23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Beginning XXXX or so, there have been series of requests 1. to assist me in the emergency situation and 2, to reduce or to suspend my payments for a few months, Then there was a request to close my account XXXX and to let me change my address, There have been THREE complaints filed with CFPB - two complaints of XX/XX/year> and one complaint of XX/XX/year>. The only replies provided by this predatory company have been " the company is still working on response ''. Meantime, they have been bombarding me with demands of the ever increasing payments. 
Well, the attack of the XXXX, Bank of America, and XXXX  on my credit worthiness via cutting off my credit lines and making the credit to debt ratio less than 1:1, FOR NO REASON, killed my business and any possibility of my ever being able to pay off my credit cards. Before the credit card cumulative attack a few months ago, my credit rating was VERY GOOD and THERE HAD BEEN NO LATE PAYMENTS EVER,. As of today, my credit rating is " poor '' and I am a total financial and physical ruin, I can not file for bankruptcy from XXXX, And I can not return to the XXXX, because, as of today, my only income is a very small SSA, I have only one working credit card left- XXXX  with the credit limit {$2000.00}. My business has been killed by the credit cards and credit bureaus, I do not feel responsible for any nonworking credit cards, which remain open with the only purpose- to multiply the bank bills and fees. 
The only credit card I am responsible for is XXXX with the credit limit of {$2000.00} the limit remains what it is and has been, I have been repeatedly demanding that Bank of Amerika close my account XXXX. And now I demand that they close my XXXX  Rewards card XXXX, because a week ago they declined payment for a grocery bill. I ALSO DEMAND YET AGAIN THAT THEY CEASE AND DESIST, I shall file for bankruptcy as soon as I can find an attorney who will be willing to do it free of charge,
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that there were accounts that were not reporting accurately and that were incomplete. According to the F.C.R.A whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I disputed the information with the credit reporting agencies, but nothing changed or was corrected. I sent them a letter to reinvestigate these accounts listed below because : [ XXXX / XXXXXXXX XXXX ] the closed date, last activity and payment history are not correct. This account is not accurate. 

[ XXXX La ] the last activity and payment history are incorrect. This account is not accurate. 

They have not responded to me. 
[ XXXX ] the closed date, last activity and payment history are incorrect. This account is not accurate. 

[ Us XXXX. Of XXXX ] the closed date, payment history, and last activity are incorrect. This account is not accurate. 

[ XXXX - XXXX ] the delinquency information on this account is incorrect. This account is not accurate.
Product: Checking or savings account

i have not been able to access my account at us bank since XXXX bank says its on hold for review i have spoke with branch manger he said there are no information except its on hold the branch manager the staff also staff at other branches of bank and about 4 times over the phone requested for more information and to contact me either with phone or email and still my last contact last friday she said she will go ahead and request info and i told her i have done that more than few time it has been requested several times i asked her i know you can call some one in us bank system and tell them whats happening she said i only can request more info my full name is XXXX XXXX cell number XXXX XXXX XXXX i have a checking and saving account i have been paying monthly fee and intrest rate on my checking reserve line i have lost over {$1300.00} for not being able to do bussiness at and for my work such as direct deposit and being unable to purchase things for my work and every day life.i need to find out why us bank has left me hanging like this
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised by a number of sources, but the main reason is the lost of my wallet. This lead to being a victim of the dark web as well as being caught in the XXXX breach. Now the result of all this is unknown and fraudulent accounts appearing and reporting on my credit file. I'm demanding these accounts to be removed immediately. 

