23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Applied with Chase Bank for VA Loan. Process was very difficult, Chase raised numerous roadblocks blaming VA underwriters causing me to miss first closing date costing me {$500.00} dollars travel costs. They abruptly dropped all roadblocks and we were able to close. They explained it was because they lacked experience in VA Loans. 

The more concerning issue is that after loan closed and we were in the house I got alert of a {$2000.00} payment on my principal. I called to inquire they sent a letter that they had messed up the closing doc and this was money i was owed but they didn't clarify further. 

Then last week I received a deposit of {$490.00} against my principal. This time when i called they stonewalled me, customer support would only state that they received a check from a branch. XXXX explanation why this " branch would so gift me. Kept me on hold for long time but eventually refused to offer any explanation raising concerns that they really messed up my closing and don't want to disclose how. 

Please reach out on my behalf since they wont speak to me.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, This inquiry is unauthorized. Please DELETE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) : Account number : XXXX, This inquiry is unauthorized Please DELETE!
Product: Payday loan, title loan, or personal loan

I spoke to an agent XX/XX/XXXX to resolve collection account. I agreed to pay {$3900.00} in order to remove the trade line since this was the only account damaging my credit worthiness. My account was never updated until recently after a dispute but it only updated reflecting paid less than owed amount. The settlement agreement was to remove the trade line. I have a recording of the conversation on XX/XX/XXXX and want for them to pull that call and honor the agreement as and act of good faith.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and am disputing an unauthorized hard inquiry on my Experian credit report. The following inquiry was not authorized by me and resulted from identity theft : XXXX XXXX XXXX XXXX I request this inquiry be removed immediately as it is the result of fraudulent activity. I have attached proof of identity, proof of residence, and an identity theft affidavit to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen there was hard inquiries on account there is open accounts I have they were on there then the next month they took it off its a good account in good standings and still being paid on contacted by phone letters and email and called they did nothing they said there is nothing I nore the CFPB can do about it. all my letters returned all complaints automated response to the CFPB. they refuse to fix hard inquiries when the contact information for contacting the company 's go to a company that is not the reporting company the reporting agency refuse to fix the problem, They give companies I have aplyed for credit 3 different credit scores they got from Experian ranging from 508 to 641 so they have been giving fraud information to FICO as well. I cant have below a 600 with no bad credit and great pay history reported like 4 XXXX XXXX records reported over 2 months 3 poaid off now gone and XXXX XXXX was removed was there but now gone as good credit on all of them. 
Then 3 XXXX XXXX good reports have been removed that I have only had good reports with XXXX, over the lat 3 months and now is gone some one in  the Experian has been messing with my report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 8058 ( 15 U.S.C. 1681c-2 ) that you, XXXX, Experian and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent Inaccurate, and false information consists of a personal credit cards account opened at XXXX XXXX in XX/XX/XXXX under the account number, also XXXX XXXX in XX/XX/XXXX under the account number and another XXXX XXXX in XX/XX/XXXX under the account number XXXX  account was also a business line of credit opened from XXXX XXXX  ( XXXX XXXX ) XX/XX/XXXX also a XXXX  XXXX XXXX credit card was opened up on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent aacounts. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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Dear Customer Advocate Services Team, I received your recent letter, Ive calling this number for the past of one month XXXX and my problem have never been resolved. I want to emphasize the seriousness of the situation. I received the XXXX XXXX XXXX XXXX ending in XXXX, but I have never used it. Someone is using this card for purchases without my knowledge or consent, and I have no access to the card details or an online account to check transactions. 

