23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was refinancing with Cross Country Mortgage in XXXX of XXXX. It was closing on XX/XX/XXXX. One thing XXXX XXXX from Cross Country Mortgage promised us is our first payment would be due XX/XX/XXXX. On XX/XX/XXXX when the notary came to sign the papers at our house, she noticed that the first payment date was XX/XX/XXXX. I immediately called XXXX XXXX and put him on speaker so the notary could hear and I had a witness. XXXX said that he would correct the paperwork after it was signed because it was going to hold up payment. I turned to the notary and she said that she is a witness. It turns out that Cross country sold my mortgage XXXX days later to XXXX and the XXXX payment was due XX/XX/XXXX. I called Cross country and said " they aren't going to do anything '' I am having the notary named XXXX write mean affidavit to what was said by Cross country on that phone call. My lawyer said today that they have breached our contract and that is why they sold it to XXXX. Cross country is even keeping my escrow payment that was supposed to have been sent to me after it closed. Please someone help with this XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my XXXX still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the XXXX accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer for XXXX XXXX  XXXX since XXXX. I have NEVER been late in my credit card payments, all my payment are current and paid on time. On XXXX, XXXX XXXX I called XXXXXXXX XXXX  XXXX about a late payment reporting error took place, and advised me to reach out to the credit bureau agency who is reporting this error by mistake. I reached out to the credit bureau TRANSUNION CONSUMER SOLUTIONS in this case and never received an update for more than 30 days now. I am asking for this late payment error to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a XXXX late in 2015 that I should not have. I never received any statements or notification about this late, I always make my payments on time and when I did finally find out about the late I paid it immediately. I don't know why my account was late this one time and would appreciate it being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Issue I have an account with Toyota Motor Credit that is currently CLOSED and PAID OFF. However, the account and history is only being reported to XXXX and XXXX. It is not being reported to XXXX. The account previously was reporting to XXXX. PLEASE NOTE, I AM NOT DISPUTING THIS ACCOUNT, THEREFORE A DISPUTE COMMENT SHOULD NOT BE INSERTED ON THE ACCOUNT WITH THE CREDIT REPORTING AGENCIES. Refer to Screenshot attached to this complaint for credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect hard inquiries reported on my credit profile to Equifax. I did not authorize those inquiries. They are as follows : 1. XXXX/XXXX  date XX/XX/2019 2. XXXX XXXX date XX/XX/2019 3. XXXX XXXX/XXXX  date XX/XX/2019 I want these inaccurate and unauthorized inquiries removed immediately.
Product: Mortgage

I have a XXXX mortgage with Fifth Third Bank. I pay more than the min payment each month. I also send in a small payment after I make my primary payment for the month. I specifically write both on the memo line of my check and on the mortgage statement " principal only ''. Every time I do this Fifth Third Bank applies my extra payment to principal. I then have to go through the exercise every month of calling them and making them reverse it. I do n't understand why if the loan is current and the payment has been made that month I can not make a principal only payment.
Product: Credit card or prepaid card

I filled out an application in the store offering the credit card ( Sam '' s Club ). They said it was under my husband 's name but was denied. This took place on XXXX XXXX XXXX. I then submitted my information and they said I was denied ( the clerk had called the bank and I spoke with them directly and they said they could not tell me the reason over the phone that I would get a letter in the mail explaining the reason. My husband then received a letter from the bank along with a credit card! They had reversed some numbers in his social security number. I called them again to inquire as to why I was denied and the assured me I would have a letter from them by XXXX XXXX XXXX.  Today is the XXXX and I got no letter in the mail today. I called again today and they said they could not tell me why I was denied and they have no idea if a letter was sent to me or not ; said they must have the wrong address or said it must have been lost in the mail. I assured them that the address was correct as they had sent a letter to my husband. I asked if they frequently discriminated against women as my husband received a letter and a credit card 3 weeks ago. I then asked for a supervisor and told her my concerns and asked for the name and address of the government agency to contact. They girl I spoke to before getting the supervisor told me I would have to look up the information on line which is a clear violation because they are supposed to provide it to me. I want to know why I was denied. I have excellent credit and have been waiting to get this issue resolved before applying for a reverse mortgage that my husband and I want to take out. I can not do this with this issue hanging over my head.
Product: Money transfer, virtual currency, or money service

Several occasions I had money taken from my account by cashapp and was never explained why and they would not return it. And also refunds that they would not process.
Product: Money transfer, virtual currency, or money service

