23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I filed a XXXX  XXXX bankruptcy to protect my home from foreclosure. On XX/XX/year>, I sent Macys/American Express , a payment while in bankruptcy. The payment was accepted. I never made a late payment on this account. On XX/XX/year>, I called Macys to tell them that I was going to continue to make payments on my account. I was transferred to XXXX XXXX and was told that they were an in house collector for Macys/American Express . I told them that I do not pay debt collectors because debt collectors do not provide credit to me. They assured me that they worked for Macys/American Express . I sent a payment directly to Macys/American Express on XXXX through my bill pay. I now received a letter from XXXX XXXX XXXX, that is not a part of Macys/American Express . 
I need to understand why Macys/American Express sold my account to a debt collector when I was never late. I also need to understand why XXXX XXXX XXXX lied to me and said they worked with Macys/American Express when they are a debt collector. This will damage my credit. I am attaching my payment history.
Product: Debt collection

In XX/XX/XXXX, I went to XXXX XXXX XXXX apartment hunting prior to my lease end in XX/XX/XXXX. XXXX showed me an apartment in the office building. There were 3 students living there who were to move at the end of their lease. I paid a fee est {$150.00} for credit check which he stated was required. I signed the lease for that apartment. I made arrangements with XXXX XXXX to extend my lease until XX/XX/XXXX. XXXX stated XX/XX/XXXX as my move in date. However, he called prior stating he students decided to remain in the apartment. I returned to the office. XXXX showed me floor plans for a building under rehabilitation to covert into apartments. I chose the one I wanted. He stated a new lease would be signed when I returned to pay deposit and first month rent. I was told by him before XXXX that the rehab was not complete. Every time I drove by the building I saw work was continuing. The parking lot was not complete either. For nearly a year, I was XXXX. I stayed in hotels, with my sister, nephew, friend or traveled to Tennessee to stay with my son. I constantly called about the apartment and told it was still under rehabilitation. I never paid anything other than the credit check fee, saw the apartment, received a key, signed a lease for it or informed it was ready to move in. I was making all the contacts. I learned of the collection in XXXX when I applied to refinance my mortgage at XXXX XXXX. XXXX told me after I told what happened with the mortgage that he was contacted. He was with when XXXX showed me apartment in his office building. 
Regarding XXXX. XXXX ( XXXX XXXX, acct. # : XXXX ) for {$1200.00}, I do not owe that amount if I owe anything. I maintained my same cell phone number and have/had accounts with XXXX XXXX XXXX XXXX
Product: Mortgage

NATIONSTAR MORTGAGE LLC reported our account late as of XX/XX/XXXX & XXXX XXXX  but it was because of there own negligence of servicing our account they put our funds into a hold account because a payment of {$1500.00} was made twice in the month of XXXX XXXX now I spoke with a account XXXX by the name of XXXX XXXX XXXX XXXX back in XX/XX/2023 from XXXX to about XXXX she found the lost funds applied for the funds to be returned to the right account and they had knowledge of this but still decided to report us late on a payment as XX/XX/2023 so how is that far for them to report false allegations to the credit bureaus. IF a credit bureau, creditor, or someone else violates the Fair Credit Reporting Act, you can sue. Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.
Product: Mortgage

On XX/XX/XXXX I first called New Rez ( XXXX XXXX XXXX XXXX and requested that my PMI be removed. At that time, the phone representative told me to go to the above website and make that request in writing as that was their process. I did so and the website ( as listed above ) said I'd receive a response within XXXX business days. I was also told at that time by the phone agent that my first request would be rejected because they base the first appeal off the original loan value. Once that appeal is rejected, they stated I could appeal and apply for a BPO to have an appraisal agent come to my house and give me an up to date evaluation of my homes value. 

Considering she told me they were going to make the first appeal based off when I purchased the home ( in XXXX for reference ), I agreed with her and already knew they would reject said appeal, but in that time my house has gained over 50 % of its original purchase value. Even based off the original loan, we are currently only about 3 % off the required 80 % XXXX value to remove the PMI. Taking this into account ; I asked if we could simply schedule the appraisal now and get the process rolling. They refused to do so until the initial rejection of my request had come back. 

