23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was in the process of having XXXX  and needing to get XXXX just came from the ER and my leasing office put a boot on my car on XXXX XXXX  XXXX XXXX XXXX It Right XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX  XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} while I had submitted a dispute to US Bank regarding this issue they denied it on XX/XX/XXXX in the process of the dispute someone did not pay attention when the money of XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX {$340.00} was placed back into my account causing my account to go into the negatives ( - {$230.00} ). In the process of doing this my debit card was locked which means no one can use my card well some transactions were still go thru. I called US bank to find out why transactions were going through. After I spoke with someone at US bank my account stopped getting charged by the same people low behold now my account is XXXX. Just because of overdraft charges. I tried talking to someone XX/XX/XXXX at US bank because IRS is sending CHILD tax credit to this account and now XXXX is going to them. The person I spoke flat out refused to put my account before the overdraft charges.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute to you and i didn't get a response within XXXX days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.
Product: Credit card or prepaid card

I have had my Amazon Store card for over 5 years now and never missed or was late on any payments ( 72 ) to be exact. I recently closed my account but still have been paying on my XXXX balance, my bank offers a better rate and Im trying to do away with some credit cards I have. Just prior to closing my I got a notice that my XXXX payment in the amount of XXXX was paid then returned by my bank, the dates Synchrony Bank who handles Amazon said this all happened on XX/XX/21. After checking with my bank no transactions took place on that date, the XXXX was processed on XX/XX/21 and was never returned unpaid. I sent my bank statements as proof but after 30 days I was told they needed more proof, so I sent more and again got a letter stating they needed more proof. I have contacted my bank and they are gathering as much proof as they can to show it was paid. In the meantime I signed onto my account to make a payment on my XXXX balance only to see it has now grown to XXXX?. Remember this account was closed by me. I immediately called Synchrony and questioned the increase, after 20 minutes the rep said it was a payment adjustment but all she could see was XXXX?? I was then told she would refer it for investigation and would here back in 90 days. These the same people who cant even credit my account the money I paid and truly dont trust them to resolve this new issue They Created. I need a third party to over see what they are doing because in the process there going to affect my credit if it isnt resolved.
Product: Money transfer, virtual currency, or money service

This started XX/XX/2023. I spoke with the customer service representative and manager regarding my missing funds that I did not received from my college and they told me 3-5 business days of XX/XX/2023. I would receive my funds but I have not received anything and they are stealing from me in the amount of {$4400.00}. This is happening to me and its now
Product: Credit card

Macy 's DSNB has deleted a payment history on all credit bureaus, even though there would have been one as far back as XX/XX/XXXX. They state that the first delinquency was XX/XX/XXXX, whereas the drop off date for removal with all pertinent credit reporting agencies would be XX/XX/XXXX. The account was discharged from a Chapter XXXX bankruptcy petition. However, there are ten ( 10 ) years of payment history deleted from the credit bureau, and I make a claim that I was at least 30 days late several times before the inserted XX/XX/XXXX. Accordingly, I believe that I am well within the 7-year rule timeline for the removal of obsolete information and the account should be deleted immediately and permanently. DELETE THIS CREDIT ITEM!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has 2 years of innacurate reporting every 30 days on my credit
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed three unauthorized collection accounts on my credit profile for XXXX XXXX XXXX XXXX I dont have any knowledge of these accounts or these thereafter. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is another I have no knowledge of at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I have no knowledge of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is another I have no knowledge of and is classified as fraudulent at this time.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with Franklin Financial in XXXX XXXXIve used auto deduct for the loan.I will be making the last payment this month. The payoff is lower than the payment but they want to charge me the payment price.Its about XXXX dollars difference .I called the branch and was told they had installed a new system which doesn't accept the payoff amount so their beating me out of XXXX dollars. I'm not the only one they said. It's down right crooked and needs to be addressed. Thanks
Product: Money transfer, virtual currency, or money service

I have been disputing a charge from XXXX with clear proof XXXX has claimed that it successfully processed a refund on XXXX XXXX-my claim was denied and has been researched once before and I have to submit it the same evidence several times for it to be reviewed again and again. I receive provisional credit than the provisional credit was removed then the case was re-opened and it just seems to be a never ending problem when I have submitted clear proof and evidence and shouldve been situated/effortlessly resolved within the first attempt to close the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My income to debt ratio is not correct on my Experian account. My income has changed from last few months but unable to update on my credit file. I have contacted Experian as they are unable to help me or resolve the issue. By having wrong income to debt ratio, my credit score is down and I am unable to get better credit from my lenders. My credit file also shows that I am delinquent on the account and my credit file is new, whereas, I am in this country from last 36 years. In either case, I am not getting correct information from Experian and it is hurting my credit.
Product: Credit reporting

