23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXXreditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

My biggest problem I'm having with cashapp is bad customer services..When I called in to speak with someone about my ( Paper Money Deposit ) option begin removed without my consent doesn't make any sense..I asked customer service representative if he would reinstate my ( paper money deposit ) option he refused..I stated that it was once on my call when I received my card..I never instructed anyone to undo the paper money deposit option..So, why are you refusing to put it back into place? The male representative person didn't care about my concerns..So, asked to speak with an supervisor or manager..He stated that no else could help me and he just hung up the phone on me! And whenever I try to get someone else I always get this really RUDE male representative..So, I'm hoping to get a professional representative hopefully a supervisor or manager to help me with my concerns?
Product: Credit card

Filed a dispute with Synchrony Bank in reference to Lowes account in XX/XX/XXXX. Paid on bill since XXXX for 2 bathrooms remodel. Bathrooms are a nightmare and were never completed. Lowes stopped doing bathroom and kitchen remodels. They said this can only be settled through Synchrony. Original bill was {$22000.00}. In XX/XX/XXXX balance was {$18000.00}. I had already paid {$47000.00} by this time. I am 80 years of age and had never made a late payment. I contacted Synchrony Bank in XX/XX/XXXX and was told to file a dispute and just stop paying on the bill and cancel my card. I am now receiving mail every week, phone calls everyday all day demanding I pay off this account. They are penalizing me by canceling my Sam 's card which is also through Synchrony and ruining my credit record which has always been excellent.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 American Express convinced me to enter into a payment plan that I discovered the following morning eliminated my {$250000.00} Credit Limit. I have unsuccessfully tried to get them to unwind the loan for {$100000.00} and go back to our normal credit relations. They have told me there is nothing they can do, even though In told them I did not want the loan to effect my Credit Limit.  All communication was by phone. I would never knowingly agree to eliminating my credit line. 

Then on XX/XX/2020 they drafted {$5800.00} and {$30.00} from a business associates bank account that had previously sent them a check for my account. I never gave AMEX a bank account number to draft from. 

I have been told by AMEX they appreciate my 40 years of loyalty but won't do anything to resolve the situation.
Product: Student loan

This complaint is in regards to FEDLOAN Servicing and implementation of the Public Service Loan Forgiveness ( PSLF ) Program. Since my employment with local government in early XXXX to my federal sector employment beginning in late XXXX, I have had over 10 years plus of certified employment pre-pandemic and under the emergency COVID-19 forbearance period effective until XX/XX/XXXX. As of XX/XX/XXXX, FEDLOAN has acknowledged my application and has updated my qualifying payment counts to be over 120 payments for a total of 4 of my 5 Direct Loans consolidated with FEDLOAN. I have been advised my application for loan discharge of the remaining balance of approximately {$43000.00} is still pending as of XX/XX/XXXX submittal and XX/XX/XXXX correspondence by FEDLOAN servicing. I have filed a complaint with US Department of Education at StudentAid.gov. It is my sincere hope that my request for TEPSLF is expedited and the outcome is favorable for loan forgiveness under TEPSLF or under PSLF per. the XX/XX/XXXX waiver.
Product: Debt collection

Sent payment to the original collection company to settle the debt and have it removed from my credit report. I never received any update of the status of the account or my right to dispute the debt. I received a letter in the mail from portfolio recovery saying that I now owed portfolio Recovery. When I called portfolio and explained that I wanted validation of ownership of the account because it was to my knowledge owned by XXXX XXXX and didn't appear on my credit report, they then said they would start reporting the negative items to damage it until it was paid. I feel like I was taken advantage of and my rights as a consumer were violated and that they took predatory action wich damaged my ability to get loans and other forms of credit
Product: Mortgage

