23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a home in XX/XX/XXXX with a XXXX XXXX. The mortgage was subsequently sold to US Bank. I never missed a payment ; I was never late. My husband died in XX/XX/XXXX. US Bank foreclosed the home in XX/XX/XXXX. US Bank claims there's a 'second mortgage ' on my foreclosed home that was sold with a clear title in XX/XX/XXXX. No one attempted to collect this 'second mortgage ' until after the XXXX for the first mortgage was satisfied in XXXX. US Bank is holding the POB as hostage with a claim to an insurance policy ( held under escrow for {$130000.00} ) to ensure the 'second mortgage ' gets paid. I held an insurance policy on the dwelling until XX/XX/XXXX - US Bank never needs to purchase another policy nor bill me for the policy that was never requested or necessary. I have attempted many times to settle this matter by myself with this financial institution but I have been unsuccessful. I have emailed, mailed, faxed, etc., all my documents ; made numerous phone calls, some that I was disconnected but most had significant wait times and the person on the other end of the phone is always confused about my mortgage. I have wanted to pay this off, clear my name, clear off derogatory remarks from all three credit bureaus and move on with my life. If I pay what they are asking, I will pay XXXX getting a refund. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY!

-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
XXXX send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

XXXX and Equifax never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.
Product: Debt collection

on XX/XX/2022 XXXX XXXX opened up a collection. 
account number {$1400.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Credit card or prepaid card

XXXX XX/XX/XXXX, XXXX pop up and asked me to apply fo an XXXX credit card, an due to my purchase I could have saved XXXX. I do shop XXXX frequently. So I applied, and within seconds the response replied that I was denied for credit, because the card holder was Chase Bank. 

This is the second time this happened to me, this happened last summer with the XXXX rewards to receive XXXX travel points. I was denied because the cardholder was Chase Bank I pay all my bills on time. I do not have bill collectors calling me. I have a good credit score, there is no reason that I should have been denied. Other than a person vendetta. 

I had/ and still have a mortgage/ life insurance policy with Chase Bank in which they refused to pay. So any card I apply for in which Chase Bank hold, the refuse to give to me. 

Which in fact Chase owes me the face value of mortgage policy in the amount XXXX policy in which they sold and collected as auto pay and are continue to collect as an auto pay monthly, they have done this to not only me but to several customers during the year of XXXX to XXXX. Chase Bank claims they have done nothing wrong, but actual they have, sold the phone listing to the parties to contact the individuals, and all the transactions happened within the chase account and forwarded every four weeks to the insurance. This places the bank Chase hands on right in the middle of the process, known as the middle man. We as consumers should be protected by these banks, and now the bank is denying my credit for there errors. These accounts should be removed from Chase Bank. A service contract of XXXX is still owed to me from Chase I only received a partial payment of XXXX. When I called Chase I was informed by Chase they did not have my money, low and behold I received a check for XXXX, still waiting XXXX balance. I sent letters and have had no response ... Someone should notify The XXXX account, XXXX. And tell the my story. This my be something I should do if the does not get rectified.this is why Chase refuses me.
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX loan company deposit/transfer funds of {$16000.00} into my Marcus Goldman Savings account . It was available on XXXX XXXX. On that same day I transferred {$7000.00} of that amount into my personal Bank account. I had tried a second time to only transfer {$1200.00} of what was in that account out and my account my put hold/freeze. 

Since then they refuse to give me any of my funds and had told me they would only transfer out to the original transferring institution. So I had XXXX XXXX try their best to help me in this situation. It took 3 weeks of back and forth and I still do not have my funds. 

What do I have to do to? I need some kind of mediation/advice on how I can get my money. Your help would be greatly appreciated.
Product: Credit reporting

