23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My mother died XX/XX/XXXX, and the death certificate was issued 2 weeks later. My sister, who is in XXXX, has been handling settling my mother 's estate. My sister and I are the sole living beneficiaries of a trust fund that was available to my mother during her lifetime. 

KeyBank, which handled the trust, helped my mother conduct a search for my brother, who had not been heard from in 20 years, in approximately XX/XX/XXXX. KeyBank recommended someone to help my mother and knew that this search found nothing. 

KeyBank is now claiming that they have no record of this search and/or this search was not done. It is obvious that KeyBank stands to benefit by this denial as they prolong the time that they maintain control of the trust so they can continue to charge fees and churn the account. There are no other complications, claims, or other impediments that prevent the disbursement of the funds from the trust to my sister and myself as stipulated in the original trust document. 

My mother trusted KeyBank so my sister and I have no independent documentation that this 'due diligence ' was previously done. KeyBank 's behavior is unethical and duplicitous. 

We want others to know that KeyBank is not an institution that is to be trusted or that will look after the best interests of their customers. We hope this agency can help my sister and myself in an appropriate and expeditious settlement of what should be an unremarkable transfer of funds. 

Yours, XXXX XXXX
Product: Student loan

Since XXXX, Nelnet has been deducting 2 seperate amounts per month. The larger amount ( {$540.00} ) is not being applied to my loan. It has totaled about {$3200.00} deducted from my checking account ( seems to be about the XXXX day of every month, XXXX through XXXX ) that has not been applied to the principal amount or interest of my loan. I have contacted both my bank, who has confirmed Nelnet is deducting the money, as well as Nelnet who told me they don't know anything about that amount being deducted and don't see it on their end. I am sure they're taking the money and not putting it towards my loan which is not right.
Product: Credit card or prepaid card

I have had my Apple Card from Goldman Sachs since 2019. It is my main source of paying all my bills. Today, I received an alert that my credit card had been restricted and I was unable to use it. It said to contact customer support for more information. 

Customer Support indicted to me that the account was under review. They would not provide why it was under review or how long the review would take. I asked if I had used the card against the agreement and she stated that it didnt appear that I had. She stated that I had to wait to be called and that there was no one else I could speak with.
Product: Mortgage

We represent an estate of a deceased who had a reverse mortgage. XXXX things, the daughter submitted a request for {$14000.00} from the remaining line of credit three days before the mortgagee died. The money was needed for XXXX bills, etc. Payment was denied. Also, we notified Financial Freedom we wanted to sell the property. They send us a notice of foreclosure. They have ignored both inquiries. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

Until recently unbeknownst to me this week for the process continue to display erroneous information in regards to a credit card that was victim. Do I deserved all three credit bureaus should concentrate on following FCRA regulations and blocked negative information during investigation of ID XXXX, and the two accounts that is affected for nearly XXXX XXXX years now Im trying to rectify the problem and its time to pay attention
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called XXXX to ask them to remove 11 inquiries I did not use or request, their customer service told me they will not help me. These are the inquiries I asked XXXX to remove due to no knowledge of them ... 
XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX   inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report
Product: Mortgage

My wife and I have a home loan and a home equity loan with Wellsfargo Bank. For more than 2 years now, Wellsfargo has refused to allow us to combine the XXXX loans for a lower payment. We bought the XXXX bedroom townhouse in 2007 when we only had XXXX child. 3 years a go we had a XXXX child and needed to move to a bigger house and a better school district but we could not sell our undervalue house. Wellsfargo refused to work with us so we went ahead and bought a different house and got the mortgage with a different bank and the old house is now a rental property. We are renting the house at a reduced price and have to pay off the remaining balance out of pocket to Wellsfargo every month and yet Wellsfargo refused to work with us because the house is worth less than we owe. I know that they sold XXXX of the loans that we were able to refinanced to the government after we refinance it to 4 % and kept the loan that is at 9.75 % interest rate and absolutely refused to let us combine the XXXX loans into XXXX. Our savings are depleted and the tenants are planning to move out which means we will be stuck with paying XXXX mortgages again, we can not afford that. We have XXXX children aged XXXX, and XXXX and a car payment. I hope CFPB can help us with resources or advocate on our behalf to Wellsfargo so we can get out of this financial hole. We are trying to do the right thing but very soon we will not be able to even do the right thing, and that will means we will have to default on the loan. We would rather not default on the loan but that may be the only choice.
Product: Money transfer, virtual currency, or money service

I received two notifications from XXXX stating I received money to be sent to XXXX XXXX XXXX. I closed my XXXX XXXX XXXX  back in XXXX and have no accounts there. My email should be linked with XXXX and XXXX XXXX ; however, payments continue to get routed to XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX regarding this and they stated it's a XXXX issue and to contact them and were not courteous or helpful beyond " you have no accounts here currently ''.
Product: Credit card or prepaid card

