23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Recently refinanced my mortgage. First payment was due on XXXX of 2019 I was paying weekly but then was informed I could not do that so they had to re apply my funds. I was told this was taken care of numerous times and on numerous phone calls and as recent as XXXX when I got another letter stating I was past due. Ive called 3 more times since then and emailed with no response and was even put on hold for 1/2 hour then disconnected. .my payments were as follows XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$1800.00} XXXX {$370.00} XXXX {$1700.00} Total of payments = {$6900.00} Monthly mortgage is {$1700.00} So for XXXX through XXXX I owe {$6900.00}. 
I have over paid by XXXX dollars and they keep telling me they are reversing the funds to correct it but I just got a notification that they reported it to my credit score. As of today my score dropped 48 points because of this. I need this fixed ASAP or I will be forced to take legal action. 
The only payment not shown is the XX/XX/XXXX which is not on account yet.
Product: Mortgage

This is a continuation of the last two submissions. The Court has a serious conflict of interest because its invested in the foreclosure. The BANKS have Every State Judge in the US invested in the Foreclosure of houses in the US, the Retirement funds of all state employees are mutually invested in Mortgage Backed Securities. What will clarify this statement is almost all of the Banks doing the foreclosures actually have the legal standing to do so. First of all the law says that Banks are not allowed to own property according to the Glass-Steagall act. All the Securitization of the mortgages is fraudulent because the banks are not the owners. The notes are not being held as promises, so ironically the retirement plans as far as the XXXX are concerned are worthless. Although the judges, have skin in the game to keep up the act, the banks have their families and livelihoods held hostage. This forensic report is about to world wide in many different languages in a co sponsored effort to reclaim our land and the people from the poverty/ XXXX  brought forth by the foreign oppressors. I look forward to hearing from you. I have turned in my H8 rescission form twice and its been over XXXX  days and the law firm of XXXX XXXX XXXX XXXX out of XXXX XXXX Louisiana will not respond. I have sent confirmation mail. I have told the judges assistant, but they are tied up in their retirement funds, obviously. I was never informed I could not resend the loan at the closing table because i was never given disclosures at foreclosure. Therefore it is my right to resend the mortgage. And it is my right to recoup my losses, al fees & interest ( s ) and all escrow ( s ). I am the original creditor the bank has no skin in the game, so this is not a mortgage contract. I was made third-party to a contract that I was unaware of the details that were set forth against me in the first place.. theyre in XXXX XXXX XXXX  at this point. This has destroyed my family of XXXX  years over stress my XXXX XXXX  will not have the upbringing that we have intended. It has destroyed my business and running to a reputation. I cant get back these precious moments of my life, nor can my close family or my immediate family, which has stressed my XXXX  to the hospital and now she is facing the end of her life a lot sooner than expected. And I know Im not alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I have yet to receive any letters on what happened with the deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my Transunion credit report that are Fruad I need these accounts blocked under 15 U.S. Code 1681c2. I have disputed these accounts and I have not received a response or block on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX XXXX Late dates : XXXX30 Creditor : XXXX XXXX Late dates : XXXX60, XXXX XXXX XXXX Late dates : XX/XX/XXXX30 XXXX XXXX XXXX dates:XX/XX/XXXX-60, XXXX30 ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Product: Credit reporting or other personal consumer reports

This is not a mistakeI am formally addressing the false and inaccurate information on my credit report that is unfairly impacting my financial standing. These errors have caused unnecessary stress, frustration, and harm, and despite my efforts to correct them, they remain unresolved. Additionally, banking and reporting errors are further damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to report payments and credits accurately, yet I have identified multiple issues. Some payments I made were not properly recorded, and there are clear miscalculations in the reported balances. Furthermore, I was not provided with the required 21-day notice before a payment was due, rendering any late payment marks invalid.
Product: Credit card

In my second statement received from Synchrony Bank for my purchases at Sam 's Club only {$71.00} were made by me and $ {$140.00} were fraudulent charges. When I tried to call the number on the statement, I had no option of " disputed charges '' or something close to that and was subjected to insults and humiliation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX  XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections XXXX on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX {$350.00} XXXX In XXXX ) I never used a single day of these XXXX XXXX service due to the governmental orders to shut down all gyms and non essential businesses. 
I contacted bank of America in XXXX because XXXX  XXXX headquarters shut down their phone service due to covid and I tried to contact them exhaustedly until I gave up. But Bank of America Rep kept insisted on telling me to contact XXXX  XXXX  headquarter with the phone number of merchant showed on my statement under those charges. And that was the one that was not in service during the shutdown that those charges recurrence. 
I had to battle through my credit cards right till the Rep agreed on the facts that those charges were impossible to question further because it is " governmental orders to shut down '' unless XXXX XXXXXXXX was breaking the law trying to sneak their members inside during that periods which I theoretically suggested to Bank of America Rep. Luckily he came to his common sense and disputed my case and said he'll reversed all the charges and make sure no future charges from XXXX  XXXX. 
Boa statement of XX/XX/XXXX : Transaction date XX/XX/XXXX Posting date XX/XX/XXXX Boa/XXXX XXXX  return of -39.99 $ And that was the only single charges that i got back out of all the one listed above. 

