23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, XXXX my wife and I received a home equity loan on a property located at XXXX XXXX XXXX, XXXX, Ca. XXXX, in the amount of {$80000.00} from XXXX XXXX XXXX XXXX XXXX, sold later to First Tennessee Bank. The property was foreclosed upon 3 years later. My wife and I received several notifications of the impending foreclosure but we could not continue making the monthly payments due to losing my job. We did n't receive notices or any communication from the holders of the home equity line of credit regarding the foreclosure proceeding and we continue making the {$210.00} monthly payments. In XXXX payments increased to over {$800.00}. We had difficulty with the increase, but have made irregular payments and believe the account to be up to date. My understanding is the holder of the home equity line of credit must be notified of the foreclosure and release its interest in the property for a negotiated amount of the sale price prior to the property being sold to another buyer. I need to know if that happened with this property. I contacted First Tennessee Bank to attempt to settle the loan for a cash payment less than the balance but was told the loan was unsecured and for me to submit a full financial disclosure form prior to discussing the situation. My working life is ending soon and I 'd like to settle this debt.
Product: Credit reporting or other personal consumer reports

LEXISNEXIS provided erroneous information to XXXX XXXX XXXX resulting in insurance premiums being doubled. LEXISNEXIS reported a person named XXXX XXXX XXXX as living at my address. No such person exists at my address. This person has a horrible driving record so XXXX XXXX XXXX added them to my policy and doubled my policy premiums. I do not know who this person is and no such person lives in the building.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2020 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : Credit reporting agency name : EXPERIAN Alleged account # ( 1 ) XXXX  Creditor XXXX, account type : Revolving. ( 2 ) XXXX Creditor XXXX XXXX XXXX, account type Revolving. ( 3 ) 15 Creditor XXXX  XXXX XXXX account type revolving. ( 4 )  XXXX Creditor XXXX, account type revolving. ( 5 ) XXXX creditor XXXX XXXX, account type revolving. ( 6 ) XXXX XXXX XXXX XXXX  account type revolving. ( 7 ) XXXX Creditor XXXX XXXX XXXX, account type revolving
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.,
Product: Money transfer, virtual currency, or money service

XX/XX/year> I reached out to XXXX customer service team for an issue with their app. There is a way to be able to see your card numbers if for some reason you arent near the physical one. For some reason my visual card on the app will not show. I thought this would be a simple XXXX hours and several reps later Im still getting the exact same instructions that hadnt worked any of the times Id been instructed to do previously. I was told they were going to mark this complaint as resolved because they had no more information. I gave up that night. XX/XX/year> I reached out again in hopes someone would know what they were doing. Nope, I was sent the exact same messages that Id received XXXX  days before. XX/XX/year> I thought best I call customer service to see if they could resolve the issue. XX/XX/year> I go to the pharmacy to pick up my XXXX medication that XXXX cant live without just to have my card declined XXXX  times. All of my money was on that card. There was no notification or reason for the cancellation of my card. Now they are telling me I have to purchase another card when it hasnt been but a few months since I purchased the one they deactivated. I have been corresponding with XXXX, XXXX XXXX  XXXX who has followed suit with the rest of the XXXX team and done absolutely nothing other than I need to buy a new card and he was closing the case. I do not feel that I should have to pay anything considering there were no means for cancellation. Their negligence caused me to scramble around in order to get the money for my medication. They are wrong for canceling it and if it werent for the grace of XXXX I could very well not even be able to file this complaint. I appreciate any help you can provide me with this matter. This entire experience with CashApp has been a nightmare. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes Regarding inaccuracies in my credit report.Despite my submission, Equifax consistently responds within 24hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations.I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This is the account that Ive marked inaccurate. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I inquired about loans from One Main Financial. On the final page, which is intentionally created to confuse the consumer, it says to check a box if you would like OMF to show you offers for loans and that they would then check your credit.

HOWEVER, below that it very clearly states that having OMF check your credit will NOT affect your credit. ( Please see screen shot attached ) Within seconds of agreeing to proceed all my credit reports were hit with a hard inquiry. 

I called OMF on XX/XX/XXXX asking why this happened and then I was given the run around that I needed to speak to a specific department and to call back Monday. 

I called today and was redirected twice to a department that was clearly set up to handle this exact issue. There are thousands of complaints about this issue online. Like reading from a script they denied their authorization was deceiving or confusing and refused to remove the inquiry. They also will not stop calling me or emailing to approve one of the loan of offers. Pure harassment at this point. 

This is a very intentionally deceptive practice clearly created to confuse and bamboozle the consumer. 

OMF has numerous lawsuits and complaints for deceptive practices spanning years. This is simply another attempt to scam and harass the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent the Consumer reporting Agency TransUnion and certified Letter TRACKING # XXXX with green return receipt. 

Letting TransUnion know, in accordance with the FAIR CREDIT REPORTING ACT, 15 U.S.C 1681c Section 605 reporting periods only run 7 or 10 years depending on the type of information. in my case, the information in question is OUTDATED and EXPIRED and needs to be deleted from my consumer report. 