1 ) XXXX XXXXXXXX {$110.00} 2 ) XXXX XXXX {$160.00} 3 ) XXXX XXXX   {$310.00} 4 ) XXXX XXXX  {$730.00} 5 ) XXXX XXXX {$60.00} 6 )  XXXX {$1000.00} 7 ) XXXX XXXX XXXX {$300.00} 8 )  XXXX XXXX {$790.00} 9 ) XXXX XXXX {$790.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX   {$300.00} 12 ) XXXX XXXX {$790.00} 13 ) XXXX XXXX {$500.00} 14 )  XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therfore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX Balance {$7400.00}, XXXXXX/XX/XXXXBALANCE {$7400.00}, XXXX XXXX XXXX balance {$61.00}, XXXX XXXX XXXX Balance {$490.00},XX/XX/XXXXXXXX balance {$460.00}, XXXX XXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XX/XX/XXXX balance {$0.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Student loan

I hold XXXX student loans with Citibank. I decided in XXXX to submit their auto-debit form. Unfortunately, the form can not be submitted online and must be mailed. Citibank has no record of receiving my request. I only realized this yesterday when XXXX notified me of a late payment on my credit file. I immediately logged into the Citibank student loan website, made the payment, and sent them a message inquiring about the issue. They responded that they had not received my request. 

In the past, Citibank used multiple methods of contacting me including sending paper statements and telephone calls when I had n't paid by the due date. It appears they have changed their practice. If they had maintained the contacting methods they used in the past and that are similar to other creditor practices, this situation would have been avoided. 

I am seeking a mortgage for my first home and this derogatory credit reporting will severely impact that process. I am seeking a resolution where at the least Citibank removes the derogatory credit reporting. To help others, they may also streamline the auto-debit process, and be much more clear about notifying consumers when they change the method of contacting them in similar situations.
Product: Debt collection

There is a debt on my credit score in the amount of {$440.00} from penn credit corp. This is not a accurate listing. My security deposit of {$500.00} was never returned to me, In which case if I applied a security deposit I should not have an end balance bill. this collection agency can not keep coming after me for a bill that has been paid in full. I have also asked them to send me several documents showing.. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

they have refused to send this information to be. I would like this removed from my credit reporting.
Product: Mortgage

I've tired for a few months to make payments online since COVID-19 pandemic. Their website reflects no fees to make payment online ; however, when you try to make a payment on line the system has been in error code once you enter you username. You can not make a payment on line so you are forced to make a payment by phone which cost {$15.00}. There should be no reason why a company this large can not have their website up and running properly for over 3 months.
Product: Credit card

I called to find out why I could not pay the bill with this one card I have used many times they said the CCV was wrong ( it was not ), then they said the address was wrong ( it was not ) they said they wont fix the issue. They are doing this because I pay my bill on time and dont allow the intrest to kick in
Product: Credit card

I added my child as an addon user to my Citibank DoubleCash credit card to help build credit history. I was asked to sign and send a form SSA-89 which I signed and sent back as the father of my minor child. However I got a letter in the mail after a couple of months from Citi saying that they were unable to get the SSN verified and that I should contact them. I contacted Citi over phone and the representative had no information about the case. She told me that I would be contacted by Citi but that turned out be a false promise since no one from Citi ever contacted me to get my issue fixed.
Product: Checking or savings account