I have been made aware that this unauthorized activity is negatively impacting my credit report. This is unacceptable, and I demand immediate action to rectify the situation : Deactivate the Card : Block all transactions on the card ending in XXXX immediately to prevent further unauthorized charges. 
Conduct a Fraud Investigation : I expect a thorough and swift investigation into the unauthorized activity on this card, as I have no information about the transactions. 
Resolve Credit Report Issues : Work with the credit bureaus ( TransUnion, XXXX, and XXXX ) to promptly remove any inaccurate information related to this account. 
I am deeply disappointed with the handling of this matter so far, and I insist on a swift resolution. Please take these actions urgently to protect my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 all three major credit bureaus are showing a credit inquiry from a creditor I did not authorize, Ive contacted the company JPMCB and they directed me to your agency. I believe im a victim of identity theft. all three bureaus, ie XXXX, XXXX, XXXX also told me to contact your agency about this Fraud inquiry
Product: Checking or savings account

XXXX WITH DISCOVER BANK FRAUD DEPARTMENT MADE THE DECISION TO CLOSE MY ACCOUNT. I WAS GIVEN A CHECK IN THE AMOUNT OF {$500.00} AND IT WAS RETURNED UNPAID. THE BANK CLOSED MY ACCOUNT FOR THAT REASON AND WILL NOT EXPLAIN TO ME WHY! THIS IS NOT ACCEPTABLE! WHY CAN BANKS JUST DECIDE TO CLOSE ACCOUNTS AND NOT EXPLAIN WHY??
Product: Credit card or prepaid card

I was shopping online on the XXXX/XXXX  website for exercise equipment. In the process, the website stated credit terms and invited me to see what limit I would qualify at. I filled in the requested data and an amount was listed. I selected an item and placed the order. About two days later, I received a letter from TD Bank that my credit was denied. I immediately contacted XXXX and canceled the order due to the credit denial letter. The product was never delivered. I then began receiving statements from TD Bank that I owed them over {$500.00}. I explained to TD Bank what happened and sent them a copy of the denial letter. They continued to bill me even though I never purchased anything. When I contacted them they continually denied my requests for a review and threatened to contact my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent in complaints to CFPB about the  XXXX  credit bureaus. I submitted proof of identity theft and what items should be blocked on my credit reports.   XXXX   took care of the situation immediately. However,  XXXX  and Experian has not. According to the law the items identified as products of identity theft were supposed to be blocked within 4 days. Instead, these companies are going through the normal dispute process and taking 30 days to do so.
Product: Vehicle loan or lease

Loan was paid off 6 years ago. I am trading the vehicle in for a new car and when I went to the DMV to get a duplicate title I was informed that there was still a lien on the title. We don't recall ever getting a title. I called TD Bank on Monday and explained that we needed the lien release and that this was a very urgent matter as I was not going to have a vehicle to drive until I was able to get the title. I was told that the request was expedited and should take 1-2 days to get the release. When I called to check the status I was told that the release was faxed to my # as well as the DMV 's fax #. I had not received in my box but went to the DMV to check with them ( we can not contact the local branches in SC ). They had not received the fax. I called TD Bank back and was then informed that my request had just been reviewed ( 3 days after I called to file the request ) and it was take an additional 1-2 business days and the release had not been faxed. I called back on Thursday trying to get somewhere with getting the release and was told again that the fax had been sent to both # s that afternoon. I still had not received in my box but on Friday morning I went to the DMV again and they still did not have the fax. Called TD Bank again and was told that it was sent. I explained to them they must have some problem on their end because out of two fax # s neither are receiving the document. I finally received the lien release Friday at XXXX and took to the DMV to only now be informed when they tried to release the lien that it was electronic and TD Bank had never released the title. TD Bank must electronically release the lien so that the title will be printed. Why was my account not researched at the time that I put in my original lien release request and the lien released? Why was this not done 6 years ago when the vehicle was paid off? This has caused me to miss time at work with having made 4 separate trips to the DMV and hardship that was unnecessary if the lien had been released when the loan was paid off. I will now have to wait for another unknown amount of time to be able to get a drivable car since I can not provide a clean title. Expediting any request does not work as it took just as long as a normal request.
Product: Debt collection

