23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This complaint is in regards to my First Bankcard Account through Omaha Bank. I make automatic monthly payments through my bank electronically. XXXX XXXX I was notified that my account was closed by the grantor for late payments and being over my balance. I made payments every month, however due to the company 's billing cycle dates they recieved one paymetn 2 days early making it look like I made2 payments in one month and none the next. I was assessed late payment charges and interest which brought my balance over my limit. I called the bank and called to their attention the fact that I made payments every month with one month being 2 days early and requested them to have the account reinstated since I HAD NO LATE PAYMENTS. I got no satisfaction. This has damaged my credit rating because it is reporting a late payment and that the grantor closed the account making it drop XXXX points. I requested that my account be reinstated and the reporting to the credit agency to be corrected which the bank is refusing to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Has been sending me collection notices in the amount of {$670.00} Balance updated XX/XX/2022 the collection has been reported as past due balance. 
I do not know this company. 
I have never done any business with this company. This company does not have a contract with my signature. 
XXXX XXXX XXXX XXXX keeps harassing me, calling me daily, there are no late payments, nor reported amounts have reported to the credit report.
Product: Checking or savings account

I was a customer of First Citizens bank a long time years. I am XXXX and receive a social security I am older and I get confused a lot but, my daughter helps me with my finances. We noticed since my settlement that something fishy has been happening with my funds in my checking account. One incident happened about a year ago, In XXXX I noticed my banking account money disappearing I reported it to fraudulent activity and received {$4000.00} back.Now, they recently took my whole social security check because of over withdraw and left me no way to pay my bills this happened in XXXX of XXXX. In XXXX I got a new debit card from them and gave them my new address because I moved to XXXX TN. They used the excuse they sent my bank statements to my old address which would have been forwarded to my new address through the post office so trying to make a long story short I know it was illegal for them not to send me any bank statement or notify me I was almost {$1700.00} in the negative I was traumatized I am a Retired Nurse of XXXX yrs. I have worked all my life and have never dealt with hardship like this.
Product: Checking or savings account

I have a debit card with Direct Express that my social security funds are electronically deposited. Direct Express is recommended by the Dept of Treasury. Since XXXX of XXXX, a company called XXXX has been fraudulently withdrawing {$52.00} monthly for an arcade gaming site that I never purchased or authorized. I just became aware of this in XXXX of this year. When I check my account, I do it by phone, and it only gives the amount and date of withdrawal. Because the amount was in line with amounts of my other transactions it went unnoticed. I have contacted the card administrator, Comerica Bank, several times and never heard back. I contacted XXXX, and they just keep telling me they can't help me because I made this purchase, which is not true. I have filed a fraud report with the MN Attorney Generals Office, and they are working on it. I have also filed a fraudulent activity report with Direct Express a week or so ago but I'm not hopeful that they will be of any help based on their customer service so far. Direct Express has had several class action suits filed regarding accounts being hacked, and then I see that the Dept of Treasury just renewed their contract with them in XXXX of this year! My total loss in this mess is {$1700.00}, and a loss I can not afford. Anything you can do would be greatly appreciated
Product: Credit card or prepaid card

On XX/XX/2919 I sent a check ( XXXX XXXX  ) for {$5000.00} in full payment of my bill to XXXX XXXX MasterCard ( Barclays Bank ). I was credited with a payment of {$50.00}, Interest on the unpaid balance was waived when I complained. However, they refused to provide a copy of my check, saying it had been destroyed and no copy was retained. On XX/XX/XXXX, I sent another check ( this time for {$14000.00} ) to them and this time was credited with a payment of {$1400.00}. Again, interest was waived and their account manager told me neither the actual check or a copy existed. That I refuse to believe! My bank told me that they receive only notification of an electronic cash transmittal and no paper confirmation. No human being takes part in the process! Checks are read by computers and payments are processed entirely by computers. I have written over 10,000 checks during the past seventy years and these are the only two instances in which the amounts were misread.
Product: Mortgage

