23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

address XXXX XXXX XXXX XXXX XXXX ga XXXX we have excessive mortgage fraud in bankruptcy trustee NEVER investigated not one instance of the excessive fraud on any of the properties both commercial real instead of the abandoned and stoled the properties we had to file our own Rico suits the courts illegal dismissed all of them to cover up for their friends who were involved in obtaining fraudulent loans on our property, they did care because WE ARE XXXX, We noticed with White couples filing Bankruptcy this trustee filed lawsuits. 

the XXXX case number XXXX attempted to make us pay approximately XXXX k in order to stay in XXXX XXXX for FRAUDULENT LOANS and later telling us we would bet our money-back whenever THE TRUSTEE GET A CHANCE TO INVESTIGATE, I transferred to Chapter 7 which is what they wanted to liquidate, however, I complete a Retention Form and he continued to engage in illegal activities and the judge gave him permission to do so., The Trustee is a Liquidator he has an Attorney who is old and the judge basically runs over him as ask other attorneys to say the trustees ' attorneys name in order for her to steal property. 

SPS is a Fraudulent loan, They sent a letter on XXXX regarding releasing the lean. We reported the information and later they created XXXX XXXX 's one for myself and one for my spouse stating the loans was an income. These are not our loams. AFTER investigation we NEVER RECEIVED ANY LOANS ON any OF OUR PROPERTY. 1 of the attornies received 15 years and one was disbarred. we can not obtain an attorney because we are blackballed in Georgia by judges and key attorneys who are involved in the fraud, Please read all attached documents SPS is no longer in business, We have IRS Fraud, MAIL Fraud and Mail Theft as well.
Product: Credit reporting or other personal consumer reports

Santander consumer with XXXX # XXXX, The account is reporting on my Equifax credit file, under the FCRA I have the right to opt-out from XXXX reporting on my credit file. Therefore I am asking XXXX Consumer to opt-out and remove the account from my credit file. If XXXX refuses to remove the account from any reason I will contact my FCRA attorney and file a lawsuit for actual damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. 
I would like the credit reporting agency block all information associated this act of thief. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account open by Identity theft Account : XXXX XXXX XXXX  Credit card, date open XX/XX/XXXX, credit limit XXXX Inquiries made by unknown Identity theft Company- XXXX XXXX  Date- XXXX Company-XXXX XXXX Date- XXXX Company- XXXX XXXX XXXX Date- XXXX Company- XXXX XXXX Date XXXX & XXXX ( 2 Inquiries )
Product: Consumer Loan

I had a five year loan with Drive Time, I did XXXX deferments with them. I had a few late payments, although I did send extra money. My loan was supposed to be paid off on XXXX XXXX, 2016. According to their records, due to late fees, my loan was to be paid off by XXXX 2016. I was in the process of buying a home, and I wanted to get this loan paid off. I paid it off, I gave them XXXX dollars XXXX, then XXXX dollars more on the XXXX. My Mortgage lender had emailed me and said they had lowered my credit score. I could n't get approval for a loan for the house. I called Drive Time and tried to figure why that happened. They kept telling me it was late fees, but I knew I did n't have that many late fees. Then on XXXX XXXX, my daughter got on the phone with Drive Time and we tried to reason with them, but they would not listen. I feel they did me so wrong with effecting my credit score that I was unable to buy a home. I feel everyone should know about Drive Time, how unfair they are.
Product: Credit card

