23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, Equifax Information Services , LLC, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX and Inquiries. This has cause me great anxiety, stress, and financial hardship.
Product: Mortgage

I initiated the process to refinance my mortgage with the existing servicer, Pennymac. They have not communicated with me in many days -- weeks, even -- and my repeated email inquiries requesting an update, such as information about closing on the loan, have gone unanswered. I fear they are trying some sort of trick to delay my closing in order to exceed the lock period and thereby deny me the promised rate.
Product: Debt collection

Collector discussed the debt with my wife without my permission. They went as far as offering her a settlement. My wife is not on the debt with my in fact my ex girlfriend is. They also did not verify my wife 's identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. XXXX, a XXXX XXXX, also known as XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) assumed my VA loan from another mortgage carrier. My auto-payments were going to the original lender, and in XXXX and XXXX of XXXX, while mobilized, they reported a 30 and 60 day late payment ; though the payments were being made in a timely manner ( to the original lender ) I was not aware, as I was overseas. Then in XXXX of XXXX, I was again mobilized for 70 days and they again reported a 30 day late payment, when I had told them that I needed a few extra days, and they agreed and agreed not to report my late payment. I was late by 3 days. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.
Product: Mortgage

We have been trying to get this resolved for more XXXX  years and now they keep lying about the problem and they keep changing the subject each time we submit a complaint to the CFPB. They refuse to answer the questions and give us a conclusion that will compensate us for the pain and suffering. Now they are sending us letters talking about mediation to resolve the problem that they say dont exist. They sent us checks for errors that was done by Wells Fargo Bank. Im going to attach copies of the checks and copies of the documents that they want us to sign for mediation for what? Being senior citizens and black we feel that they are trying to take advantage of our ability. We dont see any end to this madness. Im a XXXX year old with a XXXX grade education. I purchased a home from Wells Fargo Bank in 2003. The home was in foreclosure XXXX XXXX XXXX XXXX Florida XXXX. The home is in a low income area. All black on the water the home is beautiful to me. Because the house is in a low income neighborhood the value has not increased. I have been working with Wells Fargo because I borrowed $ XXXX to fix the house up. But the next year I was told by Wells Fargo Bank that I needed to bring $ XXXX money which I didnt have. So I was forced to sell other properties to come up with the money. This was a big setback for us. Now I dont have XXXX  credit reporting anymore not sure how Wells Fargo got involved with my credit account.
Product: Credit reporting or other personal consumer reports

I've been trying to unfreeze my credit with Experian. Their website does not work, going through the process of changing your password does not work. It prompts you for a phone number, asks if you'd like them to text or call, and a text or call never comes. The other option for password recovery is to answer questions set at password creation, but that does not work either ; the " Continue '' button does not do anything, doesn't say if your answers are wrong or right, just leaves you at the same page. Calling the available phone numbers online for Experian, which I found to be : ( XXXX ) XXXX, and another number at ( XXXX ) XXXX, it takes you through talking prompts. At the end all it does is tell you to go to the website ( which doesn't work ), or to mail them, which takes weeks. I called them multiple ( no less than seven ) times at multiple times of day between XX/XX/XXXX and XX/XX/XXXX, and was unable to get a human being on the line. I am fortunately not suffering any fraud problems, but if I were in this same situation and also dealing with a fraudulent line of credit opened in my name, this could lead to disaster for me. At minimum, it is extremely frustrating and at most it could do a lot of harm. This is unacceptable, and there needs to be a way to make contact with a human being in the event that their website does not work ( which it doesn't ).
Product: Credit card or prepaid card

On XX/XX/2019 I made a purchase using my BECU visa credit card in the amount of {$28000.00} from XXXX XXXX. 
This purchase was made by myself. BECU has taken it upon themselves to dispute and chargeback this card as a fraudulent transaction and chargeback the merchant. This purchase was in fact made by me and BECU had no right or permission to mark this transaction as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor capital XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.
Product: Mortgage