I apologize about the house. The house has already been sold to another home owner it was remodeled and re-sold. Planet mortgage has already broke even and paid the balance to XXXX. Im a XXXX veteran I can barley hear I need to purchase another home a final home in California. Planet mortgage is rendering me from that process of using my VA loan. Im no longer married to XXXX XXXX. I know she had a lawsuit on the city of XXXX XXXX for XXXX  XXXX/ or XXXX  I cant remember the lawyer name was XXXX  XXXX in XXXX  XXXX. Pain suffering from the death of her sister.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021. I was scammed on XXXX. I saw a post with an investment opportunity and went for a it. A close friend of mine had posted it, so I was sure that it was okay to trust. I contacted the company and was immediately instructed on how to get started. They asked me if I could put a {$1000.00} deposit down to hold my spot, so I transferred funds from my savings to my checking account and sent it. I then received a call back stating that they were going to red flag my account because I lied about sending them the money! They physically called me to say this. I XXXX the money and theyd help me invest it into bitcoin is what the ad also said. They seemed nice and promising, I thought nothing of it. They asked me to resend it, so I transferred another {$1000.00} to them but this time to a different contact as instructed. These transactions were completed via XXXX. I then reached out to my friend to let them know what I have done, only to be told by another friend that it was a scam. I immediately contacted my bank to report it and was told that because the transactions were pending, there was nothing that they could do and that I should wait the following day. On XXXX XXXX, I went to PNC back to file a dispute and on XXXX XXXX I was informed that my claim was denied because my bank does not protect consumers against 3rd parties like XXXX ( which I had used ). I asked the bank to escalate my dispute and received a call XXXX XXXX only to be told again that my claim is denied and that they ( PNC XXXX does not protect consumers against 3rd party transactions and to only send money to people you know. I explained that I am am very intelligent, do not insult my character, I WAS SCAMMED! They said sorry and hung up. Ive been blocked from using the mobile app, online banking, XXXX and more. I was scammed and they treated me like the criminal.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently failed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately noticonsumer of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the servicer changed on my XXXX mortgage loan from XXXX XXXX XXXX to XXXX   XXXX XXXX ( XXXX ). In XX/XX/XXXX my credit score dropped 44 points. On XX/XX/XXXX I found out it was because XXXX was reporting my mortgage loan as a NEW MODIFIED loan instead of that they are the new servicers of my existing loan from XX/XX/XXXX. The information XXXX is reporting is completely false. When I contacted XXXX via telephone, they told me that they are reporting it correctly and will not change it. 

When I reported it to Experian, Experian stated that XXXX said they are reporting correctly and Experian will not change it. 

I did not obtain a NEW loan from XXXX nor did I MODIFY my loan with XXXX. I was forced to have XXXX service my loans when they obtained these rights by becoming the new servicer for my loan. Reporting that I obtained a NEW MODIFED loan from XXXX to the credit bureaus is completely false and against the law. 

My credit score is being detrimentally impacted since XXXX is reporting this as a NEW loan instead of just a new servicer to my existing loan and they refuse to correct this information. 

The credit reporting agencies refuse to assist me since XXXX is reporting to them that their information is correct. 

HELP!
Product: Debt collection

I received a letter from The XXXX XXXXXXXX XXXX XXXX XXXX stating that Cash Express LLC has filed a lawsuit against me in XXXX XXXX Tennessee, Docket # XXXX on a old debt. Im on Social Security and I am XXXX XXXX XXXX.
Product: Credit card or prepaid card

My Amex card. 
On XX/XX/2022 i accepted and Amex offer for purchasing XXXX, i purchased it for {$100.00}, Amex was supposed to give me a 40 % refund but instead said they would not because i went through a third party for payment XXXX XXXX XXXX  ). even though XXXXXXXX XXXX goes to my Amex card and i paid the total amount charged to my card. i called Amex to complain and file a complaint, they would not take the complaint and said they thanked me for my feedback. it took over 30 minutes to convince them to file a complaint, and they wouldnt even give me a complaint number until i raised issue with it. They were trying to tell me it was feedback not a complaint. 

complaint number XXXX, if this is an actual complaint number for all i know the manager/supervisor may have just made it up to get me off the phone.

i claim misleading advertising because Amex should have provided a link that allows you to pay them directly, it does not.
Product: Mortgage

In XXXX  XXXX, I called mortgage servicer New Rez to inquire about removing the PMI from our mortgage. The rep that I spoke to at that point said that we didn't need to do an appraisal or anything and she would submit the request and it would be removed. I knew that was wrong so called back in a few days and was told yes in fact there would need to be an appraisal and that the previous rep no longer works there. Anyway, we finally decided to go through with the process in XX/XX/XXXX, and were informed that since the our mortgage is with XXXX, we can just do a BPO instead of a full appraisal. We sent in the check for $XXXX with the memo line note as instructed for the BPO payment. The check was cashed on XX/XX/XXXX. It was applied incorrectly to a principal payment - we noticed that when we received our monthly statement - even though there was the note (as instructed) that the $150 check was for a BPO payment. I called on XX/XX/XXXX and was assured that the payment had been reversed and it was sent to the correct department for the BPO to be ordered and that someone should be in contact with me to schedule. No one called to schedule, so I called again on XX/XX/XXXX and was told they would "escalate" the issue and make sure someone gets in touch. Called again XXXX and was told the 2 people I spoke to on XX/XX/XXXX and XX/XX/XXXX in fact did nothing, but this time she would "make sure" that it was done correctly and someone would call within 3-5 business days to schedule an appointment for the BPO. Few more days went by, I called again on XX/XX/XXXX and received the same message; they can "submit a request and escalate the issue". On XXXX, the rep advised me to allow until the following Wednesday XX/XX/XXXX to allow for some processing time. I called today XX/XX/XXXX and still no updates. The "customer service" reps are not at all helpful - all of the actual work is done by the "loan servicing" dept who only correspond by email or fax. Multiple times I've asked for a supervisor and been told they are all in a "meeting" and they could call me back (they didn't), From the terrible wrong information at the beginning, to the check being misapplied, to the lack of any sort of helpful updates or information, this has been a total and utter disaster of a process.
Product: Checking or savings account

In approximately 2014, Wells Fargo appears to have fraudulently and criminally opened 5 accounts in my name. I filed a complaint regarding these accounts with Wells Fargo and also CFPB when the Agency was first established. 