Ive been with capital one over XXXX years for the last XXXX years Ive gotten my direct deposit from work on Wednesday. I have not changed employers I have the same employer. Well today on Wednesday, XX/XX/XXXX, not only is my direct deposit not available and showing in my account. I can not view my account information all day long. My account says that they are unable to access the details of my accounts, and my account is still reflecting a negative balance. Which is another problem I have overdraft protection which has allowed me for the last XXXX years to overdraw up to {$200.00} now all of a sudden when I cant view my account, I am no longer allowed to overdraw my account for that amount. Capital One has previously allow me to go into overdraft to make payments towards my other Capital One credit cards and also take the money off using XXXX XXXX Over the last XXXX days I have been denied getting money out of my account when the negative balance is only {$110.00}. They denied and returned my {$30.00} credit card payment to my capital one venture card resulting in a late fee and a return fee and also returns on other payments that I made. So I have access issues. I cant do the information in my account online or in the app. the representatives can not tell me I can not access my funds and my direct deposit is not available and no one can help me at capital one. I have attached screenshots showing my direct deposit from XXXX XXXX  posting in this account every Wednesday as far as I could go. I am also posting screenshots showing why I tried to access my account information throughout the day and can not.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, XXXX/XXXX/XXXX I SEEM TO HAVE A HUGE PROBLEM WITH XXXX MORTGAGE COMPANY. THEY ARE NOT REPORTING TO THE CREDIT BUREAUS OF MY PAYMENTS MADE ON MY HOME AND THIS IS AFFECTING MY CREDIT. I FILIED BANKRUPTCY ON XXXX/XXXX/XXXX AND IT WAS CHARGED OFF ON XXXX XXXX. IN THE BANKRUPTICY IT CLEARLY STATES THAT I WAS KEEPING MY HOUSE AND HAVE BEEN MAKING ONTIME PAYMENTS FOR 3 YEARS AND 6 MONTHS. MY LAST LATE PAYMENT WAS ON XXXX XXXX, XXXX AM DISPUTING THIS. THEY WILL NOT ACCEPT A REAFERMATION AGREEMENT. MY LAWYER DREW UP AN REAFERMATION AGREEMENT AND THEY REJECTED IT BECAUSE IT WASNT DURING THE BANKRUPTYCY TIME PERIOD. I NEVER WAS GIVEN REAFERMATION PAPERS FROM XXXX TO SIGN DURING THE BANKRUPTYCY, ENCLOSED ARE THE STATEMENTS FROM XXXX MORTGAGE OF MY PAYMENTS MADE. I WANT TO THEM TO REPORT TO THE BUREAUS SO I CAN CONTINUE REESTABLISH MY CREDIT. 
Also. Please check to see if pnc mortgage was charging me interest on my home during this time period during the bankruptcy period! 
Please include credit report if possible!
Product: Mortgage

I was approved for a loan modification and set in paperwork to start loan repayment. After I sent paperwork in agreeing to the loan modification ; I was told that my paperwork was not accepted because my signature did not look authentic. I was told that because of the signature problem, my paperwork need to be redone. I was told not start paying my bill because my loan had not been processed yet. I was told that I had to resubmit my paperwork and will start paying from that date once I got approval on my signature. I was told no payments need be taken at this time. So I was sent paperwork about 90 days later to re-sign and send in to my loan officer. I was told to start paying my mortgage on XXXX. I got a phone call few days after this meeting stating I owed XXXX worth of payments and it needed to be paid. I explained that this was not what I was told and I could not pay it. I was told then my house would go into foreclosure. I requested to speak to a supervisor and I was denied twice. I was denied my home modification and now facing foreclosure because of wrong information was provided to me and my signature not being accepted. I requested assistance from my point of contact and he never calls me back. I never got a chance to speak to a supervisor about my situation. Since XXXX/XXXX/XXXX, I have being calling my loan officer with not return calls and not direction into how to save my home.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX XXXX in XXXX  Us auto credit financed the vehicle 3 months later the motor went out in the vehicle and I lot the company know they insisted on me keeping the vehicle and refused to get it until they had no choice. After they picked the vehicle up they sold it at an auction for XXXX? my original loan amount was XXXX now theyre suing me for XXXX! When after they sold the vehicle they said I would just be responsible for the restitution. This has been a complete nightmare! Ive also saw where they have done multiple people the same way
Product: Mortgage

On XX/XX/2023, we paid off our home mortgage, which was with XXXX We had received notices that XXXX was selling our mortgage to MrCooper, as of XX/XX/2023. When we did the payoff with XXXX on XX/XX/2023, they said everything was correct and that it was good we did it earlier than XX/XX/2023, so we could avoid any possible issues with the transfer. We did everything properly and it should have been fine. 

But, instead, we received bills from MrCooper. We called them to confirm they did not have the loan and we had paid it off before it went to them. They said the loan was somehow transferred to them on XX/XX/2023, so they show that we owe them the full mortgage. We have been calling and emailing since. MrCooper said it would be fixed in early XXXX, then XXXX. Now they say it should be fixed by XX/XX/2023. 

Our escrow is due to be returned to us and has not been. Further, we continue to receive bills from MrCooper. They made the error, we did nothing wrong. And yet, we are negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate Bankruptcy on my Credit Report at all 3 Credit Bureaus and LCI Consumer Center and it continues to report on my credit reports. 

