23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi this is a transparency corroption issue with XXXX that has created multiople DBA 's and then transfers loans from one to the other and then closes that DBA all together. 
XXXX operates under : XXXX XXXX XXXX XXXX  - no longer exists - they sent notice on XX/XX/XXXX they are notifying us of transferring my loan and then on XX/XX/XXXX out of nowhere they claim they paid my taxes but never did, I searched on XXXX XXXX site, no such payments were ever paid. Dates are important here since they are transfering accounts notifying on XX/XX/2023 THEN they just take it upon themselfs to pay taxes ( by the way tax-bills are not due till XX/XX/2023 and no tax bill has been mailed. 

Now they have hold my payments in their possession and NOT applying to my loan and then threatening daily me of FORCLOSURE I made multiple phone appointment apparently with XXXX the supervisor last Friday at XXXX XXXX  she no showed and no called!!! I am so devastated by how reckless they are acting. 

Please I NEED HELP!! 


nt and not applying to my payments and then threatening me with foreclosure!!! 

Please contact me. Thank you in advance for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian by mail to let them know that the XXXX account is reporting incorrectly on the credit report they will not update my account correctly everything on the account is incorrect thats why Im sending you the information so you can investigate on my behalf
Product: Money transfer, virtual currency, or money service

I attempted to purchase tickets to a concert using Zelle services from within the XXXX  XXXX XXXX XXXX application. I immediately realized I had been scammed and attempted to contact Zelle as well as XXXX  XXXX XXXX. Zelle could not be reached ; a recording said you should call your bank. XXXX  XXXX XXXX said that they would dispute the charge. A week later I received a letter that XXXX XXXX  XXXX XXXX XXXX has been rejected. XXXX  XXXX XXXX now says to call Zelle. There is nobody to call or contact at Zelle that I am aware of ; I have already tried. XXXX  XXXX XXXX says the issue is closed. 

I have lost {$500.00} and I have no recourse from any of the financial services involved. I don't know what to do ; it appears the thieves are successful. 

Thanks & regards, XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/scrub> XXXX XXXX, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My sister and I recently purchased a house and we were pre-approved by XXXX XXXX with Bank of America for up to {$380000.00}. Working with XXXX was challenging as he repeatedly asked for information that we had already submitted to him. His poor time management and unorganized behavior were inconvenient and irritating, but that is not our complaint. Our real complaint is that he attempted to mislead us and have us sign new paperwork for our loan on the Friday before our Monday closing date. Our closing date was set for XXXX XXXX, 2016, but on Friday XXXX XXXX XXXX called my sister and told her he needed her to e-sign some additional paperwork immediately. She asked why and he indicated it was something he had forgotten to have her sign. He even offer to meet her at our residence to have her sign all the new forms. What he did not explain was that he had removed my name from the loan and was going to issue the loan solely in my sisters name. We obviously both wanted to be on the loan as we were purchasing the house together. He later called me to tell me that I did not have enough traditional forms of credit for him to approve me on the loan, but after he pursued my sister and attempted to get her to sign on a new loan. It was not his fault that the underwriter did not want to approve me, however he waited until 1 business day before our closing date to inform us of this and he tried to convince my sister to sign paperwork for the loan without explaining what the paperwork was. He also had pre-approved us for up to {$38000.00} based on our credit scores, income, and debt to income ratio, but the housed we were purchasing was only {$170000.00}. We would have selected a different mortgage company immediately had we known there would be any issues having both of us approved on the loan. We were forced to drop him and Bank of America and were financed through a different company with no issue. However, it caused our closing date to be pushed back almost an entire month and we had already paid for an appraisal with Bank of America that was not refundable. It was a waste of our time and money and we were misled by a loan officer that was more concerned about getting his compensation for the loan than he was providing us honest information.
Product: Credit card

On mother 's day someone charged XXXX {$40.00} gift cards to my Target credit card account. My card has a {$200.00} limit and it was paid off. I called target right away and they said my account would be disabled including my online account. It is now XXXX XXXX. I am calling them again for the XXXX time and they keep asking me what the issue is. THey said they would send some paperwork so I could sign it that allows them to investigate these charges. They took a payment for my credit card out of my checking account on XXXX to pay for some of the balance even though I had a XXXX balance and the {$200.00} is still on my card. Every time I call I get the run-around. No one seems to want to help me. Since this hack XXXX my debit card with my bank have been hacked as well. I no longer know what to do. I ca n't log into my online account to stop the payments on the card because it is disabled. But they must not have disabled the billing. Please help. To further complicate things my name changed from XXXX XXXX to XXXX XXXX because I got married in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report, despite my numerous attempts to rectify this situation. The lack of resolution has significantly impacted my financial well-being and caused undue stress. 

l were initially reported to your agency and since then, I have diligently followed your prescribed procedures for disputing fraudulent activity, providing all necessary documentation such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my multiple attempts to address and correct this issue, each accompanied by cooperation on my part and adherence to your agency 's requirements, the fraudulent items persist on my credit report. I have made submissions and engaged in communications with your agency yet the issue remains unresolved, causing ongoing harm to my creditworthiness. 

