23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/23, I made a payment to my US Bank credit card, which was due on XXXXThe payment cleared my bank account on XX/XX/23. At that time, I also canceled auto-pay for my US Bank credit card, so the payment would not pull from my bank account on XX/XX/23. On XX/XX/23, I received a text notification from my credit union that a large transaction had posted to my account, in the same amount as my credit card payment from XX/XX/23. I called US Bank to resolve the issue. At that time, I was told they would request to have the funds returned to me on XX/XX/23, and that it would take XXXX calendar days. The cited reason for the delay was that it would take XXXX days for the payment to clear and be received on their end. Once that was confirmed, they would return the payment to me. On XX/XX/23, I called US Bank again, because I still have not received the refund. I wanted to confirm that the refund request was processed on their end, and to obtain a time frame for when the funds would be returned to me. The first person I spoke with told me the refund request had been initiated, but that it would take 8 days for the funds to be returned to me. I was connected to a supervisor to request that the process be expedited. I was on the phone for a long time with the supervisor and the call was eventually disconnected. I called back, spoke to another representative, and was again connected with another supervisor. After being placed on hold for several minutes, he initially told me that there were " alternative solutions '' to my problem. He then said that the only solution was for me to wait 10-16 business days, citing that they are " a large financial institution '' and they " need to research it. '' When I asked for more information about what that means, he simply repeated himself. I asked to speak to another supervisor, or his supervisor. At that point, his tone became combative, and he told me that they may not take my call, and they would tell me the same thing. I waited on hold for another several minutes. Eventually, he told me there was something else I could do. If I could fax them proof the funds were taken from my account, they would " rush '' the refund request, and return the funds to me in 3-4 business days, or by XX/XX/23. If not, I would receive the funds back in XXXX business days, or by XX/XX/23. I am filing this complaint, because US Bank never should have debited my account for these funds in the first place. The secondary reason for this complaint, is that US Bank is intentionally delaying the return of my payment. The third reason for this complaint, is that every time I have called to speak to someone, I have gotten a different answer regarding the time frame for the return of my funds ( 3-8 calendar days, 8 calendar days, 10-16 business days ).
Product: Mortgage

Loan XXXX Borrower : XXXX XXXX To whom it may concern, I am writing this letter as my last attempt in hopes of coming to a solution with my servicer and having them postpone the current sale sate scheduled for XX/XX/2018. My mortgage loan is an FHA type of loan and my investor is XXXX XXXX. I was informed that I can send a complete mortgage assistance package to my lender 7 days prior to the sale date in order to receive a postponement and proceed with my modification review. And so I sent over a complete package to my servicer on XX/XX/2018. I called my servicer and I spoke to XXXX the supervisor in loss mitigation on XX/XX/2018. She advised me that my investor was XXXX Not XXXX XXXX and that I had run out of time to proceed with my modification review. I let her know I was advised differently and that I even looked up my investor on XXXX and the system reflected my investor being XXXX XXXX. It seemed as if she didn't even care nor did she have the information for FHA 's guidelines. All she did was kept repeating herself that my investor was XXXX and they could not do anything for me anymore. From what I have been advised and what shows on the FHA website, is that a borrower can submit a complete mortgage assistance package 7 days prior to a sale date and still have the opportunity of proceeding with a modification review. It seems Mr. Cooper is trying to do otherwise and will not give me a chance to save my home even though by law I should be entitled to do so.
Product: Credit reporting or other personal consumer reports

Under the Fair credits reporting act ( Fcra ) Specifically under 15USC 1681 ( o ) I have identified several entries that I believe are inaccurate and potentially reflect a willful noncompliance with the fcras requirements. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Took new mortgage with Loan Depot took almost 60 days to finalize secured loan first payment due on XX/XX/22 for {$2900.00} ( LOAN # XXXX ) to date all payments on timereceived latest monthly invoice which stated monthly payment is now {$3500.00} a nearly 20 % monthly payment increase of which I can not afford apparently the companys ESCROW DEPT miscalculated my ESCROW and is putting the onus on me for their mistake loan only a couple of months old and they arbitrarily raise it {$500.00} per month they need to use their errors and omission insurance TO COVER THIS LOAN DEPOT MISTAKE whether it be the ESCROW or TITLE DEPT of LOAN DEPOT. 

PLEASE CONTACT ME RIGHT AWAY SINCE MY new payment just became due. 