My husband (at the time) was away XXXX for a year, in XX/XX/XXXX-XX/XX/XXXX, decided to leave his family when he returned then filed bankruptcy in XX/XX/XXXX and the mortgage was my responsibility. I attempted for a year to get a loan modification with Greentree Mortgage, I was told to fax my information at least XXXX times, which I did,  they were behind in the servicing department. I called in XX/XX/XXXX to try to put the debt of my 1 year of mortgage payments onto the end of my loan and start paying each month in XX/XX/XXXX, to which I was told I would need to pay the balance of over $10K, obviously which I did not have. I spoke to a representative in VA Loans Department and was told she would get this resolved for me, i never heard from her again, I left several messages for about a month, faxed my information as requested, again. By the time XX/XX/XXXX came around, I was asked to fax my information again and instead I was able to get an apartment and move, I have XXXX kids that I had to move instead of being thrown out due to a foreclosure. The house remained vacant, I never received any letters about my house going into foreclosure, just statements saying balances that are owed and late payments, a letter from Greentrees attorney stating they will sue me for the remaining mortgage amount owed of over $180K. I attempted a Short Sale that fell through, nothing came of it since we needed so much work on the house and the amount we were selling for was way overpriced for the house. My house was ransacked XX/XX/XXXX, and all of our valuables, were stolen. We called the police and filed a report. After an investigation by our local police department, we found that Greentree sent in a Clean Up crew to winterize the house, change the locks, and cut the grass (which they only did half of the front yard) we had about $15K in valuables and personal property stolen. Filed a claim with our homeowners insurance and we need receipts for valuables that over 10 -20 years old, we do not have receipts! We got in touch with the clean up crew and they denied taking anything, yet all of our neighbors saw them emptying our home, and luckily took down their license plate number. Greentree denied sending them in, the clean up crew blamed Greentree. All of this going on and to date I still have not received a Foreclosure Notice. I was forced by this situation to file bankruptcy to resolve this mess. I  have proof of all of my attempts to file a loan mod available by date as I was faxing this information, names of the reps, phone numbers and departments they work in.
Product: Credit card

XXXX XXXX XXXX was hacked and my personal information, social security number, phone number, address, email address, and birthdate were compromised. This was then spread through the dark web and I know through my credit monitoring service that XXXX XXXX XXXX gave all customers complimentarily because of their data breach. I have tried to dispute this Kohls charge card through XXXX and it said that it was resolved but the card and balance associated with it was not removed. My credit score has now dropped XXXX points as a result of this oversight and stolen identity issue. Please help. There has also been a XXXX XXXX account that has been opened fraudulently that I have to submit my personal information for in order to be removed. XXXX XXXX XXXX  has ruined my life.
Product: Checking or savings account

I received a statement from HSBC having period XX/XX/XXXX to XX/XX/XXXX. This is the only statement I received since I opened an account on XX/XX/XXXX. 

I called on XX/XX/XXXX and spoke with XXXX XXXX XXXX ( the name may not be correct ). I asked to reimburse $ 50 monthly fee for the entire time ( more than 2 years ). He said that since the account was closed, nothing he could do other than reaching out to his supervisor. He gave me a reference number of XXXX. He told me he would send an email to his supervisor and copy me. 

On XX/XX/XXXX I called and talked to XXXX? since I haven't heard anything since XX/XX/XXXX. She offered to text XXXX to ask him to call me about my maintenance fee refund. 

I called again on XX/XX/XXXX and spoke to XXXX and was told that nothing she or HSBC can do since the account is closed. None of the 3 agents would reopen my account to facilitate my request. I asked XXXX to give me a phone number to complain. She said that I would need to find the help on my own. 

I didn't know that HSBC charged me a high monthly maintenance because HSBC never send monthly statement. I never used the checking service other than having direct deposit. I think it's reasonable to have HSBC to reach out to me that my account has been charged $ XXXX because my account balance is not high enough to have the fee waved. I leaned on XX/XX/XXXX that {$75000.00} is the minimum balance to have maintenance fee waived.
Product: Credit reporting or other personal consumer reports

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011.

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported.

We are now past the 7 year period and XXXX XXXX XXXX   continues to report the negative item on our credit reports.
Product: Credit card or prepaid card

I have had a XXXX  credit card for years with auto payment for balance in full monthly. This month they decided to all of the sudden charge me a late fee and interest and claim that I've never had auto payment setup. They are trying to ruin my credit score by removing my auto payment in full and in an attempt to earn  additional interest.
Product: Credit reporting or other personal consumer reports