I am formally requesting the following actions be taken urgently : A thorough and comprehensive review of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my multiple attempts to rectify the situation, is both distressing and damaging to my financial standing. 

Failure to address this matter within the exact time frame from the date of this letter may leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please delete XXXX XXXX  from credit reports, or I will have to pursue further legal action
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/year> in reference to accounts being placed on my consumer report that violate my rights. Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report. XXXX and XXXX both closed accounts reporting on my consumer report are in violation, any credit transactions account is supposed to be excluded from a consumer credit report, if the consumer 's social security number was used in the transaction. Please be aware that all negative remarks found on my consumer report is a violation of the FCRA and FDCPA when you can not furnish the validity remark. Every time I submit a complaint with any of the credit reporting agencies they all send the same automated messages. It seems there is not a real-life person responding back to the disputes but a AI generated system that chooses how to respond, despite it being a violation of my rights as a natural living breathing woman, According to the Dair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumer 's rights to privacy. '' XXXX, Experian, and XXXX are the consumer reporting agencies and I am the CONSUMER. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information. 15 USC 1681 ( e ) states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purpose listed under section 1681b of this title. '' XXXX, Experian, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

I was alerted to a data breach by a company I do business with. I tried to get into my Experian account to put a credit hold on my account. Apparently, Experian implemented two factor authentication and I have an old phone number on record, I can login with my user name and password but when they send me a security code I cant receive it because it is going to a number I no longer have. I have spent 2 days trying to talk to someone at Experian by phone and can not get through to a real person. I also have not been able to find a place I can Chat with them. My data has been exposed and I can not get ahold of Experian to put a hold on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, my private student loan provider XXXX, was supposed to take a scheduled payment from my bank account as they have in the past. XXXX sent XXXX test payments to our bank account to confirm there were funds available. There were funds available in the account. This is verified by our bank statements. The company XXXX never completed the transaction. I called the company and ask why they did not take the payment. They said there was an issue at our bank. I contacted my bank and talk to the bank XXXX XXXX XXXX, who confirmed it was not an issue on the banks en, that the issue was the company XXXX never actually pulled the funds. As a result of XXXX not pulling the payment this is now reflecting as late on my credit report. I have attempted to talk to XXXX several times to resolve this issue, they have not been able to resolve after being told there were retractions to credit reporting. The retractions have not taken place. It has been roughly 6 months and my credit is effected by their error. I have documentation from my bank including a statement from the bank XXXX stating the issue was not mine or the banks but the issue was with XXXX not taking the payment from my account. 
Attached are bank statements showing XXXX sent test payments to my bank but never pulled the payments. XXXX admitted THEY MAY HAVE HAD AN INTERNAL ERROR ON THEIR END by not pulling the payments. This is something I have no control over and should not be responsible for their internal errors. Once I submit the payment it is up to the company to take the payment from my account. My account reflects available funds. Also attached is a short summary from my bank XXXX who also confirmed our bank account was active and did have the funds but it was XXXX who neglected to actually pull the payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is the law : The following information in this report does not belong to me, My information has been compromised Or Im a victim of identity theft, Please delete the following information, According to FCRA 605B 15 USC 1681 you are required to block delete all info in 4 business days
Product: Mortgage

Forged deed. XX/XX/2005, my home, XXXX XXXX XXXX, XXXX, per divorce court order, was sold to a person who, as I recently just learned, shows no record of ever existing. My home was flipped 4 months later at a {$40000.00} higher cost, with the fraudulent buyer of my home in XXXX turning over my large house quickly, at a much higher price, in a poor housing market at the time.The mortgage release, which my then spouse said I HAD to sign, with his providing no explanation for the delay from my home being, presumably, sold XX/XX/2005, and the release I was told to sign, from WAMU, being dated XX/XX/2005 ( after the XX/XX/2005 sale/flip, which at that time in XXXX, I knew nothing about. ) The mortgage company was Washington Mutual, now Chase Bank.
Product: Bank account or service

I deposited several checks in my Wells Fargo checking account with the total deposit amount of {$3500.00}. The bank received the money and credited my account, however XXXX months later told me some of the checks were later lost and withdrew {$1500.00} from my account. Now I am required to figure out which checks were lost and I have to prove the checks were not honored and prove that Wells Fargo did not receive the money.
Product: Vehicle loan or lease

We received a vehcile from U.S auto sales, in that time period we paid every single payment. The interest they charged us was Beyond ridiculous on top of that, they kept saying we owed more than what we did. Our vehicle had issues of turning off even when we paid our payment, through a device GPS tracker. Our vehcile got repossessed over night, because we couldnt pay all the extra they said we owed. Now its being auctioned.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection item that appears on my credit report from XXXX XXXX XXXX XXXX. I have reviewed the details of this item and found several discrepancies that need to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Account Number Discrepancy : The account number listed on XXXX is XXXX, while on XXXX it is XXXX. This inconsistency XXXX indicate a reporting error. 

