23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I canceled my American Express card in XX/XX/2020 with a {$0.00} balance. However due to covid a previous flight that I purchased on my card was canceled and refunded to my AMEX account. 

AMEX attempted to transfer these funds ( {$2100.00} XXXX back to my external linked bank account but I had actually closed this joint XXXX XXXX account previously so the transfer did not go through. I then called and they transferred the {$2100.00} to another external account. 

But for some reason they are saying I owe them for the first {$2100.00} transfer that I did not receive. I have tried calling 4 times and they keep saying it will be resolved but then subsequently keep contacting me and tell me I have a big outstanding balance ( including late fees ).
Product: Credit reporting, credit repair services, or other personal consumer reports

First tech the balance I have was included in my chapter XXXX bankruptcy and they saying I still owe them and this is very impossible
Product: Debt collection

I believe someone else used my information to open an account in my name plus it was only a XXXX $ limit how did they manage to get to a balance of XXXX I have no knowledge of this account and capital one just tells me its mine but never sent me any proof or information explaining how they figure that.
Product: Mortgage

I filed a complaint on my mortgage company a few months ago because they are refusing me any kind of loss mitigation. 
I lost my job for a few months and asked for a modification or loss mitigation. They just keep sending me the application over and over again. 
After I filed a complaint on NATIONS DIRECT MORTGAGE through you, they answered and stated that they are working on it. They again sent me paperwork to start the process, and they never processed it or anything. Now they sent me another application instead of the answer to my modification application. This mortgage company is playing games and are trying to illegally foreclose on my home PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute ten fraudulent accounts listed on my credit report, which were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and I expect prompt action on your part. 
The accounts in question are : 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 XXXXXXXX OPENED XX/XX/XXXX INCORRECT EMPLOYERS : XXXX, XXXX XXXX XXXX NAME : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not open these accounts, and I have already filed a police report regarding this identity theft, which I have enclosed with this letter. Additionally, I have highlighted the fraudulent entries in my credit report for your reference. 
As mandated by the FCRA, you are required to conduct a reasonable investigation into my dispute and to respond within 30 days of receiving this letter. If you determine that the information is inaccurate, you must promptly remove these accounts from my credit report. Furthermore, under the law, you must notify the creditors involved to ensure they cease reporting this fraudulent information. 
Please consider this letter a formal request for your investigation. I expect you to provide a written response detailing your findings and actions taken regarding my dispute. I also request you put a fraud alert on my credit report for safety measures.? 
I appreciate your immediate attention to this matter and look forward to your prompt resolution. If you require any additional information, do not hesitate to contact me directly. 
Sincerely, XXXX XXXX
Product: Credit reporting

I had a XXXX XXXX card on which I had accumulated XXXX in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.
Product: Checking or savings account

So this merchant (XXXX ) on XXXX was offering to sell XXXX products at a very reduced price ( 50 % off ). After asking him about it, he told me he would sell me the method on how he did it. After purchasing, I saw that this guy had been using illegal methods to get his customers cheap products from XXXX. It involves ordering a product to a clients address, filing a return and shipping back something else in place of the ordered product. This is mail fraud and I wanted a refund for both of my transactions, however only 1 has been refunded. This guy has been using this to make thousands of dollars, as seen in the attached pictures. The method is also linked below. My dispute was closed without notice. I was told that the dispute would be resubmitted but that never happened. If there is no reimbursement given, this company is siding with the scammer.
Product: Credit reporting or other personal consumer reports

The 3 credit Agency reporting inaccurate on my credit report for my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account. XXXX, Equifax, XXXX reporting a Balance of {$940.00} my credit Limited in {$1000.00} This was paid sometime about of XX/XX/2023 Is {$200XXXX00} not {$940.00} like been reported. I call my bank and ask did the update My Balance to the 3 Credit Bureaus My bank say they Update my Account Immediately to all 3 Credit Bureaus. I have Document of my Ture Balance. The 3 Credit Is still reporting this Inaccurate which is Damage me my Credit. I beleive this is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

My Bank has Asured it was reported to the 3 Credit Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX. # XXXX closed, Account name : XXXX XXXX XXXX # XXXX closed, and has violated my rights. 

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: Credit reporting, credit repair services, 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. 
XXXX Account # XXXX, has violated my rights. 

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.

Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX typeMultifamily XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, NY XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex
Product: Credit reporting, credit repair services, or other personal consumer reports

Tax debt was filed in my credit reports in XXXX XXXX and XXXX XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There had been 2 accounts compromised after I had filed bankruptcy ( my social security has been scanned and detected on the dark web ). One was a merchant credit that had been charged to the max limit. I've disputed and it seems like it was removed from my credit but I still receive debt letters from the company about the balance. The other was a credit card that was not opened by me and apparently charged to the max. I contacted the company several times ( XXXX XXXX XXXX ) about the card and they closed the account and i filed a dispute several times without any success. I don't have any documentation because I never opened the account so I don't really know what I can show to prove it wasn't mine. My wife also had the same problem with a card opened in her name without her knowledge and we've been fighting them on this for well over a year now. I had just filled bankruptcy because of my credit being screwed up and also had a credit freeze for a year. I'm getting no help from my side and hoping you can resolve this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Amount : {$35000.00}. XX/XX/2022. I reached out to the company to have them correct the issue but it was to no avail. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX  has violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C 1666 ( b ) states billing error.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are 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 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: Prepaid card

