23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

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. 


Names on Credit Report : 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 Addresses on Credit Report : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Ct XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXr, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Ct XXXX, NC XXXX None None NC XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Numbers XXXX XXXX
Product: Credit reporting

I have mailed, filled out online forms, called for them to remove my fraud alerts and update my personal information that I can apply for car loans, mortgages and housing. It has been well over 4 weeks since my first contact with all the credit bureaus and no financial institution can process my application because the info on all my reports are outdated with old numbers and addresses ... I changed phones number recently but the fraud alert is tied to my old number. I keep trying to get them to update my number and they say they will do it every time but I have seen no resolution or change on my end ...
Product: Mortgage

Servis One , Inc. DBA BSI Financial Services received my regular mortgage payment early but did not apply it on time and did not notify me that my payment would be late.

They received multiple checks in one envelope about a week before it was due.

They cashed all of the checks before the payment date. 

They applied the others that were in that same envelope but not this one. 

The person processing the payment could have seen that all three totaled the regular monthly mortgage payment but they did not. 

I am simply asking that they correct the late payment report My payment was made on time All my payments are made on time They did not apply it correctly. 

They did not notify me of any problem. 

This is a serious issue that probably affects many other mortgage holders. 

Please see if you have other complaints of this nature about BSI Financial.
Product: Debt collection

XXXX XXXX has been paid off since XXXX/ they told me they were going to remove the account off my credit report and never did. I contacted them again and they hung up the phone on me. XXXX XXXX put a late collection for the month of XXXX on my Experian credit profile.
Product: Money transfer, virtual currency, or money service

I registered for the PayPal promotion at https : XXXX XXXX XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/2020, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of XXXX business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XXXX XXXX, 2020 I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.
Product: Debt collection

Due to financial hardship fell behind payments Kept calling more than 5+ times per day even after telling them To stop calling me Never stopped while at work while trying to rest on my days off it was very upsetting and felt threatened Also MY NAME IS WRONG ON THE FILE My name is XXXX, XXXX XXXX THE FILE IT SATAES XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are things on my consumer report I wasn't aware of and neither did I apply for them to get credit or anything, I've submitted disputes to the company 's XXXX  days ago none of the creditors have shown proof of debt, these are un-verified debts and I would like them removed from my consumer its been over 30 days.
Product: Credit reporting or other personal consumer reports

I Recently went to open an account from XXXX XXXX  and they didn't open it because it's reporting an account on my credit report that isn't for me. Please remove XXXX XXXX account XXXX XXXX has a balance of {$640.00} from credit report. Remove this asap, never was I associated with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX, Transunion and XXXX back in XX/XX/2020. This is now XXXX and I still have yet to received anything from them. I want to fix my credit report and this is holding me up and I don't understand why they haven't reply to me yet.
Product: Credit card or prepaid card

I was charged the following interests in the past several months {$0.00}, {$1.00}, {$85.00}, and {$64.00} during COVID-19. I was charged even though I paid full balance on my account. I contacted customer service and was told interest charges can not be refunded since I previously had interest fees reversed in 2019. However, during 2019 I had SRCA and the interests were an administration error that was later fixed. I have completed paid the full balance on the account.
Product: Mortgage

The FAY SERVICING mortgage company is not making property tax payments even though this payments are part of the escrow and I have made all timely mortgage payments. 

I have notified them of this error or slip-up by phone, via their online communication exchange and via straight email to the customer service department in charge of this issue. I have sent them all six ( 6 ) tax bills which they have acknowledged receipt, but no payments have been made. 

The tax payments were due XXXX/XXXX/2022. As of today, XXXX/XXXX/2022, they have not been paid. IK am afraid the taxing agency will sell my properties on tax sale if this is not paid ASAP. 

I need help ASAP.
Product: Credit card

I went shopping on a website called XXXX XXXX XXXX, where I saw a product that caught my attention. I used my credit card to purchase it, and the total cost was {$100.00}. I waited several months for it to ship, but it never arrived. I sent them XXXX emails but never received a response. Eventually, I filed a claim on XXXX to request a refund. An employee of XXXX XXXX Industries responded through XXXX, claiming that the product was still being produced and would soon be finished. I trusted them, which led to waiting a few more monthscompletely wasting my time. I then realized it was a scam, but by that point, the XXXX claim window had already closed. I contacted Bank of America to file a credit card fraud claim. However, after their investigation, they stated that " this charge is consistent with previous charges with this merchant. '' This is incorrect, as I had never dealt with this merchant before this incident.
Product: Mortgage

Regarding XXXX XXXX XXXX XXXX ID # XXXX I applied for a mortgage with Prosperity Bank in received a prequalified letter for XX/XX/2021 to XX/XX/2021 for a conventional loan. I found a house which did not pass inspection. I found another house and was going through the closing process which was to be XX/XX/2021. 

When I started the process on the second house with another realtor the loan officer XXXX at Prosperity apparently threw my file away as if I had not recently received a preapproval letter which was still valid. She told me that I had to reapply for the loan, which was less than a month old. I RE provided all the documents requested and paid all the money for an inspection and at the end was asked to pay for an appraisal of {$700.00} which was overpriced as a standard appraisal is listed around {$250.00}. 

