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

On XX/XX/XXXX, I was notified that a decision was made about an application for a XXXX XXXX with American Express. I attempted to contact them to explain that I never requested this, but the hold time was too long. 

On XX/XX/XXXX, I received an email stating, " As requested, we've added XXXX to the Additional Card account for XXXX XXXX ( Card ending in XXXX ). '' I later received an email stating, " Your Additional Card Member request has been approved. '' I contacted American Express on XX/XX/XXXX and explained that all of this was fraudulent. I told them that I don't know XXXX XXXX and requested to speak with their fraud department. This was received in my email- ( Our records indicate that either you or an authorized party had contact with American Express regarding the account status on XX/XX/2022 and spoke with XXXX. ) On XX/XX/XXXX, I received the card for this person and immediately contacted American Express to discuss this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Product: Mortgage

I have been working with my lender Wells Fargo in regards to loss mitigation options. I have sent in all information and documents they have requested and was just informed last week on XX/XX/2016 that they are requesting a occupancy bill for my renter. I did send it to the lender and they are unable to tell me if they will be postponing the sale or not and not giving me time to consider other options. I am now afraid my house will sell because I can not leave my job to go file a bankruptcy with the sale being tomorrow morning.
Product: Credit reporting or other personal consumer reports

During the XXXX pandemic, the lender provided accommodations on my loan due to a hardship. The loan was reporting late XXXX  times and repossessed. The account was brought current XX/XX/XXXX and per section 4021 of the CARES Act once the account the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. On previous CFPB complaint # XXXX the company responded to the by saying " We have reviewed our members tradelines with the XXXX nationwide credit reporting agencies and noted a discrepancy. We will submit a request to the XXXX credit reporting agencies to update their records. '' The changes that were made was a removal of the repossession. The XXXX  payments are still reporting. The Cares ACT was continued into effect until XXXX  months after the XXXX XXXX ended XX/XX/XXXX. Well past the timing of the XXXX  payments in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, as well as the reporting agencies have violated my rights. I am promised the accuracy of my credit report by Federal Law and I am making another attempt to have these errors corrected on my credit file under 15 US Code 1681.

The facts related to and the reporting of said accounts are inaccurate, false, and misleading. They are causing undue stress and violating my rights according to 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Orginally I had an   XXXX   XXXX   XXXX    (    XXXX   XXXX      spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my credit score went up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?
Product: Mortgage

We have a mortgage through Cornerstone Home Lending that was closed on XX/XX/XXXX. We set up escrow at the time that the loan was closed on and have been paying extra into the escrow account since the loan 's inception. Our county sent our XXXX property tax bill to them, there were 2 bills sent due to the way the property is set up. Cornerstone paid the first payment XXXX {$950.00} XXXX in XX/XX/XXXX out of the escrow account but ignored the 2nd bill, which was due before XX/XX/XXXX. 

We received a delinquent tax notice from the county ( XXXX ) on XX/XX/XXXX due to the 2nd bill ( {$750.00} ) not being paid. We contacted Cornerstone, informed them, and sent the delinquent tax notice to them on XX/XX/XXXX. They indicated it would take 10 business days to research the issue. The money is in the account to pay the bill ; however, they have yet to pay it despite several follow up calls. Cornerstone has told us multiple times they will pay the bill out of our account and they will cover the late fees and to check back with them in X days. The last call with them, they said it would be paid on XX/XX/XXXX and that batch processing would process and it would show as paid on XX/XX/XXXX. As of XX/XX/XXXX, the bill is still unpaid and has additional late fees added to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and I am unable to get through a live person due to the fact I dont have an account with this company and I never authorized for my credit to be ran XXXX Date Filed XX/XX/2017 Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was informed by bank that my account was being acquired by Citizens Bank, and I was fine with the transition. After the account was set up with Citizen, I inquired and found out that there would be a monthly recurring charge. This was not disclosed when I was informed of the transition. I asked Citizens to close the account and refund my balance in XX/XX/2022 via check. I followed up two weeks later and there was no change. I again made the request. About a week later, I see online that it was closed. About 3 weeks later, I had not received my refund. I followed up and was advised by an agent via chat that could not provide a status on my refund. I asked that the matter be escalated. I was told that it would be directed to the Chairman 's Office and I would get a phone call in 2 business days. It's about a week and a half later and no one has contacted me.
Product: Debt collection

