was denied because I was told I didnt have enough assets to cover closing cost amounting to {$20000.00} which funds needed to be listed in one of my accounts which was Wells Fargo I never was preapproved to even get an loan amount for the mortgage consultant to request verification for costing cost when I have no knowledge of the amount I was approved for thats a violation to my consumers rights I wasnt given a chance to provide proof of funds or assets from additional accounts Which I have 3 additional accounts with other banks Which is a violation By law the money for closing cost can be gifted as well I wasnt getting a chance to exercise that right before my application was denied Wells Fargo denied me for a conventional loan that I never applied for they never gave me the option to apply for FHA which I knew I qualified for also mortgage consultant told me multiple times they dont XXXX XXXX to help minorities with closing cost which is false And I even asked could I use my first time home owners grant to help towards closing cost I was told no This is all documented and on a recorded line via Wells Fargo I would like to report this matter and Im also want to seek punitive damages for Wells Fargo discriminating and violating my consumer rights Mortgage consultant XXXX XXXX Home Mortgage Consultant XXXX ID XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit profile and noticed hard inquiries that do not belong to me on there
Product: Credit reporting

The credit reporting agency told me if the court couldnt prove the lien was mine, they woould remove it. They said all I have to do is wait XXXX days and it will be removed. After the other two credit reporting agencies removed the erroneous report off of my name instantly with the IRS document I provided, they decided it wasnt good enough. Then I continued sending in IRS documents that the IRS said would clear my name, the whole time they did not tell me each time I send new information in, it resets the XXXX days I have to wait. So today I finally found out ( now that it was about to be XXXX days ) that they have been resetting my XXXX day wait period. Now I have had destroyed credit that continues to go on and on. They do not know how to read the IRS documents and are accusing me of something the IRS said they should easily be able to read. The complaint I have is that they were not honoring the initial XXXX day window to clear my name if not proven guilty, now it is getting closer to XXXX month I will have to wait. They should not be able to assume I want to extend my XXXX days by sending them new information that is only extending my time for my name to be cleared. They did not tell me they would do this, and it has really hurt me financially and is continuing to. They should have to disclose to the disputing party that any information sent resets the XXXX day waiting period, otherwise that means a person is claiming to be guilty because why would anybody want to wait longer when they know the initial debt collecting party can not prove anything because it is false.
Product: Credit card

The credit card in question is owned by my wife with me as authorized signatory. On Monday, XX/XX/XXXX, my wife was the victim of an extortion scam. Someone called her and told her she would be arrested unless she paid a {$2000.00} cash bail. The scam caller would not let her hang up and call me, her husband. My wife only had our Capital One credit card in her possession. They coached her to call Capital One to inquire about a cash advance on our credit card. She only agreed to the cash advance terms and conditions under duress to avoid being put into jail. She then went to a local bank to conduct the cash advance with further instructions from the scam caller. After she obtained the {$2000.00} cash she was then instructed to go to Walmart to purchase a money order to then provide the caller with the code. My wife then realized the scam and hung up the phone before purchasing the money order. We deposited the cash into our checking account and paid back the cash advance the same day the transaction posted to the credit card. I have told this story to Capital One and they are aware that the cash advance was conducted as a result of an extortion attempt with my wife as the victim. Capital One refuses to refund the cash advance fee of {$60.00} knowing we, their customers, were victims of an extortion scam.
Product: Credit reporting

Tried to get a free copy of my credit report from all XXXX credit reporting agencies using the website XXXX. Only received credit Report for TransUnion. XXXX and XXXX did not provide their reports. And Transunion did not provide a credit score.
Product: Debt collection

My auto loan account was purchased by NCB Management in XXXX  This debt is in the process of being resolved by way of Arbitration. I have mailed the documents to this agency along with a Demand Letter. This original debt was with an Unlicensed Lender in North Carolina that charged an APR rate of 28 %, which is an illegal Usury amount in North Carolina. I have obtained a lawyer to assist with this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 opened account and checking account with XXXX. Also applied for mortgage. Added tons of personal information from outside banks. 

XX/XX/18 tried to access account. Was told needed extra security. ( I have a fraud alert on my credit report ) called around XXXX EST. Spoke with someone. They said my account was locked. Said no other information except an alert saying will no longer do business with client she presumed it would maybe be from a fraud alert on my credit card. I just switched with my job my direct deposit which they told me would be approved for this pay check depositing Friday XX/XX/XXXX. 
Also- that the money in my checking account when opened would be mailed back via check within 30 days. After mentioning my DD she said that money would also be mailed back in 30 days. Crazy. Thats my rent. I just wanted to switch from XXXX to XXXX she couldnt give me any more information or escalate my call.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We are facing foreclosure on the home sale date of XX/XX/XXXXXXXX XXXX. Aside from many other problems recently we lost a family member to XXXX XXXX XXXX XXXX XXXX was a resident of this house for 16 year her name is on the deed of this house. 
In Order to postpone the sale date so that we pay off the loan here is what we did. 
XXXX. We sent Select Portfolio Servicing proof of where the funds may be coming from. 
XXXX. We also inform them XXXX XXXX left another property which is up for sale and we intend to use funds from that sale to pay off property at XXXX XXXX XXXX  XXXX which is set XX/XX/XXXXXXXX XXXX auction, that was XXXX XXXX last wish XXXX. We also sent them a pre-qualified letter from a Mortgage company that potentially is approved for {$530000.00} to buy this property for us. 
What SPS did not do : XXXX. Never offered a payoff amount XXXX. Did not offer forbearance option XXXX. Did not acknowledge receiving any of these documents This complaint against their so-called Ombudsman department according to the SPS Ombudsman supposed to help the consumer but sadly reality is something different. SPS is engaged in accruing underperforming mortgage from Banks only to foreclose them but many times they deceived the consumer led to them believe they are help them. The SPS Ombudsman Department is involved in fraudulent practice and we demand a thorough investigation of their activity.