23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loancare messed up my accounts charged me late fees, a huge amount of interests and provided me inaccurate pay-off statements
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

The debt was originally with XXXX XXXX I reached out to XXXX XXXXXXXX on XXXX XXXX to advise that I would like to pay the debt. I was advised that the loan was no longer with them and given to collection company XXXX XXXX. The loan was sent to the collection company XXXX XXXX. I paid the debt off on XX/XX/XXXX in full and was advised that XXXX XXXX would send a letter to delete the debt to all the reporting credit bureaus within 90 days of payment. I received a letter through email from XXXX on the date of payment XXXX XXXX that I paid the debt, that I will attach. As of XX/XX/XXXX the debt remains on credit report with Transunion. I called and spoke with XXXX at XXXX on XX/XX/XXXX and was advised that they had sent communications to Transunion to delete the debit. I advised XXXX that the debt was still present and XXXX advised that I needed to deal with Transunion directly. I called and spoke with a rep at Transunion that same day as to which I was advised they had not received any documentation from XXXX XXXX. The account number of the debt is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complain XXXX XXXX XXXX XXXX, XXXX of legal age, with email XXXX, and in my capacity as owner of the policy XXXX with an effective date of XX/XX/2019, as I certify with the document attached to this email, I respectfully appear to expose : That I have come to file a complaint against the company XXXX  XXXX XXXX XXXX XXXX with address at XXXX XXXX XXXX, XXXX XXXX TX XXXX E.U.A. 

That on XX/XX/2019, the undersigned carry out a contract called offset transaction, which had the objective of terminating the contractual rental relationship with reference XXXX, which I attached to this document in format pdf in order to prove my saying. 
From said contract at the point indicated with number 4, a policy that they would have to pay emerges which has as data the policy XXXX, single folio XXXX, document series XXXX, with settlement date XXXX, for an amount of {$7600.00} USD, and which covers the amount of {$310000.00} USD.
Product: Mortgage

I 'm currently in chapter XXXX bankruptcy. My mortgage was serviced by XXXX  Transferred to Caliber Home loans.On XX/XX/XXXX I received a notice from XXXX that I missed 16 mortgage payments for my first mortgage.I called and spoke with a customer service and he explained to me my payments for the first mortgage we 're incorrectly applied to the second and they would transfer the payments back to the first and all would be current. Three years later at the end of my Bankruptcy Caliber home loans my new servicer answered the final cure payment stating that I 'm not current on my mortgage and I 'm {$16000.00} behind on payments. I called explained to Caliber on two occasions and in a email for payment history from XX/XX/XXXX until XX/XX/XXXX and was told they could n't provide that for me.I also emailed them which they answered and once again in a email stated they could n't provide info for me to call them.I proceeded to call them and they stated for me to ask my trustee for any info owed I explained in detail that 's not what I 'm requesting I need the info for the Second mortgage and they refused.My lawyer also asked their lawyer and they stated they could n't get me the info requested.This is why I 'm looking for information by submitting this form.
Product: Debt collection

I receive daily texts from radius global claiming I have a debt that needs to be paid but Ive never received written information about the debt. I do not believe I have any outstanding debt and my credit report does not show any debts in collection. So I believe this is a scam, can you please help me For reference, they are claiming I am responsible for case number XXXX Please have them proof of my debt Thanks!
Product: Credit card or prepaid card

had a fraud charge on my account. I called in to get it removed. a week later it still shows I owe for the fraud charge
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Violation of Consumer Law ( 15 U.S.C 1801 and 1802 ) - Removal of student loans. 

Department of EducationXXXX {$4500.00} XXXX Department of EducationXXXX {$3800.00} XXXX Department of EducationXXXXT {$2200.00} XXXX Dear XXXX XXXX I am writing to formally dispute and bring to your attention certain actions that I believe are in violation of the provisions outlined in the Consumer Credit Protection Act ( 15 U.S.C 1801 et seq. ). Specifically, I am concerned about your handling of my student loans, and I request immediate resolution in accordance with relevant consumer protection laws.

