23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I'm reached out to cadhapp sinceXX/XX/2020, they have not resolved my situation after they said they will work with my bank & have not resolved anything
Product: Credit reporting or other personal consumer reports

RE : Dispute of Inaccurate Information on Credit Report Dear XXXX  XXXX, I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : - **Account Name** : XXXX  XXXX - **Account Number** : XXXX Under XXXX XXXX Code XXXX, also known as the Fair Credit Reporting Act ( XXXX  ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above. 

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter. 

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : XXXX. A copy of my Social Security card XXXX. A copy of my government-issued ID XXXX. Proof of address ( utility bill ) XXXX. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within XXXX days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

I requested from the creditor XXXX XXXX the information on how being reported to the credit bureaus! 
Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX XXXX All Rights Reserved
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am a Western Union customer since XXXX and always had an excellent service from them. 

Unfortunately I had a recent problem with them, because the sender, whom I've known and lived with for the last 15 years was getting an error every time he tried to send the order as DIRECT TO BANK to XXXX, either online or at physical locations. 

Whenever the sender sent orders as PICK UP IN PERSON it worked perfectly fine. 

The sender then successfully sent as Pick up in Person to XXXX. 

Due to coronavirus, all Western Union locations were closed in XXXX and for that reason I requested the sender to cancel the money order and send me by wire transfer using a bank. 

Sender went to a Western Union location and cancelled the order and received a refund. 

On the same day, I emailed Western Union corporate office to ask them if they could figure out why the sender was getting an error when trying to send a money transfer as DIRECT TO BANK in XXXX. 

To my surprise I got a response from their corporate office saying I was a ''victim of fraud '' and therefore I can no longer use Western Union services and that my case ( # XXXX ) is now closed. 

I have been a Western Union customer for over 20 years and I also work in the financial sector and I have never seen such an arbitrary decision like this. 

I personally know and lived with the sender for the last 15 years. This same sender has sent me several orders to me since XXXX without ever having a problem. 

How can this possibly be consider as someone trying to defraud me? 

And even if that was the case, why AM I been penalized with ban if I am a victim as stated on their email? 

The only ''mistake '' I did was complain about the error I was getting in their social media and sending an email to their corporate service. Its more than obvious I am been retaliated by them just for the fact I made a complaint and this is unacceptable. 

Instead of trying to find a solution or solve the problem they simply decided to ban me from using their services. 
Its clear there is a misunderstanding in all this and I hope this can be fixed in a timely manner.
Product: Bank account or service

I had a bank account closed with Bank of America in XX/XX/XXXX. There was an overdraft fee of {$110.00} that I was not aware of, I never received any info what so ever on it. But I called today to see why I could not open an account at another bank, that is how I found out that I owed and it was paid today on XX/XX/XXXX. I would like to get this cleared from the XXXX so I can open another account.
Product: Mortgage

I recently purchased a home with the intention of enjoying my retirement with my husband. Before I closed my husband passed away leaving me grieving for his loss and with half of my monthly income. I struggled to pay this mortgage for as long as I could before falling behind. The struggle has been difficult on me, I reached out to my bank in an effort to see if they would offer me any type of mortgage assistance. It was long before I found myself in foreclosure and denied for at least 3 modification requests. I finally decided to give up and sell my home- thats when I discovered that my mortgage is also upside down and had to request help with a short sale. I enlisted the help of a realtor and listed my home, I live in XXXX California and at times it takes homes a long time to sell. My bank reviewed XXXX offer on my home and countered the buyer XXXX on their offer- the buyer increased their offer XXXX but the bank denied it saying that I have a sale date approaching and that they would rather foreclose. All I want to do is avoid foreclosure and I feel like Caliber couldve of worked with us a little better and been less aggressive given my circumstances. the offer that was presented wouldve almost payed them in full and I couldve avoided having a foreclosure on my record that will follow me for at least 7 years.
Product: Mortgage

I HAVE MY HOME MORTGAGE FINANCED WITH XXXX MORTGAGE, NON ESCROW ACCOUNT. I WAS PAYING MY TAXES EVERY YEAR PLUS MY HOME INSURANCE. 4 MONTHS AGO I FOUND OUT PHH MORTGAGE BOUGHT OUT MY LOAN. MY MONTHLY PAYMNET WITH XXXX MORTGAGE WAS {$1000.00}. PHH MORTGAGE CHANGED MY PAYMENTS TO {$2200.00} AND ADDED ESCROW WITHOUT INFORMING ME EVEN THE TAXES & HOME INSURANCE BEEN PAID MY ME LAST YEAR, EVEN THIS YEAR. MY LOAN NUMBER IS XXXX. I CALLED PHH MORTGAGE SEVERAL TIMES AND BEEN TALKING TO THEM ALMOST 3 MONTHS NOW BUT NOTHING HAS BEEN FIXED. I NEED SERIOUS HELP. IF NOT FIXED I AM GON NA GO LEGAL WAY AND SUE THEM. 
ATTACHED IS THE COPY OF TAXES PAID LAST YEAR AND THIS YEAR.
Product: Credit reporting or other personal consumer reports