XXXX XXXX and I received a prepaid visa gift card with {$50.00} loaded on it for our wedding. After opening it, I attempted to activate the card and thought I was successful. When I attempted to use it, it did not work. The agent stated that because it was never activated, XXXX XXXXmonth has been charged for the last 10 months, resulting in the card being worth {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I noticed numerous inaccurate information on my credit report I noticed inaccurate unauthorized inquires and inaccurate accounts please see the attachments listed in this complaint
Product: Vehicle loan or lease

Went up to Simmons bank and got pre approved for XXXX told the loan officer we were doing trade in and that we would be upside down on the car, spent an entire day signing paperwork and doing everything we need to do. Was also in contact with the loan officer all day and she is saying everything is good. Sent bill of sale and everything told us it was good, when we went to the bank to actually get the check they told us the loan dropped from XXXX to XXXX and that we would have to cover the XXXX roll over. This was after we signed all paperwork and drove the car off the lot to get the check to pay them. Now they are saying we cant get a loan for the XXXX thats left and have offered no solutions. They basically told us there is nothing they can do and washed their hands with the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was charged off in XXXX of XXXX same account was later charged off again in XXXX of XXXX with a {$1.00} decrease in balance owed. I did not make any payment. This is clearly any attempt to circumvent account aging off my credit report. This 2nd charge off posting has caused my score to drop significantly.
Product: Credit card or prepaid card

I opened a Goldman Sachs Apple Card in XXXX. At that time, and all times since, I have lived at the same address in XXXX. I provided Goldman Sachs this billing address, and their database identifies my correct billing address. Despite this fact, Goldman Sachs authorized XXXX of transactions pushed from XXXX App Store using a XXXX billing address based in Washington , DC. As a result, I have been charged sales taxes that were not wed because Goldman Sachs authorized charges to a billing address that has never been associated with the card. 

XXXX says they can do nothing. Goldman says that XXXX should do something. I think it is on Goldman for authorizing transactions from its close business ally with a clearly erroneous billing address. 

Additionally, my terms and conditions with Goldman states that I can contact them via XXXX  messages. This used to be true. It is no longer true. I was forced to make a call, and then have XXXX transfers to get to an Apple Card XXXX. According to the terms and conditions, this non-written complaint via telephone is not binding on Goldman. Unfair and deceptive in my estimation.
Product: Credit card

My debit card from card.com was used by somebody else in XXXX Tennessee I have been contacting the company almost everyday on the phone. I still can't reach their investigation team or been able to speak with a manager. I have sent countless emails to their support team asking for support or an explanation and have not received one.
Product: Mortgage

Primary Residential Mortgage Inc is in Breach of contract. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect emails, phone numbers addresses. I put a freeze on my account but things were still appearing. I can not access any emails or verify my information. I can't update my cell to verify info
Product: Credit card or prepaid card

After I paid my bill due for XX/XX/2019. I called and the automated system said that I had {$9.00} in credit. A few days later when I called the credit was gone. I spoke with a representative and I was told that after my account was updated to show the credit. I was later given a late fee. The representative sad she would waive it. When I called again the automated system would not even give me any account information. When I spoke with a representative he said that he spoke with a supervisor that again approved the late fee waiver. And that I had {$6.00} in credit. When I called a few days later to check. Again the automated system would give no information. I spoke with another representative ( XX/XX/2019 ) that said I had {$5.00} in credit this time. And that my payment due was {$55.00} or there about. And that my payment sent that day would not post as late. However, when I went online to check none of that information was showing. It showed that my payment was {$73.00} and that I had no credit.
Product: Credit card or prepaid card

I received an unsolicited VISA card from PNC Bank for an account I closed over ten years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month XXXX  transunion and XXXX both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under CKS PRIME INVESTMENTS LLC and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Debt collection

Truck was dropped off to vendor on XX/XX/year> and no estimate or contract was in place there for there was no authorization for work to be dome per California Bureau of Automotive Repair. When citi was asked to investigate this truth they keet responding with a 3rd party has to tell citi what is in the written estimate but there is no written estimate/contract.
Product: Mortgage

my concern is with green tree Servicing company.
I had to do a "short sale" on my house, but Green tree did not lose ANY money, it was the XXXX bank that agreed to take less money. Escrow closed on XX/XX/2014After all was said and done I found out that Green tree sent gardeners and other repairmen to the house and charged ME for work even tho it wasnt even my house anymore!.....they charged me over XXXX dollrs to print the notice of default in the local paper. they overcharged me XXXX dollars in paying property taxes. i called the tax collector, and they told me that XXXX dollars was refunded to "core"- should have went to me. Green tree trespassed on the property, it was another owners property. the workers took some items out of the yard....worth about 1200 dollars. And altho I did my part and left the house, they DID NOT do their part and give me the XXXX dollars relocation fee for this "foreclosure" that they acted on. 
Green tree writes me a letter saying that they had the right to keep the place in good condition. it was in good condition- they did NOT have to re key and winterize and do all these things that banks do to foreclosed homes. it went directly to another buyer.
XXXX
Product: Mortgage

XXXX XXXX XXXX ( SPS XXXX ) is in violation of the CFPB guidelines where they must review 37 days or more prior to a scheduled foreclosure sale. The bank is making up guidelines as they go and are not following the CFPB 37 day rules and regulations. 

Here is a summary of what happened : Short sale file was submitted with a sale date about 42 days away. After back and forth communication with SPS the short sale was closed out on and we were told the investor wanted 45 days prior to a sale date to review for a short sale. We called investor and they said if its over 37 days they will review for a short sale. 

SPS is making up their own rules as they go and this is unfair to me and many other customers. 

Currently SPS won't review for my short sale. I am doing a short sale to save my credit and leave my home with dignity and to do the right thing. The offer is 95 % of the bank 's current appraised value. There is no reason SPS should be doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XXXX XXXX XXXX to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.