23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Stearns Lending over paid our 2016 taxes by over {$10000.00}. They then increased our monthly payments {$1500.00} a month and continue to overpay our taxes. This is causing hardship for our family. I have been calling them for three months and ca n't get this resolved. We do n't know what to do as no one seems to be able to resolve the issue. Our only option would be to refinance - in this market we would get unfavorable rates. It 's unbelievable to us that this can happen!
Product: Credit card

Looking over my credit report, I noticed there was still an account reporting on there. The account was paid and closed back in XXXX 2006
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XX/XX/XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXXn cant provide to myXX/XX/XXXXdaughter PLEASE HELP ME PLEASE
Product: Credit reporting

I had a hard inquiry from XXXX on XXXX XXXX which I did not initiate.
Product: Credit reporting

I HAVE SENT XXXX REQUEST FOR A FULL FILE DISCLOSURE TO CORE-LOGIC/CREDCO AND EACH OF ITS SUBSIDIARIES AND PARENT COMPANIES, REQUESTING A FREEZE DUE TO THE IDENTITY THEFT ALONG WITH A PLETHORA OF LAW ENFORCEMENT REPORTS. TO ABSOLUTELY NO AVAIL. THIS IS ABSURD AND NEEDS TO BE CORRECTED IMMEDIATELY AS ITS A VIOLATION OF THE FCRA AND FACTA AMENDMENTS GOVERNING RED FLAGS AND ID THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage credit history was 100 % and always current. We refinanced and the history of XXXX years of perfect payments dropped and tanked my score due to length of credit history which should be 30 years. This is unfair! Now it says 4 year history.
Product: Credit reporting or other personal consumer reports

Hello, Wakefield and Associates are reporting incorrect information on my credit reports. I noticed they were listed as a collection and immediately called them. Upon calling, the representative advised the bill was from an emergency room visit. Since I've always carried insurance, I thought this would be an easy fix. I contacted the emergency room hospital financial services department who advised this bill was taken care of through my then insurance. I then contacted Wakefield and associates to advise of the mishap. the representative continued to try and collect on a bill that I advised the original creditor has verified was satisfied through the insurance company. Please help as they are bullying me into paying funds I do not owe.
Product: Mortgage

Wells Fargo and its 3rd party service provider, XXXX, have asked me more than 5+ times to provide proof of homeowners insurance on a recently purchased home, going so far as to threaten me with force-placed insurance, which will cost me more and insure me less than the insurance I already have. Despite proving to them on multiple occasions that my apartment is fully insured, they keep asking me for more information. 

I have sent them my past insurance policy info, my current and future policy info, they've even asked for my apartment building 's insurance info. I had to ask my landlord for THEIR insurance policy, all of which I've chased down and handed to Wells Fargo. 

And yet I keep getting threatening letters from Wells Fargo telling me I haven't provided my coverage info, despite the fact that my policy clearly states what dates my home is insured and lists Wells Fargo as an additional insured interest. 

Even before any of this happened, I emailed Wells Fargo back in XXXX 2021 telling them I was changing insurance carriers. Then when they started contacting me in XXXX, I've gone to their website to upload the information, I've sent them emails with my info ( with policy info attached ), I've called their service line, I've even emailed my original mortgage banker to get help. But for whatever reason none of this seems to work and it has been months dealing with this issue. 

Wells Fargo needs to get its mortgage operations in order and find a better way to update and keep current its information so it can stop sending me a deluge of requests. For your convenience, I have attached all my prior written correspondence - you will find at least eight ( 8! ) acknowledgements from Wells Fargo that they have received information from me via their online portal, as well as 3 emails I have sent to them with detailed info enclosed.

As you will see, I already gave them everything they wanted in my first email to them, and yet they keep coming back asking me for repetitive, duplicative requests that clearly reflect a breakdown in their own systems and processes. 

And once again, I am also enclosing proof that I am insured for the period of time they asked for, as well as for the year to come. Please make it stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : AMER FST FIN XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of tXXXX. The information listed below, which appears on my credit report, is the result of that 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX  assigned XXXX XXXX XXXX to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XX/XX/XXXX to  present. 

