23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I attempted to purchase sporting event tickets online through my financial institutions ( BOA ) XXXX XXXX however after I sent the money the person never sent the tickets. I contacted my financial institution and XXXX within an hour of the transfer to cancel the transaction however they said that there was nothing that they can do other than open an investigation and the chances of recovering my funds were extremely slim. I believe that since I contacted them within an hour of the transaction they should of been able to do a chargeback however they claim that was not possible and the transaction was essentially final and I had no recourse.
Product: Mortgage

In early XX/XX/2020, I contacted XXXX XXXX of XXXX to ask about a reverse mortgage. He informed me that he could not help as the current mortgage was too high. He referred me to XXXX XXXX XXXX XXXX  XXXX XXXX ( not XXXX XXXX XXXX ), with whom he was previously associated. XXXX XXXX stated he could help me and the application process began for a reverse mortgage with Finance of America Reverse ( FAR ). 
The property is currently owned by XXXX XXXX, my daughter with whom I reside, XXXX XXXX, my grandson and nephew of XXXX, and myself. XXXX and XXXX were prepared to gift the property to me, so that I could apply for a reverse mortgage. The mortgage is only in the name of XXXX XXXX. There was a 36 % equity in the property and I had funds to bring to closing for any shortfall in the equity requirement, which was over 37 %. 
I signed the application on XX/XX/2020. All requirements for documentation, income verification, credit report, bank accounts, etc. were supplied as requested. There was a delay in the appraisal of the property due to FAR 's tardiness. The appraisal was received at the end of XXXX for {$600000.00}, the amount stated on the application. FAR asked for a second appraisal, which also stated the amount as on the application. 
After continuous requests for further information and documentation, all of which was supplied, I was old by XXXX XXXX in XXXX that I had been approved but a few more items were required. These were supplied. 
I then heard nothing from XXXX XXXX and he would not respond to voice mails or emails so in XXXX I tried to contact FAR. I called the telephone number on the contract to get voice mail. I went on line and sent a message on the FAR site. I signed up on a XXXX advertising Campaign. I tried every telephone number that I could find and received no responses to emails or voice mails and no one could help me. 
Intermittently, XXXX XXXX would call and say it is going to happen but the underwriters just need more or updated information. There have been 4 requests for us to get payoff amounts from XXXX to XXXX. The last communication with XXXX XXXX was on XX/XX/XXXX, when he was supposed to find out about errors on an estimated settlement statement. There is a loan # XXXX on this statement as attached. Since then I have heard nothing.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE 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: Mortgage

Mortgage servicing bank for my home loan debited my checking account for my {$2200.00} XX/XX/2020 automatic ( EFT ) mortgage payment but did not apply the payment to my loan account. Without notification or explanation, the mortgage bank then returned my XXXX mortgage payment by mailed check in XXXX of 2020. 

The mortgage bank then reported, without notification to me, to all major credit reporting agencies that my XX/XX/2020 payment was past due by over 30-Days. This resulted in a drop in my credit score of over 100-Points that is now preventing me from getting a new loan at the lowest interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit which prompted me to check my credit report and when I did I noticed that Experian had reported 2 different social security numbers on my file and that I had negative accounts on my file as well. This obviously had been the cause for my denial for credit. So I contacted the Credit bureaus that I had noticed the 2 different social security accounts which means that the integrity of my information and put in question the accounts that were opened with this incorrect social security number. More specifically I advised them that the XXXX XXXX account and the associated collections accounts that were on my file were inaccurate and requested that they remove such information from my file. XXXX  removed it all and put it all back, on top of that they added the address of one of the collection agencies to my file as it it were my own address. I have request that the addresses be removed but they refuse to comply. As matter of fact, they keep update=ing the items at their will and keep saying that the confirmed that the accounts are mine. How can they confirm this there 2 different social security on my accounts, how can they confirm t his when the address to which the accounts are opened doesn't match my address, how can they confirm this when they are allowing incorrect addresses and incorrect social security accounts to appear on my file? Do the credit bureaus realize the severity of their actions? do they realize that they have done something that is detrimental to my credit file? they must remove these items and correct their own inadequate reporting at once.
Product: Checking or savings account