I found the letter stating that I may not need an appraisal and if I did it would be {$200.00}. 

All this time the loan officer was not communicating with me. My realtor and myself asked her if the loan was going to close and she said yes she wouldnt have me come this far in the loan process if I wasnt going to be approved. 

I work remotely and it was as if they made a point to get the company I work for to say I couldnt work remotely in Oklahoma then denied my loan. Sub services handles all questions about my work and they found someone who does not manage substitutes to verify a question that was out of their area of scope. 

As a sub I am basically independently contracted to the district and am able to pick and choose days when I want to work regardless of where I live at. The main point in to complete the job assignment I love picked up. 

I was approved for a conventional loan because I have a strong credit score. I have a long work history and am confused by the conversations I have had with the loan officer.

It seems to me that the loan officer was reluctant to work with me after she found out I am a woman of XXXX. I realize XXXX is known for the race XXXX and it seems to me Prosperity Bank is not in favor or prospering XXXX of XXXX. From working with the first realtor to the second their was a major lack of consistency. 

On the first loan I received congratulations on my property prior to completing my inspection! 

I have emails and documents to support these claims. 

You will see how the level of professionalism changes after XXXX when the approval letter and home loan was in progress. 

I am requesting a refund of my monies and a review of XXXX files to verify she is servicing all clients equally. And advise borrowers of XXXX to avoid Prosperity Bank. 

Thank you in advance for your assistance in resolving this lack of professional in the mortgage industry.
Product: Checking or savings account

Account frozen since XXXX and still won't let me withdraw funds.
Product: Checking or savings account

On XXXX  XX/XX/year> I tried depositing {$XXXX} into my account at the XXXX XXXX thru atm It reset on me after taking my cash and didnt reflect on my account
Product: Checking or savings account

On XX/XX/2022 I was using XXXX through Wells Fargo. I had sold an item on XXXX XXXX and I sent the buyer my information to transfer the amount of {$120.00}. I received an email stating that I needed to send the amount of {$400.00} to upgrade my account to a business account. I didn't question it because it looked like a legitimate email. I then received a second email supposedly from XXXX stating that I needed to deposit an additional {$600.00} because the amount I sent wasn't enough. I replied that I only had {$500.00} and they said it was fine. I would then be credited in the amount of {$1000.00}. I sent the money and they then asked for my banking login credentials so that they could send me the money by verifying me. I then realized that it was a scam and contacted my bank 's fraud department. I had to change my login credentials and my account was closed. I submitted all pertinent email correspondence to my bank showing the spoofed email address and buyer 's contact info. Wells Fargo responded that since I authorized the transfer that I would not get the {$900.00} refunded to my account. I find that this response is egregious and as a banking customer, my money should be protected from all scams, not just ones that I have erroneously sent money to a phishing scam. The whole reason I bank is that my money is secure and in the event of a scam, I should be able to recover any funds that were in sent in error.
Product: Money transfer, virtual currency, or money service

Coinbase had closed my account for no reason, and when I tried to reopen it, they said my account was under manual review and that it would be resolved and reopened within 3 months at the latest. I provided all the documents they requested one by one, and at times, they asked for the same documents multiple times. Eventually, they started asking for the documents less frequently, from once a week to once a month, and finally, they stopped responding entirely. I tried to reach them through many platforms, but since my account was under manual review, they also banned me, and I couldnt communicate with them in any way.I was a creditor of XXXX, and when my exchange went bankrupt, the court directed us to Coinbase to retrieve our funds, but they made the situation even more difficult. They caused me harm and made me suffer from currency fluctuations, restricting my financial freedom. Finally, after XXXX months, I had a chance to get a response from them. Miraculously, the customer service, which was closed to us, had reopened, and after another month of effort, I managed to get my account opened, but it took XXXX  months of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ANOTHER ATTEMPT AT GETTING THIS ISSUE RESOLVED. XXXX XXXX XXXX XXXX XXXX ARE ILLEGALLY REPORTING DUPLICATE INFORMATION ON MY CREDIT. XXXX XXXX CLAIMS TO HAVE SOLD THE BALANCE TO XXXX XXXX YET, XXXX XXXX IS STILL REPORTING A BALANCE. XXXX XXXX IS ALSO REPORTING THE SAME EXACT BALANCE + INTEREST. THIS IS AN ILLEGAL DUPLICATE REPORTING AND HAS CAUSED ME FINANCIAL BURDEN AND FINANCIAL OPPORTUNITY ALL YEAR. I CAN'T MAKE UP THE TIME LOST FOR THIS MISTAKE NOR THE TIME IT HAS TAKEN ME TO TRY AND GET THIS RESOLVED. XXXX, XXXX, EQUIFAX ... YOU ARE REPORTING A DUPLICATE BALANCE WHICH IS ILLEGAL. PLEASE DELETE BOTH ACCOUNTS MENTIONED ABOVE AND/OR RECTIFY THE BALANCE.
Product: Debt collection