I signed up for a new home insurance policy for the internal structure of my town home. XXXX XXXX  stated the payments could come out of my monthly mortgage payments. I increased my monthly mortgage rate and XXXX XXXX sent the statements to Wells Fargo. Wells Fargo didn't make any of the payments resulting in the cancellation of policy # XXXX. Since the policy cancelled and it wasn't my fault I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX responded to the complaint XXXX XXXX. He stated the issue was caused by Wells Fargo and they should pay the outstanding {$290.00} to XXXX XXXX due to their failure to pay the request that were sent. The record shows the mortgage payments were increased during the time of the intended insurance dates and wasn't reduced until the policy was cancelled due to failed payment.
Product: Credit reporting or other personal consumer reports

Issue # 1 : I was having issues with making my payment on XX/XX/24. I called Ally to inform them that I was having issues making it online and I was able to make the payment about XXXX XXXX  on XX/XX/24. I assumed they made an update to not report me as late because of the online system having errors. I had never encountered this error before while paying online. 

Issue # 2 : I shared with XXXX that I was going through a terminal situation to look for a settlement on the account to pay less than owed. They said they could waive {$100.00}. I asked if there was a supervisor or someone higher I could talk to. The agent placed me on hold and came back to inform me that the supervisor said they had nothing that could help me. I asked for their corporate number and the agent said he didn't have it and there is nothing anyone can do.
Product: Checking or savings account

A check from XXXX XXXX XXXX ( Agent for XXXX XXXX  ) sent a check via mail to XXXX XXXX XXXX XXXX, KY XXXX. This check was in the amount of {$10000.00}. This check has my Citi savings account number on it as well as my name. I have never received these funds in my Citi savings account. All representatives are saying it can not be found. That is the same information I already have. That is why I have reached out via phone and chat on more than 5 occasions. All representatives once arguing to get to a supervisor tell me there is nothing they can do with a check that was mailed. " Talk to the bank that sent it '' they say. I have, they investigated and found via a cleared check with a deposit only stamp from Citi that it was in fact deposited somewhere within the Citi system. I have this cleared check. I have told every single representative that I have clear proof that it was deposited. I am not saying it was deposited into my account, because it clearly was not. I am stating that it is somewhere it the Citi world. All they keep telling me is to reach out to the bank that sent it. Once deposited or cashed it is now on Citi to investigate. They refuse to do this. I have asked numerous times to multiple representatives where I can send this evidence and they refuse to take the evidence and investigate.
Product: Checking or savings account

Citibank closed my savings account without my permission after falsely detecting a fraudulent transaction when it was a legitimate transfer from my XXXX brokerage account. Since XX/XX/2022, I have been locked out from accessing over {$75000.00} in my savings account and have no correspondence on why I still have not received my funds. 

I have called the Citibank over XXXX times and have visited the XXXX branch in XXXX XXXX multiple times. They keep mentioning that I will get a correspondence in 48 hours or mail within 10 business days but I have still not received my funds. Each time I try to ask for escalation given this ordeal has been over 7 months, they say there is nothing else they can do and out of their control.
Product: Vehicle loan or lease

My father whom is XXXX, has an auto lease with Honda Financial Services that is coming to an end and wants to pay off the car to keep it. He was instructed in their XXXX that he can do the pay off at a Honda car dealership. The payoff amount is {$13000.00} which includes sales taxes and any possible fees. 
I arrived at the dealership in the middle of the transaction where they were charging the payoff amount of {$13000.00}, sales taxes of {$910.00} ( which is already in the payoff, ) dealer fee of {$790.00} and title registration of {$490.00} - for a car that already has a registration. Fortunately, we were able to stop the transaction. 
In addition to elderly abuse, this is clear deceptive, unfair and fraudulent practices of Honda Financial Services and their dealerships. I contacted their XXXX line and the representative mentioned that this is normal practice and the fees are " customary. '' The dealership is XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX.
Product: Mortgage

I set up payment plan from my bank XXXX & XXXX XXXX XXXX, Pa, the new company refused payment. 
XX/XX/2023 Dear XXXX XXXX, We tried to process your payment to PLANET HOME LENDING for {$1100.00} on XX/XX/2023, but it was returned to our processing center due to an invalid account number. The payment will be credited back to your funding account. Please allow 2 to 3 business days for the refund to post to your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax regarding inaccuracies on my credit report. To this day, I have not received a response. 

