23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report and let you know that these unknown inquires are not mine. I do not recognize them, I have never gave anybody any permission for these inquires. Please remove them from my credit report and let me know when you are done. This is ridiculous that bureaus reporting misleading information and have no responsibility. Why I have to worry about their bad reporting? Why I have to suffer because of them? REMOVE THEM Please
Product: Credit card

I am contacting your agency because I need your help in disputing some charges done on my JC Penny Mastercard by a fraudulent company. I have paid several companies XXXX of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. XXXX XXXX XXXX was one of them and I would like you to investigate all charges done by them on my JC Penny Mastercard. They charged me twice once on XXXX/XXXX/16 for {$3000.00} on the statement says XXXX XXXX XXXX XXXX WA, and the second charge on XXXX/XXXX/16 for {$3500.00} on the statement says XXXX XXXX XXXX WA. I realized I paid XXXX of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car that was totaled an my insurance paid it an I had gap insurance the car got paid for an they have put it on my credit XXXX had it removed from XXXX an XXXX but XXXX  is saying they investigated it but clearly they didnt because they removed from the other ones so why can they not find out that it is false information
Product: Student loan

I first left school  fall of XXXX  I began paying on all my loans after the " rash '' in XXXX  I was placed on a " forbearance only repayment '' on the interest my principal doubled/ tripled and never went down I payed my payment with usually extra $ XXXX {$100.00} any where between $ XXXX {$400.00} every month for years and my principal never got touched they company customer service employees used to question my priorities asking how I kept my cellphone on but wasn't making my payments after awhile I lost my job and had to make a decision to have a cell for emergencies or pay a student loan bill that never lowered I never graduated and because I couldn't receive a loan in 2008 I had to drop out of school I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am writing to you regarding a recent discovery on my credit report that has caused me considerable concern. Upon reviewing my credit report, I noticed that an item associated with my XXXX XXXX account appears to have been categorized as a charge-off. However, I have not received any communication or documentation regarding this matter, including a XXXX form for a cancellation of debt. 

I want to sincerely express my gratitude for your attention to this matter and kindly request that you provide me with a XXXX form for the cancellation of debt associated with the aforementioned item. This documentation is crucial for me to accurately address and manage my financial situation, especially in light of the hardships I have faced recently. 

As you may be aware, I have experienced significant financial challenges in recent times, which have made it difficult for me to meet my financial obligations. While I have been actively working to improve my financial standing, the assistance of a XXXX form would greatly support my efforts in addressing this matter and rebuilding my credit for the future. 

I understand the importance of responsibly managing my financial affairs, and receiving the necessary documentation from XXXX XXXX would not only provide clarity but also enable me to take proactive steps towards resolving any outstanding issues. 

Your prompt attention to this request would be immensely appreciated, and I thank you in advance for your understanding and cooperation in this matter. Please do not hesitate to contact me should you require any further information or clarification. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 a letter was sent out asking that the collection account be removed from my credit report this letter also stated that they never sent a letter out notifying me of this debt and of the option to dispute it before being placed on my credit report. 