Transunion should not be allowed to charge for reveiling a person 's credit score. There should be one universal equation to caculate a score ; transunion, and each finacial institution should use different caculations for a person 's score that is not just. These score effect our lives, employers check credit scores. So how can we all be on equal footing if everyone is using a different equation? In XX/XX/XXXX They reported a score of XXXX in XX/XX/XXXX they reported XXXX and they only difference on my report is santander wrongfully reporting a miss payment and close account instead of account being paid off. And it is still being reported today.
Product: Mortgage

Our Mortgage is a modified loan through Bank of America. We have already live the nightmare of almost losing our home because Bank of America had our loan being serviced by XXXX. We saved our home thanks to you ( CFPB ) and all the paperwork I was able to supply my complaint against their failure to follow through with modification process and improper handling of our records. 
ONCE AGAIN Bank of America is transferring our loan servicing to XXXX. A company that has a 98 % negative review, not customer friendly, a company from XXXX and is n't even a XXXX. How can Bank of America continue to work with a company that has this kind of reputation? Please I feel that based on my history with Bank of America that they could and should keep servicing my loan or at least that they find a better servicing company that carries a better reputation and isnt a company just waiting to complicate a family 's mortgage records so that they can start charging fees upon fees and then create a crisis as to make a homeowner default and they make their money off the top for every home they foreclose on. 
I want nothing to do with XXXX. We saved our home, we worked very hard, lost sleep, got sick and hospitalized because of all the misplaced paperwork and stress XXXX caused us. Please review the documents I am uploading and I beg that you see how you can assist us with remaining with BOA as our servicer or find us some other reputable servicer that isnt XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding my recent experiences in resolving issues related to identity theft on my credit report. On XXXX separate occasions, I spoke with supervisors named XXXX and XXXX XXXX case numbers XXXX and XXXX, respectively ) regarding my urgent request to block fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). Unfortunately, both supervisors refused to assist me, despite my clear explanation of the situation and the legal framework that mandates their cooperation. I reported XXXX fraudulent accounts on my TransUnion credit report that I do not recognize. These accounts, which are a result of identity theft, include 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  These accounts have led to multiple fraudulent charge-offs, late payments, and collections on my report, severely impacting my creditworthiness. I have requested the immediate removal of these fraudulent items and the cessation of any related collection activities, as is my right under FCRA and FDCPA laws. I am deeply concerned about the lack of support from TransUnion and the failure to act within the required four business days. This situation has caused me significant distress and financial harm. I urge the XXXX to assist me in resolving this matter promptly. I expect TransUnion to fulfill its obligations under federal law and to rectify my credit report by removing the fraudulent accounts immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Debt collection

There are two judgments against me. Both debts are old.

1 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$11000.00} Current Balance : {$15000.00} I was out of the country from XXXX until XX/XX/XXXX. By the time I got the letter for the offer of final payment for {$4800.00}, it was too late. I called the law firm that sent me the letter that this bill is more than 8 years old. They said I was obligated to make payments. 

2 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$30000.00} For Judgement # 2, Citibank cleared out my checking account back in XX/XX/XXXX. I wasn't aware of the judgment against my bank account until I got a phone call from the law firm XXXX XXXX XXXX. They wiped out the money I saved for my rent and car payment. At that time I had just moved to XXXX, Ca to move my mom in with me and have been supporting her because she's not working due to her poor health. 

In XXXX my mom went into retirement due too her health, I lost my job in XXXX due to the recession and since then it was challenging to find work. At the time we all lived in XXXX XXXX. In XXXX we were out of the country and in XXXX we moved because we couldn't maintain the rent, with only me working and mom only getting XXXX income. I moved to XXXX. Then in XXXX I moved to XXXX. I just learned about these judgments as of XX/XX/XXXX becuause my checking account was emptied out by Citibank. 

I am still the head of the household and am still supporting my mom. I can not afford to pay these judgments. Is it past the statute of limitations for them to try to collect debt?
Product: Credit card

