23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Cardinal Financial Company excepted my application for refinance in XX/XX/XXXX, At the end of XX/XX/XXXX A closing took place at my home, to find out that The finance Company in question canceled the original closing, for mistakes made within there Company, I got no response to why it was cancelled, As A result of there negligence to this important matter, I then asked the loan officer XXXX XXXX if I should continue to pay my mortgage as i always do, I was advised to hold the payment because a new closing was going to take place during the same week the first mortgage closing was cancelled, as A result to the poor advise given to a first timer such as my self i took his advise and held the payment, Now XX/XX/XXXX I have a late payment on my credit report I have now been late charged form my original mortgage servicer 3 Times, And now as a final result Thanks To Mr XXXX I was declined to move forward with the refinance thru Cardinal Financial Mr XXXX XXXX ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

COLLECTIONS US DEPT VETS  XXXX {$0.00} inaccurate 06 XXXX  XXXX {$130.00} inaccurate 09 XXXX XXXX   XXXX {$3900.00} inaccurate 12 XXXX  XXXX XXXX XXXX  XXXX {$460.00} inaccurate XXXX XXXX {$2300.00} inaccurate XXXX   XXXX  XXXX {$12000.00} inaccurate 06 XXXX  XXXX {$0.00} inaccurate
Product: Credit reporting or other personal consumer reports

Experian reports inaccurate information on account XXXX. 
Past due amount is wrong and date of last payment made is also wrong.
Product: Mortgage

XXXX XXXX XXXX  - Spoke to rep and escalated to manager after requesting to pay my mortgage and investigate why my payments have been reversed several times ( 4 times since XX/XX/ ). Both agents including the manager did not know my loan number on file based on my SSN and other details. They said that the loan number on file had been serviced by XXXX ( showing a clear deficiency and data record keeping ). I had to prescribe them my loan number that I had luckily saved and documented from the first statement. Otherwise, my Mortgage would be considered lost by XXXX. 

XX/XX/ - Spoke to rep and asked why have any payments been processed on my mortgage successfully. Statements from XX/XX/ and XX/XX/ have over 6 transactions showing debiting the account and then a reversal of the payment for no reason. Funds were sufficient in the account and XXXX attempts were made according to XXXX for an ACH transaction by XXXX. 

XX/XX/ - Asked agent for help setting up payment with request to pay 2 months in advance. I complied and had 2 months plus, and additional curtailment. XXXX payments applied.
Product: Checking or savings account

On or around XX/XX/XXXX I XXXX XXXX opened a checking acoount with bank of a America, on XX/XX/XXXX yu I deposit {$610.00} to my savings account that I personally opened online, on XX/XX/XXXX I was soon to realize that both my checking and savings account was closed without my consent I was now told by an online advisor to go into a branch to retrieve my funds from both account. Behold I was told on XX/XX/XXXX th by the bank manger in the XXXX branch that I need my marriage license in order to receive these funds!! I madly waited until XX/XX/XXXX th to retrieve all funds!! Sadly the check in the amount of {$610.00} was never received until XX/XX/XXXX after several phone calls wee made from the local branch to the online or main office. At this time, I feel discriminated against by the manager at the bank whom rudely told me on XX/XX/XXXX that she have been married for over 20years and she have a copy of her Marriage license in her car. This was after I don't her no one drives around with his or her marriage license. I embarrassely left the bank annoyed by her response or type of identification that was needed in order to receive over Four thousands dollars that was in my account that I still have no clue as to why it was closed up until XX/XX/XXXX. XXXX XXXX? XXXX XXXX XXXX
Product: Debt collection

I send them a letter to the Allied collections and thier attorney XXXX  XXXX  they both have copy of my letter I told them send copies of my social security benefits I get and told them by law they can't ganurished my benefits I still had go.court I told thier clerk person same thing she they I was lying bout she made me sign document to.pay them XXXX $ a month I told her I can't afford pay them XXXX $ she pretty much made me sign collection agreement after I told all them I get social media I have copies of letters I send both parties and contract I had sign for garnishment they XXXX still harassing me from.a debt XXXX  in 2012
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my XXXX credit reports from all three bureaus and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. I am requesting that these bureaus remove these unauthorized inquires from my credit profiles as they are not authorized inquiries by me, nor are they linked to any of my accounts. 

XXXX : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX, XXXX Inquired On XX/XX/XXXX TRANSUNION : XXXX XXXX Inquired On XX/XX/XXXX XXXX Inquired On XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired On XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!! 
Amount : {$2700.00} Reported XXXX Filed XXXX XXXX County Superior Court
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXXL XXXX XX/XX/XXXX {$2100.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered a late payment entry that I believe is inaccurate. The entry pertains to a late payment, and I believe it violates the Fair Credit Reporting Act ( FCRA ) provisions outlined in Sections 15 USC 1666b, 15 USC 1681a ( 2 ) ( i ), and 15 USC 6802. As per Section 15 USC 1637b, I should have received information regarding my credit obligations at least 21 days before the payment due date. I am formally requesting proof that such information was provided to me within the specified timeframe.