Original Lender Name Discrepancy : The original lender 's name is listed as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX. 

Collection Agency Name Discrepancy : The agency name is listed as XXXX XXXX on XXXX and XXXX XXXX XXXX on XXXX. 

Absence of Information on Equifax : There is a considerable amount of information missing on Equifax, including account number, original lender, agency name, and balances. 

Current Balance Discrepancy : The current balance is only reported on XXXX as {$12000.00} and not on XXXX or Equifax. 

Different Status Listings : The status listed on XXXX is Unrated or bankruptcy while on XXXX it is Account seriously past due date/account assigned to attorney, collection agency, or credit XXXX 's public collection department. 

I am requesting that you conduct a thorough investigation into these discrepancies and correct or remove the inaccurate information from my credit report. 

I look forward to your prompt attention to this matter. Please update me on the status of this dispute within 30 days as required by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Disputed account # [ XXXX XXXXXXXX # XXXX ] XX/XX/XXXX Equifax and XXXX XXXX claiming they investigated what I have disputed about late payments : however, they just sent a copy of my consumer report thinking I am stupid enough to accept that as confirmation a of an investigation. I request deletion of the late payments from XXXX and XXXX. Attached is the last letter I sent them.
Product: Credit card or prepaid card

Spoke to customer service three or four times since XXXX charge. Last communication was a few weeks ago. Customer service informed me that in a week to 10 days a credit for the charge would be applied as per her manager. Since then no credit had been received. These bills were from XXXX XXXX XXXX as follows XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX In XXXX when TD credit card bill arrived they were contacted about the error. I then called XXXX & XXXX they weren't aware of any charges. When TB Bank was informed was told belling would be corrected. After numerous attemps credit not applied. TD Bank account ending in XXXX. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, Please fix the reporting of 30 days late in XXXX of XX/XX/XXXX. On XXXX XXXX apayment was submit ted. This payment was returned, and XXXX did not notify me until I noticed my credit score dropped from the late reporting. XXXX customer service claims that they emailed me on XX/XX/XXXX, to notify me that this payment did not go through, but I did not receive anything. XXXX customer service also admits that they did not try to contact me in an alternative method, such as a phone call, text, or paper mail. I have attached a screenshot of my emails from XX/XX/XXXX, there is nothing in my inbox. 
I would like this corrected as soon as possible. I am trying to purchase my first house, and this is hurting me. While there was some fault on my side, I do believe I should have been notified to submit repayment. Please call or email me with any questions.
Product: Debt collection

I keep getting repeated calls from a company called XXXX XXXX XXXX stating that I owe {$3900.00} on a HSBC platinum credit card which I do not have a credit card and the last time I had one was 15 years ago. I have pulled my credit report and there is nowhere on my report having this credit card or this debt. Im am being threatened that if I dont solve this issue I will have a judgement. In the past 2 years I have had my identity stolen so I dont know if someone once again stole my identity and opened a credit card in my name. But like I said I dont have any credit cards on my credit report showing
Product: Checking or savings account

I keep getting both XXXX  and XXXX  weekly from USBank saying that XXXX XXXX tried to charge my account and it was declined. 
I have never had a XXXX XXXXt, and USBANK was the ones who illegally and unethically terminated my Bank Account XXXX  years ago because my wife followed their directions to the letter causing my credit to tank, and almost starving us to death, which made the pandemic a living XXXX for us, of which we have yet to recover and in fact are now going to need to declare bankruptcy. 
Ive told USBANK this is fraud XXXX  times with out responses. Not surprising because of their horrible ethics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the hacking of personal information At XXXX I had to place a security freeze on all three credit reporting companies. On XX/XX/2019 I had the security tfreeze emporally removed from Experian. Their website confirmed that the freeze was temporally removed. 
I requested from XXXX XXXX a credit increase on my Visa card. 
For four days we went back and forth attempting to gain access to my credit report to no avail. I even requested a one time pin number for XXXX to use. No matter what I tried Experian continued to deny access. Calling them is a colossal waste of time, since its all automated service. This is not fair, they make billions of dollars using our information and do not offer any help to the consumer when you have a problem with their services.