The following account is not mine : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Please remove it from my credit report. 
The following account contains inaccurate information : XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report. 
The following account contains inaccurate information : XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Account : XXXX XXXX XXXX  XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Note : HARD Inquiry : Finance Date : XX/XX/XXXX Inquiry from XXXX XXXX XXXX : HARD Inquiry : Finance Date : XX/XX/XXXX Inquiry from XXXX XXXX XXXX : HARD Inquiry : Finance Date : XX/XX/XXXX Please promptly remove this data within 5 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely response.
Product: Consumer Loan

American Honda Finance reports false information on my credit reports. They show multiple repossessions for an account not associated with me.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion and XXXX credit report XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo dealer services has a credit inquiry on my credit reports from 2017 I never applied for a loan with them in 2017
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card

In XX/XX/XXXX Capital One advised that my credit card was compromised and they would issue a new card. Never heard from them or received a new card .At that time we had a rewards balance of {$270.00} .In XX/XX/XXXX received a letter of condolences on my death. 
Immediately informed them Im very much alive. For the past 4 months and literally hours on the phone its been a gong show. Now I received a statement saying I owe {$410.00} which of course is not true. From one of the many conversations, the agent said it appears when I supposedly died they took the rewards from me. Agent said they would rectify and reverse the mistake. 3 more weeks nothing .Then to add insult to injury they sent a cheque on XX/XX/XXXX for XXXX CENTS! Ive had apologys, case files started, promises etc. Im XXXX XXXX XXXX and I feel like Ive aged 10 years. Worst experience with a credit card company in my life .As I said I havent had a credit card since XX/XX/XXXX. 
Because this has gone on for so long and they falsely accused me of being dead so they could take away my rewards, is this not fraud.? 
It really appears that because they have lied and promised to rectify the problem, that they are just trying to hope I go away. 
Capital One must have one of most complaints of any company Who sends a cheque for XXXX cents Thanks XXXX XXXX
Product: Debt collection

I been disputing this over and over and they won't remove it or provide proof that this debt is mine.
Product: Debt collection

I have already made a complaint to CFPB as below, the Comenity Bnak did not resolve it till now. The dispute is pending with CFPB and also with Comenity Bank collections, but they keep on reporting my account deliquent, today i.e XX/XX/XXXX, they again reported me 60 days delinquent and my XXXX XXXX fell to XXXX, this is causing severe trauma to me. 




I have received a sanction of {$3500.00} from XXXX XXXX XXXX XXXXComenity Bank referring to an account ending XXXX. I have accepted to get a hair treatment from XXXX XXXX but did not even make my first visit for the treatment. As i was getting bills from XXXX XXXX Comenity Bank , i reached out to XXXX XXXX to refund the money to comenity as i did not start the treatment. XXXX XXXX has ignored all my emails and blocked my email. When i finally informed Comenity, they said that they will initiate a refund and asked me to reach out on XXXX XXXX if do not get any update from them. The customer service was not available and always i was kept on hold. On XX/XX/XXXX I received a notification that my XXXX XXXX has decreased from XXXX to XXXX because of the overdue report by comenity. Upon reaching comenity, they informed that they have recovered the balance from XXXX XXXX, but the late fees are past due. I believe that the late fees should have been collected from XXXX as my liability only starts after i make the first purchase. The fee they have applied is not valid as i did not start any treatment. The customer service XXXX also mentioned the same but she asked me to reach out to collections to get this removed. This wrong reporting has effected my XXXX XXXX and comenity said they would take 90 days to resolve the issue
Product: Credit reporting or other personal consumer reports