Hello, I now have a Cedars Business LLC debt for {$15000.00} on my credit report. My wife and I had many fraudulent bank transactions years ago that we disputed and also filed police reports in XXXX, AL. I contacted Cedars Business LLC a year or so about this when they sent me letters. They had invalid date of births, addresses, etc for myself and my wife. They started by saying we owed them XXXX but then lowered it to XXXX. I told them they could contact XXXX, AL police dept. to get my police report to show that we had fraud. This is all valid. I never heard back from Cedar Business llc and as of XX/XX/year>24. My XXXX  credit is showing a derogatory remark for {$15000.00} that we do not owe. An affidavit was filed with our bank and local police dept. to dispute the fraudulent transactions. What can I do to get this resolved? My credit score was in the high 700s and I want to keep it that way. This has lowered my score tremendously.
Product: Credit card

On XX/XX/2024, I received a Citi credit card in the mail that I did not sign up for. I requested that the card be canceled as I did not sign up for the card. In the beginning, the reps were questioning me and asked me several times if I was sure I didn't sign up for the card -- why would I sign up for a card that I don't want? The said they would cancel the card and would handle contacting the credit bureaus. I asked for a confirmation or reference number and they would not give me one, so I have not way to verify that they are really canceling or contacted the credit bureaus on my behalf. They said it was a security risk to give me a reference number.
Product: Debt collection

I noticed several things in on my credit report that have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. 
According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

debt company agreed to remove from credit report once paid in full. Debt paid, but company still reporting debt. Please remove debt per agreement. I have a whole new walmart card. if walmart approved me for a new credit card why are you reporting an old account, that XXXX agreed to remove once paid.
Product: Credit card

I have sent numerous correspondences to several departments that have been ignored. As servicer for the account, Discover is supposed to settle the account balance accordingly every month after receiving my endorsed instrument, then communicate certain instructions to their Indenture Trustee, per the Trust indenture. Discover still has not credited my account via the electronic funds transfer act for the dividend payment that it made from the Treasury Coupon. I have followed all instructions in the Trust Indenture for instrument endorsement and delivery / notice. Furthermore, Discover sent a letter regarding closure of my account for no reason. This is being taken as an adverse action that I do not agree with. As it stands, I provided Discover with receivables / assets of value that were sold to its XXXX and then sold and pledged to its XXXX. Generally accepted accounting principles state Anything accepted by the bank as a deposit is considered as cash. Therefore, Discover deposited the receivables for CASH VALUE from the Treasury, and has not returned anything back to me of value or properly credited my account. This signifies fraudulent conveyance, violation of their trust indenture and fiduciary duties, and an uneven exchange. Per the prospectus, my receivables are being used as a significant source of funding to support the Banks business, including supporting the notes the Trust issues to investors. I have allowed the Bank to do so with no adverse action, but as a beneficiary I should not have to bring this to their attention. They should abide by their prospectus, trust indenture, XXXX, XXXX, and other forms on file with the securities and exchange commission regarding their fiduciary duties. Valuable consideration was taken through my receivables, and it has not been provided back to me. My current card should remain open and usable, and the account properly settled. If Discover remains in violation of their fiduciary duties, I will have no choice but to open claims with ALL of their regulatory agencies for these violations, file a suit in XXXX  XXXX XXXX, and file Form XXXX naming the Bank and all affiliates listed in the prospectus that have handled my receivables. I also expect to receive the contact information for the proper department to ensure my account is taken care of accordingly. I pray these matters will be handled in good faith.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX that Ive made payments monthly from my XXXX XXXXXXXX account was mistakenly reported as fraudulent. I sent numerous affidavits stating it was a mistake and the account I was paying on through my XXXX XXXX XXXX account monthly was mine. I was told the card was being investigated, not closed and then it was restricted, still not closed. I tryed making a payment to the card this month but it was restricted and therefore was unable to. I received a call from an account specialist from XXXX XXXX stating I was being issued a new card with my balance transferred but the account wasnt closed. However, i received an email from XXXX saying XXXX XXXX rejected the card closed, fraudulent but issued another card and now all my credit history was wiped out! Which I can prove I made payments. This goes against the FCRA and my rights to correct reporting! Im trying to buy a home. This was an error in the CFPB sending the wrong information to the wrong card as the XXXX is mine-now theres inaccurate reporting being done to the bureaus and it needs rectified! The account was never closed! The balance was transferred and the account is still active!
Product: Checking or savings account