Original letter sent to company attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple address in my name THAT DONT BELONG TO ME : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX La,XXXX  XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX nj XXXX XXXX XXXX XXXX XXXX XXXX Tx,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Also i have names on my report thats not me XXXX XXXX THIS IS NOT MY NAME AND ANY THING IN THIS REPORT DOES NOT BELONG TO ME I WOULD LIKE ALL THINGS TO BE REMOVED IMMEDIATELY BECAUSE NONE OF THESE THINGS ON MY REPORT OR IN THIS STATEMENT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Responses from both Transunion and XXXX indicate that the issue of removing a middle initial was resolved. I continue to receive mail with a middle initial however, which I have never in my lifetime used. XXXX took the appropriate action and removed said middle initial. All I ask is that Transunion and XXXX respond with a similar action and response.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX, offers me for XXXX XXXX on XX/XX/21, tells me that I sent my bank data from USA, to make the payment, I proceed to send them my BANK OF AMERICA data, but it is not until the day XX/XX/21 that the person confirms that they had already made a deposit and that they had deposited more than the amount, {$6000.00} ( the amount to be canceled was {$2400.00} ), that I verified in the bank, I proceeded to verify in the bank and it was the money available ( in my checking account of BANK OF AMERICA ), not blocked, {$6000.00}, I inform him that there is correctly {$6000.00} as he informed me, he tells me that the difference will please return it to him and he gave me the account numbers in use of BANK OF AMERICA also to return them, I proceeded and returned the surplus, one for transfer {$2500.00} and another for XXXX {$1000.00}, on XX/XX/21 at around XXXX XXXX  the bank sent me an email telling me that I had a balance negative on the account, I log into my account and realize that the deposit is After being withheld, I call the bank and they tell me that a check was deposited and that I must wait until the next day for it to finish clarifying the status of the check. The next day the full deposit that had been made to me of {$6000.00} was reversed. I called the bank again, I explained the situation to them, so that they would please reverse the 2 transactions that I had made for {$3500.00}, they tell me that they will take the scam case and the transactions enter into dispute and that it can take from 10 to 90 business days. On XX/XX/21 I check the deposit through the BANK OF AMERICA online banking and I see that the deposited check is from the XXXX XXXX XXXX  of a company in XXXX called XXXX XXXX XXXX. I looked up their phone number on the internet and called them, asked for an email, and sent them copies of the deposit and the check. So far the company has not responded to me and neither has BANK OF AMERICA XX/XX/21, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Good morning this complaint is a continuing of our Case number : XXXX XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX on file all documents are attached on this complain case number : XXXX as today and is been more than 3 months month since we open this complain nothing has been resolved with chase bank a representative from the chase bank executive office name XXXX at the phone number XXXX ext XXXX call me on XX/XX/2015 to tell me ones again that my application for short sale has been denial and I have to complete a new application again despite that we have prove our hardship we have 5 month of late payments my income is less the {$34.00} a year I have provide all bank statements tax return invoice of repair for the property I have complete XXXX times the application because each time they denied the application they do n't pay attention and they do n't care for any complaint I am doing to your office the CFPB EACH complaint I send to you they do n't care because your office is not taking any legal action against the chase bank please note I have open today a complain to the Attorney general office explaining that the CFPB SO FAR IS NOT BEEN ANY HELP IN OUR CASEI AM ENCLOSING ALL MY INCOME INFORMATION BANK STAMENTS TAX RETURN AND INVOICES OF REPAIR TO THE PROPERTY SO YOU CAN CALCULATE AND TELL ME WHY I DO N'T QULAIFY FOR A SHORT SALE BY THE LAW THE BANK NEED TO INFOME THE REASON OF THE DENIAL AND SO FAR CHASE BANK JUST PLAY BY ASKING FOR MORE TIME AND MORE TIME VIA LETTER BUT AT THE END THEY DENIAL XXXX TIMES AND ASK FOR A NEW APLICATION PLEASE NOTE WE HAD A BUYER SINCE XXXX 2015 WITH STRONG OFERT {$34.00} cash and because the bank is been playing games the buyer withdraw the offer on XX/XX/2015 at this time the house is bank on the market looking for a new buyer
Product: Mortgage

We refinanced our loan in XXXX 2015, with XXXX XXXX XXXX XXXX XXXX Loan # XXXX. Our loan was sold to Nationstar Mortgage LLC effective XXXX XXXX, 2015, loan # XXXX. At the time our loan was transferred to Nationstar, per the letter their was a transferred escrow amount of {$1600.00}. Nationstar states they only received {$1.00} from XXXX XXXX from the transfer of the account. In the meantime, my homeowners insurance has expired because no one sent payment. And the {$1600.00} escrow account of my funds is missing. No one can tell me where the funds have been applied and why they are not in my current escrow account.
Product: Prepaid card

Hello, I purchased this card on XX/XX/year> with a load amount of XXXX XXXX The card was opened on XX/XX/year> and found to have the numbers on the front of the card missing as well as a sticky substance on the back of the card on the magnetic strip. We called the vanilla gift customer service and he assured me my XXXX $ was safe and he would open a case. I received a notification today that they are unable to give me the money back. We were unable to even use the card. I've called customer service many times with no help. I would like to have my XXXX $ back.
Product: Mortgage

On XX/XX/XXXX I attempted to access the online payment portal to view the due date for my mortgage payment. The website was not loading, and I tried opening it on multiple different browsers. I tried again the next day and had the same issues. I tried again on XX/XX/XXXX and decided to email the company 's ( XXXX ) customer support. I received an automated email back that said : " No-reply response This email is longer being monitored. If you are a customer, please log into our website and submit you request using self-service options. The website was still inoperable, and I had no other way to contact the company as it was now outside their business hours. The next day XX/XX/XXXX, I researched online to find that MANY people are experiencing issues with their website and unable to pay their mortgages on time. I have no idea when my mortgage payment is due and am unable to contact the company to get any answers.
Product: Mortgage