I made a payment to XXXX XXXX  on Friday XX/XX/year> in the amount of {$790.00}. They are reporting on my Experian and XXXX reports that I did not make the payment.
Product: Mortgage

XXXX XXXXNMLS ID # XXXX who represents Amerisave Mortgage assured me before collecting my {$500.00} that my loan was guaranteed and there would be no problem. After months of the run around I received a decline notice. No explanation, nothing, just took my {$500.00} and stopped communicating with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Department of Education/Navient. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX  XXXX  XXXX Balance Owed : {$620.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/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

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and XXXX XXXX with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/26 all three credit bureaus were sent a Federal Trade Commissions affidavit, also a picture of my ID, picture of my ssn number also a untility bill in which I was following all rules set forth with sending these to the companies to block and remove fraudulent accounts that I have stated in my Word document that I sent over also. All three of the bureaus disreguarded the law and stated that they would remove and gave me confirmation numbers stating they was going to be removed and the accounts are still negative on all my accounts. The law that in referring to is 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

They failed to remove anything from my reports today marks 15 days since I made these reports and gave notice. 




XXXX bank Account number # XXXX XXXX XXXX  Account XXXX # XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I will also attach the names of the representatives I talked to with the confirmation numbers that were given to me stating accounts would be removed 5 days later in which it wasnt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the XXXX Data Breach. I began a process of correcting issues on my credit report in XXXX of 2020. On XX/XX/2020 I filed a complaint with the CFPB to help get things corrected on my credit report. Today I am following up in hopes that we can get the remaining inaccurate items removed.
Product: Debt collection

I am writing to remove or correct the inaccurate information on my credit report. After reviewing my credit history, I've identified discrepancies related to the following accounts XXXX XXXX XXXX - Account ending in XXXX and XXXX XXXXXXXX XXXX XXXX Account ending in XXXX I believe these discrepancies are misleading and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian falsely " verified '' that my account with XXXX XXXX XXXX  has a balance. This is patently false and is perpetuating the reporting of inaccurate information on my report. I provided Experian proof, but they still " verified '' the inaccurate information, so it is clear that Experian intentionally maintained the false data. I attempted to again submit the evidence of a XXXX balance, but Experian 's systems do not allow me to upload it. See attached evidence and screen shots. XXXX XXXX insists that I contact the credit bureaus.
Product: Credit reporting

My Medical insurance information was not accurate and so they did not submit the bills to my insurance. I fixed the information and my insurance company should cover and pay for my outstanding medical bills. I gave them the information a couple of months ago and nothing has changed on my credit report. I do not owe these bills.
Product: Credit card or prepaid card

ALL i did was have a change of address and without warning or ANY type of communication from usbank, they decide to freeze my account, block my card and lock all access for me to get any money. They asked for address verification and i gave it to them, followed up, they confirmed they had everything they needed and that they would be sending out a new card for me to activate. they did but STILL locked out of my account and havent been able to access my money. Ive called and called and called and they just keep putting me through to hold for a supervisor or a certain department. MANY times ive been on hold for 3 hours just to get hung up or they tell me to send in the information AGAIN and I have at least 6-7 times already. i dont know what else to do. This has been going on now for almost 3 months
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account number XXXX, XXXX XXXX account XXXX and XXXX XXXX account XXXX has 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
Product: Vehicle loan or lease

Dear CFPB, I am writing to file a complaint regarding ongoing issues with Nissan Motor Acceptance Corporation ( NMAC ) regarding my auto loan for a XXXX XXXX XXXX XXXX. Since purchasing the car last year, I have experienced multiple issues with NMAC 's payment processing system, leading to a blocked account and immense difficulty making payments.

Initially, two payments were reversed due to issues while transitioning my banking services. As a result, NMAC restricted my account access, forcing me to use a third-party payment system, XXXX, or make payments over the phone. This has made it incredibly difficult to manage my loan payments due to frequent technical issues with XXXX and the phone system. 

As of today, XX/XX/XXXX, I have been completely unable to make a payment for the past five days, despite trying multiple payment methods. The XXXX system fails to process any of my payment options, and customer support has been unhelpful in resolving this matter. This situation has caused undue stress and confusion in managing my finances. I am seeking your assistance in resolving this issue, ensuring NMAC reinstates my account access, and facilitates a smoother payment process. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

