23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ive tried to modify my mortgage and pleaded with this mortgage Company to modify they refused to work with me but tried to foreclose on me when I paid my modification process
Product: Vehicle loan or lease

In the past months I have been faced with a financial hardship with me being sick with XXXX  and being on unemployment witch I only receive XXXX I have reached out to ally financial about my situation over the phone and Thay have ignored my situation with more calls more harassment and I paid them XXXX on XX/XX/2022 and tried to get on a payment plan Thay would not let me so the came in the night to reposed my car and my personal items in the there as well I contacted them about this matter but all Thay want to discuss is money
Product: Mortgage

My loan was transferred to LoanCare on XX/XX/XXXX. They told me I had to make a one-time payment for XX/XX/XXXX because auto monthly payments would not kick in until XX/XX/XXXX. In early XX/XX/XXXX, I made a one-time payment, which included {$5.00} late fee because I did not pay before XX/XX/XXXX, and I enrolled in auto monthly payments as well. The one-time late fee was supposed to be refunded because ( a ) it was impossible to make a payment before my loan was transferred and ( b ) they are not permitted to charge late fees in the first month. Contrary to what i was told, the auto monthly payments started in XX/XX/XXXX and I therefore made two payments in XX/XX/XXXX instead of one. I have asked countless times for a refund and they say the will, but never end following through.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX/XXXX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I opened a Citi Diamond Preferred credit card with a credit line of {$3700.00} with {$1200.00} available for balance transfer ( 0 % for 19 months ). I activated the card by phone, and set up a user name and password online, and indicated I would be interested in a balance transfer to XXXX XXXX. On XXXX I set up a {$1200.00} balance transfer to XXXX XXXX for mid XXXX, but had a {$980.00} airline ticket refund, so immediately called back to CitiCard to cancel the {$1200.00} transfer and initiate a {$270.00} transfer to pay off the remaining XXXX XXXX balance. Following this, I checked on line through chat service and many times looked at my transaction lists to make sure this was processed correctly, even called back to make sure the {$270.00} would clear in time. 

In a surprise to me, on Monday XXXX CitiCard processed a {$1000.00} balance transfer to XXXX XXXX, giving me a negative {$1000.00} credit limit with XXXX XXXX. I called on XXXX to CitiCard to ask what this {$1000.00} balance transfer was, and was told I iniated this on line. I asked how I couldnt be informed of this when I called, and how was I allowed to do redundant transfers to the same company, and how this {$1000.00} transfer did not even show up on my transaction list as pending ... They had no answers, and XXXX badge XXXX told me they must have assumed I knew, and I should call XXXX XXXX to refund. Bottom line, CitiCard withheld basic account balance information from me on multiple occasions and allowed for redundant balance transfers. This was very poor customer service and a complete waste of time.
Product: Checking or savings account

I had to close my account because of this and left a high balance owed, because of the XXXX fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with selflender.com for the purposes of building my personal credit score. I was informed they were a great company in terms of helping consumers build good credit using their own money. When I open my account in XXXX I was not informed that I could not mail my check in for payment on my account. Instead I received an e-mail stating my check was being returned to me because XXXX XXXX XXXX self lenders banking partner were not able to accept a paper check as a form of payment. I contacted self lender and informed them that check payment method was the only way I could pay due to my debit card being replaced. Self lender rep stated that would be fine and just make the payment when I could. Later when I looked at my credit report I noticed I had a 30 day late for the month of XXXX although my payment is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law, This has not been submitted in error. 
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Carrington Mortgage Services LLC purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. Carrington is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to Carrington for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, XXXX, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute negative and inaccurate items on my credit report with all 3 bureaus for over 50 days now. I have not gotten a response from any of the three. I have sent multiple letters off to each of them. Even providing facts and quoting laws and codes from the FDCPA. It has been 59 days now and I have not heard anything from these bureaus or seen any changes to my credit report. This is wrong and unlawful. I am demanding the negative accounts and information be deleted from my credit report. You will see all of the inaccurate accounts in the letters I have attached. The bureaus are violating FDCPA section 807. They have also failed to respond or investigate my disputes within a timely manner. This behavior is completely unacceptable. It is restricting my family and I from living our life comfortably.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unauthorized use of card, money transfers, and cancelled transactions. 
I am able to log in my account but I can not use my card anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 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: Checking or savings account

Claim Number : XXXX Dispute Number : XXXX On XX/XX/2020 I sent {$400.00} to XXXX XXXX XXXX XXXX XXXX for a ticket to the Oscars award ceremony. I latter found out that it is a scam! 