LCI Consumer Center has not responded to my dispute, and the Credit Bureaus continue to report the Bankruptcy that I never filed.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report that I did not authorize. On XXXX there is XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023 and on TransUnion there is XXXX XXXXXX/XX/2023, XXXX XX/XX/2023. I have notified both agencies and nothing has been done about this.
Product: Student loan

I am considered 100 % totally and permanently XXXX by the Department of Veterans Affairs ( VA ) due to military service-connected incidents. I currently have student loans with Sallie Mae Bank valued at {$25000.00}, and am trying to have them discharged on the basis of my XXXX. Currently, XXXX XXXX XXXX is overseeing the claim process on behalf of Sallie Mae, and despite sending in multiple pieces of documentation from the VA stating that I am totally and permanently XXXX, and that I am unable to seek individual unemployability due to already being rated at 100 %, XXXX XXXX XXXXXXXX insists otherwise, and wants me to seek out a doctor " that has treated [ me ] and considers [ me ] to be totally and permanently XXXX. '' This has been an ongoing issue since XXXX XX/XX/2022, and the most recent piece of correspondence from XXXX XXXX XXXX is dated XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { Account number, Creditors name, due to { the reason you selected in your original dispute }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violatesmy rights as a consumer, as well as federal laws.
Product: Mortgage

This complaint is against Amerisave Mortgage and XXXX XXXX Loan Originator NMLS ID # XXXX Amerisave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, Suites XXXX & XXXX XXXX TX XXXX The purpose of the complaint is to point out deceptive and potentially illegal methods being used by Amerisave Mortgage. Since there a multiple concerns that span a period of 4 months, providing all details will be extensive for this initial complaint. Some of the key points are ; XXXX. Over a period of 120 days, Amerisave changed the XXXX & XXXX approximately XXXX  times. 
XXXX. XXXX XXXX refused to lock the rate, and stalled the application and re-finance process so that Amerisave could charge a higher rate. 
XXXX. On XX/XX/XXXX on a recorded line, I instructed XXXX XXXX not to conduct a hard credit inquiry. This was on a recorded line. Provided my instructions on Saturday XX/XX/2021, XXXX pulled my credit report. 
XXXX. On XX/XX/2021, I was contacted via email by XXXX XXXX ( XXXX ID # XXXX ), who wanted a letter so they could reverse the unauthorized credit pull, even though Amerisave violated FCRA regulations, they would not reverse the inquiry. 
XXXX. In an email of XX/XX/2021 : XXXX XXXX initiated a XXXX application " WITHOUT CONSENT '', XXXX. In an email of XX/XX/2021, XXXX XXXX provided a copy of an Appraisal Report, this appraisal was conducted without my consent. 
XXXX. In an email of XX/XX/2021, XXXX XXXX advised me that Amerisave has declined my application for Re-finance. 

The last date I contacted Amerisave was XX/XX/2021, therefore no application for a re-finance was submitted by me, hence Amerisave under fraudulent means boarded an application and subsequently denied it. 

In my possession I have emails, text messages, and loan estimate documents which can be provided during the investigation process.
Product: Credit card

I have two accounts on my credit I didnt authorize to be open. so far Im waiting back for experians response also. I have an XXXX XXXX XXXX and a credit card I dont open on my account that is fraudulent and probably more as Im waiting on XXXX also this is a private trademark with a principal register number I didnt give the record of consent for these accounts please help me locate where theyre being used and who opened them.
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world that student loans were reported on my credit report? The student loan is a government funded loan. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to  purchase a home 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute with both XXXX  and Experian unsuccessfully to have this inaccurate information removed. My credit reports are showing I have a deliquent account with XXXX XXXX XXXX which is incorrect. I asked them to send a validation giving a detailed breakdown of the alleged balance I owe. They sent this document which reflects a XXXX balance. If I owe something then I need proof of it and they have been unable to provide proof. I have attached a statement showing a XXXX   balance that I received from the alleged creditor.