23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

After getting various mail offers from them, I applied for a business credit card with American Express the first week of XXXX of 2024 and was denied due to the length of my own personal accounts being opened and because of the balance being higher than they'd like on some of the credit cards. 

Banks are required by law to provide small businesses XXXX funding without showing documentation as long as an XXXX and EIN are in place pursuant to 12 USC 1431 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a report on XXXX a XXXX XXXX XXXX account it was deleted after 30 days under the FCRA and WV Law then a few weeks ago I pulled my XXXX  report and that report was illegally reinserted back on my XXXX  report this report is totally inaccurate and it should have never been reinserted after 30 days and its removed its supposed to never be put back on my XXXX  report the bank had 30 days thats the law they didnt verify it it was removed and should have never been put back on file if this report isnt permanently removed immediately I plan to initiate a lawsuit against XXXX that report made me have a XXXX XXXX under dr care now causing me XXXX XXXX XXXX XXXX and XXXX I want it removed immediately or I am proceeding with a civil lawsuit in US District Court against XXXX also XXXX  didnt tell me how it was supposedly verified they put in a letter a XXXX XXXX XXXX with a XXXX XXXX XXXX address as the verification I never been to Cali so how is someone in California verifying a XXXX XXXX I want this removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XX/XX/XXXX. I logged into XXXX XXXX to check my credit and found that it had dropped 31 points due to student loans. My student loans are not due until XX/XX/XXXX and currently in forbearance so there is no reason why my credit should have dropped 31 points. I called Equifax to find out why they dropped my score by 31 points and got a representative who told me that because I use XXXX XXXX to check my score I had no right to inquire on The reason why my score dropped by 31 points. I try to investigate on their website but it kept timing out and then said I feel the verification authentication segment. Ironically they drop my score 31 points and Im unable to dispute it right now and customer service wont assist me. If my loans are currently not past due and in good standing with XXXX  there should be no reason Equifax should be dropping my score by 31 points. The gentleman I spoke with with XXXX even said my loans were in good standing and not due until XX/XX/2018.
Product: Mortgage

I've been working with XXXX XXXX of Amerisave to refinance our home. Soon after I paid the {$500.00} application fee I have been stonewalled. I contacted them many times, even received a call from his manager XXXX. XXXX indicated my file was with an underwriter. That was over 10 days ago. They have all the information they need to get the loan financed. I have heard nothing. I advised them in the latest email that if I did not hear from them I would file a complaint and I want my {$500.00} fee back. Clearly I have not received what I set out to do - refinance my existing mortgage. I noted other reviews on Amerisave that they do this all the time. I sincerely hope this is not a scam, just poor service from one individual. Nevertheless I no longer want to do business with this company and I want my money back. I also want to alert others so they don't run into this same frustrating experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the global shutdown do to covid 19, I was not being payed and waiting for government assistance to kick in. Everything was backed up due to millions of claims at one time. I was late on a payment to my credit card company " XXXX XXXX '' based in XXXX XXXX. They offered a program to forgive late payments or no payments due to covid 19 at the time. They did not call or email about this offer. I found out simply because I called on my own to say I was having problems due to covid and if they could take it off my record, like all my other credit card companies offered with no problemor hesitation. I was told they would take the late payment off my account and they never did. I've tried to dispute this over the phone and through the credit bureau over 10 times now. They still have not taken it off. Its terrible they would do such a thing during such a tragic and hard time. This company is terrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to maintain basic security practices, resulting in the loss of private data to unknown souces. Equifax has failed to demonstrate transparency and has deceived the public about it 's knowledge of the data breach, as indicated by Equifax executives selling stock moments before releasing information about the data breach. Finally, Equifax has failed to properly resolve issues that stem from the loss of data that will lead to an increase in identity fraud, by not providing an option to make whole the individuals whose data was lost.
Product: Debt collection