A mortgage person at Guild Mortgage advised us that our credit was perfect, our income was perfect, all we had to do was sell our home and we 'd be set to purchase the new home. The new home was a converted school house zoned " Rural Residential ''. We 've sold our home in XXXX, was advised we 'd close in XXXX, however after we were coerced into paying {$3200.00} for a " commercial ' appraisal, which shows the value to be above asking, we were advised that underwriting did n't accept our collateral. No reasons why, no further communication, nothing. I 've called their corporate office, spoke with senior managers etc. My wife and I have been paying {$4800.00} per month to live in a hotel since XXXX XXXX, 2015. We 've received XXXX customer service from Guild. We want to be reimbursed for the {$3200.00} appraisal, and {$4800.00} x the two months we 've been living in the hotel, under the guise that everything was okay and were going to be able to purchase the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has 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 I am not liable for this debt with XXXX XXXXXXXX XXXX and do not have a contract with XXXX XXXX XXXX. They do not provide me with the originial application like I asked.
Product: Money transfer, virtual currency, or money service

Hello, my car was having issues the I purchased from XXXX in XXXX, AR in XXXX of last year, in XXXX of this year I had it towed to the actual Kia shop because I was told from XXXX XXXX XXXX, which is who XXXX uses for a shop, that my car needed a new motor. I had the car towed with my car insurance company, XXXX, since its free towing on XXXX XXXX. The car was towed to Kia dealership on XX/XX/XXXX. I didnt get a rental until XXXX because XXXX claimed they would give me a loaner vehicle & I never received one. I tried to request a loaner vehicle from Kia in XXXX, AR however I was told that they no longer have loaners because during Covid they discontinued the program but, Per XXXX the Service Dept manager, I would get full refund once I submitted what I have from enterprise to Kia. Well, its now XXXX & Kia has definitely given me the run around. First, they needed proof that my last 4 digits on XXXX invoice matched the card. I sent that in. Then they needed proof that my bank account processed the XXXX and something payment from XXXX I sent that in. Next they needed proof of the itemized bill from XXXX updated with the refund deposit submitted back to me from XXXX and something to XXXX and something, I sent that in. Next I requested that Kia escalate my issue because theyre were beginning to request plenty and nobody was telling me anything if I would get it refunded or not. I get a case manager XXXX, and now hes requested the Title or proof of purchase guess what, I sent that in even though I dont know what that would possibly prove for an XXXX  refund. Now XXXX requested the towing bill! Its too much! My car was towed to Kia on XX/XX/XXXX & because they were too busy to get to my car and behind Kia just told the tow driver to drop my car off. They did not begin working on my car until late XXXX so Kia is trying to say I dont get the full refund of my rental I receive some of it because they wont pay for the days that Kia didnt work on the car even though I had the rental when its not my fault they were behind nor is it my fault they didnt do paperwork for my vehicle when it came in on the XXXX.
Product: Credit card or prepaid card

I have a Barclays Arrival credit card ending in XXXX which was not actively used given my age of XXXX  years and not going out much in last few years. Barclays sent me a letter date XX/XX/XXXXconfirming account closure due to inactivity. I was also told they sent me another letter a month before this one notifying me that account will be closed if card is not used in next 30 days but I did not receive that letter in mail. If I had received it, I would have asked someone from my family to use my card and keep my arrival miles active. I have XXXX miles that are now expiring and can not be redeemed towards the greater value of XXXX points = XXXX for travel expenses. I called the customer service and requested to reinstate my account but was refused and was only offered XXXX points XXXX as fair redemption value for my XXXX miles giving me a maximum of {$210.00} instead of {$420.00} which I expected to use against travel redemption in future.
Product: Mortgage

I took a home loan from RBFCU bank, Loan Account number XXXX at a APR of 5.125 % and I have been making payments in advance + making part prepayments when available. However there is a systemic issue with RBFCU payment processing system and I have tried to explain this to their representatives multiple times. Whenever i make a payment in advance it moves the next payment due date however it still deducts interest for future month today. For Eg : - I made two payments for my home loan in the month of XX/XX/2024 for {$4200.00} and it moved my next payment due date to XXXX however still charged me interest for XXXX, XXXX  even if it has not occured. How can a bank charge me interest for a future month today which has even occured. I have told their representatives multiple times that your system is charging interest for future months, however they are not listening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT This is Additional information in regards of the CFPB Complaint ID XXXX I, XXXX XXXX had ForgXXXX to submit my Cease And Desist letter in previous complaint mentioned above. 

However, the Cease And Desist letter is attached now in this complaint and shall not be construed for any reason!
Product: Money transfer, virtual currency, or money service

Cojnbase has stolen money from me, I have converted ethrum currency via their app and stored it in their wallet on XX/XX/2020. 

However that amount is missing from my wallet, I have sent 3 written complaint to the company and have just received their automated message.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$5600.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sent {$300.00} to a user on venmo and his username was XXXX. We had agreed he would drop off my item at the post office that day and he would give me the tracking number. He did not do so and by now transferred my money to his account and deleted his venmo account. He scammed me. And I contacted venmo support and they said they can't do anything without his authorization and I should try and reach him but he deleted his account. I really want my money back.
Product: Credit reporting or other personal consumer reports

there are inquiries and an account that does not belong to me. this is my identity theft report this is wrong all of this isnt mine. INQUIRIES - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS - XXXX XXXX XXXXXXXX XXXX - XXXX THESE ARE NOT MINE