I bought a NetSpend prepaid visa card at the XXXX pharmacy on XX/XX/XXXX. 
I loaded {$400.00} on to this new NetSpend prepaid card on this same day XX/XX/XXXX I tried to activate prepaid card at home after purchase on XX/XX/XXXX Was told I was not gon na be able to activate it use this card at all and the only option for me so they are gon na mail me a check in the mail. This check didn't get mailed off to me until XX/XX/XXXX ( was told with in 10 business days ) would receive my check in the mail. Expected delivery XX/XX/XXXX The check still did not come in the mail as of XX/XX/XXXX Now when I called on XX/XX/XXXX I was told I have to give them ( 48 hours- business days ) longer plus a weekend to do a trace on the mailed check and get a update. 
Was told on ( Monday, XXXX XXXX ) to now wait until ( XX/XX/XXXX ) to allow full ( 15 business days ) from the, US Postal Service, due to possible mail delivery, delays causing possibly the later delivery date. 
I now have waited the extra + ( 5 business days ) until ( XX/XX/XXXX ) as told to do for possible delays. I sttill have got no results or update with any information on the trace they supposed to have done on my mailed check ( XXXX XXXX ) now told I have to wait for another 10 business days to have another mailed check sent to me!!! What happen to the first one? I have waited over a month now and counting to get my refund of {$400.00}!!!!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Money Lion off on XX/XX/2022 which shows a {$0.00} balance and that the account was closed. However, they still keep reporting charge offs to the credit bureaus. A charge off was reported for the month XXXX and XXXX. I have sent a dispute but as of today nothing has been fixed.
Product: Mortgage

My loan has been transferred several times. While under service with Rushmore loan management, several payments were made to them from the state of Ohio ( XXXX XXXX XXXX ). 
They state they have to record of these payments. This company was absorbed by Mr Cooper and is now called Rushmore serving. I cant access any information nor can I get anyone on the phone. Where did that money go?
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had 4 late payments on an account that i was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with maximum accuracy. I have never been late on payments for the account. Nelnet XXXX. please investigate and provide proof with statements showing that payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was never late thanks
Product: Debt collection

Re : {$680.00}. I do not owe any money to this company. Cease & Desist letter sent to the company. This company had a judgment filed against me.
Product: Credit card or prepaid card

On Monday XX/XX/2021 my edd Bank of America card was fraud someone deposited {$1000.00} out of my account! I reached out to Bank of America they did nothing they closed my card and told me to reach out to edd. I contacted eddd they stated that Bank of America can open my card and they dont know why they are telling everyone with this problem to contact us. The edd made note of the situation and stated that someone should contact me when my card will open back up. I do have a available amount and Im not allowed to touch the money because Bank of America will not give me any further details. They will not give me a time frame of when all of this will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed Loan Servicing Reporting false payments made-keeping old accounts active with fraudulent repayment records.. 

With holding correct or accurate information of first payment of delinquency with original creditor. 

Fraudulently creating new dates of accounts opened. 

According to my credit report these accounts are 16 years and 2 months old, but are still appearing on my credit history because of fraudulent activity. 

I have filed complaints with the credit reporting agencies, they are removed for a short period of time, but reappear on my credit report because of fraudulent activity reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Equifax concerning their lack of response to my dispute regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted Equifax regarding the following incorrect details on my credit report. Regrettably, to date, I have not received any response from them. 

Details of the Inaccurate Information : Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I assert that the mentioned account does not belong to me, and I request its immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My First & Last name are as follows : [ XXXX XXXX ] My XXXX XXXX Address is as follows : [ XXXX XXXX XXXX XXXX, SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : [ XXXX XXXX XXXX XXXX, SC XXXX ]
Product: Mortgage

My house is newly built and only 6 months old. I requested my mortgage company to take off PMI as I paid off 80 % of my loan amount in XX/XX/XXXX. They requested for an appraisal. My house was bought as new construction in XX/XX/XXXX and since then I had no major/minor repairs/issues with my house. I also added a beautiful deck this XX/XX/XXXX. Now in XX/XX/XXXX the appraiser did the appraisal and got all wrong facts about the house in their report and provided a low estimation. My community is newly constructed and there are same type of houses that are being sold at higher price than mine and total home values are appreciating as community is building swimming pool, play ground, garden, etc..but I am not understanding how my house value goes down. I called Nationstar Mortgage to get details and they are blindly going by the incorrect appraisal report without even verifying the facts about my house. This is creating lot of trouble and they are asking ME to pay dawn another XXXX to take off PMI. I think this process is incorrect and there is something doubtful about how Nationstar is handling the PMI cancellation requests. The appraiser they are using or partnered with is not keen and is doing appraisals in favor of Nationstar and not as an independent appraiser.
Product: Debt collection

This company has called me repeatedly for years telling me they are ready to proceed with court against me for a loan taken from a payday loan company. I have never used a payday loan place like that. When they call, I ask for an address so I can formally request proof of debt and I am constantly told that I need to call Check and Go. When I press for a po box I am told they don't have to give me that information. I can't even get a company name from them. They have told me repeatedly they served me with legal paperwork, I've given my updated address several times but have yet to receive anything from them. 

