23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

Citi card did not refund me the negative balance of my card. Originally they said refunds will take 3-5 business days, that did not happen, and then after taking with customer support after a week and no refund showing up, customer support refused to provide explanation and said keep waiting, with no timeline given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with US Bank and they have a late reporting on my credit report. US Bank charged me for overdraft protection that I never signed up for.
Product: Mortgage

Start refinance in XX/XX/XXXX. Submitted all proper documentation to lender to start refinancing. Always submitted updated documents on time. I was assigned three different processors since the start of the refinance until present day, XX/XX/XXXX. Never received updates on refinance or notification that my loan a refinance was being handled by a different processor. It was only discovered after numerous phone calls and emailing her escalation department regarding the matter. 

I notified loan officer my my concern at the rate lock expiration date. I was promised of a rate lock extension if the loan did not close in time. Now rates have gone up and no longer qualify for the original rate that was locked in XX/XX/XXXX. 

Now Im getting closing disclosures with different figures from the original closing costs from XX/XX/XXXX. They are being deceitful and theyre closing disclosures regarding the cost and attempting to charge me buydown fees for the rates. 

I have kept all documentation and emails sense initiating a refinance process.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw that I have multiple delinquent accounts on my Experian credit file that do not belong to me. I reached out to the creditor and immediately had these accounts closed. I recently sent Experian an FTC report with an Affidavit stating I never authorized these accounts and they do not belong to me. I am also uploading the documents here on the CFPB website.
Product: Credit card

On XX/XX/scrub> 2024, a purchase was made from the website XXXX for {$140.00} using my Citi Bank credit card. The purchase was for 10 womens vintageXX/XX/XXXX bags. The bags arrived in horrible condition, all peeling and smelling like chemicals. The bags were listed as Grade C with no explanation to what a Grade C was, and only a zoomed out video showcasing the bags with no way of seeing the amount of damage shown. I filed a chargeback with Citi Bank, who closed the dispute in XXXX favor without requesting any proof from me whatsoever. 
Citi Bank reversed my credit and wants me to return the items, which XX/XX/XXXX XXXX initially had denied my attempt for a return in XXXX. When I requested XXXX allow me to return the items once again, XXXX cited that I must abide by XX/XX/XXXX return policy, but I did not use XXXX for my purchase. I used Citi Bank. XXXX only policy on returns states that they will cover the shipping cost for damaged items, however when I reached out to XXXX they told me they would not cover shipping. Shipping costs no less than {$100.00}, which would be more than half of the cost of the refund. Why should I pay {$100.00} out of pocket for extremely damaged goods?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found a delinquent account for the company below : Capital One XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my paid in full statement. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation items not mine lower my score in results i could not get what really i deserved in rates scores and other stuff please look at this inquires are not mine XXXX XXXX is not mine XXXX breach has cost me big time and they wont let me look at my credit XXXX XXXX XXXX/CHARGEOFFOther {$76.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$76.00} Account Details Bureau Name XXXX XXXX Account Number XXXX Account Type Utility company Responsibility Individual Credit Limit {$0.00} Highest Balance {$0.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$76.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX inquires not mine XXXX, XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In  XXXX  of  XXXX , we set up auto-pay for our mortgage payments. On  XXXX   XXXX ,  XXXX , we received a notice that we were behind on our mortgage {$880.00}. After calling to inquire how that was possible, the CSrep informed us that there was no auto-pay set up and that this was the amount due. I still did n't get a true understanding regarding how we owed {$880.00} already. However, against my better judgement, I sent a check for the amount they claimed was past and the next month 's mortgage payment that was due, which would total approximately {$1300.00}. To my surprise, on  XXXX   XXXX , I received a check fro m Nationstar for {$32 0.00}, with no explanation about where these funds originated from.   I inquired about that and they said it was for a partial payment that was received, I 'm not sure when, and they did n't say when, and I asked the CSrep why it could n't be applied to the balance that was due, since it was already in their possession, and they responded that the balance had to be paid in full. At this point I 'm so confused. I do n't understand why, if a customer owed you, you would send them a refund. From here it does n't get any better. On  XXXX   XXXX , the check for {$1300.00} was returned with the claim that I now owed {$2700.00}, which would equ als 5.5 mort gage payments and here it was only  XXXX . Still, I got no clarification, no answers when I called. So I sent payment of {$2700.00}, as they claimed that I owed, and guess what? This payment was returned as well, I do n't remember the exact date, but it was the middle of  XXXX , and now the amount had now risen to approximately {$3100.00}. I called immediately and spoke to CSrep who I asked to give me an explanation and a true, static amount with a solid deadline to pay. He informed me that the {$3100.00} was due before  XXXX   XXXX  and I promised that it would be by the end of the next week. In my mind, all is well, until I get yet another letter with the same statement, and the  XXXX  returned monies. This letter was received on Saturday,  XXXX   XXXX , and when I call them this time, they inform me that the account was never brought current ( this was totally NOT my fault ) and that the house was sold on Tuesday,  XXXX   XXXX . The most interesting & heartbreaking thing is that the date that the funds were rejected, were after the house was foreclosed. No one called and said, we 're not accepting the payment, this is what you need to do, nothing. And I 'd included a note with the payment for someone to call me, with a phone number if there were any problems. Now I 'm losing sleep, feels like I 'm losing myself with everything I 've been through. I just want my house and I have been trying to pay what was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters previously to the 3 credit bureaus in regards to the false reporting and fraud accounts that are posting on my credit report and I have tried to speak with these reporting agencies, over the phone as well as via Mail. And I have not yet received an update on investigation from either. The following accounts need to be investigated and removed from my credit report XXXX : # XXXX : FRAUD / ID THEFT XXXX XXXX : # XXXX : FRAUD / ID THEFT XXXX XXXX : FRAUD XXXX XXXX XXXX XXXX : # XXXX Incorrect Reporting VALIDATE DEBT XXXX : # XXXX FRAUD : ID THEFT XXXX : # XXXX : FRAUD : ID THEFT XXXX XXXX : # XXXX : FRAUD : IDTHEFT XXXX XXXX : XXXX : FRAUD : IDTHEFT : NEVER HAD ACC
Product: Checking or savings account