I had an authorized charge from a XXXX website for {$100.00} called AND solutions and PayPal refuses to refund me
Product: Credit reporting, credit repair services, or other personal consumer reports

1. OnXX/XX/XXXX, BANK OF AMERICA add a hard inquiry on my credit report per XXXX.

2. On XX/XX/XXXX, BANK OF AMERICA add a hard inquiry on my credit report per XXXX.

3. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX.
Product: Debt collection

I called the number they left, and told them I do not have any debts and therefore there information was not correct. They wanted personnal information, but I refused to give it to them. They still keep calling.
Product: Credit card or prepaid card

I made 3 separate purchases with my card from ALLY bank. These were all from the same merchant XXXX XXXX XXXX. The first purchase was for {$570.00} on XX/XX/2020. The second purchase was for {$2100.00} on XX/XX/2020. The third purchase was for {$2900.00} on XX/XX/2020. These purchases were never received or even shipped out. I was billed for merchandise I have never received. Under the Fair Credit Billing act, I am legally allowed a reversal of the charges from these funds since I have never received them. I opened a dispute with my bank ALLY and they never allowed me to talk to the dispute team one time to explain my situation. They denied my dispute and did not give me any funds back. I was unfairly billed for merchandise I have never received. I contacted the merchant several times and was only given a response one time. The merchant said " We have responded to your dispute in order for you to win what is a valid dispute. '' Ally then sent me a letter a month later in late XXXX stating that a refund will not be given. I have been trying to call Ally for a month now in order to reach the dispute team but have failed every time. I have taken all the actions necessary to win this dispute. Ally is not helping their customer at all. I would really appreciate if someone else could step in and investigate. Thank you.
Product: Credit reporting or other personal consumer reports

Multi people have had used my personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maybe even 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 There are multiple people on my credit report that I don't know of again these are multiple police reports and they have forged our marriage license as well sending mail to previous addresses that didn't have cameras XXXX XXXX XXXX XXXX  tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX home loan under my XXXX XXXX XXXX XXXX XXXX XXXX has worked for the IRS has a master in accounting she does income tax. There Money laundering through other people XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc they have copies of my driver 's license and social security card duplicated. She has been caught in XXXX  for XXXX XXXX XXXX XXXX XXXX under my information XXXX XXXX XXXX
Product: Student loan

In XX/XX/year> I received federal student loan discharge and refund approval for attending a the defrauded XXXX XXXX XXXX XXXXs. I've been in contact with both my loan servicer, Nelnet, and The US Department of Education. Nelnet claims that the decision is on the DoE to finalize the discharge and release the refund. When I call DoE, they said Nelnet is the servicer of the loan so that they should have all the information ( timing, status, refund amount, etc ). When I called Nelnet to relay the message, they insist that its not their responsibility and the burden of information belongs to the DoE. 

I check the news and group chats about the issue weekly. I see that people in the same boat as me are able to get status and refund updates. Why can't I? 