And until last month XX/XX/XXXX, XXXX XXXX charges again 2 more for 39.99 $ and 29.99 $! 
I contacted BOA immediately while those Charges were still pending. I requested the Rep to look back in XXXX statement and record showing I did all required steps to solve this and it cant be charging me again randomly after a while. I still not get all my money back and now they can just go ahead and charge while you are my banker who supposed to protect me as a client but open the door again for the same guy that robbed me more than twice. She said '' they can change their name as a merchant and charge you again, they do that all the time every new year with their old customer profiles ''! 
I said then it don't matter to you if it was few hundred dollars or few million dollars according to what she just said. I was very disappointed and felt like i both got scammed by BOA and XXXX XXXXXXXX at the same time as a consumer. Plus I has been with BOA since XXXX. 
Please help! Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries on report that are 2 years old, they need to be off my credit report please. I am trying to purchase a home and these are hindering my credit, I know they are old but my loan officer wants to show the underwriter I have had less than 5 inquiries. 

XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020
Product: Mortgage

I contacted XXXX XXXX, Mortgage Loan Officer, NMLS ID # XXXX at PNC Bank in the beginning of XX/XX/XXXX about getting pre-qualified for a loan. We had several phone conversations and sent several emails over the course of a few days. Since XX/XX/XXXX, I have been trying to reach him. He has not returned my phone calls, texts or emails. He has gone completely MIA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XX/XX/XXXX an auto loan account opened at XXXX XXXX on XX/XX/XXXX, a collection account opened at XXXX on XX/XX/XXXX with a balance of {$6900.00}, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$200.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my inability to access funds held with Capital One. Subsequent to filing said complaint, I received correspondence indicating the closure of my account. This action appears retaliatory in nature, seemingly taken in response to my lodging of the complaint.
Product: Checking or savings account

I attempted to dispute transactions within the standard regulation E time frame. XXXX and their sponsored bank, Credit Karma, do not follow Reg E, nor do they follow regulations tall. I was told by a rep that I would have access to my account to transfer my funds out. I received a letter of closure of the account ; effective this afternoon, my account was closed. On top of closing the account, reps from Credit Karma claimed that they would call me to resolve my issue. They apologized for " violating regulations, '' which isn't acceptable. They violated the law and discriminated against minorities and people of XXXX, and I am an XXXXXXXX XXXX XXXX  falling under that precedence. Furthermore, I am XXXX, and there are many complaints against XXXX  bank regarding XXXX  members, shame on XXXX for enabling discriminatory tactics in their business model.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified that I had a late payment with XXXXXXXX XXXX  when I contacted XXXXXXXX XXXX they admitted that they made a mistake when they purchased XXXXXXXX XXXX and that is all automatic payments did not migrate to their system. I was under the impression that my payments to XXXX XXXX are being deducted from my bank account as it was in the past with XXXX that turned out to be not the case on three different occasions I talked with XXXX XXXX representative and they all admitted that the bank had made an error in the reporting but they kept telling me that I have to file a credit dispute with the credit agencies which I did in the credit agencies came back all three of them that the information is correct and the debt was late they never took the time to investigate this simply just reaffirmed the debt on XX/XX/2023 I talk to XXXX XXXX XXXX and her supervisor at XXXXXXXX XXXX  XXXX XXXX XXXX who also admitted that the bank had made an error but she said that she couldnt do anything about it it is now in the hands of the credit agencies. If the credit agencies are reporting false information that is extremely damaging to my reputation and my financial well-being they should be held accountable I would appreciate your help in this matter as my credit score dropped by XXXX points because of the credit agencies actions as well as XXXX XXXX actions
Product: Debt collection