Wrote a XXXX letter and reach out to credit bureau and they have repeatedly Denied me and given me hard inquiries and also soft ones which are in benosed to me. 
I was covered under gap insurance and send in letters paid over larger amounts on repeatedly buying stamps
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 complaints that I am filing on equifax one 1.2 Incomplete family support account, does not contain the county that reported it, it is missing information such as the date of delinquency, and it is duplicated on my report fraudulently increasing my debt to income ratio with both accounts ending in XXXX, this should not have been duplicated, they are also inputting fraudulent dates on them re aging both accounts to make it seem like it is two different accounts, I have submitted proof, account this is considered fraud. 2nd complaint, the statute of limitations according to the fcra has ran out to report on this it has antedated 7 yrs, the fcra places a specific time limit on when they can report delinquent accounts starting with the first day of delinquency, both items are stating family support division, both items are stating the account number is XXXX it is the same account. I have submitted proof of the original date of delinquency since they have XXXX and XXXX being the dates of delinquency. The original date of delinquency is XX/XX/XXXX which they have been reporting this account XXXX for 8 yrs now, 1 yr over the statute of limitations since the first date of delinquency, by fcra it is to be treated like a regular account such as a bank, loan, or credit card account.
Product: Mortgage

I am a Widow who has asked for assistance, never received it and I am now being harassed by Citi Mortgage. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from Citi Bank/City Mortgage since 2012 but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for each month including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and waited 7 or 8 months to deny me. I asked again recently and I was denied again. I needed my loan modified to a smaller payment so that I could keep up the payments, I did n't have far to go to finish paying off the balance. Because Citi denied me help in order to keep up the payments, I used my savings to supplement my income. Now my savings is almost gone and there is nothing left to supplement. I am not behind, not even one month but now I am being harassed by Citi Mortgage each and every week. I have to pay them at the end of the month but I am not behind. I only owe them a total of {$9300.00}, my monthly payments are {$300.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from Citi Mortgage XXXX where I have a home equity loan would have worked with me. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. The only thing I can do is to pay my bills as best I can and City will have to wait to get it until I have it to send. Each week they send me threating letters of foreclosure and modification forms which I will not fill out, I know from past experiences, they have no intentions of helping me with anything but out of my co-op if I ca n't pay rather than work with me towards a solution. I am being harassed. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue goes back to XXXX crisis - We have paid our mortgage and requested assistance from our mortgage company XXXX - Basics are in XXXX they told us they wouldn't help us unless we stopped making our mortgage payments. We stopped In XXXX they decided to foreclose - we were not willing to do that - we have many assets and decided to do a XXXX XXXX Bankruptcy. XX/XX/XXXX. We paid our mortgage and bankruptcy every month and was to be discharged XX/XX/XXXX. When the Trustee sent out the statement to creditors that they were discharging the bankruptcy there was a statement sent to us in XX/XX/XXXX that stated we owed an additional 3 months. 
With much back and forth conversation between our lawyers and XXXX XXXX, we paid what they stated we owed to be worked out later as to not upset our credit coming out of Bankruptcy. the Bankruptcy was discharged in XX/XX/XXXX. On one credit report it states Dispute resolved ; reported by grantor. But when I go into history it says 90 delinquent as of XX/XX/XXXX. 
We discovered this when we applied to refinance our mortgage which is over 7 % interest. 
We have been paying for 17 years and have about {$12000.00} equity in our home. We want to refinance with the low rates but run into roadblock with this on our credit report. 
I disputed it with XXXX and they stated that they stopped reporting when we went into bankruptcy and then when it was discharged we were behind. We had no account of this on our statements and was shocked to see the statement owing over {$12000.00}. 
I do have all the documentation from the 15 years statements, payments bankruptcy, discharge etc. 
I have provided this information to XXXX and have attached what seems to be the months in question, XXXX, XXXX, XXXX of XXXX and coming out of Bankruptcy with an amount due in statement of {$12000.00}. 
What is extremely curious about this is I have three XX/XX/XXXX statements. 
XXXX Dated XX/XX/XXXX due XX/XX/XXXX - {$2600.00} XXXX Dated XX/XX/XXXX due XX/XX/XXXX - {$5300.00} ( was paid in the grace period after statement ) XXXX Dated XX/XX/XXXX says Loan date XX/XX/XXXX due XX/XX/XXXX - {$12000.00} None of the statements for XXXX, XXXX, XXXX, XXXX or XXXX had a delinquent amount due. The amount in question was {$7600.00} supposedly that is 3 months but the math does not equal this amount. 
XXXX XXXX = {$7900.00} It is all very confusing to us. We then this year received a check from XXXX for an over payment. We have continued to pay on time the amount of {$2600.00}. then when they did there end of the year audit they sent us a check for {$2600.00} said it was over payment. 
We have multiple inquiries and conversations with XXXX ourselves as well as our attorney who deals with debt and bankruptcies all the time and has not ever encountered this level of difficulty in working with a mortgage company.
Product: Credit card

Without fail, I have maintained a record of timely payments on this account, preventing any occurrences of overdue payments. Yet, I am puzzled by the existence of late payment remarks on my accounts, as per the provisions of XXXX XXXX XXXX, which mandates the correction of billing errors.