- I have explained my concerns and offered my criteria to XXXX. XXXX, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 

- Personally, I have contacted by phone many times XXXX XXXX XXXX in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with XXXX and either the 3 credit bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX
Product: Money transfer, virtual currency, or money service

I currently have an account with kraken  XXXX XXXX, where i hold approximatley {$50000.00} XXXX crypto.I have been attempting to log in, I am being told that my account is disabled, and suspended.Its been a month now since this occurance.I have spoke with customer support at kraken.I have been told that it has been referred to their security dept.At this point.i feel that I have to take some action.My fear is that my account ill be cancelled or deleted.Can you help? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022
Product: Debt collection

Southeast Toyota Finance illegally repossessed my car which was not delinquent in any manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Delete for Violation 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX  5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

*See Attached Docs Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after numerous written requests is also evidence of your willful disregard of Federal Law.
Product: Credit reporting or other personal consumer reports

My current student loan servicer is with XXXX and EdFinancial was my previous servicer. My student loan was transferred to XXXX from EdFinancial. However, EdFinanacial is still reporting my balance that I have an open account with XXXX. I have XXXX also reporting my balance to XXXX too. My student debt balance is now reported as double on my credit report on XXXX, one from XXXX and one from EdFinancial. Ed Financial refuse to close my balance with them and indicate it was transferred to XXXX. The double reporting of student debt has a negative effect on my credit score. 

I've attached a copy of XXXX report that EdFinancial justified that my student loan debt is still with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items in m y 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report that would like removed. 
Here are the companies below, XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid off my XXXX account on XX/XX/XXXX but it was reported delinquent XX/XX/XXXX for some reason and this is reporting negative on my credit.
Product: Checking or savings account

The bank is trying to charge me a NSF or Overdraft fee for three transactions that already posted to my account as of yesterday and was reflected in my end of business day balance.
Product: Credit reporting or other personal consumer reports

On date of ( XX/XX/2024 ) I contacted XXXX XXXX, XXXX, & Experian about accounts I didn't recognize on my credit report. However the inaccurate accounts are still present on my report. Neither Credit Company responded to my dispute.
Product: Checking or savings account

I fell victim to a job scam, instead of receiving help from my bank, Bank of America, they decided to close my accounts, and my husband 's account. We are unable to pay for our bills at the moment. 
Details : I was contacted by a recruiter on behalf of a company called XXXX XXXX, mintus.chat, based in the XXXX. I went through the recruiting the process and was hired last XXXX XXXX XXXX 
Job Title : XXXX XXXX XXXX The job required opening multiple cryptocurrency accounts with Exchanges in the US to try the platforms in order to better assist customers with their operations. 
The exchanges would be linked to the XXXX chat app where customers would be connected. 
The first month was supposed to be a paid training : In order to use the platform the company through my manager, XXXX XXXX, would send me funds to do operations then report how the operations went. Then I had to sent the cash to their BTC account. 

I checked that the company actually exists, and no money was asked from me during the process, so I did not think it was a scam. The first operation on XX/XX/ was a bank transfer. I was asked to withdraw XXXX dollars cash to deposit in a bitcoin ATM. The transfer to their digital wallet was successful. The second wire transfer came the next day for XXXX Dollars. This time my manager requested that I used XXXX and XXXX XXXX. I had difficulty using the apps because my card kept being declined. XXXX, my manager then asked me to withdraw the amount cash from a branch, then do the same operation as the day before. 

At my Bank of America branch the teller told me that my account was flagged for a fraud alert. My account was frozen for my protection as stated by the bank as they were investigating the situation.

I contacted the manager immediately to figure out to get the issue resolved. She promised that she will contact the investors, and that there were no problems with the wires I received. 

For a week, the manager kept in touch through XXXX, asking about the situation. The bank refused to communicate with me. As soon as I sent the job contract and the documents justifying the transactions, Bank of America froze all my bank accounts and my husband 's account as well. Bank of America justified the closure due to crypto operations and that they switched to a no crypto currency. 

The XXXXs manager, stopped communicating as soon I informed her of the frozen accounts situation. By then, I was left with the conclusion that either XXXX XXXX XXXX, or the person who initiated the wires is a scam. 

Bank of America locked me out of my accounts, which put me in a difficult situation at the beginning of XXXX since I use my account to pay my bills. 