I received a copy of my credit report from all XXXX of the credit reporting bureaus. An account with The Home Depot was listed as an adverse account. I contacted XXXX. They stated that I need to contact each of the credit bureaus. I filed a dispute with XXXX This bureau stated in the dispute response that they reported correctly based on what XXXX reported to them. I feel like I have no way to resolve the inaccurate reporting by XXXX of an " adverse account '' for 5+ year of activity that only had XXXX account with XXXX payment over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 I called to make a car payment with Capital One Auto Finance. I made my credit card payment online, but I have been told my auto loan account was set up differently and I can not pay online. No one seems to know how to fix that, so I have to pay over the phone, which is highly inconvenient. I called on XX/XX/XXXX to make my car payment. It was due XX/XX/XXXX and it was up-to-date. Their system was down. They told me to call back. I called back over the next several days and was placed on hold or hung up on repeatedly. I kept track and I literally spent 149 minutes over 3 days trying to make my payment again. I was traveling the next week and did not have the time to sit on the phone and wait, although I did try up to the XXXX to make the payment. The phone calls were disconnected repeatedly. They reported me late making that payment. I have spoken to no less than 10 people regarding this at Capital One. I spent 4 hours and 8 minutes, speaking to 7 people on one day with no resolution. One hand had no idea what the other was doing and I got different information. I am trying to buy a house and that late payment is the ONLY thing holding me up. I am very unhappy with Capital One Auto Finance. And this is not the only time this has happened. All I want is for them to waive the XX/XX/2019 late payment on my credit report. That is all I ask. And I think it is a small request for all of the inconvenience I have gone through.
Product: Credit card or prepaid card

I closed my charge card with American Express ( here refer to as " XXXX ) within the 30 days time frame but XXXX failed to refund the annual fee to me. XXXX 's refund policy states as follows : " If an Annual Membership fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days of the Closing Date of the billing statement on which that fee appears. ". 

XXXX charged me {$550.00} annual fee on XXXX/XXXX/XXXX and I closed my account on XXXX/XXXX/XXXX, which is within the 30 days time frame. I called XXXX customer service four times regarding this refund. Every single time the representative told me that they will take care of it and the refund should be credited to my account within 48 hours. Unfortunately, I have not received any refund. I am asking CFPB to look into it and see what you can do to help.
Product: Credit card or prepaid card

Someone authorized herself as an extension user of my discover card and she change my address on file, email and phone number so I wont know but I found it out too. From  XXXX   XXXX  to  XXXX   XXXX ,    2016  she spent like {$5900.00} in a short time.  Discover card determined that there is no fraud in the accout. Im complaining the Discover car d. The same person also open a a  XXXX  CC last  XXXX  and steal all my info but the  XXXX  Cc accept the dispute right away because it 's clear to them that it is fraud.
Product: Mortgage

Problem 1 ) I went through chapter XXXX for 41/2 years paid as agreed and when I finished I was told that my trustee didn't pay the correct amount which was XXXX short from the payment, so I agreed to modification for 3 months. 
So I recently receive a statement from their lawyer stating that I didn't fulfill my monthly payments and I couldn't understand why, so I call and Bayview Loan servicing the customer service agent stated that I didn't make my XXXX payment in which I did but I paid it early on XX/XX/2019.the, and that was the reason why modifacation wasnt approve. 

Problem 2 ) So after that I immediately, call my my bankrupt attorney and still awaiting a response, it was an hearing on this issue on XXXX XXXX from chapter XXXX federal court that I receive a copy in the mail indicating a hearing had taken place over the phone from the Federal bankrupt court. I have proofn that I made all of my require payments and I'm awaiting a response back from Bayview Loan servicing .please I need your assistance Bayview Laon Servicing Loan #. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX home XXXX cell
Product: Prepaid card

Or or about XX/XX/XXXX I filed a dispute with Cash App regarding a disputed transaction with XXXX XXXX, XXXX XXXX XXXX XXXX for the amount of {$1100.00} which was sent to her through Cash App on XX/XX/XXXX. I provided proof that XXXX XXXX cancelled the agreement for the rent to own home on or about XX/XX/XXXX because she was unable to reach us due to an urgent family matter. I also provided proof that XXXX XXXX represented that she was owner of the property when she was not the owner and XXXX XXXX has committed fraud in representing she was owner of the property she was trying to rent to own with me and my spouse. Cash App representatives ignored my dispute, has not contacted me regarding it and has claimed at another time during XX/XX/XXXX, they do not see the dispute. I resubmitted another dispute on the same transaction yesterday XX/XX/XXXX. Cash App has poorly handled my dispute
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXXXXXX XXXX XXXX  XXXX - {$4300.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below please find a copy of the complaint I sent to the three credit bureaus. 