Account name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I would like for the LENDING CLUB to remove ACCOUNT # XXXX because it is showing {$0.00}. The account balance shows {$0.00}. As of date, this account is reportedly inaccurately on my report. I am asking that you do this now. I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.
Product: Money transfer, virtual currency, or money service

I am really hoping you can help me, last XX/XX/2021, Paypal sent me an email informing me that they are permanently ceased me from using my paypal account and the funds on my account will be on hold for XXXX, they said that they will make my money available for me on or before XX/XX/2021 and they will inform me thru my email, yet they haven't sent me an email on how i can get my money back and i have sent them an email 3 times now, but there were no response from them. Its been very frustating for me for Paypal to hold my money for such a long time especially with the current situation ( pandemic ) still i patiently waited for the date they said my money would be available but no response from them.
Product: Credit card

Received an offer on my XXXXMiles Member account to receive XXXX bonus miles after {$1000.00} purchase if I obtained a XXXX XXXX XXXX. When the card arrived in the mail the paperwork indicated I would only receive XXXX miles. I called customer service, they opened a case and said they did not know of any XXXX miles offer. The following day I received the same offer for XXXX in the mail. I emailed the retention area the copies and have been getting the run around for two weeks. I never activated the card as I had no intention of keeping it if this was a scam. I called today and requested they close the account as I did not wish to pay the annual fee which was billed to me. The paymentioned was due and I was not paying the if I was n't keeping the card.
Product: Checking or savings account

citizens bank did not properly close my debit card that was reported lost and stolen. The card ending with XXXX was closed mid XXXX. The merchant from XXXX XXXX and XXXX  should not been able to take funds out of my account with my old debit card. this jeopardize the security of my account and for a quest accounts I pay {$25.00} a month and should have better benefits for an account like that and and the {$30.00} extended overdraft fees are ridiculous. they put the extended overdraft fee before one day before.
Product: Mortgage

I believe that XXXX XXXX formerly know as Nationstar Mortgage company is operating in fraud. I have requested the original contract that gives them the right to collect this debt from me. So far, I have not gotten anything back. I respectfully request a fully refund when they can not produce this document. This loan was sold to them without my consent from another lender which makes this loan invalid.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( XXXX  ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights XXXX 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have had a coinbase account for about 2 years. On XX/XX/21 I got emails where my ethereum in my coinbase account was transferred to XXXX. I have not made any transactions on the account in awhile and so I was concerned. When I tried to get into the account it would not let me in. There is an option for help with support and I opened a complaint ticket XXXX explaining my problem. they replied back telling me they need to some investigating and then they replied back that the issues was resolved and that i can log in. I have changed the passwords and done everything the emails direct me to do but I still can not access my account. I know the account is there because they will send me notices about tezos stacking rewards but i cant access the funds. the cryptocurrency is increasing in value so I know that the value of the account has also increased. What was about XXXX is probably closer to XXXX if not more now and I can not get into the account. I have reached out and readdressed the ticket about 3-4 times with the same nonsense response and i am still unable to access my account. 
I would appreciate anything you can do to help XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX that starts with the following numbers XXXX which is closed because it was paid in full shows XXXX late payments which never happened as you can see the account is paid in full. I have contacted XXXX several times and they do not respond to my request, they tell me that it does not appear that I have had accounts with them. Please if you can help me remove these from my report. Thank you very much. 
Account closed paid in full XX/XX/year>.
Product: Credit card

I have been a credit card customer of Citi ( Citibank ) for decades with no history of late payments. On XX/XX/year> I received a text from Citibank indicating that my payment of over $ XXXX had not been received. The due date for the payment was XX/XX/year>. I called Citibank and a representative told me falsely that 1 ) my payment had not arrived yet, 2 ) that I could not make a payment by wire and 3 ) that if my payment was late even by a day I would incur interest and fees and the late payment would be reported to credit agencies. 

I made a XXXX payment of over $ XXXX via XXXX in order to make the payment as quickly as possible given that I was told that I could not make a wire payment. I had to supply my bank information ( routing and account number ) a number of times over the phone as the Citibank rep kept asking me to repeat the information. 