SCAMMERS! VENMO IS A CRIIMINAL ORGANISATION! 
Beginning XXXX I tried to withdraw funds from my account and they immediately froze my venmo account after I tried to withdraw asking for me to submit my ID. on the XXXX of XXXX I have received this email that my account has been unfrozen : We're contacting you because your account was recently frozen. 
After review, we have unfrozen your account. You should be able to use Venmo as normal, but you may need to log out and back in to see this change reflected in your app. 
We apologize for any inconvenience this situation may have created. Please reply this this email if you have any questions. 
Team Venmo -- -- -- -- I then tried to withdraw my money once again on XXXX XXXX XXXX! first I got a message that funds or on their way and then again!!!! guess what account frozen!!!!! VENMO JUST FOOLS PEOPLE IN ENDLESS VERIFICATION LOOPS IN ORDER NOT TO PAY THEM. I will inform the FBI
Product: Credit reporting or other personal consumer reports

I disputed an alleged debt on my Equifax credit report over 90 days ago and requested that Equifax provide documentation substantiating the validity of the account. Despite multiple written requests, Equifax has only responded by stating the debt was verified without providing any proof, such as signed agreements or account statements. Under the Fair Credit Reporting Act, if a debt can not be verified, it must be removed from my report. I also raised concerns under the Fair Debt Collection Practices Act, which requires detailed validation if the debt has been sold or transferred to a collection agency. Equifaxs lack of meaningful documentation or confirmation has left me with unresolved negative information on my credit file, causing me financial harm and uncertainty. My follow-up disputes and attempts to obtain validation went unanswered beyond generic form letters, prompting this new complaint to ensure compliance with federal law and the proper removal of any unverified debt.
Product: Credit card

Credit Card : Citi ( AA Advantage Miles ) Mastercard XX/XX/XXXX : I noticed charges on my Citi Mastercard that weren't mine and I didn't make with the card. Citi Fraud Dispute Dept. was notified, charges were investigated and removed, credits were issued to my account. That card ending in ( XXXX ) was deactivated. I was sent a new card ending in ( XXXX ). 
XX/XX/XXXX : Repeat of the above. ( XXXX ) was deactivated, I was sent ( XXXX  ). 
XX/XX/XXXX : Repeat of the above. Card ( XXXX ) was deactivated, and I was sent ( XXXX ). This time I noticed the fraudulent charges were coming from an XXXX digital wallet. I do not have an XXXX phone, nor have an XXXX digital wallet and had NEVER had one. The Citi fraud rep said they would put in the request to cancel the AUTOMATIC transfer of the new card information to all digital wallets and reoccurring accounts. I was unaware Citi even engaged in that practice. It seems counterintuitive from a cybersecurity standpoint that if I was reporting fraud, they would forward new card information anywhere to anyone. 
XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XX/XX/XXXX : Exact repeat of the above. All fraudulent charges are coming from a certain XXXX digital wallet ending in ( XXXX ). Each of the above calls, I am told by the Citi fraud rep that I can not cancel the card because of the ongoing fraud investigations. They WILL NOT send it to any digital wallets, etc., and that they will send a new card ending in ( XXXX  ) and ( XXXX  ). On XX/XX/XXXX, I insisted they close the account. I can fully see the issue in on their end by consistently forwarding my new card # to the same digital wallet! I was told, " If you cancel your card or close your account, you will loose ALL of your AA airline miles linked to the card!!!! 
This is an unacceptable business practice on Citi 's part. I did want to loose my miles, so I allowed them to send one more card ( XXXX  ). Citi assured my ALL digital wallet activity would be deactivated, and only a physical card would be accepted for purchases. 
XXXX XXXX, XXXX : On XX/XX/XXXX, XXXX, I received card ( XXXX ) but DID NOT activate the card for fear the above scenario would repeat itself. When I checked online I saw 7 more charges that obviously I did not make, since I did not activate the new card. Of course, the same digital wallet was used to make the purchases from XX/XX/XXXX on! I called again, asking for a fraud supervisor. I was given the same spiel as above. However, this time Citi 's culpability was exposed for I had not even activated the most current card! I spoke with XXXX # XXXX a fraud dept. supervisor. The next card they will send will be the seventh card I've been sent trying to remedy this problem. PLEASE help me. I want to close the account while keeping my miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1900.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The accounts on the credit report does not belong to me I do not reside in Virginia
Product: Checking or savings account

My account was charged off however when I tried to make payments online I also get a notification stated that the website is either down or under going maintenance. I have had to fly back into the XXXX XXXX to make a payment directly. 

I never gave vystar written consent to furnish anything to my credit report. Please remove the charge and allow me a few day to make my payment in full.
Product: Mortgage

Mr cooper was supposed to pay me back what I overpaid for taxes within 30 days. It has now been 90 days and they " forget to send the check '' to me. I have all written communication of them withholding {$8100.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX. During this pandemic I had lost some income due to loss of some work. I called XXXX XXXX XXXX  and was told I can go on a smaller monthly payment and lowered interest rate for 5 months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account 60 days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for 5 months. We weren't even near the 5 months. I made the payment they wanted and requested to please remove that 60 day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from XXXX  and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full 5 months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.
Product: Credit reporting or other personal consumer reports

On the XXXX XXXX XXXX the below/ attached letter was sent to all credit reporting agencies.