I opened an account with XXXX in XXXX I Had the account for XXXX plus years in XXXX I closed this account with no money owed but somehow it has ended up on my credit report saying that I opened an account with XXXX in XXXX which is not true. I have the evidence to prove when I open this account but no evidence to prove that I close this account in good standing. I want exact proof that I owe any money to XXXX and not just a piece of paper saying I owe x amount of dollars. I want to know exactly what I owe the money for and the dates that this money was apparently due to them. They are committing fraud at this point and I want this removed from my credit report. I have disputed three times with XXXX and each time it comes back as information reported is accurate and this is not true.. Jefferson capital is committing fraud I have attached evidence to when this account was opened in XXXX not XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



EQUIFAX fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX XXXX REPORT INCORRECT BALANCE ON ACCOUNT
Product: Debt collection

{$850.00} in debt opened in XX/XX/year>, they called about payment installations or a deal last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, My name is XXXX XXXX.
I pulled my credit profile only to discover that the bureaus is reporting inaccurate information on my credit report. I have inform them that I 've been a victim of identify theft. On my credit profile it list that my Date Of Birth XX/XX/XXXX, when my Date Of Birth is XX/XX/XXXX. I have submit several dispute on the behalf and yet they still reporting these anonymous accounts listed below : XXXX XXXX XXXX ****** Balance {$1200.00} XXXX XXXX XXXX******* Balance {$440.00} please update and remove all items listed above
Product: Credit card or prepaid card

I called the company on XXXX at the request of my bank and requested a 10 day pay off letter. They refused to provide me with this. Stated that I could just send them the amount due on my next billing statement. I explained that I was having the bank issue a check to pay the balance and did not want to accrue any further interest. They continued to refuse to provide me with the payoff letter. My bank issued a check to the company in the amount on the statement. The tracking number provided shows the company received the payment on XXXX. The payment has not yet been posted to my account which has now accrued an additional {$100.00} in interest charges. I called the company and they advised me that they are not required to post the payment to my account until the XXXX, regardless of the fact that they have the payment. Therefore allowing them to continue to accrue interest charges. I do not feel that I should be responsible for any interest that has accrued beyond the amount that the check was written for considering they refused a 10 day payoff letter and are now refusing to post the payment to my account
Product: Credit reporting or other personal consumer reports

uPON ME REVIEWING MY CREDIT REPORTS I NOTICE ACCOUNTS THAT WERE NOT MINE
Product: Debt collection

I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX, XXXX has reported incorrect information that I owe the amount {$1200.00}, I have sent a notice of state and federal validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover was billing me for one of there products ( wallet account protection ) without my knowledge. They also went to paperless billing and I never saw any statements. As the owner of the account no effort was made to contact me. The fee was for less than 19 dollars and is affecting my credit score. I've made multiple attempts to clear this up. 
XXXX ( Supervisor ) - stated he was working to get this corrected. He is no longer with the company.
Product: Student loan

When asked about loan forgiveness for nurses was told that only teachers qualify for forgiveness. When asked about XXXX was disconnected and when I called back I couldnt get through. Request a refund of payments I made since XX/XX/2020. Its been 2 months and it reflects on my loan amount but I dont have the refund yet. Its very difficult to know whats available when they arent forthcoming with information or answers. So frustrating
Product: Checking or savings account