I tried calling back at 5 business days and it was not ready. Again I called at 7 business days and the response was not ready. When I called at 7 business days, I was told it was " escalated '' and sent to their PMI team and that it may take up to 10 business days for a response. At 10 business days I called once again and they told me that the initial request, while escalated, could still take up to 20 business days.

Every time I call these people they push the initial response to their request further and further down the curb. They told me that request will be rejected and refuse let me appeal with an appraisal until they reject the initial response which they keep moving the goal post for when they will reply to it. 

My house was purchased in XXXX for {$300000.00} and appraised for as much then. At this time, we currently owe {$250000.00}, but a XXXX search on XXXX XXXX puts the estimated value at XXXX XXXX Since PMI removal is based off the current home appraisal value and not the original loan, there is no universe where we aren't under the required 80 % value. New Rez knows this ; however, they are dragging their feet in response time and refusing to answer any questions in hopes I'll get frustrated and forget about trying to get my PMI removed. 

I don't intend to do so.
Product: Checking or savings account

Im trying to add my bank card and I cant add my bank card on here
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquires on my Equifax credit report. I recently retrieved my credit report and it showed XXXX credit inquires that I have no knowledge of ever authorizing. I have sent out letters & also called the credit bureau several times. Here are the inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

0nXX/XX/XXXX I found a derogatory collection account filed on my credit report.
caine & weiner filed it against me for retailer XXXX XXXX.
however I never owed XXXX XXXX any debt or did not complete a transaction with XXXX XXXX during the time period in questionXX/XX/XXXX.
i called XXXX XXXX and started a fraud investigation against caine & weiner and XXXX XXXX told me that tgey do not use 3 party collection agencies this company has over 100 fraud complaints with the BBB for putting fraudulent derogatory collections on credit reports.
caine & weiner collections XXXX XXXX XXXX XXXX XXXX ca XXXX  XXXX XXXX or XXXX XXXX XXXX suggested I file fraud reports with law enforcement and i have done so.
XXXX XXXX XXXX automated system option 3 option 1 XXXX fraud case number i have file a police report lvmpd fraud report atty general fraud.org naag.org ftc.gov ic3.gov.
this scammer crime goes after the eldery i
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them requests, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX - XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts XXXX  XXXX  XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I logged into my Wells Fargo online account and realized that the balance on my daughters account XXXX XXXXXXXX ( which also is my subaccount ) was very low, just {$680.00} ( I knew it should be about {$5500.00} ). 
I looked the recent activities and found a suspicious transaction on XX/XX/2022 of {$4800.00}. The transaction description was : XXXX XXXX XXXX XXXX XXXX on-line XXXX on XXXX. 
Also when I checked my XXXX  mail box I found unopened emails from Wells Fargo confirming that the following changes have occurred in my bank account on XXXX XXXX XXXX XXXX ( neither me nor my daughter never made that changes ) : XXXX. XX/XX/2022 the XXXX XXXX XXXX had been added XXXX. XX/XX/2022 the email address XXXX had been added ( the original email address linked to my bank account was XXXX. 

Looking ahead, I can tell the email linked to my bank account was changed by hacker because it was possible to login to the email XXXX through browser XXXX XXXX ( the password was saved in XXXX XXXX ). 

XXXX. XX/XX/2022 XXXX XXXX payee had been added Payee Name ( Nickname ) XXXX XXXX XXXX Payee Account Number XXXX Payee Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XX/XX/XXXX XXXXWells Fargo payee had been added Payee Name ( Nickname ) WELLS FARGO CREDIT CA Payee Account Number XXXX Payee Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX I immediately called to my daughter to confirm that it was not her made all that changes and transaction of {$4800.00}. She confirmed that she never did that. Also neither me neither my daughter never had an account in XXXX XXXX. 
I immediately called to Well Fargo trying to cancel that fraud transaction, but it was already too late to cancel it. 

Wells Fargo started case # XXXX, they made investigation and they had closed it, claiming that the transaction was made by me or by my daughter. 
The proofs were that the transaction was made from the same IP that was normally used. 