A couple of weeks ago, I was notified that someone other than me had requested the log-in information for my XXXX account. Afraid that i was at risk for identity theft, I went to experian.com and paid for one of their credit reports ( which pulls from all XXXX reporting agencies ) to reassure myself that nobody had successfully stolen my identity ( YET ). During the process of purchasing the report, apparently I also signed up for a 7-day trial " credit tracking '' service, and agreed to have {$21.00} charged to my credit card on a monthly basis starting at the end of that 7 days. 
I do not recall agreeing to this, and of course I was anxious about the potential for identity theft, so I may have missed it. HOWEVER -- I think this a deceptive and disheartening initiiative on the part of Experian -- XXXX of the agencies I trust to help ensure that my credit is accurately represented and to help me identify any fraudulent use of that credit is pulling the same sort of sneaky " extra service '' shenannigans that XXXX XXXX and other credit card companies were pulling just a few years ago! I would like my money back, but have been assured by a banner on the experian web site that I will not receive that -- which to me indicates that I am not the only customer upset by this practice. I believe this was opportunistic on Experian 's part, as reports of tax fraud were rampant in the media. 
I hope this agency will hold Experian to a higher standard. This behavior is a little weaselly for a credit agency.
Product: Money transfer, virtual currency, or money service

Respected Sir / Mam, There is an app by the name SOLO. In this app we can lend money and borrow money. Basically we have to pay a solo fees to lend money aswell as to borrow the money.

Through this app I lended {$130.00} to a customer. In this amount {$20.00} was solo fees and other charges. Basically the loan amount was {$100.00} rest {$35.00} was tip and fees of Solo. I was suppose to get the return of {$150.00} in 2 weeks. 
The customer failed to make payment on time ( not sure as I am only aware of the customer name. His contact information was not disclosed to me ) The customer might have paid on time but Solo hiding the information. 
There was an offer from solo which did not had any information. The offer was for {$95.00} and it changed to {$67.00}. 
I emailed team solo to provide me more information about the offer but they just wasted time and all the time they demanded to prove my identity and the information on my solo app account. I provided couple of times but still no information was provided.. 
with the intension thst we pay solo fees thats the reason solo has offered me this amount on behalf of the loan and the rest they will recover and pay me. 
I accepted the offer of {$67.00}. 
Later it showed that the loan has been closed and the settlement is done for {$67.00} and this amount will be available in solo credit which I can only use to loan another customer. 
I emailed team solo that I dont want to do any settlement. I am willing to wait till the customers is not capable to pay me the money. In fact I am willing to forgive the money also if the customer is really in a bad shape. I dont want to give more problems to someone who is space facing problems. On humanity grounds I will forgive the entire loan. 
But solo forcefully close this deal and forcing me to take the loss when I am willing to wait. But solo telling now the deal is closed and nothing can happen. 
I emailed solo and informed them if solo has settled this deal with me for {$67.00} forcefully then they have no rights and authority to collect the money from the customer on my behalf. I am not giving any rights to recover my money from the customer to solo. I want the customer written letter that solo has settled this deal with the customer for {$67.00}. But there is no response from solo on this. 
I am being forced to closed this deal in loss by solo app. I am willing to wait but still solo forcefully closed this deal. 
Solo forced me to take loss and now on my investment they will recover the entire money from the customer. 
We dont know that the customer might have paid on time also but the payment is not made to us directly. Its made to solo first and then we get the payment. 
At the time of lending I had not accepted solo protection then solo should not give me any offers in the first place. They misguided me with offers instead of mentioning settlement. 
This is how they forcefully take our money and fill their pockets. 
How to get justice?
Product: Credit reporting or other personal consumer reports

Involved in a car accident a few years back and my personal property like my purse wallet phone driver 's license social security everything was left in my wrecked car and an impound yard and someone decided to live their best life as me while I was in XXXX  so for a period of 6 months
Product: Credit card

The balance transfer was not correctly explained triggering higher interest rates - refusal to accept payment to avoid higher interest rates. The balance transfer offer was dated on XX/XX/year> with a stated interest rate of 5.99 %. Credit card company refused to accept payment for a specific account transfer forcing the higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that I had an inquiry from this company on my credit report. I contacted the company and they couldn't not provide any information via phone, so I dated a letter to Transunion requesting the inquiry be removed or validation be provided. I received a letter from XXXX XXXX dated XX/XX/XXXX stating that they has validated the inquiry but DID NOT provide a contract, application nor a signature giving them ANY authorization to do a hard a inquiry on my credit on XX/XX/XXXX. I called XXXX XXXX  on XX/XX/XXXX and spoke with a representative " XXXX '' Employee ID XXXX and she confirmed that the inquiry was inaccurate and would be removed and I would receive a letter within 5-7 business days as they COULD NOT find an account, file not contact that I signed for credit and the inquiry would be removed within 30 days. 