Thank you for your valuable time and effort in this time sensitive matter, A very upset XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX.
Product: Credit reporting

My accounts with :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX  were paid in full at  XXXX   XXXX  and are not a valid collections account, you will find the receipt of payment attached.
Product: Money transfer, virtual currency, or money service

This was about late XXXX of XXXX  and I had lost my card which led to all these transactions being done on my Zelle account and ultimately got my Zelle banned while also getting be terminated from XXXX and now Im not allowed to bank with them. It led me to now owing XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. : XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I believe to be inaccurate/unauthorized.
Product: Student loan

My loan has been transferred to several different companies. It seems that after I make a payment arrangement with one company, once they have made their $ XXXX- {$4000.00} fee, they sell it off to another company. Now I have paid my balance down because I had been paying on the loan for about a year or so and when it gets sold off, the new company tacks on their fees and my balance gets pushed right back up. I 'm spending my time and money paying fees but the loan does n't come down. I just signed into Navient 's website to get my tax form to see a note that I was 18 payments behind and had been charged a late fee. Well, Navient is taking the money out of my account every month, so how am I missing 18 payments? They have the wrong bank account as well. I went to school for 1 1/2 years and XXXX has really jammed me up. The had me listed for some many loans it was ridiculous when I went to the same school the entire time.
Product: Mortgage

Our California Home was Foreclosed on in 2008 after trying to get Mortgage reduction. There was a XXXX and XXXX, purchase money Loan originated by XXXX, subsequently taken over by Bank of America. 
Approximately two-years after the foreclosure, we began getting " Past Due '' statements from B of A, each month adding service charges. this has continued for every month, each time increasing the " Balance Due '' amount. 
Also during this time, we have recieved Warnings that they ( B of A ) are going to " Foreclose '' which already took place in 2008. 
California is a " No Recourse state '' and we received aknowledgement from the state. 
However, we have made numerous calls and spoken to numerous individuals at B of A who have apologized and said the matteer would be resolved, but it has n't been. 
B of A stopped reporting the deliquency to the credit bureaus a couple of years ago, and we have been told that the loand was " Charged Off '' but we continue to receiver the " past Due '' notices, each time with an increasing balance amount. 
Please helpT
Product: Credit card

XXXX The Department of Public Safety identified fraudulent activity that resulted in my driver 's license card being sent to a remote location in Oklahoma by an unauthorized party without requiring audit numbers ( XXXX. ). The notification letter was then sent to the affected individuals. The following criminal investigation has identified the group as a " XXXX crime organization '' that operates trans-nationally. 

XXXX XX/XX/XXXX A New credit card was opened at the U.S. Bank National Association without authorization . The fraudulent address used to issue a credit card is believed to be XXXX XXXX XXXX XXXX, IL XXXX. Fraudulent phone numbers ( XXXX XXXX XXXXXXXX ) and security questions ( For instance, the perpetrator did not know my mother 's maiden name ) were used. 
XX/XX/XXXX A U.S. Bank National Association checking account was opened without my authorization with a minimal deposit. According to the credit report, the perpetrators made minimal monthly payments from XXXX to XXXX. 
XX/XX/XXXX - XX/XX/XXXX The credit line was then increased to $ XXXX and maxed out at {$9400.00}. I have never resided in or visited the state of Illinois or any other place in those transactions. 

I am also attaching my other credit card expenditures during this timeline, for which my wife is an authorized user, in hope to provide information about our locations and spending patterns. Please see XXXX. 
In addition, my wife and I were both full-time students in the middle of sub-internships at a local culinary school and medical school during this timeline, which would make these purchases in other states improbable and unreasonable. These institutions will provide you with evidence of attendance during this timeline. 

XXXX XX/XX/XXXX Texas DPS at XXXX issued a corrective measure to the affected driver 's license. I was first informed about the security breach and was told that about XXXX individuals were affected. This was also the first instance that I noticed a significant change in my credit score. 
The U.S. bank started its investigation on XX/XX/XXXX ( Ref. XXXX ). 
The incident was filed at the credit bureau on XX/XX/XXXX ( XXXX XXXX. XXXX ). 
A police report was filed to the XXXX XXXX XXXX XXXX police ( Case XXXX ). 

XX/XX/XXXX XXXX, the fraud investigator at U.S. bank, denies the fraud application claim for the following reason : Does NOT qualify as unauthorized thrid-party fraud. No correspondence from the fraud investigator since the submission of the fraud application. I have made multiple attempts to reach her by phone but was told that she had reached out once by calling the number that the perpetrator used ( with the area code XXXX ). No detailed explanation is given by phone or mail. No appeal process is explained by the fraud investigator or the US bank itself. 