After a month of work, I did not receive any compensation for my work from XXXX XXXX, and I am yet to know about the outcome of the aforementioned wires. 

I have the job contract, the email communication with the recruiter and the XXXX company with their official email, as well the entire XXXX communication with the manager via XXXX. 

Any help will be appreciated. 

Thank you, XXXX XXXX
Product: Checking or savings account

My XXXX account has been deactivated by Ally Bank for security reasons. I understand why it was deactivated. Ive tried to contact them multiple times over the course of 48 hours to get the XXXX account reactivated but Ive been on hold for over 45 minutes four times with no answer. Ally Bank has not responded to direct messaging on their app. They do not have in-person branches so my only recourse is to wait on hold for hours at a time. I reached out to Ally Bank on their social media channels with my name and phone number with no response.
Product: Credit card or prepaid card

The Cabelas credit card was taken over by Capital One about 12 months ago, on or about XX/XX/XXXX. For the first several months after the cutover, billing statements were coming out showing past-due amounts and associated fees and interest when in fact accounts were not past-due. For the first several months between XX/XX/XXXX and XX/XX/XXXX, I called Capital One to explain the issues. At first the representatives didn't understand the cutover problems, but in time, they realized them and made credit adjustments to the accounts to reverse fees and interest. In XX/XX/XXXX, they sent me a formal letter stating they were processing adjustments to correct the account. Ever since then, the new card issuer, Capital One takes longer to post payments to the accounts, this in part as I have come to realize, is partially because while the original card issuer could receive electronic ACH payments initiated from my bank, the same electronic ACH payment ( oddly ) can not be done initiated from my bank to Capital One, therefore my bank sends out a check payment. In XXXX of XXXX, my payment due date was XX/XX/XXXX and my payment dated XX/XX/XXXX, was not posted until XX/XX/XXXX. When I called to query the timeliness of posting credits which culminated in respectfully requesting an adjustment due to seemingly untimely posting, the card issuer refused citing the prior " courtesy adjustments '' they had given me on/about 12 months ago during the period XX/XX/XXXX to XX/XX/XXXX. I highlighted that those adjustments were due to the credit card company cutover, not due to me not paying timely -- a point which the supervisor of the initial representative I spoke to, totally agreed with. In the end, no adjustment in the form of a {$27.00} late fee and {$1.00} in interest was made ... the amount allegedly past due was {$130.00}. I'm curious if there is a standard for how long a credit card company has to post credits to the cardholder 's account after the payment is received. In this case Capital One seems to be preying on people whose banks submit check payments on their behalf ( in my case the previous credit card issuer for this account was able to receive electronic payments from my bank ). The representative and supervisor I spoke to highly encouraged a direct ach draw from my bank account to alleviate my concern with Capital One 's timeliness in posting credits ; however, I explained to them I choose to maintain positive control in reviewing account statements and actioning payments myself through my bank.
Product: Credit card or prepaid card

I opened an Amex Hilton Aspire card in XX/XX/2020 and paid my federal taxes ( like I and countless others do every year with a rewards earning credit card ) in XXXX. I met the minimum spend within the 3 month timeframe to earn the XXXX Hilton bonus points. 

After noticing it was taking longer than usual for my bonus points to post, I contacted Amex via chat on XX/XX/XXXX. The agent said to not worry because I met the minimum spend and to wait 8-12 weeks. I was told this again when I inquired later on XX/XX/XXXX. 

I contacted Amex again on XX/XX/XXXX via chat and was told my tax payment did not count towards the minimum spend and the time to meet the requirement had passed. 

In summary, Amex told me I met spend back when I contacted them in XXXX, then later told me I didnt when I contacted them at the end of XXXX. Also, they did not acknowledge that it was their fault that I didnt make spend. 

1. Their terms and conditions do not say paying taxes doesnt count towards minimum spend. And a simple XXXX search will show others have paid taxes and received the bonus. 

2. If the agent would have told me during our XX/XX/XXXX chat that minimum spend was not met, then I would have found a way to meet the requirement by the deadline. Instead, the agent told me I had met the spend. 

I have argued this with them to no avail since XXXX. Amex does not hold itself accountable for stealing what belongs to me.