23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I lost my job XXXX XX/XX/XXXX during the pandemic. and fell behind on my mortgage payments in XX/XX/XXXX. I contacted select portfolio mortgage company and let them know the situation in XX/XX/XXXX and ask for a mortgage mortification or any help i can receive from them. Select portfolio advice me that they were working on sending me a package as well as working on getting information from my previous mortgage company green box mortgage. I never received any package from select portfolio however they reported my missed payments to credit reporting company. In XXXX I received a call from them telling me that they were giving me a forbearance from XXXX because of the snow storm since I was in a female area. Im still waiting to hear from my mortgage company for a forbearance from XX/XX/XXXX. I can not seem to be able to speak to anyone at this company who understand the situation and can give me the answer to my question. They have now canceled me escrow account which was created to pay my insurance and taxes. I am paying my home insurance every month now because they have refused to pay it. I need help with communication with this company. I need an extension on my forbearance as well as them removing the reported miss payments to the credit reporting company. This company is not helping and I do not want to loose my home. The pandemic had a toll on me which caused me to loose my job. I had to take a job I XX/XX/XXXX for half the pay i was previously getting but that's what I had to do to get back into the work force. Select portfolio is not working with me and I do not want to lose my home.. Please help.
Product: Debt collection

I had a loan with Harley Financial for a motorcycle that I wrecked before it was paid off. The bike was totaled out, however, I had GAP insurance through Harley Financial ( the company I also had the loan through ) which would cover the remainder of the loan if the bike was totaled in an accident. Well that is exactly what happened, the bike was deemed totaled. With that said, Harley Financial did at first, submit the payment to pay off the loan in full through my GAP. However, they then came back after the fact and reversed said payment, and then submitted a payment for a lesser amount leaving me a balance of around {$950.00}. They then said that I owed them that {$950.00} and started reporting this to the credit bureaus and sent it to collections after NEVER calling me about it. Well in the last year, I even hired XXXX XXXX XXXX to assist me in getting this resolved, but after several conversation and letters sent to Harley Fin.,  they refuse to stop reporting. They could not even explain why the initial payment was reversed and the smaller GAP payment was submitted. They just kept answering the question with " Sir, as of right now you owe us ... '' and never giving me a reason as to why I owed this money when it should have been paid through GAP. This is false reporting to the credit bureaus on my SSN and they need to be held accountable since they refuse to work with me or the agency I hired to get this resolved.
Product: Debt collection

I was negotiating a settlement with Pressler & Pressler regarding a XXXX XXXX account. After submitting my hardship proof and making numerous calls, with no callbacks, I was told that they faxed a 'payoff ' letter to XXXX XXXX XXXX who was NOT and is NOT representing me ... he was representing the bank on my foreclosure. I repeatedly called Pressler regarding XXXX party disclosure and violation of the FDCPA and I could never get anyone on the phone -- left numerous messages to no avail. When they told me what they did I immediately advised that they were in violation and I was basically told 'big deal ' and the call was terminated. I have attached the letter I have sent to them, but I wanted to go on record in case I still get no satisfaction.
Product: Credit reporting or other personal consumer reports

I am trying to purchase another home. I then seen that there were damages to my report. According to the 15 USC 1681 law there should be no damages on my report. This is deffamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX. I have tried to fix my name as I showed it appears as XXXX XXXX XXXX and XXXX XXXX XXXX my birth name is XXXX XXXX XXXX but I got married 3 yrs. ago never used the name previously mention. I am trying to purchase a house and that 's how I notice I have different inquires from different companies I have never inquire an account and also different dealerships I have never applied for. Please help me as I mention before I am trying to get a house. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX / ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ID XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NM XXXX / ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate, fraudulent inquries, negative and outdated items from my credit reports, that is result in identity theft being exposed to multiple data breaches According to my rights under the Fair Credit Reporting Act ( FCRA ) SECTION 623 ( a ) ( A ), i am entitled to dispute and correct any erroneous information that adversely affects my credit standing. the fraudulent activity has severly impacted my credit, and i seek prompt resolution to rectify this situation with the removal of the fraudulent inquires listed below : XXXX Consumer portfolio service XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. REMOVE THESE FRAUDULENT INQUIRES IMMEDIATELY!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i am XXXX years old. i started using credit at XXXX when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of 42 years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about two years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only two years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.
Product: Credit reporting or other personal consumer reports

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXX XXXX  account # XXXX
Product: Checking or savings account

After I closed my account with chime due to poor technical support, they emailed me that they closed my account and i was no longer due a refund. I am entitled to all the money in my savings account plus the refund that Was confirmed with me through an employee prior to me closing my account. After they emailed me they would no longer let me speak to a live person over the phone. They constantly redirected me to their handbook, even when i replied to their response asking for more information, they did not reply. I had previously changed my direct deposit a few days before because i started to feel uneasy about the transparency with Chime, however after closing my account- the following Friday, to my dismay my direct deposit from my employer still went to chime bank. I emailed Chime and told them and they gave me an automated response saying that i was not eligible for a refund again and now I believe they they are not going to give me any money at all. I had asked my employer to try to reverse the funds as i did make the change before the falling out with Chime. In conclusion i am asking if CFPB could help me with getting my XXXX  dollar refund and my saving account money and direct deposit. Thank you for your time and consideration. Have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

***3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, XXXX responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which XXXX rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because XXXX 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask XXXX to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from XXXX and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.
Product: Vehicle loan or lease

XXXX TO XXXX : MACU was properly notified at the local branch at XXXX XXXX XXXX XXXX of my legal name change and address documentation including my current address which copies were given. I requested to have regular statements of the loan sent every month by mail. I havent got any mail with my new name otherwise the mail will be returned back to MACU. As the name change went to effect already with the post office. I am now receiving notifications of my loan being reported 30 days late with the credit reporting agencies. This is now the second occurrence of requesting on time statements and mail not being delivered. Please remove the late reporting from the credit reporting agencies as a courtesy for the error on the bank for failing to send proper notices and statements to my mailing address with my current name and send my mailing statements as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX, UT XXXX Sincerely, XXXX XXXX XXXX
Product: Debt collection

The pay options offered are still too high for me to pay. I am struggling to pay this credit card debt off. I keep getting emails and now I am being threatened to have my account forwarded to an attorney for a possible lawsuit. I need this company to help me make more feasible payments. I should not be facing a lawsuit when no one is working with me to have a more reasonable payment plan.
Product: Money transfer, virtual currency, or money service

Cash app has locked and closed my account numerous times with $ XXXX of dollars in the account for potential fraud Ive talked to customer service bot but they were zero help. Doubt they were even human. Ive since lost that account over 2 years ago. I only found out about you guys. I had {$570.00} in that account as I regularly drove people around as a side hustle. That money has been gone and locked behind an account they refuse to help me open
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - Account XXXX : XXXX - XXXX  - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is committing fraud. I pulled my credit report and I noticed XXXX XXXX is negatively affecting my credit profile.I never had a contract with them, I never agreed to do business with them, and I never received anything from them. They are stating they bought a debt from a creditor and they have been reporting since last XX/XX/XXXX. I have tried disputing this inaccuracy in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with them but they haven't sent me anything they just keep verifying to the Credit Bureau. XXXX XXXX is breaking the law, according to FCRA all information reported must be 100 % accurate not fraudulent. Please delete this inaccuracy / fraudulent information from my credit profile.
Product: Debt collection

I closed my account with them and paid my final bill. I called them they told me there was nothing left then years later it showed up on my credit. I disputed this with them but they are still pursuing it
Product: Payday loan, title loan, or personal loan

I took a payday loan out from a company here in XXXX XXXX, Louisiana ... XXXX XXXX XXXX  is the company 's name ... I have been paying on this loan for a little over 2 years ..I first took a payday loan out for $ XXXX..After paying for a while, they told me I could extend it to {$500.00} ... I have been paying {$95.00} in fees for about 2 years now on a {$500.00} loan ... Spoke with company today to try and get on a payment plan for about 4 months to repay this and they told me it would cost me {$250.00} for the first month and {$350.00} for the second month ... If I could afford this, I would pay this off, but I can't ... They will not put my payments lower because they said it was a consumer loan ... I then told them they did not tell me it was that type of loan and I didn't know what that was anyway ... They said there was nothing they could do, that they were not working when loan originated ... Please help
Product: Credit card or prepaid card

I applied for a Home Depot credit card on XX/XX/2021, I did not know that for receiving only {$500.00} credit limit they do hard inquiry on my credit report, when I found out I called them and asked for more credit limits to worth the damage which was -16 point on my credit report ; they told me there would be another hard inquiry for increase the limit ; so I refuse to do that. 
Today I found out that even my fiance 's credit report also got affected by home depot credit card, however he is only the authorized user on that credit card!!!!. We were trying to refinance our home which because of this inquiry we did not approve and I decide to reach your help to sort out this hard inquiry on our credit report.
Product: Debt collection

XX/XX/XXXX of this year I took out a loan with this company. Things feel apart after, They began to take money out of my account on a random basis and multiple times a week, I had to contact my bank, file a fraud report with them. I filed a BBB compliant as well. I had to change my debit cards and my checking account information. This company took money from me ranging in amounts of XXXX to XXXX per week. I have correspondence from all of this including the BBB incident number XXXX. So over the weekend I get a letter they have turned me over to collections for this huge amount. I am beyond upset, I do n't owe these people money, they took advantage of me, and now to have them attempting to collect this is horrible. I have submitted to the collection agency who is Law Offices of XXXX XXXX and their number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the credit bureaus only updated the file in XXXX XXXX on my credit reports which proves they were reporting incorrectly for years. None of the bureaus removed this fraudulent information from my credit report. 

This is my second attempt with the CFPB to get this removed and I cant count how many times I have asked each bureau to review this account and it continued to be incorrect. 

This complaint is a continuation of CFPB complaints submitted XX/XX/2021. 
XXXX XXXX XXXX I am under the impression that all three companies rushed through this process and reported back that the investigated and updated the accounts when they actually did nothing. 
Please assist me in getting this fraudulent account deleted.
Product: Mortgage

In XXXX XXXX our home flooded. In XXXX the insurance released a cash advance of {$20000.00} Wells Fargo endorsed the check and we were able to start the clean up process. When the remainer of the balance was sent to us Wells Fargo stated we needed a contractor and would not release more funds unless we completed the house to 50 % and passed approval. On XXXX/XXXX/XXXX Wells Fargo sent out their inspector and approved us for being 50 % completed. Now Wells Fargo will not release XXXX of the remaining balance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

City National Bank continues its rein of false advertising and potentially massive identity theft. First, the Crystal Infinite card which I was approved for has not arrived. There is almost no way to get in contact with anyone regarding the card. You call the customer service center and they send you back to the bank. You call your " Relationship Manager '' at the bank - mine being XXXX at the XXXX XXXX location - and their phone is disconnected ( when I call I get a loud beeping noise ). My email today was not returned. This seems like a massive scam where they have taken your identity but nothing has been provided. They advertise that you can add authorized users but I sent " XXXX '' the extensive PII requested for authorized users last week and called customer service today and they said that no only have the cards not been mailed but " XXXX '' never even added them to the account. Now they have taken the identities of both me and my family members. The government must investigate City National Bank to determine whether there has been identity theft. Further, they are not seemingly providing the products advertised. As previously stated, my card has not arrived and my authorized users, who are supposed to get benefits, have had their information seemingly disappear into thin air.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  - Requested credit report from Equifax via XXXX, but received an error message XX/XX/XXXXXXXX  - Contacted Equifax directly for my credit report and received snail mail notification that they can not locate my credit file XX/XX/XXXXXXXX  - Requested credit report from Equifax, credit report was not given and an error message was given
Product: Debt collection

I contacted this company via phone call to inquire as to why they are reporting a false debt to my XXXX and XXXX accounts. As per conversation I asked if they can provide an original purchase agreement that includes my signature, social security number, and an updated address to ensure who the debt belongs to. They were unable to provide this information to me thus proving the invalidity of this account. It is illegal to report a false account on such platforms. Failure to provide information on a legal bidding contract is against the law. Credence does not have a purchase agreement that legally binds me to the debt, establishing the invalidity of this debt.
Product: Credit card

I ordered a pair of prescription glasses from an online site and paid for faster shipping. When checking the site a few days later, my order had not even begun processing so I wanted to cancel my order. I emailed them and they refused to cancel and said I would have to pay for lenses at least since they are custom made. Opened a dispute process with capital one. Capital one refused to honor their dispute process claiming that the site has a 24 hour cancellation policy. On the sites website it does not show anything about a 24 hour cancel policy. I never received these glasses and its been 2 months and I still have the charge.