I am once again reaching out to address the unresolved dispute that I have previously brought to your attention concerning inaccurate and misleading accounts. Despite my prior communications, your department has not adequately addressed the concern, and the presence of this account continues to have a detrimental impact on my credit scores.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX a payment of {$2300.00} from an insurance cancellation was applied to my account. I printed out a copy of my account summary that showed my next billing date was XXXX/XXXX/XXXX for the amount of {$160.00}. On XXXX/XXXX/XXXX, I made a payment so my next due date would be XXXX/XXXX/XXXX. My account summary continued to reflect a XXXX/XXXX/XXXX due date up until today, XXXX/XXXX/XXXX. And the system change the due date on XXXX XXXX one day before XXXX/XXXX/XXXX showing I have a payment due on XXXX/XXXX/XXXX for {$340.00}. I contacted customer service and the representative was n't able to help. She only offered an extension to the due date. I did n't need an extension. Had the system not showed my next payment was n't due until XXXX/XXXX/XXXX, I would have continued to make the payments on time like I have done for the past 2 years.
Product: Debt collection

I was a customer for XXXX. I had one open line for service. Every time the bill is mailed they always went up on my bill never told me just keep adding other charges that i never set up with them. the debt collectors would harass me every time calling by different numbers and being rude.
Product: Checking or savings account

I had my account suddenly by Chime. I called them and they said I had to prove who I was. I sent the required documents XXXX and they still refused to help me. Every time I called they said they couldnt help me I had to wait for their special team to email and they only do email. I asked for a manager or to speak XXXX that department directly and they would hang up. I had about XXXX saved up with them and they have everything.
Product: Credit card or prepaid card

On XX/XX/22, I called Bank of America to dispute XXXX " XXXX XXXX  Refund '' charges that I noticed on my card account ; the associate I spoke to indicated that a someone had called and impersonated me, asking for my last posted payments to be refunded to another account. The associate indicated that these were fraudulent charges and that the call was marked as a fraud attempt, but somehow the charges were allowed to proceed. The associate indicated that they would do an internal investigation, that there was no way to send me a record of the case or call itself, and that the fraudulent charges would remain on my credit card during the course of the investigation ; I stated that I was not comfortable with this approach, that I would prefer they remove the fraudulent charges, especially considering the fact that fraud had already been identified, and that they send me some verification via email to confirm that this case was opened and that they were in fact investigating the issue in good faith. I am filing this complain with CFPB as a secondary measure to track the issue and in the hopes that you can provide some assistance to me to deal with Bank of America on this issue.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX. They did not supply me proof of a contract. Im not liable for this debt. This action constitutes a violation of FCRA laws governing accurate information on credit report. I would like to pursue punitive damages as well
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX DOB : XX/XX/XXXX Last 4 SS : XXXX Date : XX/XX/XXXX XXXX Name : XXXXXXXX XXXX Recently I did an investigation on my credit report and found several items on them to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of reporting Whenever This section mandates that consumer reporting agencies implement sensible procedures to fulfill commercial needs for consumer credit, personnel, insurance, and other information. It emphasizes that these procedures must be just and fair to consumers, particularly in terms of maintaining the confidentiality, accuracy, relevance, and appropriate use of such information, in line with the stipulations of this subchapter. Essentially, it's about balancing business requirements with the rights and protections of consumers. 


Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccuracy or unvariable information in general if any reinvestigation This section mandates that consumer reporting agencies implement sensible procedures to fulfill commercial needs for consumer credit, personnel, insurance, and other information. It emphasizes that these procedures must be just and fair to consumers, particularly in terms of maintaining the confidentiality, accuracy, relevance, and appropriate use of such information, in line with the stipulations of this subchapter. Essentially, it's aovut balancing business requirements with the rights and protections of consumers. 

Please remove these items from my credit report immedtiately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Information is Incorrect and Did not sign a contract with this company. Please remove this immediately.
Product: Credit reporting or other personal consumer reports

Please assist in getting medical debt removed from all XXXX credit bureaus according to the new law that was put in place by XXXX XXXX & the CFPB. I have XXXX medical bills that are impacting my credit. 