Turns out Citibank had received my payment on XX/XX/year> ( prior to the due date ) and had sent the text by mistake. In a follow up conversation, I was told by a Citibank supervisor that I was not the only one to get that inaccurate text and could not explain why the Citibank rep was not aware of the payment when I called, why I was told I could not wire in the payment and why I was told that I would incur interest/fees and a report to the credit reporting agencies since Citibank apparently has a policy not to report a late payment until at least 30 days late.
Product: Credit card or prepaid card

Good Morning, Please find attached the following documents supporting that we did not use United Visa Card for the expenses of {$790.00} USD at XXXX XXXX on XX/XX/XXXX and of {$1500.00} at XXXX XXXX on XX/XX/XXXX : 1. Travel Confirmation reflecting I was in XXXX at the time the card was used 2. Confirmation my brother used XXXX  in XXXX  on XX/XX/XXXX XXXX. My brother Bank Statement ( Marriott Chase Visa ) reflecting charges in XXXX  on XX/XX/XXXX and XXXX Given Chase your fraud policy ( XXXX XXXX XXXX ) and our history as clients, we are extremely surprised of how you've handled the situation. The fact that I was not in the United States at that time and that my Brother who is also a Chase CardHolder used one of your cards in XXXX XXXX on those same dates clearly reflects that we are not responsible for those charges. I also called Chase immediately as I received a notification to inform you that those charges were not ours and to this date I haven't received a response after calling several times. I've also just noticed that I'm being charged a Minimum Payment due on the credit card. 

Thank you in advance for your help.
Product: Debt collection

I had some credit card debt with XXXX XXXX ( XXXX XXXX XXXX ). In XXXX i made payment arrangements for the debt with XXXX XXXX XXXX ( tel. XXXX ). I made monthly payment of {$150.00} until the debt of {$3000.00} was paid inXX/XX/XXXX. The collection company has gone out of business and the debt is still showing on my credit report. It has been very difficult to have it removed. I have the cancelled checks for each payment to the collection agency. 

I received a call from XXXX XXXX of Miller Stark Klein & Associates on the morning of XX/XX/XXXX. She claimed she was calling to setup a hearing for collection of the debt owed to XXXX XXXX. She proceeded to give me all sorts of my own personal information and then an ultimatum of three options : 1. ) Pay a settlement amount of {$1600.00} today 2. ) Pay {$6400.00} over 6 installments paid monthly or 3. ) Setup a hearing and pay {$12000.00}. 

I explained that I had already paid this debt and the circumstances surrounding the loan and she stated that the payments were made to an unauthorized collector. When reviewing the firm online I found a number of complaints about attempted collection of old debt and the tactics the company uses to scare consumers into making payments that may not be warranted. I have filed a complaint with the Attorney General 's offices of both Arizona and North Carolina.
Product: Debt collection

i contacted senex services about several medical bills that are on my credit report. i admitted that i owe the debt and i asked for copies of each account number because the credit report only displays partial account numbers. the woman on the phone refused and asked why i wanted the account numbers. i stated that i was interested in paying each account on a different date. she said i was not allowed to do that and then stated that she could offer me a settlement if i paid all at once. i said no. i told her that i will only pay one at a time and only if they remove each account from my credit report once paid. she said that it was up to management if they would do a pay to delete and i asked what that meant and she said it depends on what kind of mood her boss was in that day and i have to send a letter explaining to them why i didn't pay the debt in the first place. and she threatened to sue me if i didn't pay. this company won't send copies of my accounts and is abusive i want copies of each account and i promise of a pay to delete from this company medical bills should be able to be deleted my XXXX caused these bills in the first place how the debts originated is none of there business and why should i be subject to someone's mood to delete accounts from my report i think this agency is shady at best i contacted the original creditor and was told this company purchased these debts for pennies on the dollar and that is why they were so quick to offer a settlement. i will also be contacting my state 's a.g about this matter
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously. 


ALL of these accounts should NOT be showing up on my report and are indeed fraudulent. The accounts showing up were all mostly opened between XXXX, when unbeknownst to me, I became a victim of the Equifax data breach, and the most recent XXXX breach. I also had a couple of my sisters use my credit unbeknownst to me, and the ones listed are amongst the many they have used to apply for apartments, cars, etc.
Product: Debt collection

I was notified through a credit monitoring service that I have a collection outstanding with Professional Finance Company XXXX XXXX, XXXX, Colorado. I contacted them on Friday XXXX XXXX, 2015, in order to get verification that 1. ) the debt is valid and 2. ) information regarding from whom the alleged debt is being collected, 3. ) any sort of proof that I was properly served by the alleged debt collector and/or the debt collection agency ( i.e. a certifiied mail receipt or something like that. ) The representative refused to give me proper information and stated that if I were to determine that the debt was valid ( which I 'm not sure that it is ) that I get a letter from them, on their letterhead, signed by an authorized representative that the collection is paid in full with a {$0.00} balance and that any obligation to them is fully released, and that they will report this information to the appropriate credit bureaus within 30 days. If they are going to hold my credit hostage I should have some reassurance other than their word they will report accurately to the credit bureaus. They have already proven that they are willing to report collection information on my credit report without proof of notification that the debt exists. It would be unreasonable for them to not provide me with any evidence to protect my credit and my good name if I were to 1. ) acknowledge the debt exists, 2. ) not provide me with any sort of documentation to prove to the credit bureaus that the collection is paid if they fail for any reason to report the truth. In the near future I would like to buy a house, and as a former mortgage originator I know that in order to get a home a lender is going to require that I pay the alleged debt regardless if it is valid or not. The debt collection practices are both deceptive and unfair in my opinion.