Furthermore, I am invoking Section 15 USC 1681s-3, which outlines the obligations of furnishers regarding the reporting of information to consumer reporting agencies. I request a thorough investigation into this matter to ensure compliance with FCRA regulations. If its determined that the late payment entry is inaccurate or in violation of FCRA provisions, I request its prompt removal from my credit report.
Product: Mortgage

US Bank is not following guidelines for XXXX Force-placed insurance and charging individuals erroneously on flood insurance without processing a reminder notice under section XXXX 15 days before payment is required. The insurance in question is also at a rate 22 times higher than the base rate required by law - thus they are making roughly {$22.00} dollars of profit on every regular dollar of insurance being purchased - that has to be illegal and for the statement in their letters to say that if the insurance is purchased on behalf of the mortgage holder, it " MAY be more expensive '' is further illegal they should be required to say it WILL and at the rate that it is punitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs incorrectly states : " Customer did not satisfy the XX/XX/2021 statement balance in full by the due date. '' As a result, the Bank assessed interest on XX/XX/2021 in the amount of {$83.00}. Furthermore Goldman Sachs falsely reported to the credit bureau that I was late which has caused damage to my credit score. 

I would like proof from Goldman Sachs that I did not satisfy XX/XX/2021 statement balance in full, and I can assure you they can not do so. Goldman Sachs have even failed to explain to me how I was late the multiple instances of me trying to reach out to them to get an understanding the current situation which they failed to disclose the steps to resolve the problem of my account. 

In the month of XX/XX/2021 the minimum payment required was {$25.00}, A payment was made on XX/XX/2021 in the amount of {$850.00}. A secondary payment was made in the same month on XX/XX/2021 in the amount of {$300.00}. This is a total of {$1100.00} payments made in the month of XX/XX/2021 to which XXXXoldman Sachs says I am late. How is this possible? 


I will submit proof of payment made here.
Product: Credit card or prepaid card

Capital One acct # XXXX is locked by security, all attempts to resolve the unauthorized charges and unlock this account that I have had for 15 years have been unsuccessful. capital one has demanded I prove I am the account holder, I have called and sent Photocopies of my drivers license, bank statement and proof of my social security number THAT should be UNNECESSARY and discriminatory as I am over 80 years old and I am being forced to close this account. I owe nothing they owe me yet capital one will not explain their actions nor determine the status of this account. I also have another account with capital one that has never been used that I can discuss with them so they KNOW WHO I AM. I am demanding Capital One explain why this account was locked and refund what I am owed I will close the account myself when I am Satisfied
Product: Debt collection

An individual fraudulently used my social security number to obtain services from XXXX XXXX XXXX XXXX. The company is located in XXXX, Texas. 
I have informed the company about this fraudulent activity. They requested that I file this report. 
The debt appeared on my credit report on XX/XX/year>. Placed there by a company named Credit Control LLC. 
I live in XXXX, Arizona and l have never lived in Texas. 
My social security number has appeared on the dark web.
Product: Debt collection

Sometime around late XXXX or early XXXX my wife got a notice from XXXX XXXX bank indicating that we owe on a credit card. we responding that we never had a XXXX XXXX credit card, but was taken to court. the case was dismissed in court but XXXX XXXX has been still trying to collect, using XXXX collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from Portfolio Recovery Associates trying to collect the same XXXX XXXX account. XXXX XXXX Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX don't recognize this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX  don't recognize this inquiry. 
XXXX XXXX XXXX XXXX XXXX, don't recognize this inquiry. 
XXXX XXXX XX/XX/XXXX, don't recognize this inquiry. 
XXXX XXXX XXXX, don't recognize this inquiry. 
XXXX XXXX XXXX, XXXX, don't recognize this inquiry. 
XXXX XXXX XX/XX/XXXX, don't recognize this inquiry. 
XXXX XXXX, XXXX, don't recognize this inquiry. 
XXXX XXXX XXXX XXXX, XXXX, XXXX, don't recognize this inquiry. 
XXXX XXXX XX/XX/XXXX, don't recognize this inquiry. 
XXXX XXXX XX/XX/XXXX, don't recognize this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX, don't recognize this inquiry. 
XXXX XXXX XXXX XXXX XXXX, XXXX, don't recognize this inquiry. 
XXXX XXXX XX/XX/XXXX, don't recognize this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX, don't recognize this inquiry. 
XXXX XXXX XXXX XX/XX/XXXX, don't recognize this inquiry. 
XXXX XXXX XX/XX/XXXX, don't recognize this inquiry. 
XXXX XXXX XX/XX/XXXX, don't recognize this inquiry.
Product: Student loan