That has yet to happen. On XX/XX/XXXX I sent a SECOND request to TransUnion and XXXX XXXX. I received yet another response from XXXX XXXX stating that I had applied for credit but they had failed to provide proof of such information. There wasn't a response from TransUnion.
Product: Checking or savings account

I was trying to cash a personal check amounting {$50.00} dollar at the Citizens Bank, XXXX XXXX XXXX, XXXX, PA XXXX this morning ( XX/XX/2018 ) by producing a my personal check to the teller -who said is also the manager of the Branch, ( name tag - XXXX XXXX ) In order to cash my own check, he asked for a Sate Issued ID. Unfortunately I did not have a state issued ID instead I gave my employer badge, issued by the Federal Reserve Bank of XXXX, that has my name and Photo ID. 

XXXX XXXX XXXX was very stubborn in insisting a sate ID or passport to get {$50.00} dollar even after he was able to verify my signature in the system and show an employer badge with Picture and name. And my account have much more than {$50.00} at this point of time. 

I feel like I am very much embarrassed, and felt like it is not a proper way of helping a customer, So I am filing my complaint with you to take up this matter at the appropriate level to 1 ) substantiate that this is strictly followed protocol of the Citizen Bank to cash out any check including a small amount of {$50.00}. 

2 ) If not, I feel like it is a targeted action by the employee of the bank. 

I even asked for his supervisor to present my situation, and he said he is the top one of the branch
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, 2020 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

On XX/XX/2022, I contacted Portfolio Recovery Associates ( XXXX XXXX XXXX ; XXXX XXXX ; XXXX, VA XXXX ) and asked them to send me the Original contract ; Creditor information ; Payment history of this alleged account ; Proof of ownership ; and Contract with Portfolio Recovery Associates authorizing consent for debt. I sent this certified mail ( # XXXX XXXX XXXX XXXX XXXX ) via the United States Postal Service. They had 30 days to send me this documentation. On XX/XX/2022, I contacted them again and told them they did not honor the 30 days and asked them to remove this inquiry from my credit report. They never did so on XX/XX/2022, I contacted XXXX, reported what was going on with Portfolio Recovery Associates and started another credit dispute and asked them to remove this credit dispute from my credit report because they never sent me the requested documentation.
Product: Debt collection

This debt should not be reported on my credit, I believe since this debt is older then 7 years under FCRA should not be on my credit file please remove as soon as possible under the law.
Product: Credit reporting or other personal consumer reports

CFPB sent me a letter stating that someone submitted complaints on my behalf but it was a falsely accusation. I did the letter many times and I have submitted dispute letters to the Credit Bureaus but the accounts are still on my credit report. It is really frustrating because it affects my credit score and my livelihood and. I will be attaching all the letters that I have sent to them here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I received an email notifying me that a XXXX account had been created using my email address, and seconds later I got a second email confirming my purchase for tickets using that XXXX account in the total amount of {$1800.00}. I knew I had not created this account and it had to be fraud, so in order to prevent the fraudulent parties from getting what they wanted, I went to XXXX  to attempt to reset the password to this fraudulent account, in order for me to get access to an account I had not set up and therefore didn't have the password to, so I could change the password and block the fraudulent parties 's access to that account. I set up a new password so I could then access the account. I first tried looking for a way in XXXX to cancel and return the tickets untouched, but there was no such option, so I immediately closed the XXXX account unused and called my credit card company, Chase, to report the fraud. In the months following, we had several calls with XXXX where they continued to state they were investigating my claim with statements that they would follow up with me within 24 to 48 hours with updates, which they never did. On XX/XX/XXXX, I received a letter from Chase that their findings were the charge was valid, so I contacted Chase and XXXX in tandem again to dispute the charge. On a subsequent call XX/XX/XXXX, XXXX admitted that the account was created fraudulently while Chase was on the line, but they never sent a confirmation email containing that statement on their letterhead as Chase required, nor did they issue a refund. On XX/XX/XXXX, I followed up again with Chase who informed me that I had to reach out to XXXX directly, which I did immediately. XXXX claimed that they'd won the chargeback claim that Chase issued, that the bank ( i.e. Chase ) agreed with XXXX that this transaction was not fraudulent, and that no refund would be issued. According to XXXX, part of their " Riskified '' process to prevent fraud was to send a text message to the account holder, and once that message was responded to with an approval, that validated the account. I stated to XXXX  that I received no such text message, and when asked what phone number XXXX used to send this supposed message, they said they had no record of the phone number used to send this text message. I did NOT create this fraudulent account. I did NOT purchase these tickets from XXXX. I do NOT agree with the decision rendered by XXXX or Chase, and I am filing a police report for this fraudulent charge in combination with this complaint. I intend to take legal action absent a timely refund for this fraudulent charge. I can provide records of the above actions upon request.
Product: Credit card or prepaid card