I am writing to dispute the following information in my file. In XX/XX/2020, my student loan company Nelnet Loan Services Inc. hereinafter ( Nelnet ) either intentionally, recklessly, or negligently reported all my loan statues as 90 days late in the middle of the pandemic. 
Nelnets report that my loans were 90 days late is inaccurate for several reasons. First, simply look at my credit report, in XX/XX/2020 Nelnet reported all my accounts as current, how is it possible for me to be 90 days late only one month later. The only notice I had that I was late was when I received the notice from XXXX XXXX. My Credit drooped over 100 points, I was furious. I contacted Nelnet and their holding message said, I didnt need to do anything during the pandemic. When I finally spoke to someone, they informed.me that I was 90 days late. I told them how is that possible when they just last month reported me on time, and they could not answer. When I asked why no one had ever contacted me via phone or email, I discovered that they had the incorrect phone number and email address. I have had the same phone number for 21 years and the same email address for the last 5. Furthermore, my contact information was sufficient for the previous owner of the loan to contact me via email and via phone. If there was any error with my contact information it is because of XXXX intentional, reckless, or negligent acts. When I contacted Nelnet and made them aware I could not make the monthly payment they immediately made my loan current without even providing them with a payment and instructed me to file for a repayment plan with the government. After filing my paperwork with the government, I was given payment terms of XXXX $ for a year starting in approximately XX/XX/2021. Nelnet is the one to blame for my being reported 90 days late I did nothing wrong. Had they simply contacted me like the last owner of the loan did the loan would never have been reported 90 days late. Because of XXXX action I lost out on a car loan and an apartment. 
I am requesting that the loan status for all Nelnet loans in XX/XX/2020 be changed to current and the designation of 90 lay payment status be IMMEDIATELY removed to correct the information. 
Please investigate this matter and correct the disputed items IMMEDIATELY. Please also be aware a copy of this letter is being sent as a complaint to the consumer financial protection bureau and I will be contacting an Attorney and pursuing legal action against both you and Nelnet. You company is negligent for allowing an account to be reported 90 days late before it has first been reported 60 and 30 days late. Your negligence is as much to blame in the falsities on my credit report as XXXX. Your company has a duty to report my credit accurately and you breached that duty ny allowing my account to be listed as 90 days late before first being listed as 30 and 60 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported credit error and gave them 30 days to fix/delete. It has now been 76 days and they have still not deleted erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are absolutely correct it is a repeat of a previous problem. The reason it is a repeat is because you never answered my question. My question is why did you report me delinquent on a mortgage with XXXX XXXX when I was never delinquent and you never received such a report from anyone or anybody or XXXX XXXX. So answer my question why did you show me delinquent?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been disputing the 3 credit  Reporting agencies and the collection company ( XXXX XXXX XXXX ) This is about a collection on my report, from the Company XXXX XXXX XXXX, they are collecting from a company XXXX XXXX XXXX, call XXXX XXXX XXXX in the amount {$310.00}. that I just supposedly had taken out in XX/XX/XXXX as per collection. 

On before XXXX and XX/XX/XXXX I started sending Certified Letters to XXXX XXXX to resolve it, and they return to sender without being signed. my next step was then to dispute the credit bureaus and they have been very good and deleted the collection, but Experian after taking it off my report on XX/XX/XXXX ... On XX/XX/XXXX, allowed the collection back again the exact same company ( XXXX XXXX ) same amount, in the beginning of XX/XX/XXXX. 
I have reach out to Experian sent certified letter explaining this is not my and inquired to be sent the specifics person and company and department and contract and specific way that they actually proved that this is my account. They did not sent me that proved only sent me an explanation/list of my accounts listed on the credit report and didn't remove it. 

This is the only collection account in my Report It has been very damaging and I want it gone from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : + Equifax : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX XXXX XXXXXXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00} Equifax : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX  XXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I have had my account frozen twice in the last few months for funds being taken from my account that i did not approve. I just had {$800.00} taken out of my account from a XXXX Credit card that I do not have nor did I send a payment to. Now I don't have the money to pay my mortgage that is due today and they will not call me back to fix the issue and free up that money. There security is XXXX and I'm tired of struggling because they don't fix the issue timely nor do they have protections in place to prevent this from happening in the first place.
Product: Credit card

First of all, I see that the cfpb closed my original complaint ( Complaint ID XXXX ) and I don't know why. This is far from being resolved, but since that complaint was filed, this is what has happened, which is really nothing to resolve it : 1. I have received at least 30-calls from Kohl 's . The 1st 5-6 calls were from XXXX XXXXs overseas to whom I made it perfectly clear that I would only speak to and deal with someone from the U.S., an American I can actually understand what they are saying. Those overseas people refused to transfer me to the U.S. 
2. After those 5-6 calls, I and out of the approximately 30-calls received, the next 3 said they could not send me what I was asking for, which was a detail of the purchases I made, they claim I owe for, showing my returns/credits, and/or credits for merchandise I never received. 
3. The next 4-5 calls, I would answer, and hear laughing and then they would hang-up, and then the next few calls, I would answer, they hung up, I could not hear anything. I know all of these calls were from Kohl 's because the name Kohl 's is displayed on my phone screen. 
4. What kind of corrupt yoyo company is this? I have now just stopped answering their calls. I now PREFER an American, I can understand, in the U.S., not overseas, email me so that we can get this resolved. I don't like owing money, and this has gone on for several months. These people hire some REAL NICE customer service reps!
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. 

XXXX XXXX XXXX
Product: Debt collection

Mountain run solution has added a collection that has never belonged to me. I did not open an account with XXXX  I have called them.to confirm. But nothing. I have disputed through mountain run, and they have failed to confirm. The charges or validate it. The amount alleged owed is {$400.00} which I do not owe. I've kindly asked them.to remove it but none to avail. I'm making this complaint because I need help.
Product: Bank account or service

I changed my address for my account at Ally bank to a local address in XXXX, WA. Ally bank once again locked me out of my account without even contacting me at all and are stating that they need verification that i live at that address. This address is for a food bank. I am homeless and therefore do not have any utility or other bills sent to this address. This is an ongoing problem with ally bank, but not a single XXXX of my other institutions. not XXXX, not XXXX, not higher XXXX ( my student aid bank ), not a single other financial institution has a problem with me or my addresses, but ally immediately shuts down my acct everytime i try to change my address with them. They even once changed my address against my will and without authorization, then tried to lock me out yet again. I am sorry that i do not have a permanent address like most people but surely there are other people this is happening to. my dad retired as a XXXX and had a XXXX for years and never had a single problem, but yet ally wants to give me problems all the time. This is discrimination against the homeless and i am sick and tired of it. this is like the XXXX or XXXX time ally has locked me out of my account and refused to allow me access to my own money. How are they allowed to repeatedly do this???!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never sing whit this account and Transunion reported the accounts in my credit report, the accounts are : XXXX XXXX XXXX company # XXXX, XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was laid off my job. I immediately contacted XXXX regarding my Platinum card. They advised that they would help me establish a payment plan and the card use would be placed on hold. Until this juncture, I had been a current customer for almost 5 years. A positive and lengthy history. 

The arrangement was to pay monthly and all past due balances needed to be paid in full by XX/XX/XXXX. I satisfied this payment arrangement and XXXX waived the XXXX annual fee but restricted access to credit to a {$1000.00} dollar limit on this card. This is a high annual fee card, {$490.00} a year. I asked when the {$1000.00} dollar limit restrictions would be lifted. I was advised I needed to provide another year of history. 

A year later, XX/XX/XXXX, I had to pay the {$500.00} annual fee but XXXX still has not removed the {$1000.00} limit restriction. They also will not provide an estimate of when they will remove any internal credit limit restrictions. Additionally, for the year of XXXX, they incorrectly reported to the credit bureaus that I was under a payment arrangement. The payment arrangement was satisfied over a year ago. I had 1-30 day past due over a 5 year history and this is being considered a negative on my credit reporting due to how XXXX is improperly reporting my credit history.