I use XXXX computers which are in my home, so Wells Fargo trying to say that the t/a was made from XXXX of these computer. 
What I think is that there was probably a way for fraudsters to use my computer remotely. Fraudsters probably infected my computer with a virus and then remotely did all that actions, so it looked like it was made from my computer, thats why Wells Fargo see the same IP address that was normaly used.

Another thing is that I saved my Wells Fargo bank account password in XXXX XXXX browser, I thought it was safe to do that. 
See what XXXX XXXX says about that : " Is it safe to save password in XXXX account? Answer : XXXX never learns your usernames or passwords during this process. When you use XXXX to sign in to a website, XXXX encrypts your username and password with a secret key known only to your device. Then it sends an obscured copy of your data to XXXX. '' So I thought it was safe to keep passwords from my Well Fargo account and XXXX account in XXXX XXXX  XXXX. But looks like it was totally unsafe. 

Thank you for trying to help!
Product: Credit card or prepaid card

My complaints about Citibank , N.A . : 1 ) On my XXXX XXXX account statements appeared the wording, About Interest Charges. ; How to Avoid Paying Interest on Purchases. ;. We will not charge you interest on purchases if you pay your monthly Citi Flex Plan Payment Amount plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month. Based on this PROMISE, I applied for a Citi Flex Plan loan of {$10000.00}. The statements showed NO explanation of how payments would be applied. AFTER being granted a Citi Flex Plan loan additional new wording appeared on the XX/XX/XXXX statement, We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on. This wording conflicts with the subsection How to Avoid Paying Interest on Purchases., as once the Flex Plan is paid in full, lower interest purchases can be left on the account, subject to interest charges. Whether or not intentional, this DECEPTION by Citi caused my Citi Flex Plan loan period to be reduced from the originally agreed term of 36-months to less than 12-months. This DECEPTION could also result in my owing interest on purchases in spite of Citis PROMISE, We will not charge you interest on purchases if you pay your monthly Citi Flex Plan Payment Amount plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month.

2 ) Due to Citis FALSE statement above, and Citis FAILURE to explain how payments would be applied PRIOR to my being granted the Citi Flex Plan Loan, my purpose for contracting the loan with Citi was effectively negated. Had Citi informed me how payments would be applied PRIOR to the granting of the Citi Flex Plan loan I would NOT have contracted the loan, nor would I have incurred the interest generated by the loan. Citis FALSE statement and FAILURE to explain how payments would be applied, caused me to incur much higher monthly payments than planned for, resulting in a loss of income on my investment account ( s ). 

3 ) On XX/XX/XXXX I called Citi about amending how payments were applied to my account. Their representative ( s ) told me Citi could not alter the way payments were being applied. Between XX/XX/XXXX - XX/XX/XXXX I called Citi at least 7 times ( over 3 hours 8 minutes call time total ) to express disagreement with how payments were applied. Also I asked that the Promotional Rate of 1.99 % on new purchases, which Citi advised me of on XX/XX/XXXX, be canceled so my Citi Flex Plan loan would not be rendered useless to me. Citi representatives said they could not cancel the special Promotional Rate but would not tell me why. On or about XX/XX/XXXX a Citi supervisor in AZ told me she would investigate the possibility of cancelling the Promotional Rate and someone would contact me, but there was never a callback or other contact. On XX/XX/XXXX in a 29 min 3 sec phone with XXXX XXXX Ext XXXX, I was advised the Promotional Rate had to be cancelled within 51 days. The cancelation period information was not disclosed to me previously.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their handling of my credit report and score. For over 45 days, I have attempted to obtain my credit report and score from Experian, but my efforts have been unsuccessful. This issue has caused significant stress and frustration, as Experian 's control over my financial information has severely impacted my financial well-being.

Despite numerous attempts, I have been unable to pull my credit score. Additionally, there is a statement on my credit report that I have repeatedly requested Experian to remove, but they have failed to take any action. This incorrect information is affecting my creditworthiness, and I am deeply concerned about the lack of response from Experian.