RPM mortgage, XXXX which was presented by XXXX XXXX, handled my poor house buying experience. On XXXX/XXXX/16, we signed an offer for a house for sale in XXXX XXXX and it was accepted on same day. XXXX stated that me and my husband are fully approved and cleared me to sign the removal of contingencies on XXXX/XXXX/16. XXXX stated that everything is good to go. 
On the last day of escrow day XXXX/XXXX/16 in the afternoon, XXXX XXXX from RPM sent me an email, stating that if I have a free time to call her, I called promptly even though the email does not seem urgent. They are asking me to provide them a current statement of account of my condo property in the XXXX which is impossible for me to get due to time difference and time constraint as the last day of escrow. Per my agent XXXX XXXX XXXX, seller is giving us 3 days to perform that will end on Saturday XXXX/XXXX/16, however, it falls on weekends in the XXXX so I can not contact anybody to assist me and there 's no on-line banking access available for me. I was repeatedly sending email of urgent request to my bank in the XXXX and hoping I can get immediate assistance. It was so stressful for me and my family to think whatever we can to provide what the lender is asking as they said, if I can not submit anything then they can not release the funding. Then, on Sunday XXXX XXXX but already Monday morning in the XXXX, I got an email from my bank in the XXXX ( XXXX bank ) saying that it needs to be processed within XXXX10 business days. XXXX stated that " It is over, can not proceed as the seller accepted 5 days guaranteed closing due to cash buyer ''. It was very difficult to hear that. I called my agent ( XXXX ) as I noticed that house to purchase is already back on market on Sunday ( XXXX/XXXX/16 ). Per XXXX XXXX, it 's because the extension to perform expired on Saturday XXXX/XXXX/16. Next, On Monday XXXX time, my agent called and said that the seller accepted a new offer and it 's not a cash buyer, it is also for new escrow processing. I can not understand what is going on as I was left alone all of the sudden at the end of the game. 
I truly believe that the lender jeopardized me and my rights tremendously to loose the opportunity to proceed, it cost me {$5000.00} as seller is keeping it from the down payment, also for the home inspection of {$350.00} and appraisal fee {$550.00}, for total {$5900.00}, and not mentioning the emotional distress and pressure for my whole family as we need to find an immediate place to move as our lease contract will be expired by the end of XXXX. We never expected this to happen. 
I attempted to contact XXXX to see if she can pay for all the damages made from their incompetence and negligence, however, she said she can only help for {$1000.00} and the appraisal fee of {$550.00}. If the lender did not cleared me to sign the contingencies and stating that everything is ok then, I should not proceed signing that made me loose the ability to refund my full down payment. I think it would be fair enough if the lender will reimburse me all hard earned money I lost from their fault.
Product: Mortgage

My name is  XXXX   XXXX , and I bought a home in  XXXX  from  XXXX  ndy Mac Bank.  I lost my home to foreclosure in  XXXX . I tried everything possible to save my home, an d Indy Mac Bank denied me a home loan modification. Instead Indy Mac Bank force d a foreclosure on my home and I lost my home in  XXXX . I even filed for bankruptcy on  XXXX  occasions to save my home,  but IndyMac Bank s till forced a foreclosure on my home. The address of the home I lost to foreclosure in  XXXX  was  XXXX   XXXX   XXXX ,  XXXX   XXXX , California  XXXX . I invested a lot of money on this home and I never got a dollar back fro m Indy Mac Bank. They ( Indy Mac Bank/One West Bank ) owe me a lot of money in return for forcing my h ome into foreclosure. Please help me with my compl aint. IndyMac Bank shoul d pay for what they did. Please help me recover some of the money I lost. Thank you for your help.   Sincerely,  XXXX   XXXX
Product: Debt collection

since my previous complaint on XX/XX/year>, I called True Accord again on XX/XX/year> and was told of a XXXX dollar debt with XXXX XXXX XXXX. Obviously this is different from my previous contact with them. I became concerned at that point because I gave all my personal information. After that conversation I looked at my credit report and it was removed but the damage was done already, my credit score was significantly impacted by this fraudulent company. My score is down XXXX point. I did get a screenshot of it before it was removed.
Product: Payday loan, title loan, or personal loan

I am willing to make payment arrangements but I am getting emails from an attorney threatening me with a warrant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to unfreeze my credit with Equifax ( the only reporting agency used by my bank ). I contacted them by phone and online multiple times. Their " security '' system was unable to confirm my identity because it contained incorrect information, which I was unable to correct because they couldn't verify my identity ( catch 22! ). 

I mailed ( certified ) requested documentation, which they received in the morning of XX/XX/XXXX. They stated 5-7 business days to rectify problem. They still have not as ofXX/XX/XXXX. My bank will be unable to process my application beyond XX/XX/XXXX. 