I have asked to have XXXX  XXXX removed from my credit report. This loan is in the forgiving stages and previous to that was in the save act remove this from report. It also states payment summary incorrectly and states last payment was XXXX XXXX XXXX should be blank! payment summary is incorrect and last payment is wrong this is causing me great harm. Remove this from my account or I will sue. All 3 bureaus need to be prosecuted for this great harm it is doing to my credit. I have proof from the state that reflects it is being forgiven no payments due. Remove this immediately while you work on obtaining the records needed. I have requested this multiple times. And XXXX XXXX and equifax have failed to do their job! I also request a signed letter that I was asked of it was OK with me for this to be reported on my credit report by law I was supposed to consent. I do not give co sent for this installment loan to be on my credit report! I do not give permission.
Product: Credit reporting or other personal consumer reports

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 
XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I disagree with account listed in attachment There are alot of inaccuracies thats are appearing on my consumer report affecting my ability to and i would like this immediately re-investigated the inaccuracy are highly injurious to my credit score XXXX XXXX XXXX with the fair credit reporting act public law 91-506 title VI section 611 Subsection A-D please provide the names addresses of each individual with who verified above including dates payment history and balance accuracy please send me a copy of my updated credit report after you're reinvestigation
Product: Checking or savings account

I have been before the CFPB before concerning SunTrust bank. After the 2 previous complaints SunTrust refunded fraudulent fees they were charging to my savings account and discontinued the practice of sending me unrequested monthly statements and then charging me for them. How ever as of XX/XX/XXXX the XX/XX/XXXX SunTrust is again fraudulently charging me a monthly maintenance fee of XXXX. This time its my checking account. I have never seen this charge before. This is the first time they have done this as far as I know. 

My account was originally a " XXXX '' maintenance free checking account. that was in XX/XX/XXXX I believe. The only stipulation was that I allowed XXXX to transfer XXXX dollars a month from my checking to my savings. I agreed and sign up for the maintenance free account. Then XXXX bought out XXXX, and my account remain as I sign up for, a maintenance free account. Finally SunTrust bought XXXX, and inherited my Maintenance free account. I have not requesting any changes to my account type or status. It is a maintenance free account and I want it to remain as such. 

For the most part SunTrust follows the account legal agreement and transfers XXXX on or about the XX/XX/XXXX of each month to my savings account which is part of the agreement. they did so on the XXXX of XX/XX/XXXX. The only issue I have with them currently is that they are now deducting a XXXX maintenance fee and my account is a maintenance " free '' account. 

This is the 1st time they are doing this and I want them to stop it before they do it again.
Product: Mortgage

I am trying to refinance my home and Freedom Mortgage will not provide XXXX XXXX a payoff for " At least 15 days '' without me calling in. I do not wish to speak to them or be pushed to stay with this company. 

I see they have 7 days to provide a pay off but continue to refuse. 

XXXX XXXX Requested in writting a payoff on XX/XX/XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

A friend/former neighbor 's social media accounts were hacked, someone who pretended to be them asked for a loan to pay a vet bill. Money was sent via PayPal, PayPal has denied my refund. From my understanding, this is wire fraud and highly illegal to pretend to be another person and solicit money under false pretenses. A police report was approved and filed yesterday. I have contacted my bank, and they said that PayPal has to do the reversal.
Product: Mortgage

I had submitted an application for a residential mortgage in the beginning of XXXX. I promptly replied to all requests for information. The loan was scheduled to close in XXXX and never did. I continued to receive requests for information that I again promptly replied to. This continued until XXXX when the loan was schedule to close. Ten days prior to closing the amount I intended to borrow was reduced. We were so far along in the process I agreed to the reduced amount. I asked several times for a closing sheet and did not receive it until the day of closing just a few hours before we were scheduled to close. The loan was supposed to not have any origination fees. Upon reviewing the closing document they had included a substantial origination fee. I have owned my home for over 20 years and refinanced several times. I have never encountered anything like this. I feel I was taken advantage of and I was not able to close. I am going thru a divorce and I was looking to refinance in an effort to buy my wife 's share of our marital residence. This has created a tremendous amount of stress around and already extremely stressful situation. As a result of the delay the rates have gone up which will result in a substantially higher monthly payment. Any help would be greatly appreciated. 
Thank you in advance for your assistance. XXXX XXXX