23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Beginning of my hardship started end of XX/XX/XXXX, when my XXXX XXXX XXXX grandma was XXXX XXXX XXXXXXXX. My grandma raised me for the most of my life growing up she was pretty much my parent. She was on her last moments of her life due to the XXXX  and wasn't going to make it. I spent her last remaining moments with you before she passed. This caused me to be out of work and without pay. By the time i was back to work and bringing in income i was behind on my mortgage about a month. I was working to save up to get caught up on my mortgage. I was currently making my payments but only month behind. Then i had enough money saved up to get caught up my furnace went out on my house and car broke down. so my saved money went to repairing my furnace and car. Also during that time span Myself and XXXX of my children got XXXX XXXX XXXXXXXX. Which then again delayed some income coming in. I was able to keep making payments month behind. XX/XX/XXXX i was back on track and ready to save and get caught up. In XXXX i made a call to carrington mortgage to make my payment, I spoke with the customer service representative explained the situation again and asked best way i could get caught up and have automatic payments enrolled. She stated i need to get current which i new but i asked how. She said best way is to file for mortgage assistance. I did ask how it worked and did i have a good chance. she did say there is fair chance but it would be beneficial not make the payment i was going to make because it looks better during the mortgage assistance process if i am few months behind instead of one month. I did ask several times if she was sure, she stated yes. So I trusted her and filled out the mortgage assistance packet and did not pay. about 45 days passed i did not receive a call or anything. about the XXXX day i got a call from mortgage carrington stating i need to pay over XXXX to get current. i told them i was currently waiting on mortgage assistance answer. At that time they stated i was denied and need to make a payment. So here we are now i currently have great paying job with XXXX XXXX XXXXXXXX where i received a significant pay increase XXXX salary a year. i have been working with several third parties to help get this resolved. I just want to be able to save my home due i was mislead the customer service representative and i wouldn't been position if i wasnt mislead
Product: Credit card

RE : XXXX XXXX ( since married XXXX XXXX ) Entered into agreement in XXXX to settled account for {$1600.00}. First payment would begin XX/XX/XXXX and end XX/XX/XXXX. XXXX incorrectly advised XX/XX/XXXX ; but, my math came out to be XX/XX/XXXX. When I did not see XXXX updated to reflect this account settled, I disputed XX/XX/XXXX and XX/XX/XXXX. Both times the results were that the account was reported correctly. However, the XXXX report resulted in XXXX contacting me. I reiterated at that time the arrangement. They were able to confirm it was in fact settled and they were in error to advise XXXX it was outstanding. XXXX from Escalations assured me she would file XXXX complaints- XXXX for incorrectly advising XXXX and the second for not updating my credit in a timely manner. When I call back today, I can not get XXXX, but I get XXXX. I am then told they need XXXX MORE hours to re-investigate. However, they re-summarized the whole thing already to me. What additional time is needed?!
Product: Mortgage

This is an addendum to case number XXXX which was filed yesterday, XXXX/XXXX/2015. 
We believe the Suntrust Mortgage Company has intentionally delayed our short sale process to allow our mortgage to reset. We had all paperwork in and had been approved for the short sale. Our mortgage resets XXXX XXXX, 2015, and increases from approximately {$1200.00} to {$2400.00} per month. We can not afford the {$1000.00} increase. The agent has acknowledge receiving all documents on time, and that someone in Suntrust " dropped the ball ''. They are requiring us to resubmit all documents because of their errors resulting in " Stale dated '' documents. These delaying practices seem ominously similar to the actions of XXXX which the CFPB and Federal Trade Comission which you took serious action against XX/XX/XXXX, fining them XXXX in restitution and XXXX in civil money penalt for it 's illegal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Wellsfargo over 10 times and filed several complaint.Being a member for almost 7 years I got a personal loan with them in 2018. I have contacted them about several inaccuracies on my personal loan. Recently I made a second attempt to purchase my first home and due to the negligence on the banks end I once again lost my opportunity because of my credit score.My report has been inaccurate for more than a year and I have never not made a payment .One of the payments is showing inaccurate but I reached out to the bank and advised that I was unable to make one due to inaccuracies with there online portal. I was told by several representatives and there executive office that I have nothing to worry about because no fees or negative impacts will affect me because it's an error on the banks end due to a system issue.Months later my credit report shows not only that I made a late payment but that I have a balance. My credit has dropped significantly due to this error and all I have received is empty promises.I will be making my third attempt soon to buy my home and I hope that the bank can correct this error.This has been no fault of my own .I would like all inaccuracies remove from my credit immediately.
Product: Debt collection

Transunion recently moved a collection on my account that was previously Sunrise collector for XXXX now they added back on my credit report under a different collector XXXX XXXX XXXX this debit was previously removed from credit report no validation or acknowledgment being mines was ever validated I never had an XXXX account ever I was always with XXXX  PLEASE REMOVE IMMEDIATELY
Product: Checking or savings account