I am writing as my final notice to EXPERIAN/ XXXX XXXX to remove the XXXX XXXX XXXX Account XXXX from my Credit Report as the account has been closed and I am officially opting out of reporting the said account. 

Per the Fair Credit Reporting Act ( FCRA ), I XXXX, a Federally Protected Consumer and natural person hereby revoke Any and Every Authorization, I the consumer may have given you knowingly or unknowingly, written or unwrtten, verbal or non- verbal per 15 USC 6802.

This act is in violation of the Privacy Act of 1974 and an invasion and intrusion to my privacy.

It is a fact that no account can be reported without my consent pursuant to 16 CFR 313. 

XXXX XXXX XXXX  has affirmed their position in reporting the account closed and have reportedly opened a request with the Consumer Financial Protection Bureau ( CFPB ) for a removal from my credit report with all Credit Agencies.

In addition to violationg 15 USC 6802, this act further violates 15 USC 1681b for permissible purposes under the law and will be reported to the appropriate authorities. 

If no action is taken within XXXX banking days, this letter will be uploaded to the CFPB website as communication evidence for further investigation. 

I look forward to a positive resolution on this matter.
Product: Credit reporting or other personal consumer reports

I value your help too Remove a portion of the data in my credit file that came about because of fraud yet I have items passed on that should be taken out or removed Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX  Balance {$7000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$870.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$450.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received a letter in the mail on XX/XX/XXXX indicating that the interest rate on my Chase Freedom credit card would be increasing from 8.24 % to 13.24 % in XX/XX/XXXX. Given that I have held this account for over 10 years, with no missed payments, and holding an excellent credit score, I called and sent messages to dispute the increase and attempt to negotiate a lower increase to my APR. The Customer Service reps used several tactics to dismiss my request, including saying that it was too late to dispute the increase, that the changes are to align my APR with APRs currently being offered, that my interest rate is variable and periodically increases due to changes in the prime rate, and finally dismissing me by saying I do not have an option to dispute the rate increase ; I could either accept the increase or close my account. My responses to these dismissals were that I had just received the letter indicating the increase that day, so how was it too late for me to dispute the increase? Regarding aligning my account with current APRs being offered, I interpreted this as being penalized for being a long-standing customer. I indicated my understanding that my APR is variable, but that a 5 % increase was exorbitant. Prime rates have increased by approximately .75 % in the past year, so why is my interest rate increasing by 5 %?
Product: Credit card

I booked Pilgrimage tour with XXXX  I put majority of the charge on my XXXX XXXX and XXXX dollars on my XXXX XXXX XXXX  When the merchant canceled the trip, which cost me a lot of money since I have already purchased my nonrefundable flight and couple of hotel nights and took off days from work I requested credit from them they declined. I filed a dispute with XXXX XXXX and they were able to get the exact money refunded to me, however XXXX XXXX XXXX has been incapable for the past XXXX months  to get the last XXXX dollar back from the merchant is capable their phone system is terrible and every time I call they just brush me off and open the case and put me through the same cycle for XXXX  months. This is my worst experience with the credit card company. I need my XXXX dollar back from the merchant by XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me at recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving vulnerable users to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is incorrectly reporting account XXXX as being PAID, and closed, but charged off with all XXXX CRA 's. This account has never been paid ; they are using this classification to keep this data on my credit reports indefinitely. The first date of delinquency was XX/XX/XXXX ; then the account was charged off in XX/XX/XXXX. There has been no payment since the account was charged off. The account per the FCRA should be removed on XX/XX/XXXX, which is seven years from the date of the first delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Ive notice this fraudulent account As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these accountsunder Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX  Balance : {$980.00} XXXX XXXX XXXX Balance {$880.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I have tried to modify my mortgage with Rushmore for many months. I submitted a modification package through XXXX XXXX. Rushmore refused to consider it and I was forced to file bankruptcy when the company moved to foreclose. Subsequently they forced me to enter into a five month trial period for over {$2300.00} per month. I can not afford these payments.

I want to add that this is the sixth company that have serviced my loan. I have fulfilled trial payment periods in the past after which the loan was transferred to another servicer.
Product: Credit reporting or other personal consumer reports

Capital One Financial Corporation XXXX, XXXX, and XXXX Subject : Demand for Removal of Fraudulent Credit Inquiry Within XXXX  Days Dear Capital One and Credit Bureau XXXX, I am formally requesting the immediate removal of a fraudulent inquiry from my credit report, which resulted from an incident of identity theft. As the documented victim of this crime, evidenced by my Federal Trade Commission ( FTC ) identity theft report ( Report Number : XXXX ), I am exercising my rights to ensure the protection of my financial identity and credit integrity.