I have opened a new Citi Accelarate Savings account on XX/XX/XXXX with {$49000.00} which had an advertised interest rate of 2.36 % APY. On XX/XX/XXXX I received an interest payment of {$1.00} which does not match the interest rate advertised by Citi bank at 2.36 % APY. The statement is reflected as .02 % interest rate. I have filed a complaint with the bank and was advised that it has been fixed on XX/XX/XXXX and the applicable interest will be deposited into the account. On XX/XX/XXXX another interest payment of {$67.00} was deposited into the account with the balance of {$50000.00}. And the rate on the XX/XX/2019 statement is showing as 1.59 % even though when I call customer service I am being told that my interest rate is 2.36 APY. When I log in online the rate in being hidden and not reflected on the online banking. I feel like I am being lied to and taken advantage for misinterpretation by Citi bank. I have called again on XX/XX/XXXX and filed another complaint and waiting another week for a unknown resolution. Please help!
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On or about XX/XX/20 I was contacted by Recovery Partners LLC form XXXX XXXX XXXX XXXX, AZ XXXX They stated i had verbally agreed to make a payment to them for something that i did not do. I informed them that i was not going to pay them and to leave em alone. They have since then sent paperwork and phone calls harassing me. I am a XXXX Vet on on XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported on my credit without proper validation. I do not have a contract with this company. I need proof of Hipaa authorization transfer to this company and proof of signature, NOT JUST A BILL. 

Amounts : {$550.00}, {$870.00}, {$280.00}, {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding my credit report. On XX/XX/XXXX, I contacted Experian to dispute the following incorrect information on my credit report. To date, I have not received a response from Experian. I am providing the details of the inaccurate information and the required corrections as follows : The following account was never late : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$4500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Please remove it from my credit report.
Product: Debt collection

My husband and I unfortunately put down {$900.00} on a truck that was made out to be in great condition, however after having it for a few weeks we noticed there was a lot wrong with the truck. The buy here pay here carhop is a scam. My husband and I paid over {$400.00} every two weeks! We ended up in a collision and the front axle broke in half. That just shows that the truck wasnt in great condition to begin with. After that happened the truck wasnt marked as a total loss and this company put the loan on my credit and called it debt. When I sent a debt validation letter with all original documentation they came back with a letter stating frivolous dispute and still will not send me documentation that Ive requested. This company continues to mark delinquent on my credit but wont give me original documentation. Theres a reason why they got shut down at the exact location I bought this lemon.
Product: Credit reporting or other personal consumer reports

I settled my debt on my papal cash back XXXX in XXXX of 2024. I called them in XXXX to ask why they keep reporting late payments, and the supervisor told me it will be updated within 30 days. I told her its been over 30 days. The last payment was made in XXXX. I also told her that XXXX and XXXX need to be corrected because the account was settled on in XXXX and should have been closed after that settlement. Per the agreement, they promised to update the account to settled and paid. I disputed it with Experian and the dispute got updated to now show a late payment in XXXX! Ive settled on other debts and it doesnt take almost XXXX months to update. They are acting malicious at this point and sending information to the credit bureaus that isnt accurate. Ive even called them and theyre aware Ive paid the settlement in full. And theyre still choosing not to update it. I was even told by a customer service supervisor that she will put in a note to get it updated with the credit bureaus, and nothing came of that. all disputing it did was cause more harm to my credit score. This company needs to be looked into because what theyre doing is questionable. This harms peoples day to day livelihood. I filed a complaint against them already once and they have not answered that CFPB complaint so far. This is Exactly why people dont pay back debts because it doesnt help them in anyway apparantly. I was trying to do the right thing and pay back debt that we only incurred because of financial hardship that happened last summer. We arent bad people. We lost {$88000.00} On our House that wasnt selling while paying on another house. But I feel like Im being treated like a peasant and with disrespect. Instead of ignoring them, I called them to pay it back and I did what I said I was going to do. They need to stick to the agreement!!!! Stop reporting it as late!!!
Product: Credit card

XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Account number : ending in XXXX XXXX Last XXXX : XXXX Re : Complaint Discover has asked me to complete an additional verification with the IRS to verify my identity and my tax status. This is done with Discover obtaining my tax returns for the past two years. As I just came to the United States, I had no previous tax returns. So I called and they have sent me an enhanced notary verification form. They explicitly told me and as stated on the form itself and the email I have received, that I have to complete it with a bank I have an account with. So I went to several branches in my area but none of them offered notarizations. Only after driving XXXX miles down to XXXX, I finally got someone to notarize it. However, days after submitting it ( I even attached my driver license ), I was told that it is not enough and I should do it again. That's what I did. After driving around for another day, I found another branch in XXXX XXXX willing to notarize the form for me. However, the bank manager/notary XXXX XXXX XXXX XXXX XXXX XXXX ) from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has pointed out that there are several fields he is not allowed to complete. This is the same thing I was told while completing the first form in the XXXX branch. So far so good, he put a note on it, I got it notarized and it was rejected again. 