On XX/XX/2020, I filed a complaint with Skylight Financial Inc. a XXXX XXXX. On the phone with the representative, I explained that i did make the transaction, but latter found out that its a scam. I was asked to put my complaint in writing also and e mail it to : XXXX. The funds of {$400.00} was credited back to my account as a provision, until the investigation was complete. Skylight Funding Inc. Investigated the matter as if I said I never authorized the trans action, WHICH IS NOT TRUE. I Never said that I didn't make the transaction, I said that I did make the transaction, but latter found out that its all a scam! The {$400.00} provisional refund was taken out of my account. 

On XX/XX/2020 I called Skylight Financial Inc. and spoke to supervisor XXXX employee number : XXXX Who said that, the investigation would be reopened and someone from the fraud department would call me in 3 days. NO ONE CALLED ME! 

On XX/XX/2020 I called back and spoke with XXXX employee number:XXXX. I explained the whole situation again to her ( XXXX ) who also told me that, the investigation would be reopened and someone from the fraud department would call me back in 3 days, NO ONE CALLED!
Product: Credit reporting, credit repair services, or other personal consumer reports

After correct reporting for 6 years, Experian suddenly starts reporting my bank credit card was subject to a chap XXXX bankruptcy. My bank XXXX XXXX, has correctly reported this account was exempt, fully paid every single month for over 6 years, open, and had a XXXX balance at time of incorrect report. XXXX has previously call Experian the last time they screwed it up, that stayed fixed for 6 months, now revert to incorrect report. 
Please forward this complaint to the FTC, as their penalties ate not effective in correcting the biased CRA reporting. They continuously violate CFPB, FTC, and FCRA regulations and display utter disregard for consumer interest.
Product: Debt collection

On XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX XXXX ( XXXX ) to pay off the debt to Citibank. At that point I had no further contact with Citi Bank. XXXX took the monthly payment out of my account each month and distributed to Citibank, Exhibit A of the XXXX documents. The debt was to be paid off in XX/XX/XXXX. Copies of these documents are attached. Exhibit B of the file " XXXX Documents '' is a copy of my XX/XX/XXXX statement of account which show the balance owed Citibank : {$3000.00}. 

In XX/XX/XXXX, I called XXXX to say that the payment would be late. My husband turned XXXX and his retirement was reduced by the amount he received in social security. 
At that point, XXXX from XXXX said he would get back to me. As far as I know, all monthly payments had been made to XXXX at that time. XXXX called me back and told me that Citibank had kicked me out of the program and that I owed them {$16000.00}!!! I had no notification about being kicked out of the program and XXXX didn't know either.He said I need to get in touch with Citibank. I made numerous phone calls to Citibank asking for breakdowns on my account. All I received are the attached statements, nothing for XXXX-XXXX. I was also told by the Citibank representative that I could not look at my account on line because I " was kicked out of the program '' I processed an XXXX spreadsheet from the statements they sent me and estimated XXXX and XXXX since I wasn't receiving copies of XXXX and XXXX. I have attached a copy of that spreadsheet showing I have paid Citibank ATLEAST {$28000.00}, {$14000.00} of that is interest! It's hard to remember back 4 years but it looks like I missed a payment in XXXX of XXXX. There was a double payment in XXXX of XXXX. Instead of just the late payment, they raised the interest again to 29.99 %! I don't believe any payments were missed in XXXX & XXXX but there's no way for me to know since they won't send copies.There are also charges of {$970.00} on the worksheet ( XXXX deferrent transaction ) and I have no idea what they are for! 

I would also like to know, of the {$31000.00} owed to Citibank in XXXX of XXXX, how much of that was interest. I'm sure most of it because I was pretty desperate when I reached out to XXXX. 

I think these charges are grossly unfair. I reached out to an attorney and he said I should go to the Attorney Generals Office. He costs to fight this would be very expensive also.When I finally reached them, they said I should contact you all. 

I am also filing a separate claim to XXXX. They have been unwilling to send me the month breakdown of my payments also. What they have sent me is also in the XXXX documents because they are receiving that file also. 