Citizens bank froze my online access on or around XX/XX/2023. I received a letter stating that my accounts were closed but funds would not be issued until XX/XX/2023, this sizsure and delay of the availability of funds is unacceptable.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my Citi Bank issued XXXX XXXX XXXX Mastercard to purchase two airline tickets from XXXX XXXX in the amount of {$420.00} per ticket. Upon receiving my XX/XX/XXXX statement, I noticed I had been incorrectly double-charged for both tickets since there were four charges for {$420.00} instead of two. I immediately notified Citi Bank of the unauthorized charges and they opened a dispute claim for each of the disputed charges. Citi Bank also issued a conditional credit for both double charges and I went ahead and paid for the two tickets that I purchased. In XXXX of XXXX, I received a written notification from Citi Bank letting me know that one of the double charges was being officially removed and I would no longer be responsible for that charge. During that same month, I received a separate written notification that the other double charge would not be removed and I would be responsible for paying {$420.00} to cover this unauthorized charge on my account. Following that correspondance, I sent a written explanation of the double charged and requested that this charge, like the previously removed charge, be removed from my account as well. Yet another conditional credit was applied to my account during the dispute investigation. Unfortunately, the charge was re-applied to my account in XXXX of XXXX and as of XX/XX/XXXX has not been removed despite multiple efforts at a resolution via written communication, phone calls, and online chats with Citibank representatives. Citibank is now requesting payment of the {$420.00} by XX/XX/XXXX or I will be responsible for interest charges as well as a late fee of up to {$35.00}. I purchased two tickets and it is unacceptable that I am being charged for three.
Product: Debt collection

Reasons for the Deletion I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. 
The reasons why these items should be deleted are indicated below. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) 15 USC 1681 ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items had been deleted pursuant to 611 ( a ) ( 6 ) 15 USC 1681J ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 15 USA 168 ( j ), there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against the XXXX major credit reporting agenciesTransUnion, XXXX, and XXXXregarding their handling of my recent disputes. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Despite my efforts to dispute inaccuracies on my credit report, none of these agencies conducted a proper investigation. Specifically : XXXX XXXX XXXX " XXXX XXXX ", in the amount of {$280.00} XXXX XXXX XXXX in the amount of {$1000.00} and XXXX XXXX XXXX in the amount of {$1700.00}. 
There rare also numerous of fradulent inquiries on my Tranunion credit profile and XXXX. such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Failure to Investigate Disputes : Each agency did not adequately investigate the information I disputed. I provided supporting documentation to substantiate my claims, but my disputes were dismissed without a thorough review. 

Lack of Original Contracts : I requested original contracts and documentation related to the disputed accounts, but I did not receive any. This lack of transparency raises concerns about the validity of the debts reported. 
Failure to Validate Debt : The agencies did not validate the debts as required under the FCRA. Without proper validation, the accounts in question should not be reported on my credit file.

These issues violate 15 U.S.C. 1681b, which outlines permissible purposes for consumer reports, and the FCRA 's requirements for accurate reporting and dispute resolution. Furthermore, the agencies failed to address my disputes in a timely manner, as mandated by law. 
I respectfully request that the CFPB investigate this matter and take action to ensure compliance by these agencies. I believe the disputed accounts should be removed from my credit report, given the lack of proper investigation and validation.
Product: Credit card

I have already had a complaint about Synchrony Bank in XXXX XXXX My account was closed on XXXX after making a {$100.00} payment, way over my minimum balance on time each month. My account was closed on XXXX I am going to dispute the transaction. It implies negatively against your credit. 

I have maintained a credit score of over 700 until my car payment was disconnected from my bank account for after a year. I have worked earnestly to catch my car payment up and that will be reflected on my credit score on XXXX XXXX XXXX  I like to ensure my bills are paid and maintain a good credit score. Its been affected by XXXX points. However, even through XXXX I have managed to ensure it is up to date. 

What are the odds this happened during this time? They seek to have a reason to close your account because you went against them previously for cutting your spending power, making it look like youre utilizing 100 % when I was utilizing between 30 % -40 % prior to the cut. Then close the account on XX/XX/XXXX when my credit score is the lowest its been in years due to the car payment incident. I will be disputing the account closure. Synchrony Bank obviously does not want peoples money, or ones who pay them on time. They do not know the reasoning behind the dip in my score.
Product: Credit reporting or other personal consumer reports

My name social security number and my addresses and other personal information I asked for them delete And they keep putting old credit on my report They will charge it off and then resale my information and it back on my credit report when they keep reselling my information which isnt proper or legal
Product: Mortgage