Supposedly this loan was taken out in the early XXXX  's and sent to a bank account in my name with a bank I have never used or had an account with in a state I have never lived in nor know anyone in.. I've contacted the bank I was told about they have opened an identity theft case. 

They also use an XXXX area code number to call me but when I answer an automated voice tells me to have either my lawyer or me call an XXXX number. 

At this point, I'm waiting for something to happen so I can at least see the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Consumers subsidiaries of Experian all of the stuff I the report that obtained is XXXX  and is there anyway to request for this company to not report or keep information about you?
Product: Credit reporting or other personal consumer reports

I took a look at my credit reports and I noticed that there were some unauthorized inquiries. I have sent a FTC report and I haven't gotten a response nor a deletion of these inquiries. I then submitted another FTC report to remove these inquiries as it is identity theft. Pursuant to 18 U.S. Code this is Aggravated Identity Theft because these agencies have been made aware of the situation and they did not take action in correcting this issue.
Product: Credit card or prepaid card

I contacted Capital One in writing regard a single late payment, which is the only late payment on my credit record, in XXXX of XXXX. I believe this late payment to be an error made by the mobile application. Capital One responded and said they are required to report accurate information, however I do not believe the information to be accurate.
Product: Credit card

I recently returned a pair of XXXX shoes that I had bought in XX/XX/XXXX, and on XX/XX/XXXX I got an email from XXXX saying they received my return. I still have not received the refund which should be for {$51.00} back to my Discover credit card for this return. When I tried to contact XXXX they said they were having an issue refunding my Discover card. Please process the return refund back to my Discover card.
Product: Student loan

I got transition to from fed loan to mohela then to mohlea fed loan. I have been trying to get a correct payment count and correct amount due and I have not received a response. The information is conflicting on both sites. The amounts are conflicting as well. One site acts as if I havent paid at all and have 10 years of payments to go and the other makes it seem as if I have closer to 2 years.
Product: Debt collection

Dear Sir or Madam, I am writing to formally dispute a collection account listed on my credit report and to request your assistance in resolving the matter. The account in question is reported by American Profit Recovery XXXX XXXX XXXX XXXX XXXXXXXX ), with the original debtor being XXXX XXXX XXXX. 

I have no knowledge of this account, nor do I recognize the name of the original creditor, XXXX XXXX XXXX. Based on my review of my credit report, I believe this is a case of identity theft or a mistaken account entry, and I am requesting your help in addressing this issue. 

Specifically, I would like to request that you assist me in : Investigating this account and confirming its validity. 
Contacting American Profit Recovery and XXXX XXXX XXXX on my behalf to have this account removed from my credit report if it is indeed a result of identity theft or an error. 
Providing me with any steps I may need to take in reporting this issue and protecting my credit. 
Please let me know if you require any additional information or documentation from me to investigate this matter. I appreciate your attention to this issue and look forward to your guidance and assistance in removing this fraudulent or erroneous account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ] Next Steps : Gather Documentation : If you have any documentation related to the account or any proof of identity theft ( such as a police report or a fraud alert with the credit bureaus ), be sure to include that in your communication or offer to provide it if needed. 

File a Report with the FTC : If you believe your identity has been stolen, consider filing a report with the Federal Trade Commission ( FTC ) via their website ( www.identitytheft.gov ) and requesting a recovery plan. This can also help strengthen your case. 

Monitor Your Credit : While the CFPB works on your behalf, it's also important to monitor your credit through all three bureaus ( XXXX, XXXX, and XXXX ) for any other suspicious activity.
Product: Debt collection

XX/XX/2005 reporting this debt on my credit report as a collection bad debt. Please Delete Immediately.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> : 2 Payments were taken from my bank account to pay the loan. 1 in the amount of {$330.00} and the other in the amount of {$750.00}. The {$750.00} was to pay off the remainder of the loan and the {$330.00} still auto withdrew despite me paying the other amount leading me to believe I over payed XX/XX/year> : I called to get balance and payment history to verify overpayment. They refused to send me any documentation, provide an employee number or email address. They stated they didn't have access to balance history and only payment history.
Product: Debt collection

Credco is claiming that they are a part of CoreLogic for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. 

Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen.
Product: Credit reporting or other personal consumer reports

I notice some unauthorized inquiries on my credit report that I would liked removed. 

According to the FCRA, these unverified and unauthorized items must be removed.
Product: Debt collection

Received letter dated XX/XX/2021 from Linebarger Goggan Blair & Sampson, LLP, Attorneys at Law, located in XXXX, CO XXXX. Received letter XX/XX/2021. Letter said I owed the State of Colorado {$29.00} for non-payment of tolls charged to License Plate No. FL XXXX. Told the company that I have only been to Colorado once in my life and that time I flew in by airliner and left on a tour bus. My car has never been to Colorado. 

I fear this letter is phishing effort to gather banking information or credit card numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX  and XXXX XXXX. They told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX  and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  and XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.