I know that is a lot to put on paper and I hope I've captured everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

For four-five months in XXXX, M & T reported two-year-old ( XXXX ), less than 90-day, non-charge-off delinquencies that have affected my credit rating. According to law, unless these were charge-offs, they should be removed. Even though the payments cited doubled in amounts and the time-frame included the time I requested a forebearance, each monthly payment was paid in two installments within 30 days. This is evidenced by greater amounts paid than requested in some months because of how they reported the payments. 

The payments were recorded incorrectly as delinquent when they were paid within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I was a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX  Date of Inquiry : XXXX XXXX  XXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXXXXXX XXXX  Date of Inquiry : XXXX XXXXXXXX XXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and sold on the dark web. My information also was discovered to been caught up in the XXXX breach. Now there's unknown and unauthorized accounts reporting falsely on my credit files. I now hereby demand the immediate removal of these hinderous accounts. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX  5. XXXX XXXX
Product: Debt collection

Caller is identified by 'XXXX. XXXX ' as XXXX XXXX. They have been calling me for months, several times a day. Never leave a message, when I answer, they hang up. Have no idea why they call me since I have no debts and haven't for over 10 years. Apparently, according to XXXX . XXXX complaints submitted, they do this to numerous other people who also have no idea why they are targeted. They always call from a different number, usually from XXXX florida, but not always. Calls are really a nuisance. Please help!!
Product: Checking or savings account

I have had to call USAA every single time i have a transfer or deposit made to my account to make them " refresh my account '' ( their words ) in order to access my funds. I live paycheck to paycheck, i can not spend 20 minutes on hold waiting to speak to someone to request my account be refreshed when Im trying to use MY money. This is ABSURD. I have spoken to them about this multiple times and have been told both times that I MUST call in to have it refreshed. This practice has never existed until this year. I can not remain banking with them if this is not resolved. It feels like punishment for being poor or something. I have banked with them for over a decade, this is what loyalty gets me?? Why did this become a practice? And how is this even possible??? Any company can withdraw funds from my account instantly, but ai have to call my own XXXX bank to get access to my own money??? It shows my deposits in the transaction history but will not show it in my current balance or available balance. In the past, all of my deposits and transfers have gone through immediately and i have had immediate access. But that isn't happening anymore. This is UNACCEPTABLE.
Product: Checking or savings account

On XX/XX/2018, my checking account with Simple bank was fraudulently debited {$1500.00}. I immediately called to report the transaction. In doing so I learned that Simple does not have a way for you to directly dispute items such as this. Instead, I was directed to contact them via email. I followed their directive, but have been unable to get a response from them. On Sunday, XX/XX/18, I was able to reach them by phone and spoke to a representative named XXXX. XXXX advised me to call the merchant to directly dispute as it would be faster. I did that ; however, they were unable to assist and referred me back to the bank. To date, I have not received a provisional credit while the investigation is in progress. I feel it unfair to me, the consumer, to have funds in limbo while waiting to hear by from a bank that has been unresponsive. 

In the interim, I have read numerous online reviews and this, too, has happened to other consumers. I feel it is my right and responsibility to report such instances like this to protect others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXXXXXX XXXX  XXXX Account number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Product: Debt collection

HOLLOWAY CREDIT XXXX CALLS REPEATEDLY ALL DAY EVERY DAY HARASSING ME ABOUT A MEDICAL DEBT IT IS NOW SHOWING ON MY CREDIT REPORT AS DEROGATORY
Product: Checking or savings account

I submitted a request to transfer {$16000.00} on XX/XX/2023 from my XXXX by Goldman Sachs high yield savings account and the transfer was rejected. I currently live in Florida and am in the process of closing my old checking account ( XXXX XXXX ) and opening a new checking account ( XXXX ) so that I have access to a brick and mortar physical bank. I funded my XXXX XXXX with a majority of funds from XXXX XXXX and some from my new XXXX checking, so both are linked accounts. I requested a transfer to XXXXXXXX XXXX  and XXXX said my new XXXX checking account had not been linked long enough and they rejected the transfer. I am in the process of closing on a real estate transaction and will now miss my closing date. XXXX will only allow me to transfer to my old XXXX checking account that I am in the process of closing. Had I already closed my XXXX checking, then I would have zero access to any of my money in the XXXX XXXX until a certain amount of time has gone by ( 3 months is that I was told by one rep ). How can a bank not allow me to access my own hard earned money?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}