I spent an enormous amount of time attempting to fix Wells Fargo mistake and stop the identity theft and protect my Family. 

I am now spending even more time on this issue and it appears Wells Fargo is attempting to force me into Mediation. WF refuses to link my actual address to my complaint. They continue to use an address where I have NEVER lived! I have called numerous times and have written to them to fix these additional Wells Fargo 's mistakes. They refuse. 

At one point they said I accepted Mediation. I have not accepted Mediation and asked them to send me a copy of the acceptance form, which they refuse to do. Depending on the Wells Fargo 's Financial recompense offer to me, I may accept. However I am getting fatigued with them hassling me and it is affecting my health. 

I have many recordings from the conversations above. I am shocked at Wells Fargo 's incompetence when dealing with my Case Number XXXX. 

Thank you CFPB for helping all the folks deal with these banks, etc. 

V/R, XXXX XXXX
Product: Debt collection

I had repeatedly contact Home Depot in reference to inaccuracies found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. Home Depot then placed the account Into collection and sold the debt to an outside company without my knowledge. the Collection company XXXX XXXX I, XXXX never attempted to contact me or attempted any type of communication in order too come to an agreement in settling the debt. Now XXXX is suing me and placed me in court proceedings, How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that XXXX  has violated several federal credit laws in order to keep on not just harassing me but in an attempt to collect illegally funds that do not belong to them. On or about XX/XX/2022, I made contact with XXXX and they refused to provide any information in reference to the inaccuracies on the account. they persisted on verifying the account when in fact they automatically knew my biographical data. as you can see they alleged to have purchased the account yet they have failed to provide the following : 1. Copy of the original contract with my signature of the debt, 2. Full payment history from the original debtor in this case Home Depot 3. Name and address of the Original debtor 4. Proof that they own or have been assigned the debt to collect. Also I think the account is more than 4 years old? My credit report does not show any type of debt of the account in question? this is why I'm asking for your assistance to resolve this matter.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Equifax Credit Information Service reported again for the third time information to my creditor XXXX XXXX that my credit score with them is XXXX causing them to close my account with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent credit inquiries appearing on my credit report. I request that the following inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. Factual XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the EQUIFAX Credit Bureau requesting to conduct an investigation and correct the information being reported. The Equifax credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXXXXXX XXXX  XXXX XXXX XXXX Owed : {$0.00}
Product: Mortgage

I am a XXXX XXXX  and a veteran.I have had XXXX twice. I was doing just fine paying my monthly payment until the property taxes went up considerably and virtually doubled the payment. Of course I was ill at the time.I contacted Wells Fargo and they suggested that I take advantage of their program to defer payments until I felt well enough to resume as normal. I could have up to one year of deferment. They assured me that this would not affect my credit, would not be reported to the credit agencies, would not be reported to the V.A. and the deferred payments would be tacked on to the end of the loan. they straight out lied to me. This was immediately reported to all three credit bureaus, also the V.A. I paid what I had in savings ( {$4000.00} ) so Wells Fargo would not foreclose and I am now getting notices to pay them {$12000.00} more to bring my account up to date. They have repeatedly asked me for the same documentation over and over and passed this account around to several different representatives within their organization. I'm continuing to make my normal monthly payments of {$1700.00} which they are accepting but they are threatening me with foreclosure through the U.S. Postal service and almost daily phone calls. I never know who I'm going to be talking to and continually have to go through the whole story over and over with each new person. I have repeatedly sent them everything they have asked for. This has been on going for two years.
Product: Credit card or prepaid card

I have applied for many loans and credit cards through Credit Karma. Apparently they have been scamming users to apply knowing theyll be denied. This has effected my XXXX XXXX tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

A record of bankruptcy appears on my credit report. I have never filed for bankruptcy and have a credit score of over 800. However, my father has the same name as me, and filed for and completed bankruptcy in 2018. I contacted Equifax who completed the investigation within the required 30 days. They have determined that the bankruptcy is mine and not my fathers and refused to remove it. They told me to contact the bankruptcy court and write a letter to them providing copies of my father and mine license, social security cards, and the letter of official bankruptcy discharge which shows my fathers last 4 digits of his social. They also told me to call the court to see if they can email them. I will be completing all of that today as well as contacting my attorney as I feel this is unacceptable because all thats needed is to check the bankruptcy against our respective social security numbers.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
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 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

After reviewing my report and contacting these companies they are stating I do not have a file/account with them at all. Unsure to why inquiries are on my report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX File number ExperianXXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look into These fraudulent accounts on my report they have not been verified and I have not received accurate documentation as to why these accounts on my report and it has been months and I have received anything please remove
Product: Credit reporting or other personal consumer reports

I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.