Early in XXXX have a XXXX 's guy trying to talk to me over on XXXX, he ask me on the messenger, he said he going to help with his charity in XXXX he said i should go with him and i said i can not go i need to work and take care my kids in school and after couple days he came back to ask me again why i don't love my XXXX 's people and i said i will do later, i ca not be able to do it right now, and after couple of days he asked me again, and i said i don't know how to do it, and he walks me through the online create an account with XXXX  and XXXX  account, i have to deposits 4 times into account totals is {$6000.00} after that i felt i lost money, i called FBI for help.
Product: Mortgage

We were enrolled in the HAMP program and Mr. Cooper is the debt service. We were hit hard by Irma, evacuated and suffered damage to our roof, it's still there but is leaking and falling apart. We were dined by our insurance company, which is forced upon us and we can't get out of it due to previous storm damage but THAT's a whole other story, now since we took Mr. Coopers disaster help they are saying that we have been disqualified from the HAMP program due to late payments. They say the know full and well that we are NOT late but are saying we ARE because we took the 6 month forbearance program that was offered to us. In short they just pocketed the XXXX in principle deductions we were promised as a reward of timely payments, ya see what's going on here.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX was the original creditor. I took out a personal loan and used my title as collateral so secure the loan. I defaulted on the loan. XXXX XXXX XXXX sold my debt to Jefferson Capital, LLC. United States Code 18 Section 8 states that ALL BILLS ARE PAID! Federal Reserve Act 16 Section 1 and 2 tells you the application is the security collateral. I was duped from the start. I am demanding presentment to get my title because I am the registered owner. My loan was paid in full once XXXX XXXX XXXX sold the debt to Jefferson Capital, LLC therefore I am expressing my power and duty over my property ( my title ) and want them to admit their breach under the FOIA ( Freedom Of Information Act ). I am demanding Jefferson Capital, LLC and XXXX XXXX XXXX to provide me of all records of lien or perfected security interest in my title.
Product: Checking or savings account

In XX/XX/2021 I advised the BBVA bank rep that I wanted to close my account. I had opened an account at another bank. 