XX/XX/XXXX U.S. Bank certified to XXXX while the checking account is fraudulent, but the issued credit card remains accurate despite them performed by the same perpetrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX federal was restricted after I made a deposit into my accounts because of XXXX XXXX XXXX XXXX I was told to call them to resolve the issue, they arent open on weekends which is ridiculous and on weekdays they open at XXXX est which is late for something of this nature, once getting in contact with them they didnt help with anything except offering my credit report to dispute discrepancies if found. They offered to email it to me as a faster option then proceeded to tell me that even the email will take 1-15 business days WHICH IS RIDICULOUS. What is the point of an EMAIL option if it takes the same time as regular mail? Overall this is ridiculous and not helpful because my money is now locked away in a restricted account! Now while trying to get a clearer understanding of what actually is happening XXXX XXXX has had me on hold for a hour!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a balance that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

With XXXX I have 42 inquiries that I didnt make I have made several attempts to dispute them but they keep going up Same With Equifax I have 81 inquiries I have had no progress with the bureaus it is fradulemt activity if I dont have an account attached to it I did not make it. 
A good portion of these inquiries I was under the age of XXXX in the state of Georgia that is illegal they are not any help. Please Help?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I contacted transunion and XXXX about being a victim of XXXX XXXX and fraud. I filed disputes with both transunion and XXXX and filed disputes with XXXX XXXX XXXX and XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX and turned in a FTC XXXX XXXX report to them and there refusing to remove these fraudulent accounts from my credit report even though Ive provided them all the information and documents theyve asked for. These are not my accounts and Ive stated this several times and provided all information to them
Product: Mortgage

Last year, I wanted to remove PMI, so after contacting my mortgage provider, PNC, and letting them know I intended to do so, I ordered an appraisal through them. They sent me my new home value, and I sent them the $ XXXX necessary to recast the loan after confirming with them that the PMI would be removed. 

This year, I was going through my statements and realised my PMI was never removed! Contacted PNC and they said my home value had not changed. It took months of calls and emails for them to realise they had the new appraisal, but for some reason the new home value was never applied to my account and is now too old to be applied. 

I've been ripped off around $ XXXX so far I believe, and although after some months they connected me with an internal contact who is supposedly trying to help me sort this out, he has been " working on it '' for months already with no solution. They claim that it was my fault for not sending my $ XXXX to a particular department address, but I'm unclear on what that has to do with them forgetting the new value of my home and charging me PMI after the new appraisal. 

They also neglected to make clear that I needed to send any payments to any particular address in their correspondence with me, stating " The best way to make sure your principal payment is applied to the principal, please mail in the payment. '' If they were trying to tell me the ONLY way to do this successfully was to mail it to that address, then they failed to tell me that by using the words " the best way '' or " please mail in the payment ''. They were misleading but maintain that they did nothing wrong by forgetting to apply the appraised value to my home, saying that their departments do not communicate with each other and just because one department knew my home value had been updated did not mean it would apply to my mortgage. That is simply ludicrous It was impossible for me to know which department I was even speaking with as I used the standard customer service messaging centre!
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Background & situation : I have an Apple Card that is issued by Goldman Sachs. I received the card in XXXX XXXX  with a {$1500.00} credit limit. I had some financial emergencies in the fall of this year, fell behind on some payments ( not with my Apple Card ) and took out a loan from my XXXX to catch up. My bank told me the check would clear by XX/XX/XXXX but they decided to hold it longer because it was a large check ( I had to call the bank to correct ). I had made a payment to my Apple Card on XXXX but it was declined by my bank. I then made a payment on XX/XX/XXXX and called Goldman Sachs to tell them what happened. Because this payment was declined and other creditors reported that I had late payments, my credit limit was downgraded to {$800.00} on XXXX I did not know that this downgrade was happening and made payments totaling {$1400.00} on XXXX XXXX  and XXXX. 

Situation : I paid {$1400.00} and I spent {$600.00} by XXXX On XX/XX/XXXX they downgraded my credit limit from {$1500.00} to {$800.00}. Now they're saying that my only available credit is {$190.00}. However there's {$680.00} that is unaccounted for and Goldman Sachs is saying that they do not owe me the money. The customer service agent didn't understand the issue and didn't take the time to understand it. So we didn't get anywhere through both phone and text support. I'm at a loss and don't know how to get my money. 

SUMMARY OF NUMBERS CITED : Balance on XX/XX/XXXX : {$1400.00} XXXX payments : {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$880.00} on XX/XX/XXXX TOTAL PAID FOR XXXX : {$1400.00}
Product: Credit reporting

In XXXX 2012 I disputed a judgement listed on my Experian credit report. Experian verified. I have contacted the court listed and they have no judgement rendered under my name. Further, they have stated that they have NEVER received any inquiries from Experian regarding any alleged judgement. I 'm requesting Experian to provide me with their Method of verification or to delete this tradeline from my report.