I had XXXX Capital One credit cards for several years. I have never been late for payment and Ive never not made payment for the month. There have been several instances where payment was returned because my bank institution had a pending incoming debit and the dates just did not align, but I always immediately made payments so there has never been a month. Our payment was never made. There have been many months where payments were made several times throughout the month way over the minimum payment requirement During the XXXXXXXX XXXX XXXX XXXX XXXX XXXX, my home was affected and so was my family. There was no opportunity for me during these times to go to the bank and make the timely deposits so as a result, scheduled in advance payments were returned. During this time of natural disaster, I was not thinking about my credit cards and did not cancel The scheduled payments. 
Capital one closed both of my credit card accounts and this has adversely impacted my XXXX XXXX. During a natural disaster where I need the use of my credit cards more than ever, I am now not able to do that credit card company you should not be able to close accounts during the natural disaster and at the very least should check if their consumer is affected by a serious XXXX disaster. I would like to take further legal action as this has detrimentally impacted me and my family during these tragic and very difficult time. 
I attached as evidence card activity from my Phone app. You will see that on XX/XX/XXXX during the natural disaster the payments were returned because I did not have an opportunity to run down to the bank. Also, please note that all businesses in the area were closed, including XXXX and other big chain stores. You will also see that I made a {$200.00} payment to make up for the return payments again, the return payments were due to a natural disaster in my inability to get to a bank. Normally, I wouldve made a deposit on XX/XX/XXXX, but that is when the natural disaster in the fire started and we were put on an evacuation warning, followed by a police XXXX, telling us to pack our stuff and find shelter. a credit card company should never be allowed to treat a consumer like this during a natural disaster. It is inhumane and just not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days that I haven't received any results regarding the investigation.
Product: Mortgage

My boyfriend was laid off due to COVID in XXXX of XXXX. He had been helping me pay my bills including my mortgage. Thus, I was unable to keep up the mortgage payments. I am on SSDI and thats the only money I receive. My mortgage was $ XXXX and I only get $ XXXX. I had had a private disability insurance that ended in XXXX of XXXX. That would normally help to pay my mortgage. But, without my boyfriends help, things went downhill fast! And I had to pay for his bills as well, because he didnt get his unemployment money until XXXX of XXXX and he promptly left me and gave me no money! 
I qualified for a forbearance program, which I had for 18 months. 
I also applied for the loan modification program, starting in XXXX or XXXX of this year. That was such a stressful time! I sent all the required paperwork in. They told me many times that they didnt have it all! Then I would speak with several people who told me they had all the paperwork ( which I knew I had sent! ). 
They had me in tears many times! I FINALLY spoke with someone named XXXX on XX/XX/XXXX and she said my application was complete- it just took a couple of months! ( Which to me was ridiculous and depressing! ). 
In a letter dated XXXX XX/XX/XXXX, I was approved for the trial plan of the modification. I was able to pay the XX/XX/XXXX payment with my sisters help. 
In the meantime, as a retired, XXXX XXXX, I applied for a grant with XXXX XXXX  and I was approved! I received a check made out to Flagstar for 6 months of mortgage payments! I was so excited that I would be able to pay them that money! 
Then, when I spoke with XXXX, employee number XXXX on XX/XX/XXXX, he informed me I couldnt use the check for my trial period! If my sister can help with my trial period, why cant XXXX XXXX? He said he would check with underwriting and call me on Monday, which of course, did not happen! 
I called them and spoke with XXXX who informed me they absolutely would not take the money from XXXX XXXX for XXXX and XX/XX/XXXX! I just dont understand why they wouldnt accept the money ( when do banks EVER do that?! 
I read your article from XXXX of XXXX about some of these very subjects! So theyre either at it again or never stopped even after the reparations they had to make! 
Thank you so very much for your consideration in this matter!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours ( XXXX XXXX. 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. 

these are the accounts i marked as inaccurate bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was a resident at XXXX XXXX and moved out and was then sent a bill over {$1000.00}. I had no idea why. I contacted XXXX XXXX and was told that the apartment complex was under new management and owners and they had no knowledge of my debt. I asked for the former owners information and they were unable to provide me with that. The amount then went to collections and I corresponded with the agency to find out who owns this debt so I can figure out whats going on. They would n't release any information but stressed the fact that they did not own, they were only collecting the debt. After a few back and forth, I ignored them because it was going nowhere. Fast forward to XX/XX/XXXX, I started repairing my credit and this debt comes up again. I signed up with XXXX XXXX and they acted on my behalf to clear deliquent things off my report. The collection agency once again sent a notice stating the debt was valid but the information I got which was apparently submitted from XXXX XXXX XX/XX/XXXX, was false. The employee forged information and submitted fees for stuff that I never knew existed. She claims I moved because I got a pet which was false. She also changed dollar amounts on paperwork to reflect a ridiculous amount of charges. I contacted the agency and they told me to contact the company who submitted the debt ( XXXX XXXX ). I contacted them once again even though I knew what the response would be. Email response below : XXXX XXXX XXXX ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Hi XXXX I am sorry you are having such a hard time resolving this matter. The company that currently owns and manages XXXX purchased the property XX/XX/XXXX. We do not own your debt and would not have access to your records. I do not know who owned the property when you lived here. 
Sorry I can not be of more help. 
XXXX XXXX XXXX, XXXX, XXXX Property Manager XXXX Apartments XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX visit us at XXXX I am stuck and going back and forth with XXXX XXXX and the collection agency. I hope that I can get more information as far as who owns the debt and who I can dispute this amount with. The false claims really are what have me in a bind.