I have spent countless hours on the phone trying to resolve this issue, but it has been nearly impossible to get in contact with a human representative. On the rare occasions when I have managed to speak with someone, they have been unhelpful, often speaking in circles and making promises to correct the problem that they never follow through on. The lack of accountability and transparency from Experian is alarming, and no company should have this much control over a consumer 's financial life.

I am requesting that the CFPB intervene and assist in resolving this matter. It is critical that Experian provides me with [ RESTORE ] access to my credit report and score, [ REMOVE ] the incorrect statement, and ensures that I can communicate with a representative who can effectively address my concerns.

Thank you for your attention to this matter.
Product: Mortgage

After putting a complaint with cfpd I received a call 3 days later. They said they will review it. Week late someone from the pmi dpt called me and left a message and gave me a phone number to call them back. I couldnt get a hold of them after multiple tries. Finally I called their customer service dpt and they told me that their decision stands without explanation. I wasnt even given an option on how far I was to have my pmi removed, an option that would allow me to put money toward my balance so I can have it removed. Again all they care about is to make me pay my pmi as long as they can. Bad business. I will not recommend loan care services to anymore base on the way theyve handled my situation. Theyve cared less
Product: Credit card

I was 30 days late on a XXXX phone warranty due to a computer glitch on my computer. 
This has dropped my credit score from excellent to fair I feel this is not right I always make double and or triple payments on everything I purchase.This was with Best Buy and i have talked with them but they said the can drop the late payment fee but can not change the reporting to my credit report.This was not my fault I am never late on an any bill but my computer stopped payment without my knowing.I work hard to keep excellent credit and feel I deserve a chance to have this corrected.Can you please help me out.Thank you XXXX XXXX
Product: Credit card or prepaid card

I ordered furniture in XX/XX/XXXX. Was told that I would receive it before XX/XX/XXXX. Then I was I formed that I would receive it in XXXX. It kept getting delayed until mid-XX/XX/2021. I received my furniture damaged on XX/XX/XXXX. I I formed the store manager on XX/XX/XXXX. No one reached out to me to discuss until XX/XX/XXXX. I informed them on XX/XX/XXXX that I wanted a refund. I was told that they must pick up furniture first. I kept calling and emailing regarding the pick up but nothing. I called customer service and was told that the store manager put in a request on XX/XX/XXXX. Its been almost 4 weeks since I informed them that I want a refund for the damaged furniture and the store is holding my money hostage. This company did not hold up their end of the contract. They have had my money for 7 months and gave me damaged goods.
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. This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a reported a fraudulant account on my credit report several times to Experian. I was told I needed a police report in order to prove identity theft and request any removals, which I have done. I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Experian stated it was verified, but with no proof of verification and stated they are not required to provide proof. I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt have  one  on file, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with these items being reported and they are fraudulant accounts, I am expecting it will be removed immediatley. Fraudulant Items being reported incorrectly by Experian :  XXXX  Acct #  XXXX    XXXX   XXXX   : Act. #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these couple cards a few times and for the life of me I do not understand while they 're still showing up on my credit report was a victim of identity theft it 's been reported to the police department it 's been reported to all of the bank and except for these XXXX accounts I have good credit even though I 've asked you before you never tell me what exactly it is you need from me to get these accounts removed it 's called identity theft for a reason of course a lot of the information is going to match mine if it did n't it would n't be called identity theft to me this seems very simple but for some reason experience is having a difficult time with these XXXX accounts and getting them removed from my credit report what is it that you need for me to prove that I did not open these XXXX account did not use these XXXX accounts had nothing to do with these XXXX account? If you could answer that question maybe we could actually resolve this because you keep sending the dispute to the bank and they say oh yeah it 's the same name and date of birth and so on of course it is this is why it 's called identity theft of course the information is going to be very similar this is how it ended up on my credit report this is how they were able to open the accounts to begin with. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and # XXXX These XXXX accounts do not belong to me how do I prove this to you? Please answer my question. 

There are also XXXX inquiries to look at my credit report they do not belong to me XXXX XXXX cards just happened a few days ago again not me there 's another one for XXXX XXXX XXXX XXXX clearly I 'm still having issues do you have a fraud alert on my account?