As per Consumer Credit Protection Act, Title I - Consumer Credit Cost Disclosure ( 15 U.S.C 1801 and 1802 ), creditors are required to provide accurate and timely information to consumers, ensure transparency, and comply with fair practices. I believe that your actions with regard to my student loans have deviated from these fundamental principles.

I have identified the following issues that warrant attention : Inaccurate Reporting : I have noticed discrepancies in the reporting of my student loans account on my credit report. It is essential that the information you provide to credit reporting agencies is accurate and up-to-date to ensure the fairness and accuracy of my credit profile.

Lack of Transparency : I have encountered challenges in obtaining clear and comprehensive information about my loan terms, repayment options, and any potential changes to my loan conditions. Transparency is crucial in maintaining a healthy consumer-creditor relationship.

Failure to Provide Notices : I have not received essential notices and communication regarding my loan account as required by law. It is your responsibility to ensure that consumers are kept informed about any changes to their loan terms or account status.

I kindly request that you take the following actions : Conduct a thorough review of my loan account to rectify any inaccuracies and discrepancies in reporting to the credit bureaus. Provide me with complete and transparent information about my loan terms, repayment options, and any changes that may have occurred during the life of the loan.

Furnish all required notices and communications pertaining to my loan account as mandated by the Consumer Credit Protection Act.

I understand that resolving these issues may take some time, but I expect your prompt attention to this matter. I am prepared to cooperate fully and provide any necessary documentation to facilitate the resolution process.

Please respond in writing to this dispute within 30 days of receiving this letter. In your response, please outline the steps you intend to take to address the aforementioned issues and provide a timeline for the resolution.

If my concerns are not addressed satisfactorily and in a timely manner, I may be forced to escalate this matter further, including filing a complaint with the appropriate regulatory authorities. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau several times about inquiries that do not belong to me! this info is fraudulent and i want it investigated and removed from my credit report!
Product: Checking or savings account

In late XX/XX/2022, my spouse mentioned to me that her account was getting a XXXX XXXX  monthly fee and it was eating up the little savings she had in the account. So on XX/XX/XXXX, I wrote a check from my account at Citibank to deposit in her account which is also at Citibank. I checked with her daily to make sure it had been deposited and today I found out the check had been returned and her account assessed a {$12.00} fee. When I asked about why the item was returned I was told initially that my account was frozen which turned out to me false. A second customer service representative then told me that I had not " activated '' my check book in order to write checks so any check I wrote would be rejected. I couldn't find any reference in my account agreement, online, or on my check books to any requirement to " activate '' my checkbook. I tried searching the citibank website and the web generally and only found ways to activate a debit card and complaints from other people about getting their checks returned and facing fees from other companies. On top of that, the customer service person I spoke to couldn't figure out how to activate my checkbook either. This seems to me to be a deceptive and or unfair practice under XXXX. After a third call I was able to get a rep to refund the fee on my wife 's account, this rep also had no idea about activating a check book. But could you imagine the headache of what would happen if you got that check rejected at a store? Well the complaints I found online certainly got to experience that. End of the day I had to waste a ton of time to get the refund and now I want to close my account. Oh but wait, I can't write checks still because no one can activate my checkbook. If I try to close my account Citi will take 15 days to send me a check. I tried to set up an online transfer out of the bank but I am limited in how much I can remove each month. So my money is stuck at Citibank for at least two weeks. The banks practices here need some scrutiny. They are harming consumers with this activation process that is not standard in banking and comes with no notice.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 

Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

State of Michigan keeps reporting that I haven't made a payment in over 120 days I have disputed it 2xs with experience now and they keep telling me state of Michigan is accurately reporting they are not. State of Michigan has been receiving {$81.00} every 2 weeks for at least the last 5 or 6  months as it comes directly out of my unemployment the most recent was Wednesday XX/XX/2021 that they recieved an {$81.00} payment but still claim nothing is being paid and making my credit go down every month and I can't reach anyone at the state of Michigan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : XXXX  XXXX XXXX added incorrect remark
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account shows that I missed a payment on XX/XX/2021 which is not true. On XXXX it shows that I payed on time, but on equifax and XXXX  show late payment.
Product: Credit reporting or other personal consumer reports

Someone used my information for accounts without my knowledge.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX, 2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