Equifax have refused to help me, despite my multiple requests, and are holding my credit hostage.
Product: Credit card

Express closed my card due to inactivity at the beginning of XXXX. However I had been trying to use the card since XXXX and had called them numerous times and asked why the card wasnt working because I had used it on XX/XX/year> and then paid it off in the amount of {$82.00} on XX/XX/year> and that left it at a XXXX balance. I tried to use it several times after that but it kept declining and I would call comenity bank/bread financial/express and they had the card disabled for no apparent reason and refused to enable it even though I had paid it off and had {$100.00} available credit. That happened once in XXXX, once in XXXX, and once in XXXX. Then they close the account which I have great payment history on in XXXX due to inactivity? So I tried to call them yesterday XX/XX/year> and when I try to call the credit card customer service number from my phone, it says youre not authorized to make this phone call so then I XXXX the same number and it goes through fine and I reached a person and they said they werent reopening my account and that Id have to reapply and I said I wanted to talk to a manager and he put me on hold then hung up on me. I cant even call them bc theyre someone disabled my number from reaching customer service.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agencies, In my previous complaint I requested to have this account removed and you denied in dishonor. Please see attached 1099-C showing the cancellation of debt for XXXX loan account XXXX by a Federal Government Agency . This form has been filed and accepted by the Internal Revenue Service. This is considered receipt of payment and you are now required to rectify the status account in good faith. 

Please update this account on my credit report to paid in full.
Product: Debt collection

I was issued a traffic ticket number XXXX. I requested a contested hearing within the 15 day time limit. See page XXXX of attachment. 
I did not hear anything about this traffic ticket until I was sent a letter from Transworld Systems Inc that I received on XXXX XXXX, 2017 that requested {$210.00}. See page XXXX of attachment. 
I mailed a dispute validity of debt letter today ( XXXX XXXX, 2017 ) Transworld Systems Inc. See page XXXX and XXXX of attachment.
Product: Debt collection

You will see that below I have submitted all the information necessary. I had a loan out XXXX years ago for a medical equipment device, and I felt very ill and XXXX. I was unable to repay it. That was XXXX years ago. I went into court, although I was XXXX with a XXXX XXXX on XX/XX/XXXX and, the court papers said that I was a no-show. I then negotiated with XXXX and XXXX later on a year later after being spun around from Absolute resolutions that they were a credit repair service and would a 100 % undoubtedly be able to remove this collection from my credit report and unfortunately they were not yet able after a year they seem to have taken over {$1200.00} {$200.00} per month for XXXX months //from me which couldve been towards the actual principal, nevertheless I go to pay them the agreed amount XXXX in XX/XX/XXXX as you could see in the picture and XXXX on XX/XX/XXXX they are reporting that I am defaulting regardless of payment now this is upsetting even more so that not only am I in collections, but the actual people that are supposed to collect the amounts XXXX XXXX, no longer answer their phones no longer answer their emails and there is no way for me to pay back the law firm and then law firm to pay back a very scrupulous Absolute resolutions
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in dispute letters to multiple inaccuracies of accounts thats on my credit report and their has been NO RESPONSE and its been 1 to 2 years regarding these open disputes. Ive contacted Experian ( certified mail, regular mail and phone ) numerous times regarding this and no action has been taken. 
Ive contacted Experian ( XX/XX/XXXX ) by phone and verified that these disputes are still open which was open in XXXX and XXXX.
Product: Credit card

in XX/XX/year> i won a bid on XXXX for a XXXX genuine gold bar, after testing it, XXXX said return it [ all documented ] and seller receieved it, XXXX refused to correspond, so i contacted pay pal, the credit card thru syncrony bank, .they said they sided w seller, go talk to syncrony bank XXXX back XXXX forth it went blaming each other .unresolved..pay pal clearly states full refund if not satisfied. this has not happened .i am a senior with cognitive impairments XXXX  XXXX they have defrauded me XXXX will not respond further but to contnue to send bills for XXXX even tho iv disputed this 5x.i have entire documentation from XXXX site they can NOT justify a XXXX credit as a refund on a XXXX returned item, this is full blown ludicricy, comtemt, ignorance, malice with the intent to commit fraud on a senior XXXX does not represent a refund for a XXXX item that XXXX allowed a fraud to occure .and why m i just now doing this is due to my ADA qualifying conditions of intractable chronic XXXX, limititing my daily life and my cognitive impairments XXXX  XXXX. but not limited to other issues in my life.Syncrony bank has every document faxed to them but are cluless they are wrong, in their ignorant determination
Product: Mortgage

On or around XX/XX/XXXX my state was hit by Hurricane Irma Around the XXXX I called my mortgage servicer and informed them I would need a forbearance. Currently the forbearance is being offered to anyone in Florida. 
My home is in a mandatory evac. zone and has incurred approximately 100,000.00 of damage. Around XX/XX/XXXX I checked my account and saw my servicer had drafted my payment. At that point I called and never received a follow up. Ive sent 5 emails and two registered letters ( attached ). 
Around XX/XX/XXXX I called " XXXX ''. 
They finally made contact and pushed the servicer to agree to the forbearance verbally for XXXX, XXXX XXXX. 
Today I became aware that they are labeling my acct as past due. 
I 've made several attempts to no avail. 
I need help on this situation.