I used my American Express card on XX/XX/20 to pay a plumber. On XX/XX/20, I received an email stating that my card had been cancelled by American Express. I contacted the phone number provided and a customer service agent in the " responsible lending '' area had told me that he could not reinstate it, that a manager could and that it " may or may not '' run a credit check to reinstate. I asked him " So some people can have it reinstated without a credit check? '' and he told me " Yes. '' I told him that I did not want a credit check for a card I already had ( I did not want an additional inquiry for no reason ) and that I wanted to speak to a manager. He told me that he could not transfer me to a manager, that one would have to call me back. No manager has called me back. Today XX/XX/20, I logged on to view my American Express account online and it had a chat message stating that American Express had a message for me and the rep that connected through chat was of no assistance regarding my card and told me to call a 1-800 number to speak with someone about reinstating my card. I called and spoke with a rep who connected me to an agent in this same responsible lending/spending area and he told me he could not reinstate my card without running a credit check and that my card was cancelled due to inactivity. I told him I had just used my card 2 days prior and stated on that the American Express website specifically states " Will American Express cancel my Card due to inactivity? 
For your security, if we notice that your Card hasn't been used for a long period of time, we may close your account. Please be assured that we won't close your account without warning. We'll let you know if your Card is at risk of being deactivated and how you can keep your account open. '' ( https  : //www.americanexpress.com/us/customer-service/faq.card-inactivity-action.html ). I was never once contacted prior to them cancelling my card. I have never missed a payment with American Express, I have no missed payments on my credit report at all, they told me my score was a XXXX  through XXXX, and I am employed and make well more than enough to handle a card with a {$5000.00} limit. The manager had only told me that he would make a note of the website saying that and of American Express not notifying me prior to cancelling my card. This has caused my credit score to decrease due to the account closing and losing {$5000.00} in credit availability. I would like my account to be reinstated as it was or I would like compensate me for the damages to my credit report due to the unnecessary cancellation of my card. This is NOT how you treat customers who have been with you for 4 years and have never missed payments and have had their balances paid off!
Product: Mortgage

I am writing to you in need of your assistance with bank of America. I have tried to do 2 modifications with them and they have been both denied. the first one with no reason and the 2 one because my income ratio was not good for them, but under the guidelines I have send them I meet all the criteria for approval and then they came back saying that the lender is approving any modification. I was giving this email by the OCC, my case number is XXXX. 



please let me know if you can help me. 



XXXX
Product: Credit reporting or other personal consumer reports

I have asked all XXXX credit bureaus to investigate account XXXX # XXXX because I noticed multiple inaccuracies on the account. They all responded and said there was no changes needed. I asked for a re-investigation, where XXXX deleted the account due to the inaccuracies but XXXX and equifax have both just updated the accounts. I then created another dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. XXXX and equifax simply updated the account, by changing the payment history to not showing the charge offs. The information is still inaccurate when pulling my credit report, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off XXXX time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly investigate. I am demanding an immediate deletion of this account.
Product: Debt collection

This company contacted me concerning a debt they had been contracted to collect on with a letter dated XX/XX/year>. I responded and disputed the debt with my own letter dated XX/XX/year>. They responded with written correspondence XX/XX/year> with old documents that in no way proved the debt. Regardless they declared their intent to continue collections. This was attempted the same way by XXXX XXXX XXXX before they were charged by the Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the {$44.00} balance on my XXXX XXXX Credit Card on XXXX XXXX, 2022 and TransUnion docked me XXXX points on XX/XX/, 2022 which sank my score. I feel this is in error since XXXX points is such an extravagant about for paying my bill like I am required.