XXXX. 
Name : XXXX XXXX XXXX  XXXX XXXX Account # on credit report : XXXX Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # on credit report : XXXX Opened : XX/XX/XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I was alarmed to discover that my credit report has been misused, with applications made in my name and companies accessing my credit report without my consent or authorization. I do not recognize these fraudulent inquiries, nor did I ever apply for or approve them. This blatant violation of my rights as a consumer is deeply troubling and unacceptable, especially as a law-abiding individual. The situation is both distressing and insulting, and it has left me feeling frustrated and powerless.
Product: Mortgage

***urgent help needed *** PHH , servicer for XXXX illegally Forclosed on my home on XX/XX/XXXX violating RESPA , Dual Tracking, & Due Process. I am requesting Void/Cancellation of the forclosure sale that took place of my home and causing severe XXXX  and XXXX for me. For seniors is there an Elderly Financial Exploitation claim I can make? This is blatantly unlawful right? Despite ME reaching out 3x on 3 different days nearing the 'sale date ' then I was never replied to by the bank 's representative NOR the banks legal representatives. I emailed Legal and the rep at PHH asking them who will put in a cancel ( this 'cancel ' has been done before. ) It is clear PHH/XXXX NEVER intended to 'help ' after numerous mailings to me to the contrary and confirming receiving my documents within the time frame ALL documents. I keep documentation ask me! Imagine, NO ONE available to offer me legal advice, pro bono is too " busy '', and I know no one to ask for help and given the history & XXXX. of XXXX, I felt they would pull this but I was helpless to the devastation which lay before me. XXXX perpetrated fraud. I still never got an answer. So after an emergency petition I have a hearing XX/XX/XXXX without a lawyer not knowing what to say. Can anyone Assist on what I should do please or next step? Please I am Senior at XXXX & love my home of 19 years and no place to go!
Product: Mortgage

I have been working with Royal United to refinance my Mortgage, communicating with representative XXXX XXXX on XXXX. He connected me with the XXXX XXXX XXXX XXXX to have my house appraised on XXXX. I mentioned to XXXX XXXX that the fee was high XXXX for my XXXX square foot home, but he stated that the fee would be rolled back into the loan. After the appraisal came back, it came back less than what they had estimated. I received a letter from XXXX saying that the dispute of the appraisal was denied, so they stopped any further communication with me, despite my emails and attempts to recover the original appraisal fee of {$530.00}, they also have not replied to my complaint on the XXXX Lastly as a XXXX citizen and Veteran with a fixed income and a XXXXt that requires medical attention monthly do to XXXX XXXX there actions have left me in financial hardship!
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are trying to get pre-approved for a mortgage. We both have credit karma accounts. Our lender is not able to pull our reports due to a firewall credit karma has placed on our accounts. Now our pre-approval is sitting in limbo. We have contacted credit karma several times over the last 7 days and have not been contacted by Credit Karma to resolve the issue.
Product: Mortgage

We were pre approved for XXXX$ by freedom mortgage on XX/XX/2019. 1 week before my closing date which was set for XX/XX/2019 they decided to wait to 2 weeks to tell us that the loan was not completed but if we go through the process that our new settlement would be XX/XX/XXXX. they were missing documents that our previous agent already had but did not forward to the new loan officer XXXX XXXX. They needed these documents because apparently we didnt have a loan at all and that we essentially needed to do the pre approval / loan over again as we were under the assumption this whole time that we were pre approved and granted the loan preparing to move in. That was not the case. My wife had to contact them to find all of this out at the last second. They claimed to have tried to contact us via phone, there number comes up as a scam also they never once called from a freedom mortgage line. Thankfully the sellers extended our closing date by a week. Throughout this whole extra time they stated we needed additional information and guaranteed us that once these items were cleared we were able to close. We have been very responsive in which any documents needed and promptly had it sent over. Freedom mortgage continued to push that it was "one thing than CD would be issued".  Another week passes and they (the sellers) grant us another week till closing. Again still no loan still no answers. The agent even sent over private information to the sellers agent without our approval. Now its XX/XX/2019 and now I have no pre approval, no home loan, and no house because I sold the previous one because I was PRE APPROVED. Had to go through atleast 6 agents including XXXX the VP of Sales, XXXX XXXX VP of Sales, XXXX XXXX, XXXX XXXX, XXXX XXXX not including the underwriter for this to happen and yet we were told me was "theres nothing we can do for you sir". We even asked if we do not approve this loan, what do we approve for. Again, they stated we do not qualify for anything. We have had complete disrespect. Not once did they acknowledge that I'm a veteran. We are a family of five with XXXX young children now homeless without a loan, lost our potential home, and yet nothing to assist from their mistake and misleading information. Please help as I wish for this not to happen to another veteran, we go through enough stress as it is.