Based on the recent News headline : " Wells Fargo Loan Modification Errors '' We tried to modify our Wells Fargo loan between this time period reported XX/XX/XXXX to XX/XX/XXXX and were denied over 20 plus times, we went to court mediation and offered them XXXX of my XXXX and they refused. After a year of meeting with them at the courthouse, they told us at the last session, they do not modify. Myself and the court-appointed mediator were dumbfounded, however, we continued to try and eventually had to short sale the home in XX/XX/XXXX. The damage, emotional, physical stress has been immense, we are still trying to recover, we are a family of XXXX, the kids took the impact of this event hard. We would like to know if we have any recourse to help get back some of what was taken if this all was due to an error on their behalf. We believe we were a victim of the computer error that has recently been reported in the news regarding loan modifications at Wells during this time period, this would explain why we were forced to short sell or be foreclosed on.
Product: Credit reporting or other personal consumer reports

RECVD LETTER STATING I OWE XXXX I CURRENTLY AM WITH THEM AND THIS IS NOT MY DEBIT IT IS FRAUD. FTC AND ID SUBMITTED.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ), on XXXX its ( XX/XX/XXXX ), and on Equifax its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ( XXXX ) ; Account Number XXXX
Product: Credit card

On XX/XX/XXXX at around XXXX or so I went on XXXX and purchased two gallons of paint and three paint sticks for same day delivery free of charge from the XXXX Lowes . I proceeded to checkout with my balance becoming XXXX. I placed my ordered arms received a confirmation from the store about my order being successfully confirmed. I wasn't sure or concerned when my order arrived because I would be home to receive it. I then received a phone call from the store asking have I received my order.She then stated that her manager told her to check and see have I received my order in which i stated at approximately after XXXX i hadn't. She then proceeds to hang up insuring me she was gon na look into it. I thought that was a very strange phone call so I decided to call and see EXACTLY when my order would arrive to my home. The computerized information stated I was suppose to have received my order between XXXX and XXXX. At this point it was way after XXXX XXXX  XXXX ny order was officially missing.. I then proceeded to all the company on the phone and asked where is my order.. The associate told me that my order had been already picked up from the locker and on the delivery truck as we speak. It was even showing OUT FOR DELIVERY VIA APP! After numerous phone calls back and forth that day I not only didn't receive my order but I was handled unprofessionally y the store associate manager in which she said there's nothing she do! Ma'am are you serious?

Y'all or some one has stolen my order. I then proceeded to call the company at the customer service center and was told to wait until the charges reflect a.d then call back to file a dispute. I STILL wasn't satisfied so I filed a dispute via online through the chat in which I had to wait over an hour for. XXXX was the online associate and after he filed a paper on my behalf he also told me he was gon na file a report of some kind fo track the delivery truck. I have waited almost a month and half to be told I'm responsible for the charges!! I did everything I was supposed to and even thought my placing my order online would be safer to do rather than go in the stores. It's totally unfair that I have to pay for something I never received! The people at this particular store KNOWS what happened to my order because the associate who called me was sounding very suspicious on the phone which prompted me to investigate my order. I don't deserved to be liable for these charges and Lowe 's need to follow the truck, associates and all other parties involved and NOT hold me liable for doing the right thing in which using my credit card in my personal account online.. Please help me! Thank you
Product: Credit reporting

Experian has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Experian as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Experian has continued to report this along with a civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Experian but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Experian credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which experian has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both mentally and financially.
Product: Debt collection

1. Failure to validate the alleged debt as per my rights under the FDCPA. To date, the agency has not provided any documentation proving the validity of this debt, yet they continue to attempt to collect it. 

2. The collection agency has contacted me in an abusive and harassing manner, including calling multiple times per day, calling at odd hours, using threatening language. These actions are in direct violation of the FDCPAs provisions regarding harassment and abuse. 

3. The collection agency has reported this alleged debt to the credit bureaus without validating it and has failed to mark the account as " disputed '' despite my request. This violates the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting of debt information. 

4. The agency has threatened legal action that has not been initiated, in violation of the FDCPAs rules against using false or misleading representations.
Product: Checking or savings account

I file a complaint with you guys 60 days ago the company responded stating I will have my money within 60 days and I still dont have my money I want to know what I do now! Make a police report? Get a lawyer? Because at this point my money was stolen by the bank and they wont give it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the parent/co-signer on my son 's student loan that is serviced by Key Bank/XXXX XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXXXXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX/Key Bank reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that Key Bank has no process to settle accounts. I want to be able to settle the account due to the unfair damage Key Bank/XXXX XXXX caused me on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion, XXXX, and XXXX credit files, an old account from XXXX XXXX XXXX  is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and XXXX XXXX XXXX. The 3 bureaus all claim that XXXX XXXX  verified the accuracy of the information, yet XXXX XXXX  has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to XXXX XXXX  was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.