The lady on the phone then told me that the form is 'incomplete ' and that I can alternatively go to a XXXX XXXX to notarize it. How am I supposed to know this?! 
Everywhere on the form, and in the email I have received, it was stated that a bank where i have an account has to verify the statements. And that's exactly what I did! 

In addition to that, the lady on the phone told me that my account is gon na be closed. 
This would cause great harm to my credit report and could have long-term consequences for me. I signed up for the Discover card because I'm a XXXX  who's new to the XXXX wanting to build some credit and bridging some financial hardships I have experienced over the past months. 

To these two notary forms, I even added letters to describe my situation. EVERYTHING was rejected. This is unfair and unacceptable, plain and simple.

I have been to two different banks, I had to check out multiple branches in my area to find one who's willing to notarize this documents. And it's still not enough and my account is being closed. This is not even my fault. I demand this to be rectified.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 the funds transfer by Xoom XXXX transaction XXXX failed due to Recipient Account Invalid status reported by XXXX, refer to trxn history. The receiving bank is claiming they have not received the transfer and requesting XXXX documentation ( XXXX etc ) to investigate the problem. 

Requested Xoom XXXX for transaction docs but they have failed to provide it so far. Despite repeated reminders they are not cooperating. Knowing how EFT operates, Xoom XXXX should provide the docs in few hours not dragging it for days. 

The Xoom XXXX address is : XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was surprised to see incorrect accounts on my credit report this morning, and I dont know how they ended up there. I routinely check my credit report, but this time, unexpected errors appeared. I even refreshed my browser, hoping it was just a glitch, but nothing changed. Therefore, I am requesting a detailed review of the documents I provided to prevent any future concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account # XXXX company name Caine and Weiner company address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, account # XXXX XXXX company address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX and XXXX deleted all XXXX accounts and added them back to my credit report after it was deleted. This is against FCRA RULES. This is defamation of my character, my personal Characteristics, and my general mode of living. I shouldn't have to file this many complaints against these companies. According to THE FCRA and the FTC, it is their duty that these companies report accurate and precise information to my consumer report. I want all XXXX of these accounts deleted from MY CONSUMER REPORT because they were already deleted. I attached the paperwork sent to me from XXXX XXXX and XXXX with these accounts deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

Payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an item on my credit report that I believe to be an error. The item in question is as follows : XXXX XXXX. 

Nature of Dispute : XXXX XXXX I did not authorize the inquiry by XXXX which is reflected on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries are reported on my credit file. 
I kindly request that you investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please provide me with written confirmation of the actions taken to rectify this error.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Cash sent my.moeny three different time s to someone I did aithorzeitbwas in a toltal of XXXX cash app
Product: Credit card or prepaid card

Around XX/XX/XXXX, XXXX XXXX XXXX allowed someone to open an account under my name, I never opened, approved, applied to this company or even spoke to them. Someone received a credit card for the amount of {$400.00} and immediately Maxed it out. I wasnt aware of this account until i received a letter from a collections agency demanding payment. The account closed after 120 days of non payment in XX/XX/XXXX, i have reported this numberous times to all three credit agencies and XXXX XXXX XXXX   refuses to remove it. I have sent numerous requesting verification of the debt with no response over the last 6 Months. They are unable or unwilling to send any form of verification. I have spoken to XXXX XXXX XXXX directly and they refer me to the collection company that the debt was sold to, I have contacted the company many months ago and they removed the item from my credit report after my requests for verification were unable to be accommodated. I wish to see this removed from my credit reports and have since then placed a credit lock on all 3 credit agencies on behalf of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 inquiries from XXXX XXXX. They were within 30 days of each other. XXXX tells me that they did not order the second one. Again, they tell me that they did not order the second inquiry. Additionally, if they did run it... .without my permission, it was within the 30 day statute where it should not be recorded. Equifax keeps sending me disputes that says they are a matter of public record and that its too bad. Teach these XXXX  that they are in violation of the law.