This complaint is in addition to complaint number XXXX-XXXX : U.S. Bank recieved checks from merchants and clerly marked or wrote closed account on the checks and sent them back to the merchant, when in fact the account was not closed, becuase of there wrong and negligent bussiness practices, i have been charged with a criminal case because the merchants did not attempt to submit the checks for payment a second time due to U.S bank writing Closed Account. Then when i wrote the first complaint the Representative from us bank did not read my complaint and made it seem like i asked for my account to be closed when in fact i never asked for it to be closed, she just tried twisting they're words she clearly did not read the complaint. I will Submit All evidence i have for the above complaint. The other complaint is that all my account history does show any checks even being ran through my account and i called customer services and they said there wasn't no recorded but if you clearly read the evidence paper marked with a big x you will see checks order fees. Also There was a savings plan i was in where i never got visa gift cards in the amount of {$10.00}. I have more evidence i will send it because i have to obtain it but here is one check clerly marked account closed before the close of the account by us bank on XX/XX/XXXX the check is marked by us bank XX/XX/XXXX, lastly  XXXX XXXX says i received letter by the XXXX branch manger i did not ever receive no letter and the letters she inserted in the response to the complainant mentioned are not signed or dated i believe us bank made them after the fact because they are not signed or signed dated
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the consumer reporting agencies XXXX and TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 concerning permissible purposes for credit inquiries, as well as 17 CFR 424 related to promotional inquiries. I believe that XXXX, and TransUnion have allowed promotional inquiries to be made on my credit file without my consent and in violation of the FCRA. Promotional inquiries refer to credit inquiries made by lenders or marketers to offer pre-approved credit or other services to consumers. These inquiries are only permissible under certain conditions, and I do not recall authorizing such inquiries. FCRA Section 1681b specifies that a consumer reporting agency may only disclose consumer information to a third party for specific permissible purposes. Promotional inquiries, which are often used by marketers, do not constitute a permissible purpose unless the consumer has opted in or authorized such use. 17 CFR 424 further provides that promotional inquiries may only be made if the consumer has consented or if the inquiry falls within a category of permissible purposes, such as a credit transaction or the evaluation of an offer for credit based on the consumer 's prior consent or participation.

All included companies have also violated my rights pursuant to the Privacy Act of 1974 ( 5 U.S.C. 552a ) which ensures that personal information is only used and disclosed for purposes that are authorized by law. The Privacy Act prohibits the disclosure of personal information without the consent of the individual, except under specific conditions.
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX XXXX XXXX was flooded due to Hurricane Ida. I called both my insurance company ( XXXX ) and Toyota Financial Services, ( TFS ). 

I called XXXX XXXX a week from that date on to verify all was fine. I told to NOT pay the XXXX bill which was due on the XXXX and that XXXX would make the account as total loss without interest our credit penalty. 

Every week I called XXXX XXXX a week to check on everything. I was told XXXX hadn't submitted payment. I called XXXX and finally confirmed payment. 

On XX/XX/XXXX I receive a letter from XXXX stating I owe {$0.00} after the receipt of the XXXX payment and cancellations of other warranties. XXXX paid out {$31.00} which brought my account to {$0.00}. I called XXXX on this day and was told that I owe {$0.00}. I called immediately back and was told the same thing. 

On XX/XX/XXXX my daughter said she had a missed call from XXXX. I called them and spoke to someone who said I had a balance of {$3400.00}. He said XXXX did not cover this portion. He transferred me to XXXX and this gentleman said he was incorrect and that I owed {$0.00}. He said he would talk to the rep and. He came back and said XXXX is saying I ow this amount due to extensions taken on this account. He transferred to someone else who said I had a balance of {$980.00} and that it was being reported to the credit bureaus. I asked to speak to someone else and was told the office closed. 

I called on XX/XX/XXXX and was told that this amount of {$3400.00} is correct and that I owe this amount. I asked why the letter from XXXX said I owed nothing just XXXX weeks ago. She said the letter did not state this. She looked into my account found the letter and said it was wrong. She said a new letter was mailed on XX/XX/XXXX. But I have not yet received this letter. She sent me a copy of the letter via email and it is dated for XX/XX/XXXX but like the previous letter it will take many day to receive. 