At the time i had approximately XXXX left in the account and i told them they could have the money. The rep said that the account could not be closed until I withdrew the pending amount XXXX. Once the account was XXXX  'd it would then be closed. He 100 % assured me that my account would have a notation about my conversation and desire to close the account. But the account never closed and apparently fee 's were being added to a XXXX  ' account by the bank, making the balance from XXXX  to a negative. Further, I continued getting a variety of emails from this horrible bank. So i filed a complaint with the XXXX. But nothing resulted from it. 


Today, at XXXX centralI called ph # XXXX and the service rep was highly argumentative. It reminded me of the old days when unscrupulous credit companies and bill collectors were arguementative, threatening and it was there way or no way. 

The bbva woman also began lying to me, citing that my account was credited for XXXX and 100 % refused to acknowledge that my account was XXXX  'd out and there was a debit made for the approx XXXX. 


I told her that i knew nothing about any credits that she claims the last service rep entered into my account. Why would the last service rep i spoke to that knew i had XXXX left in my account and knew i wanted the account closed, give me some kind of credit? 

She continued to argue with me like a child and 100 % refused to close my account. I told her i would be filing this complaint and hung up on her as she was relentlessly yapping and refusing to give me opportunity to argue back. 


What kind of customer service is this? Why lie about giving me a courtesy credit when I had direct deposit with no service fee 's? Why give me a credit, when the took their monthly service fee 's from my account after I transferred my direct deposit? I didnt argue or compliant about those fee 's they took out of my account. 

I've done my due diligence with getting the account closed by spending time speaking to agents. There monthly fee 's were paid without argument during the final months that my direct deposit was going to a different bank. I XXXX  'd the account. And all i get back for my due-diligence is XXXX. from this bank and old fashion criminality involving my money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a new credit item on my credit report in early XX/XX/2023. Someone used my information to open an account fraudulently with XXXX XXXX XXXX for a {$720.00} secured loan. I filed a dispute with TransUnion XX/XX/2023, and when the results found the info on my report to be valid, I filed again XX/XX/2023. Same results. I contacted XXXX by phone XX/XX/2023 with instructions to text them for an email to send my issue to. Email sent. Called back XX/XX/2023 after no response and spoke with a gentleman who verbally confirmed I was not the individual that opened the account ( I have a video recording of this call ). Told me to email them again with a copy of my FTC fraud claim report, I did. No response. Emailed again today XX/XX/2023 noting I opened a XXXX complaint after no responses. I discovered today a XXXX phone number and address were added to my credit report the same week the fraud account was opened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX, XXXX, Transunion didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Product: Bank account or service

I received a new debit XXXX through Key Bank. I scrambled trying to remember all the accounts attached to it for my monthly bills. My water bill was delinquent and I had to submit the new account number for that. There were recurring charges for services that I did not want continued. Imagine my SHOCK when those merchants were able to obtain my new credit card information when I did not authorize them to. This should be illegal. It is not a service to consumers ; it is strictly a profit for the XXXX and the retailer. The only option XXXX was willing to do was to reissue me another card - which was not acceptable to me since I had just updated everyone I wanted updated with my new information less than a month ago. There was no " opt out '' of having new card information provided by an " updater '' program.
Product: Credit reporting or other personal consumer reports

During a dispute the company responded that the XXXX XXXX account was not listed on my Equifax credit report. After checking my XXXX XXXX the account is still listed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

C & F Mortgage Corporation and/or XXXX XXXX XXXX XXXX  XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) XXXX and XXXX as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximatelyXX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXXthe officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXXXX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX XXXX 's hereby certify by Champion Member, XXXX XXXX XXXX XXXX XXXX ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 )  The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX XXXX 's. Therefore, the XXXX XXXX XXXX XXXX XXXX 's hereby declare that C & F Mortgage Corporation and XXXX XXXX XXXX XXXX XXXX XXXX Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( XXXX ) The XXXX XXXX XXXX XXXX XXXX 's were not provided access to copies of the consent order entered by the Court in the United States v. C  & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, XXXX and XXXX  and/or XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports