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

XXXX reported to the credit bureau transunion that I did not make an XXXX payment. On their client portal website and in my bank you can see clearly the 2 payments via ACH debit that XXXX charged. I contacted transunion and was informed that I needed to contact the creditor so they can stop reporting misinformation. When I contacted XXXX  the representative refused to help me and said she doesnt do anything with credit. I asked to speak to a supervisor and was told she would send an email and will not be able to get on the line. I tried asking her to please transfer me to a supervisor but before I could finish my sentence She placed me on hold and then came on and said her supervisor XXXX said to email because she couldnt help me & theres no one I can be transferred to.
Product: Checking or savings account

Incorrectly charged overdraft fees on debit and ATM withdrawals,
Product: Mortgage

Last week ( XX/XX/2018 ) I began the process of Refinancing my mortgage to decrease my monthly payment. The Mortgage Loan Officer " XXXX XXXX '' sent me an initial loan estimate where the loan amount is {$170000.00}, I only owe {$160000.00} on my Condo. I asked the loan officer, why do they do this, " up the loan amount '', she couldn't give me an answer. I requested that she tell me where the " {$1300.00} '' difference go? Or could she provided me with those line items in the loan estimate that would total " {$1300.00} '', no response. 
I asked her for the Truth in Lending Disclosure Document and she said they don't provide this document anymore and I requested a notice explaining my rights, no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND MY SOCIAL SECURITY CARD TO THIS COMPLAINT. 
THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX  ACCT # XXXX PLEASE SEE ATTACH ALL NECESSARY DOCUMENTATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am 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 Balance : {$4600.00} XXXX CO XXXX Balance : {$16000.00}
Product: Credit card or prepaid card

Hello, I took out the HSBC Cash Rewards Mastercard early XX/XX/2018. I was given a promotion offer - spend {$500.00} within the first 90 days, received {$150.00} cash back. I made a purchase of {$890.00} on XX/XX/18. I've been given conflicting information by HSBC reps, stating that either 1 ) I didn't receive the promotional offer/need to spend {$2000.00}, or 2 ) the bonus will post after 90+ days. 

I am not sure which is correct. I want someone to take a look and provide me reassurance that my promotional offer was captured correctly. 

The promotional offer code was XXXX. Original app ID was XXXX.
Product: Credit reporting or other personal consumer reports

Charge offs are considered income and should not be reported on my credit report according to 15 USC 1681 ( 2 ) and the IRS publication 4681 and Tax Topic 431. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income.
Product: Checking or savings account

I did some car detailing for a guy and you pay me back in checks I put it in my account later on Chase said it was a fake check so put it on hold to do further investigation so I had to wait a week. Its a week now and I still have to wait additional two weeks. They said Ive gotten three paychecks for my job and Ive not been able to assess one of them now Im starving XXXX XXXX while having over {$2000.00} in my bank account Ive called in in person just refuse to give me my money and make excuses. Starvation chase bank is reliable for XXXX XXXXXXXX  and needs to be sued for it
Product: Credit card or prepaid card

On XXXX i received an alert from XXXX. That i applied for XXXX separate credit cards. 
XXXXCb Indigo, address is XXXX XXXX XXXX XXXX, XXXX Phone is XXXX And 2.Feb/ Destiny, address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone is XXXX I called the number and found out that this call center manages both card company and I was able to file a dispute and was able cancel both cards that was approved today. I requested them to investigate and take my information of credit bureaus inquiries. They said I have to file a complaint CFPB so they can proceed.
Product: Student loan

I transferred my student loans from Aidvantage to XXXX, and more than 6 months after transferring my loans, my credit report still lists my loans as double the amount - every loan that I have with XXXX is still also listed as a separate loan for the same amount with Aidvantage. I have tried to contact Aidvantage, but it is impossible to get through to them via their customer service line, being on hold for over an hour is not acceptable and I need this problem corrected ASAP.
Product: Credit card or prepaid card

I am a victim of identity theft/mail fraud on XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position.
Product: Credit reporting or other personal consumer reports

I requested the documents from ( XXXX ) that shows I gave WRITTEN CONSENT to the listed creditors that has listed HARD INQUIRIES on my consumer report I also filed a CFPB REPORT PRIOR TO THIS ONE complaint # XXXX in which ( XXXX ) deliberately IGNORED MY request for the document that shows my written consent was given and ( XXXX ) deliberately IGNORED my request to show that the listed creditors gave them permissible purpose to report these hard inquiries I also demanded that XXXX remove the inquiries because the documents were NEVER PRODUCED.
Product: Mortgage

I received a letter from Citi Mortgage , Inc. On XXXX/XXXX/16 informing me that they are transferring the servicing of my loan to XXXX XXXX XXXX XXXX The effective date of transfer is XXXX/XXXX/16. 

Law requires both the old and new servicer to provide no less than 15 days notice before the effective date of transfer. As of today, XXXX/XXXX/16, I have received no notice from XXXX XXXX. Citi only gave me 13 days notice. 

Also, I was approved for a loan modification by Citi effective XXXX/XXXX/16. I have asked for a signed copy of the loan modification and for whatever reason, they will not provide it for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX / {$0.00} / XX/XX/2022
Product: Mortgage

After being rescheduled for unknown reasons, my settlement was on Friday XX/XX/XXXX at XXXX XXXX eastern time. My only disclosure was sent to me on XX/XX/XXXX. I signed all the paperwork for the settlement but was not given a copy prior or after the settlement of the updated Closing Disclosure which has changed from cash back of {$46000.00} to {$43000.00}. So I was expecting cash back of {$43000.00} but only received a deposit of {$41000.00}. 

On Saturday, XXXX I spoke with a manager XXXX XXXX. He tried to tell me that the difference was because I had delinquent taxes, which is untrue, I have no delinquent taxes due. I do have taxes due on XXXX so he told me that that was the difference they paid my taxes in advance. He could not explain why I only got cash back in the amount of {$41000.00} since my Closing Disclosure stated I would be getting {$43000.00} cash back. 
Today, XXXX I receive an updated closing disclosure stating that they paid 2 quarters of my taxes upfront and the new cash back amount was {$41000.00}. No one ever called me back to explain. I feel that I should have been told that they would be taking 6 months of taxes out upfront and not after the settlement. How is it legal for them to change the Closing Disclosure so many days after the settlment?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but heir inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and remove incorrect information from my report. By two monitoring website XXXX and XXXX XXXX I have no late payment on accounts bellow, but at the same time XXXX sent me letter with stating that I have late payments on these. 
1. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX  Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

During transition from one mortgage servicer to another, my monthly payments were being sent to the original servicer who were in turn forwarding them along to the new servicer. In XXXX of XXXX  my payment was made on time, but did not get forwarded to the new servicer until after a 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 credit report ran from XXXX XXXX XXXX in error XX/XX/18 credit report ran from XXXX XXXX XXXX in error i have contacted XXXX XXXX and various credit report agencies, transunion and XXXX and havent received any help. It has lowered my score XXXX points
Product: Debt collection

PayPal /Synchrony Bank have received the proof from XXXX XXXX  that they were paid {$770.00} years ago into their XXXX XXXX XXXX  and they continue to send inconsistent statements and they take this debt on and off my credit bureaus causing me great stress with numerous health issues. There is no end to this
Product: Credit card or prepaid card

On or about XX/XX/2018, Credit Card was hacked and used for purchase as well as a deposit from an account that did not exist. The limit that was given to me on my card was for XXXX and it has been rung up for XXXX. How is this even possible. After trying to resolve with the Credit Card company, they said I had to file a police report. all this explanation and police report has been filed and they are still charging me fees for not making payments., I refuse to pay any charges that I have not made. They continue to charge me every month as well as report to the credit bureau of my delinquent payments. Not fair if they have not done anything to try to resolve this matter. I am flagged from getting any other card, as my credit score has diminished drastically because of this.
Product: Credit reporting

A bankruptcy from XXXX XXXX XXXX keep showing on my XXXX reporting companys The problem is they should not be on my report. I sent them proff of the dismissal letter and they overlooked it. They also are still reporting another bankruptcy that was also dismissed back in XXXX it also should not be on my report. As a result of this I am not able to get the Va home loan that I need for my family. I have also been turned down for credit due to this Please get them to take the multiple credit inQuiries off credit so that I will not have a problem getting a loan. I have also asked them to take off a collection from a hospital in texas that did not file my XXXX claim and as a result they have got a collection on my credit that should not be there, I have tried to get them to remove it but I guess they refuse. All want from these people is to clear up the mistakes on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1400.00} Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account : XXXX Past Due : {$1400.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX This is a violation of the FCRA and is also in violation requisite XXXX XXXXCompliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Credit reporting or other personal consumer reports

Mr. Cooper have completely in full concealed the fraud by XXXX XXXX XXXX on their records against me. Now the truth is in the open by XXXX XXXX XXXX XXXX  under CFPB # XXXX and is fraud so to mr. Cooper and XXXX XXXX please disclose the facts to the fullest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency 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 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account. 

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are medical collections on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX gave me a letter stating they would remove unauthorized inquiry. They have not removed it. Experian has not removed it. It needs to be removed!
Product: Debt collection

In XXXX of 2020, I deployed to XXXX XXXX. I submitted a copy of my lease with the landlord XXXX  months prior to my PCS date. She agreed that my lease would not be considered broken due to that reason, and I had no past due balance when I turned in my keys to her. I received found out about a collection account with XXXX XXXX XXXX for the amount of {$5200.00} for past due rent and an eviction. I contacted the company on XXXX XXXX requesting proof of this debt as well as any contract that I have signed. I havent not heard from them. Every month, the amount increases and they still have not sent attempted to contact me.
Product: Mortgage

I previously owned a home and it was re-financed w/ a partner who had vested some capital to keep it from foreclosure. Due to economy recession I rented the property.. The partner had forcefully moved in by changing locks on a new renter. Later the loan was modified without my authorization or knowledge by the vested partner. The partner failed to make MGT payments and the home went into foreclosure. NationStar Bank would not work with my attorney towards re-modification of the MGT even though I had completed a Modification Package they sent me. NationStar failed to follow up with me or my attorney towards making the arrears current and forclosed on the property as it had significant equity. It sold the property for XXXX + Profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 i sent a letter to transition disputing information on an account named XXXXXXXX XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report it is only showing up on this report the other two reports have removed permanently off their system
Product: Credit reporting or other personal consumer reports

Thank you very much for taking my request for my credit information seriously and questioning it's accuracy with me. However, this is the third time you asked me to send in documents to confirm my identity which I did a few times already. You are in violation of my rights and I demand that you delete these accounts from my report immediately. The information you are now requesting was sent with the original dispute and you have been stalling my request. It have been well over 30 days delete these accounts now! 

Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I already have an existing loan! After receiving so many pre-approved emails, I applied on XX/XX/2024 in the morning. I was approved for a {$6600.00} unsecured loan but needed to consolidate my existing loan. I spoke with the specialist and discussed my finances, and everything was fine. All of my information is the same! My specialist was supposed to call me back, but he never did. I still have not heard from him. I was given the runaround after being told that the underwriters had cleared my documents and that I needed to wait for my specialist to finalize everything. I called back around XXXX XXXX. after not receiving a call back and spoke with a new representative. He informed me that they are requesting additional documents, such as my passport and PDF versions of my pay stubs and bank statements. When I questioned the abrupt change, I was told that they needed to confirm that it was indeed me! All of my information is the same! Because my credit had already received a hard inquiry, I resubmitted everything and took direct photos. I called on Monday and was told to wait for my agent. ( He never called ). I called again this morning and was told that they only accept " PDF format '' for my bank statement and paystub. I submitted both, and now my application has been denied! This is the worst company I have ever come across. I am not concerned about the money because I do not need it. I took out my first loan around XXXX and am already halfway through because I make multiple monthly payments. I will pay it off this month and be done with this fraudulent company. They should be reported to the credit bureau for engaging in illegal practices! My advice is to record your conversations with them because they will tell you one thing and then change it a few seconds later. I am surprised there are no class action lawsuits for predatory practices. I am still surprised that I was approved, the underwriters cleared me, and then they changed their minds. I am not a lawyer, but this is illegal, and I will pursue having my hard inquiry removed because I feel scammed. When I call, I get the direct message to wait for a letter with explanation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by XXXX/XXXX in the file maintained under my Social Security number at Experian. Upon reviewing a copy of my credit report, I see an entry listing as I have a {$760.00} charge-off onXX/XX/XXXX, which happens to be an inaccurate amount. The amount of {$820.00} was paid to XXXX/XXXX in the following installments : XX/XX/XXXX {$210.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} Experian was forwarded supporting documentation and refuses to remove the inaccurate information from my report.
Product: Checking or savings account

I had an account with both Bank of America and XXXX XXXX. My account with BankofAmerica was closed due to a false mobile deposit that I did not incur. I later realized I was HACKED of my main XXXX Account, which holds ALL of my personal pieces of information. In XXXX, I filed a police report, called XXXX major credit companies. I am still having problems with BankofAmerica for I can not open a Bank Account anywhere in my city where I receive Social Security XXXX, for over 5 years. I need to know what do I do next for I have not been receiving any responses. I have copies of each letter that was sent and received.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair pras which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure 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 Election Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconvenience and loss and I seek appropriate redress for these violations.