I asked to be escalated to a XXXX, who said the XX/XX/XXXX letter was incorrect and that they told me this on every call. This is an outright lie. This have not happened. I have chased XXXX every step of the way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/XXXX XXXX reported to XXXX that I was delinquent for those two months on an account that was paid off in XX/XX/XXXX. If XXXX had done their due diligence they could have verified that what they reported was not accurate. They added a note on my account which affected my credit score and has cause me to have a higher interest rate when applying for home loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report from XXXX XXXX XXXX XXXX contained an unknown and unauthorized inquiry from a company called XXXX XXXX XXXX for an alleged payday loan. I have never had a payday loan from any company yet Clarity stated that it had been verified without providing any tangible and legal proof. My contact at Clarity is a lady named XXXX and her number is XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting to take immediate action to resolve this issue. I believe the following solution would be fair and appropriate asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I entered into a loan modification process with Wells Fargo in XXXX which they drew out until XXXX of XXXX before closing the process as " unsuccessful '' due to not being able to clear title. This was done without notice to me and WF was the sole purpose why the title couldn't be cleared. I filled a complaint with CFPB in XX/XX/XXXX and WF sold or transferred my mortgage to XXXX XXXX who now states that I'm in default due to being over 2 years behind in my mortgage when they just got it in XXXX. I will be homeless before anyone is forced to account for these actions. 
The only reason WF took two years to not clear the title is because they refused to obtain a copy of the current title from the county and state and refused to send me an affidavit of heirship thus profiting from their own failure.
Product: Credit reporting or other personal consumer reports

KIKOFF, They report late XXXX XXXX more then 2 months, false and inaccurate information l have emailed and no such help was giving. I am requesting this to be removed immediately or I will take further means. Violation of FCRA
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 XXXX XXXX XXXX permissible purposes of consumer reports. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 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. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : XXXXXXXX XXXX XXXX  Section XXXX A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX   XXXX : It states, a consumer reporting agency can not furnish account without my written instruction. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give written consent, or permissible purpose for creditors to access my consumer report-this should have never occurred without my permission. Please see attachment for the specifics on this issue.
Product: Mortgage

I became XXXX unable to make the full amount of my mortgage payment ton XXXX I was not assisted with any loss mitigation application.The mortgage went into foreclosure XX/XX/XXXX. The attorney said, I was served a Notice of Foreclosure Intervention. I was not severed a notice. I applied for a short sale and sent all requested information. I was not denied or accepted. The mortgage was sold while in the process of evaluation for the short sale. The mortgage was brought on XX/XX/XXXX by Caliber Homes as server XXXX as owner. They failed to assist me with a loss mitigation program until XX/XX/XXXX when the mortgage went into final foreclosure. Now they have added {$9000.00} in interest {$45000.00} in attorney 's fees to total {$250000.00}. They want me to pay that as a loss mitigation. I know I am unable to qualify for this loan. The Judge have approved these figures. I have until XX/XX/XXXX to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( OriginalCreditor : 12 XXXX  XXXX XXXX XXXX XXXX  ) XXXXBalance : {$750.00} XXXX  XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXBankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Bank account or service

I bought REloadit packs and loaded them to my safe. I tried to pay a bill using their bill pay feature, but it never went through. I opened a second safe and tried again. It did n't go through either. I have been trying to get a refund for these payments since XXXX ( it 's XXXX today ). I have been fed false information by this company and am beginning to think I 'll never see this money again. I have spent about 20 hours on the phone ( all recorded on my end ) and am surprised about his this company is allowed to operate. I have received XXXX refund checks in the past for unrelated issues. 100 % of the time, the refund check got lost in the mail. They take 30 business days for the check to be approved, then require XXXXXXXX business days for shipping. That means after they tell you they 're sending a check, it could be close to 2 months before it 's due date at your door. This is enough time for many people to forget a check was even supposed to be coming. 100 % failure rate makes me believe no check is ever sent the first time around. After you call them back and wait for another check to be approved, they might finally send it. When they do, it is a very small post card style check, which is small enough to fall in cracks or be overlooked as mail altogether. I am now on the XXXX iteration of checks being issued for this refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 U.S. Code 1028A, Transunion has committed aggravated identity theft against me as they have obtained my social security number, birthdate, addresses, phone number, and alleged information from creditors including transaction history. I never provided Transunion with this information and plan to report them to the Federal Bureau of Investigation for aggravated identity theft, computer fraud, wire fraud and mail fraud.