On XX/XX/XXXX, four US Postal money orders were mailed to Southern Management Systems and the expected arrival was XX/XX/XXXX ( which the company has confirmed was received when asked during a phone call on XX/XX/XXXX ). On each money order, the account number, address of Southern Management Systems, two Uniform Commercial Codes ( 3-603 and 3-311 ), a provision note and a signature without recourse. On three of the US Postal money orders sent, the provision note states I accept your offer in the amount of {$1000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. On one of the US Postal money orders sent, the provision note states I accept your offer in the amount of {$480.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. On XX/XX/XXXX at XXXX, a conversation was held with representative named XXXX XXXX During this conversation, I asked to confirm that the payment was received and she reassured me that it was. However, she also informed me that the payment was rejected because of the value of how much each US Postal money order costed. Each provision note on each US Postal money order was completely ignored, which proves that the company Southern Management Systems and its representatives are not knowledgeable with the Uniform Commercial Codes, accord and satisfaction, and tender of payment. This is unexpectable giving that Southern Management Systems is an establishment that handles payment via online link and mail, but yet the Uniform Commercial Codes was NOT honored when my payment was received and reviewed, given that the Uniform Commercial Codes is a set of laws that governs all commercial transactions in the United States. UCC 3-603 acknowledges tender of payment and UCC 3-311 acknowledges accord and satisfaction by use of instrument.
Product: Credit reporting or other personal consumer reports

Tonight, I was stunned to discover errors on my credit report, and I cant understand how they ended up there. I routinely check my report, but this time, discrepancies just appeared out of the blue. I even tried refreshing the browser, thinking it was a glitch, but nothing changedthe incorrect accounts stayed. Im asking that the documents Ive submitted be thoroughly reviewed so I can stop worrying about this.
Product: Credit card

The company advertises on their website ( www.carecredit.com/mastercard ) the ability to manage and redeem rewards using a mobile app or on their website. The company also sends regular emails including a link that they claim will lead to a website with the funtionality to redeem rewards. 

Both claims are false. 

The mobile app does not provide me the ability to view, manage or redeem rewards, nor does the company 's website. 

I have spent hours on the phone with the company trying to resolve this issue and have submitted a previous complaint via the CFPB portal. The company claimed to resolve my issue but this was another lie. The company provided a contact for me to follow up with regarding the complaint. The contact also failed to resolve the issue. 

The company is advertising a feature that it does not provide, constituting an unfair and deceptive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters as CFPB complaint requesting that the Credit Bureaus reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019, I had leased [ a recliner and a tv stand ]. On or about XX/XX/2019, I contacted XXXX XXXX to legally cancelled the lease. I was told the account would be closed and a recovery team would be sent to pick up the merchandise. On XX/XX/XXXX, the recovery team did pick up [ a recliner and tv stand ]. Without regard to, On or about XX/XX/2019 is when i had noticed that XXXX XXXX, a leasing company, sent to all three credit bureau that I was 30 days behind in payments. I then filed a dispute with Experian all the same, to include XXXX and XXXX  via United States Mail that XXXX was filing fraudulent claims of being behind with payment, nonetheless, I was told the filing was accurate and that it would remain on my credit history. Then On or about XX/XX/2019 I made several attempts to file a separate dispute that XXXX XXXX is filing fraudulent claims. XXXX  XXXX  filed another claim XX/XX/2019 now I am 120 days behind. Experian, XXXX and XXXX continue allowing XXXX XXXX, a leasing company, to file account is now 120 days past due. The next step is to file a lawsuit against all three credit bureaus for negligence if you unable to resolve this issue.
Product: Mortgage

For XXXX years, we maintained a mortgage contract with Fay Servicing, under the understanding that escrow would cover property taxes and insurance. When attempting to refinance with another lender, we discovered Fay Servicing had failed to pay property taxes, putting our home at risk of public auction. My husband and I had to pay the back taxes ourselves to prevent foreclosure, and Fay Servicing has not reimbursed us. This failure to uphold their contractual duties in managing escrow has caused significant financial and emotional distress, and we seek immediate compensation and a clear resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 XXXX to Remove Inaccurate Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : The following aliases are reporting incorrectly & need to be removed immediately : The following employers are reporting incorrectly & need to be removed immediately : By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 2ND AND FINAL ATTEMENTED TO RECEIVE DOCUMENTATION my name is XXXX XXXX XXXX, and I dispute the validity of the debt shown below and I am REQUESTING documentation showing the following validation of debt request : -Proof of your right to own/collect this alleged debt - HIPPA Contract bearing my personal signature Also, I am Requesting the name and address of the original creditor and HIPPA form with my signature giving Collection Agency XXXX XXXX XXXX XXXX XXXX permission to access and collect my medical records. 
ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$210.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$980.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$590.00} IF THIS REQUEST OF INFORMATION CAN NOT BE PROVIDED, PLEASE CEASE THIS COLLECTION IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN