23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LoanCare seems to think they dont have to call me concerning the complaint, and they claim it is a duplicate complaint which it is. Complaint ID XXXX I am waiting on the phone to discuss the product and complaint at hand. It was securities fraud in XXXX as indicated in the PDF Uploads Ive provided to them. I have also contacted XXXX XXXX Fraud alert, and waiting on a reply from them as well. Tomorrow I will be reaching out to the FHFA concerning the fraud that was perpetrated on my family during the XXXX Scandal, and XXXX XXXX XXXX. The assignments to XXXX, and LoanCare playing the servicer for XXXX XXXX the investor.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my XXXX credit report. 

XXXX. Please remove this account from my credit report. 
National Credit Adjust ( nca ) Account Type : Collection Date : XX/XX/XXXX Balance : {$280.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$3600.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$5700.00} XXXX. Please remove this account from my credit report XXXX XXXX Account Type : Charge Off Date : XX/XX/XXXX Balance : {$110.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX  Account Type : Closed Account Date : XX/XX/XXXX Balance : {$530.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX Account Type : Repossession Date : XX/XX/XXXX Balance : {$8400.00} There was no action that was completed by the company. 


Please remove this from my Equifax credit report. 

XXXX. Please remove this account from my credit report. 
National Credit Adjust ( NCA ) Account Type : Collection Date : XX/XX/XXXX Balance : {$280.00} XXXX. Please remove this account from my credit report XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$3600.00} XXXX. Please remove this account from my credit report. 
First Progress Card Account Type : Charge Off XXXX Balance : {$10.00} XXXX. Please remove this account from my credit report XXXX XXXX Account Type : Repossession Date : XX/XX/XXXX Balance : {$8.00}, XXXX XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX Account Type : Closed Account Date : XX/XX/XXXX Balance : {$530.00} Please remove this from my XXXX credit report XXXX. Please remove this account from my credit report. 
XXXX XXXX  Date : XX/XX/XXXX XXXX : {$530.00} XXXX. Please remove this account from my credit report XXXX XXXX Account Type : Charge Off Date : XX/XX/XXXX Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I need your help with the inaccurate account showing on my credit report. I brought this to your attention because its affecting my reputation as a customer. These accounts are reported wrongly and need to be taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL XXXX  is reporting inaccurate payment history across CA 's, please Delete accounts per the Fair Credit Act. 

There are 5 accounts with the same number : XXXX
Product: Credit card

Regarding CFPB Complaint # XXXX : On XXXX XXXX, 2017, Citibank stated that it would contact the major consumer reporting agencies to request the removal of any data related to my consumer Home Depot account from my credit history. I accepted this resolution and the dispute was closed. 

However, on XXXX XXXX, 2017, I received XXXX letters from Citibank ( see attached documents ). XXXX of them acknowledging the agreement and the second XXXX retracting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my understanding of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy reporting process, it has come to my attention that bankruptcy courts do not directly report bankruptcy filings to credit reporting agencies. 

As a diligent consumer, I have taken the necessary steps to review my credit report, and I was surprised to find a bankruptcy entry listed on it. I have thoroughly researched the bankruptcy reporting process and found that it is the responsibility of creditors, not the bankruptcy courts, to report bankruptcy information to credit reporting agencies. The bankruptcy courts themselves do not provide such information directly to credit reporting agencies. 

Given this information, I kindly request that you investigate the validity of the bankruptcy entry on my consumer report and provide a detailed explanation of its source. If the source is a bankruptcy court, I would appreciate evidence of the court 's reporting to credit reporting agencies, as this would be contrary to my understanding of the process.
Product: Credit card or prepaid card

XX/XX/2023 Banana Republic card opened fraudulently at BANANA REPUBLIC - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Tel. ( XXXX ) XXXX Amount charged was XXXX XXXX XXXXXX/XX/2023 XXXX card used fraudulently at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Amount charged was approximately XXXX XXXX XXXX
Product: Debt collection

I believe this account is a fraud. Please see attached CAPITAL ONE XXXX
Product: Credit card or prepaid card

I applied for the XXXX  XXXX  Plus Credit Card with a {$99.00} annual fee from Barclays on XX/XX/XXXX primarily to use its trip delay insurance benefit that was advertised on its website. As advised in advance of purchase by a Barclayscard XXXX  XXXX  Plus Card agent, I booked XXXX  XXXX   airfare tickets on another card on XX/XX/XXXX, received the XXXX  XXXX   Plus card on XX/XX/XXXX and immediately had the airline tickets transferred to my XXXX XXXX Plus card on XX/XX/XXXX so that I would have trip delay insurance for the trip as provided by the XXXX  XXXX  Plus card. I paid the {$99.00} annual fee included on my XX/XX/XXXX statement. 

On XX/XX/XXXX, I received an email notifying me that the trip delay insurance benefits had been terminated retroactively as of XX/XX/XXXX. 

In XX/XX/XXXX, we used the XXXX XXXX tickets purchased on XX/XX/XXXX. Our flight was cancelled, and our trip was delayed by two days. Due to Barclays false advertising of trip delay insurance and retroactive notification of termination of the insurance, we had no trip delay insurance to cover our expenses. 

I spent several hours on the phone with Barclays XXXX XXXX Plus Card Customer Service regarding this issue getting nowhere. I understand that the underlying benefit might have been provided by Mastercard, however it was still Barclay 's obligation not to false advertise on its website and to provide notification of the termination of the insurance benefit prior to the insurance being cancelled. 

I am seeking a refund of the {$99.00} annual fee since I got the card and paid the {$99.00} because of the falsely advertised trip delay insurance benefit. I am also seeking compensation for the two day delay of the XXXX XXXX trip that had ultimately had no trip delay insurance, leaving us without coverage of insured hotel and incidental expenses. There was no indication on the website on XX/XX/XXXX that the benefit would be expiring within a few days. I only learned of this 20 days after the fact, after my XXXX XXXX ticket was already purchased. I believe that in addition to the false advertising, it is not legal to terminate insurance benefits without prior notification.
Product: Credit reporting or other personal consumer reports

According to my credit report ( XXXX and XXXX ), between XX/XX/year> and XX/XX/year>, XXXX XXXX XXXX XXXX credit card balance increased by {$320.00} from {$230.00} to {$550.00}. I have contacted XXXX XXXX XXXX XXXX explaining that this card is not mine and they removed it from my credit report. However, XXXX and XXXX are still reporting it incorrectly reporting it causing an extreme hardship. 


As per XXXX XXXX XXXX XXXX, this card should be removed from my reports immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote a letter requesting that Equifax investigate inaccurate accounts on my credit reports. I never received a response. On XX/XX/2020, i sent them another letter about them ignoring my request and they need to verify the account. I still haven't received a response.
Product: Mortgage

My loan transferred to Lakeview Loan Servicing this month XX/XX/2023. When my automatic draft did not draft on the authorized date previously set up with my previous servicer I called Lakeview Loan Servicing to inquire about the draft. On XX/XX/2023 I spoke with an agent who said my draft date transferred showing it was to be pulled every XXXX of the month. I requested to cancel the draft for this month and pay the payment on that day. She took my payment for {$1300.00} and assured me my automatic draft would continue next month for {$1400.00} which includes an extra {$100.00} towards principal. 

Today I noticed that Lakeview actually drafted an extra payment for {$1400.00} in this month of XXXX on the XXXX. I requested that they fix their error and refund one of the payments as the {$1400.00} was not authorized until XX/XX/2023. The agent named XXXX declined to assist me in refunding it because they needed proof of the payment. I relayed to him that I am not at fault here and it was their error and they didn't even have permission to draft it. He transferred me to XXXX ID XXXX who also declined to refund it and advised me auto draft can't be cancelled for the month it is set up. I told her that is not legal and if someone calls to cancel a payment it should be cancelled as they do not have permission to draft it at that point. 

XXXX refused to refund the payment so I requested to cease all auto draft payments set up. I requested a supervisor which she declined to transfer me to and said they would call me back within 48 hours. 

Their policy to not refund unless proof of payment is provided is ridiculous and not logical. The transaction has cleared my bank and it's been greater than 5 business days at this point. They did not even have my permission to draft it and especially not on that date of the XXXX.
Product: Debt collection

World Finance is a third party debt collector that is reporting negatively on my credit file since XX/XX/2019. I have never done business with this company and this negative mark is harming my reputation. I asked the company to validate this debt pursuant to 15 USC 1692g, sent an affidavit of truth and have not received any reply or correspondence. This company has committed identity theft against me. You shall delete this negative mark off my credit file.
Product: Money transfer, virtual currency, or money service

As a customer of Wise Account, I contacted that entity in an effort to execute damage control after my Wise debit card had been stolen in XXXX, XXXX on XXXX XXXX, XXXX 

When I contacted Wise to 1 ) block my card, and 2 ) send a replacement card, I was initially told that Wise was forbidden by law to send a replacement card to the hotel at which I was staying in XXXX. Upon further questioning from me, they indicated that there would be no point in doing so since the card needed to be activated in the United States. At that point, I suggested that an authorized user in my family activate the card for me per Wise 's requirements and then send the card to me via overnight delivery ; Wise refused, then canceled my request for a replacement card. 

-- I contacted Wise again to complain ; they credited me the {$5.00} replacement card fee, but still did not issue an order to ship me a replacement card -- It took a fourth complaint to get them to agree to send an actual card -- The replacement card didn't arrive for three weeks -- long after I had arrived back home in California In addition to unacceptable delays and inattention to my requests, Wise did not respond to communiqus. To date, the following requests made by me have been ignored by Wise : -- A refund of the wire transfer fees that I paid when I transferred funds from my regular United States bank account to my Wise account -- Fee waiver of any and all fees associated with future account activity Because my requests were ignored, I tried to activate the replacement debit card from my home in California so that I could transfer all funds out of my Wise account ; however, that action precipitated a double charge to access my own money. 

My attempt to activate the Wise card failed ; I told customer support the same. My requests were delayed further by Wise 's announcement that they needed " proof '' of the card activation failure. I had already provided the requested information. 

Today 's ( XXXX XXXX XXXX ) current status regarding this situation -- which commenced on XXXX XXXX XXXX  -- is as follows : All three of my requests for credits against wire transfer fee charges have been neglected : no response and no refunding of charges. 

No action has been taken to remedy the lack of service with respect to my case. 

I have not been apprised in any way of the status of my resolution request.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX2025 ] TransUnion, Experian, Equifax [ XXXX XXXX XXXX, XXXX, TX XXXX ] [ XXXX XXXX XXXX, XXXX, GA XXXX ] [ XXXX XXXXXX/XX/XXXX XXXX, PA XXXX ] Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my recent credit report, I found the following accounts contain incorrect or outdated information : 1. XXXX XXXX XXXX ( Account # XXXX ) ** Reported as derogatory and charged off. Please verify that the balance, status, and payment history are reported correctly. 
2. XXXXXX/XX/XXXX( Account # XXXX ) ** Listed as a collection/charge-off account. Please confirm the accuracy of the reported balance and payment history. 
3. XXXX ( Account # XXXX ) ** Reported as derogatory with a charge-off status. I am listed as an authorized user. Please verify if the charge-off status should apply to an authorized user. 
4. XXXX ( XX/XX/XXXX ) Account # XXXX 5. XX/XX/XXXX Account # XXXX 6. XXXX XXXX Account # XXXX # XXXX 7. XXXX Account # XXXX 8. XXXX Account # XXXX 9. XXXX ( FRAUDULENT CREDIT INQUIRY ) I request that you investigate these accounts and provide verification of their accuracy. If any information is found to be incorrect, I ask that it be corrected or removed promptly. Please provide me with an updated credit report reflecting any changes. 

Enclosed are copies of my identification and supporting documents for verification. 

Thank you for your time and assistance. Please respond in writing within 30 days of receiving this letter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

National Credit Adjusters is a debt buyer Collection company that is reporting a negative debt acct that I am not responsible for to XXXX and XXXX consumer reporting agencies. I am not liable for this debt with the original creditor XXXX XXXX XXXX and XXXX XXXX XXXX which was charged off due to last payment made XXXX XXXX. That charge off account was dropped from my consumer credit reports several months ago, due to the timeframe of the last payment being 7 years ago per FCRA. NCA is violating my consumer rights by reporting this negative account to my consumer credit reports despite of the FCRA rules related to statues of limitations of reporting collection debt aligned with original creditors factual reported last payment received by the consumer and the Californias statute of limitations legally collecting for a credit card debt is 4 years of last payment received. National Credit Adjusters is reporting this collection account as OPEN status since XXXX, despite of the charge off account with the original creditor was either in XXXX, due to the last payment was XX/XX/XXXX made to the original creditor. NCA did not report to XXXX and XXXX for the month of XXXX due to my dispute directly with XXXX and XXXX, but NCA did start back reporting on XX/XX/XXXX to XXXX. Also NCA is improperly reporting this negative account to XXXX on XX/XX/XXXX as a NEW OPEN collection activity account with a 120 days late delinquency, but no history reported data showing the months with or without payments, credit report shows open date as XX/XX/XXXX, when in fact the account was previously reported as closed prior to XX/XX/XXXX re-reported information. I never signed an agreement with NCA validating this debt or provided authorization to NCA to report to my consumer credit reports as well as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is KILLING my credit profile and I continue to have to submit these complaints. They just dinged my credit score for 18 points for a payment account being closed that was closed 3 months ago!!!! My XXXX account has been PIF since XX/XX/2018 why are they just now reporting that??? I need some help with this company cause I cant call them and get help please someone! My Constant issue with them is their delayed credit reporting and yet here we are again, I am trying to buy a home and dont need this mishaps right now.
Product: Mortgage

I was told i was denied a loan modification because i had one in XX/XX/2009 after the mortgage crisis and i was on a balloon adjustable rate and because of make your home affordable, my mortgage company had to help me. Now they are denying me assistance with a modification
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

Hi, I opened an account online and made a deposit of {$50000.00} my intention was to wire transfer to myself that money. I was doing it through Chase bank because my current bank ( XXXX XXXX  ) doesnt have international wire transfers. After the funds were successfully transferred I made a wire transfer of {$25000.00}. The transfer was cancelled and my online account was blocked so I called to validate my info and unblock my account. After the account was accessible again I called again to ask if was all ok so could make the wire transfer, the agent told me I could so I did but the transfer was cancelled again and my online access blocked again. I called again but this time I had problems and the agent told me I had to go to a branch and I had to explain I was not in USA and because of COVID-19 I couldnt travel from XXXX to US. I opened a previous complaint and the company responded saying I had to call and authenticate my self so the funds could be released to me. I called customer service and they asked me my phone number so they could send a text to verify, I gave my registered number but they said it was not correct. I told them that was my number and I had an email with the confirmation of that number being activated, I even told the agent I can send a text to XXXX and get information about the account and the agent told me she cant see that and doesnt believe I had access to the account using my number so they said again I have no option but to go to a branch. So even though I gave my SSN, full name, address and date of birth they said they couldnt validate was me because of the phone number. I called a couple of more times and they didnt care about the travel restrictions and all told me I had to wait whatever time to go to a branch. Now the travel restrictions are extended until the end of XXXX and the bank is refusing to return my money. Why the bank didnt block the account when I made the deposit? Why they blocked my account after I made valid transactions allowed by the system? And why after validate my identity several times and requested verification codes several times they still refuse to give my money back? The bank has been unable to explain what was the security risk, the response was that they can block the account unilaterally just because they can. Im attaching the email as proof that my number was activated