This is regarding the account : NATIONAL CREDIT ADJUSTERS , LLC XXXX XXXX XXXX XXXX, XXXX, KS XXXX AMOUNT ( S ) : {$1500.00} ORIGINAL CREDITOR : XXXX XXXX  ORIGINAL DATE OPEN : XX/XX/2016 This is the third attempt requesting verification and documentation of the alleged debt. This account in violation 15 US CODE 1692g. Ive requested that you provide to me verification of this alleged debt. VERIFICATION CONSISTS OF A FORMAL DECLARATION. WHERE YOU SWEAR TO TELL THE TRUTHS OF THE STATEMENTS OF THE FACT OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond-ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, regarding original documents, showing that I have ( or ever had ) some contractual obligation to pay NATIONAL CREDIT ADJUSTERS , LLC.
Product: Mortgage

My mortgage was in forbearance until XXXX, XXXX. I made my first full payment at my local BB & T branch bank to make sure it got to them in plenty of time. I made my next payment in XXXX and XXXX for XXXX. When I received my XXXX statement, my full payment was not reflected. I have made over 40 phone calls and spent hours on hold. Ive been transferred to many different people, disconnected numerous times, and forced to listen to loud, nerve grating music. In the beginning of this nightmare, I was told BB & Ts computer just hadnt caught up with the surge in payments coming out of forbearance and not to worry. More calls revealed every person had a different answer and my credit is being harmed. I have recorded calls to verify. As of late, BB & T stated the XXXX payment did not in fact, pay, the XXXX payment. Instead they paid the XXXX, XXXX payment in forbearance. My XXXX payment was split and part went to paying forbearance, {$400.00} went into a suspense account. My XXXX payment was applied to XXXX, XXXX to XXXX and now I owe again for XXXX and XXXX with a suspense credit of {$400.00}. BB & T, now Truist, refuses to make me current and continue to argue with me. I had no idea they had misappropriated my funds. I need your help in getting this resolved. I have also reported them to XXXX. The reviews of this horrible bank reflect many people having this problem. I feel they are doing this in the hope of stealing peoples homes and forcing us into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a closed XXXX XXXXXXXX XXXX account for late payments as well as dropped credit score XXXX point in less thank 30 days ... also reported amount was {$500.00} and then {$200.00} I called XX/XX/2022 they corrected it by XX/XX/2022 then reported the same information causing credit score to drop I disputed twice XX/XX/2022 and XX/XX/2022 asking to remove late payment due to accout being paid in full and not being late information reported was false
Product: Credit card or prepaid card

My Amex Serve account was suspended for no reason after receiving 2 deposits via unemployment benefits from my state. I called and they gave me no reason. I am not able to access my account or funds on my account. I have had this account for over 4 years and have never had any issues. My account received one deposit for XXXX then another for XXXX. Then my account locked and I received an email stating my account was suspended. Called several times and spoke to 2 different ppl and they would not help. I want my money off my account and to no longer do business with them.
Product: Debt collection

I tried to contact the XXXX XXXX XXXX  and the collection agents, but they never correspond. They keep saying you have some amount you have to pay it and thats the problem. I never never get their card. I never used them. I never opened their account and I dont know why they keep saying that
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX  that there was a hard inquiry on my credit, but I do not recognize the company running the hard inquiry ( citizens bank ) or know why they would perform a hard inquiry on my credit without my consent ( nothing in my life currently would require a hard inquiry ). I believe this might be a fraud situation, which is why I'm filing a complaint.
Product: Credit reporting or other personal consumer reports

I have repeatedly sent disputes to TransUnion, XXXX, and XXXX regarding the inaccurate information on my credit report. Despite clearly outlining the violations they are perpetrating against my consumer report, they have callously ignored my pleas for rectification. It has now been well over 30 days, and their deafening silence is not only unprofessional but also a blatant violation of my rights under the Fair Credit Reporting Act. Attached are copies of all the letters I have sent, meticulously detailing the discrepancies. It is utterly unacceptable that these agencies have chosen to neglect their duty to ensure the accuracy of my credit information, and I demand immediate action to rectify this egregious oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a XXXX, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name. XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX  XXXX {$10000.00}
Product: Mortgage