I spoke to a representative on XX/XX/2019 to discuss the new payment plan on my student loan. She told me that it would be paid off in 12 years, on the XXXX of every month on a graduated repayment plan. She read me the forbearance letter and told me I didn't need to do anything else, I would see the updated information on my online portal. 
Further, on XX/XX/2019 I got online to review my account. No changes had been made. I called navient and was on the phone with XXXX for XXXX minutes. He told me I was given incorrect information and it was filed in correctly on XX/XX/2019. He hung up on me while trying to transfer me to the supervisor. I then received a call back and was told that the options were to extend my loan out to XXXX at a much higher monthly payment. 
I received incorrect, misrepresented information and was advised to be in forbearance when I had funds to make a payment, collected more interest on the loan, and got falsified information on what my payment would be and when payments would end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$380.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/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 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX  XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent XXXX a letter demanding them to remove accounts from my consumer report Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. They didn't remove those accounts ; I also didn't give any written authorization to furnish any information on my consumer report. XXXX responded the items were verified, I never asked for a investigation I asked for the accounts to be removed.
Product: Prepaid card

I made a dispute with XXXX for a transaction of {$720.00} on XX/XX/year> and the reason for the claim is I bought something overseas and I did not receive my item. However I have bought things before and got them so when making this dispute the seller sent tracking numbers that had nothing to do with my dispute and I provided all the proof for XXXX to see that the seller is XXXX  and is trying to act like the tracking numbers are for my purchases and I have also found out that the seller sells counterfeit items. Before making the decision chase did not contact me or anything they just sided with the seller. 



This is the tracking for the {$720.00} tracking XXXX Courier company :
Product: Credit card

Case # XXXX I received a letter from Barclaycard and they will not honor our request for the account to be charge off and confirmed that we have enrolled for the Hardship Payment program of {$18.00} for 12 months that started on XXXX XXXX, 2015. I still did not get an answer of why we are being charge {$35.00} month for payment due plus {$18.00} taken out totaling {$54.00} due on top of that which increases our balance and also once the account is charged off I will still honor my commitment to pay but this way it puts an end to the interest that is increasing monthly and the balance never seems to be lower.
Product: Credit reporting or other personal consumer reports

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I paid off my mortgage with XXXX XXXX XXXX XXXX. In the previous month, a car lease to XXXX XXXX was satisfied and closed. The lenders reported these account paid off and closed. My credit score has been decimated as a result. My score has been consistently in the 780-805 range for over 2 years. It is now XXXX because I retired debt. I have been diligent not to over utilize my credit, paid all my bills on time and have long standing accounts, one 32 years old. I have spoken to XXXX reps twice and TransUnion 3 times. None of these people can offer any explanation other than I paid off debt. There are no human eyes on this calculation, only algorithms. How can these practices be acceptable or legal. I am retired and have worked all my life to maintain good credit and because I retired debt now I am being penalized. It is totally counterintuitive Please help me.
Product: Checking or savings account

On XXXX XXXX, 2017 I closed an account at SunTrust Bank - XXXX XXXX XXXX branch ( # XXXX ) by having the funds wired to two separate entities. I was told the bank charged {$35.00} per wire, so the total amount wired was {$70.00} less than the balance. The banker wanted to directly debit the account for the wire fees rather than accept my cash payment for them. I subsequently received numerous dunning notices from the bank - initially for {$30.00} and then for {$30.00} and additional fees. I contacted the XXXX number and was told that the additional fees were in error - should not have been charged since I closed the account. The person ( an attorney ) on the XXXX number could not tell me what the {$30.00} was for, and instructed me to go to branch. I managed to take time off from work and I went to the branch where an officer told me that she would have to research the issue. Within a few hours, I emailed her copies of the wire receipts, told her that I considered the matter closed, that I did n't owe the bank any money as they had collected {$70.00} upon closing the account, and that I expected a written response to that effect. I followed up with her a week later since I had n't heard anything and then received an email from XXXX XXXX, Personal Banker III who said I needed to bring in {$30.00} because the BANK should have charged me {$50.00} per wire, not {$35.00}. So, the people who had all the control, and all the information made a mistake and are demanding that I make up for it. If I bought bananas at the grocery store that were mis-marked, I would pay the stated price ... Why am I forced to take all this time, effort, and energy to rectify their mistake? And do n't get me started on a {$35.00}, let alone a {$50.00} fee for wiring money to domestic banks!