If XXXX XXXX XXXX has been found liable for the harm caused to borrowers, and notices can be found in both Nelnet and DoE inboxes, why is it so hard to get clear answers about next steps. I feel like Im gon na fall between the cracks waiting for funds that can be used to go XXXX XXXX XXXX pay for debt, getting my life back.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 90 days Equifax refuses to correct my credit report. Currently they have me with two home mortgages.. One with my Bank which XXXX XXXX XXXX Bank for a total amount of {$91000.00} and a second mortgage with XXXX XXXX XXXX XXXX XXXX Mortgage. XXXX XXXX  has the same account number as XXXX XXXX bank, # XXXX. The reason Equifax will not remove it after several bank letters, phone calls and additional disputes filed to Equifax. Number XXXX. All because XXXX reports a different balance. Their balance is {$88000.00} and XXXX balance is {$91000.00}. Same loan number. Equifax claims that since the mortgage companies have different names and different amounts they can not remove it. The reason for different amounts is that they file separate reports at different dates causing different balances. So as of today instead of having one mortgage for only {$91000.00} my Equifax reports currently shows that I now have three mortgages for a total of {$220000.00}. Additionally they have not removed a second mortgage from my grand totals. I paid off my second mortgage on XX/XX/2020 for a total {$48000.00}. So my credit is totally damaged, my total score went down from very good to good just because of the above errors. I'm not able to secure better interest rates because of Equifax failure to correct what my bank has asked them to fix three different times. Equifax does not care about the consumers and a complaint needs to be lodged so other know how they are damaging consumers by total negligence.
Product: Credit card

The number on the card is 12 and any where you try to use it it says the number is not complete. They put a phone number on the card yet you dont get anyone to talk too. I feel like is a scam. Please help me get my money back.Thanks
Product: Credit reporting

I would like to check my credit report but I am unable to do so because none of the questions nor answers pertain to my history. I suspect they 're must be an issue due to identify theft. I need more information as to what my next step should be in order to get my report and if they 're is fraud I can get this straightened out sooner than later.
Product: Credit reporting or other personal consumer reports

I received a voice message on my business phone from Transworld Systems , Inc. I called back on XXXX XXXX @ XXXX XXXX, and spoke to a supervisor and informed her that I had not received a bill from XXXX XXXX XXXX. Within the next 2 days, I received the letter from XXXX and TSI. When I spoke to the TSI representative, she gave me an email. I sent a letter and told them that XXXX did not give me the 30 days to set up a payment plan, and their letter is dated XXXX XX/XX/year>, and TSI 's letter dated XXXX XX/XX/year>. On XXXX XX/XX/year>, I called XXXX and asked to speak to a supervisor and I was told she was not avialble. I again have attempted to call, but due to the hurricane storm, none of the XXXX lines are connecting.XXXX XXXX failed to give me 30 days to call and set up a payment plan for the balance due. Rather, within 3 days they sent the debt to collections. Let it be known that this is the 2nd complaint against this company. Just like all of their previous customers before me, and the reason why they are always being sued is that they fail to follow federal guidelines. Please let them know that I am going to file a complaint with the State of Texas Attorney 's General as the have not learned thier lesson with attempting to ruin people 's credit.
Product: Credit reporting or other personal consumer reports

Ive had a line of credit account opened with AF247 for over a month. Ive paid necessary fees, made payments on time, and kept low utilization. I recently received my first statement, however customer support was not able to tell me directly when my new account will be reported to the credit bureaus. AF247 needs to update this information immediately to all 3 bureaus, as I opened this account and have been keeping it in great standing for the purpose of building my credit.
Product: Credit card or prepaid card

I received an unsolicited Visa Debit card from US Bank - Reliacard for " unemployment benefits ''. I did not apply nor want this card. Unable to contact company via phone numbers provided unless I activate the card. Per my son and online information, it indicates that this is a scam and not to activate the card. I am unable to contact the bank at any of the number provided - unless I activate card or on one number they indicated a wait time of at least 30 minutes. I need to know how a debit card was issued in my name and what information was used to obtain it. I feel violated and need to know what further steps to take to protect my name, date of birth, Social Security number. I need written verification from US bank indicating that this card has been cancelled and none of my information will further compromised by the bank or the person who perpetrated the fraud.
Product: Credit reporting

I have asked Equifax repeatedly over the past few weeks to remove dispute comments off my account. These are MY dispute comments ( and the dispute is closed ) so it is MY information to delete. The other XXXX major credit reporting bureaus did this for me immediately, but all Equifax will do is add another dispute to these accounts, to dispute my dispute comments. This is even worse! I need these dispute comments taken off immediately.