I XXXX XXXX XXXX for my elderly mother, and one of them is a 4 family home that we secured a mortgage on with KeyBank. This winter, one of the tenants had a fire which destroyed her unit and caused some exterior damage and minor smoke damage to the other units. We contracted a company that specializes in fire damage, and a public adjuster to represent us with the insurance company. The repairs were completed over 2 months ago. We received a final payment for " recoverable depreciation for building damage '' that the insurance company held back until the repairs were completed, and we were given approvals by the local building inspector. The check was made payable to my mother, the public adjuster and the bank. I have been trying to get the bank to endorse the check for the past month and a half, and they keep putting one obstacle after another in front of me. The check was for {$21000.00} and is needed to pay off the adjuster for his services. No one at the bank seems to have any accountability or sense of urgency in resolving this issue. The most recent effort involved them sending an inspection company that they hired to ensure all the repairs have been completed. He was able to inspect the repaired unit, and all the common area hallways and stair wells. He claims that he was unable to inspect the occupied units, even though all 3 tenants claim they were home. He set up another time to go, I notified the tenants of the time, and they claim he never came. Then he asked if I would have the tenants send me pictures of each room in their units, which I did. Then I circled back with the bank to see if they would now release the endorsement. Then they claimed the inspection company would not sign off on anything until they had more pictures, pictures that the inspector should have had no issue getting each time he allegedly went there ( common areas and attic ). I am at my wits end trying to just close this matter up, and the bank doesn't seem to care about it one way or another. My most recent contact at the bank is a Ms. XXXX XXXX ( " Lead Specialist '' in the KeyBank corporate office claims department ( XXXX, phone : XXXX ) Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

I contacted Citizens Bank today to find out why a check I mobile deposited last week is still pending on my account. I was told the check was being investigated by the fraud department. 

My issues are : - I was not contacted by the bank to let me know this was taking place. 
- I have deposited at least four checks from this company that the check is from. 
- The check is for {$3400.00}, not {$34000.00}. Why is it being investigated in the first place? 
- Why is the bank post date for the check XX/XX/15, almost two weeks after I deposited it without any explaination?
Product: Money transfer, virtual currency, or money service

Hello, I attempted to send {$700.00} to XXXX on XX/XX/XXXX and there was a last name error on the transfer. I contacted Western Union and they told me I could not make major adjustments and that I'll have to cancel the transaction, get a refund and resend. I agreed and authorized the customer rep. to cancel the transaction. Immediately after the cancellation, I got an email saying my transaction is cancelled and that I should expect a refund in 7 business days maximum. Western Union also told me to expect an email confirmation that the funds have been sent. I never got the email confirmation. After the 7 business days, I contacted WU, via chat, repeatedly that I still don't have my funds. They told me they sent it and my bank should have it. Not true, as at today, XX/XX/2018, there still can not confirm to me that they have sent the funds or where my funds are. Everybody I contact seem no to have any information. They always promise to escalate but nothing happens. They even told me to send my bank statement to some email, to prove I'm not lying I believe. This is over the pale and I hope you can assist.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill his legal obligation under the fair credit reporting act XXXX to conduct a reasonable and re-investigation of disputed information on my credit report, leaving in accurate or unverified accounts, unresolved the consumer financial protection bureau CFPB has recently filed a lawsuit against Experian alleging, systematic issues such as failing support consumer provided evidence to furnish accepting reliable responses and failing to adequately, notify consumers of dispute outcomes These failures align with my experience will experience has never corrected or removed the disputed items despite the evidence I provided causing ongoing harm to my credit standing Im requesting immediate corrective action to remove or amend the disputed accounts at Experian in action, violate federal law, and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Re : Request for Blocking and Deletion of Accounts Due to Data Breach I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts mentioned below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The accounts in question, which are at risk due to the breach, are as follows : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$440.00XXXX XXXX XXXX XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} Additionally, I am requesting that the following inquiry also be investigated and removed as part of this process : XXXX XXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

credit inquiries made that I didn't consent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX XXXX XXXX to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, at XXXX I had got an alert from trans Union XXXX XXXX XXXX and XXXX XXXX my accounts have been compromised internally. My information has been stolen and there are so many different accounts opening up.