I closed our refinance with XXXX on XX/XX/2020. I checked on the status of the escrow balance with Statebridge LLC on XX/XX/2020 and noticed that it still reflected a credit balance. I called them at XXXX Central time and was informed that the loan was not paid off until XX/XX/2020 and they will send the refund within 30 days. Today, on XX/XX/2020, I again checked on the status and it still reflects a credit balance, but the account is inactive. Escrow : {$430.00} and Unpaid balance of ( {$200.00} ).
Product: Checking or savings account

Pnc will not let me connect to a third party lending app ( XXXX )
Product: Mortgage

Since my mother passed XX/XX/XXXX, I have been in communication with the bank and their attorney. I was first told I needed to be identified ( registered ) as heir through heirship affidavit by a state agency. The bank attorney agreed and told me to call bank to verify. The bank agreed placed the account in forbearance, when I called back to say I was working to obtain that. The bank said that was not what I needed. They would not communicate with me for approximately 6 -9 months, until they filed to foreclose again. I got the heirship affidavit and that was exactly what was needed to be the confirmed the Successor In Interest. Since then to now, I have had to turn in documents and resubmit documents they have received and I call every other day for them to reach a decision while they are telling me to try to find other resources through the state ( TX ) while they send me emails repeatedly on the same days of a video of out of state I can not apply for and more recently a Texas resource I have called numerous times and been told will not help me due to the bank not making a decision as it is my mother 's debt not my own. XXXX XXXX amount owed was {$9300.00} XXXX XXXX amount owed is {$37000.00}. 
First they rejected my application due to me not being my mother even having the death certificate on file, then they said I didn't require an application due to it being an FHA loan, only to later say since I turned in an application as I was requested they needed a tax form, only sign the middle of the form and check a box, which they rejected the day after I called in to confirm they received it as not having my SSN on it. Last week they said I needed to resend 3 pay stubs. One of which they had as 3 of my last pay stubs submitted. I have been fully transparent with the bank for what my earnings in and have shown more income than my mother earned at purchase. 
The original purchase was less than the full accelerated amount due {$180000.00}
Product: Credit reporting or other personal consumer reports

Im fed up with the constant inaccuracies that keep showing up on my report. Every error is costing melowering my score, damaging my credibility, and keeping me from financial options Ive worked hard to earn. Its beyond frustrating to feel powerless while my future is being undermined by incorrect information.
Product: Credit reporting

USAA XXXX account still reflects XXXX late payments and XXXX unauthorized hard inquiry 's. This was said to be removed from my report. Nothing I seem to do will remedy the impact this still holds for my still developing credit history.
Product: Credit card

In XXXX of this year I purchased tickets for a show. I late discovered I could not go. I contacted the vendor requesting a refund. I received no answer. I then contacted citi and requested they dispute the charges. The show was subsequently cancelled. I provided this information to citi. Yet they still sided with the vendor. I paid for a show I did not attend. This is unfair and deceptive.
Product: Debt collection

I do not have any account nor have I ever done business with Midland Credit Management. I have asked that they stop calling me over 30days ago and asked for proof of a contract or a purchase agreement which they were not able to provide XXXXXXXX XXXX XXXX. I have written to XXXX XXXX XXXX XXXX XXXX disputing the above collection 's name and that tradeline. My credit file was recently breached from XXXX XXXX XXXX  and I am reviewing my file and addressing the inaccurate information that I am seeing. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX. I ask for your assistance since I have not been able to have this information corrected though my contact with the credit bureaus. 

Thank you XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This company did not send me a 1099c form before placing this negative entry on my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, There was an account that was reinserted. I sent a letter to Experian on XX/XX/2023 and asked them to investigate this but they still haven't fixed this problem I dont know what else to do. Can you look into this matter.

Under Section 15 USC 16811 ( 5 ) ( B ), if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate The account is not complete and accurate.

But the account is not accurate. Look at the attachments below