23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I had an adjustable rate mortgage with XXXX XXXX XXXX which adjusted in XXXX to the tune of {$4300.00} but was adjusted to {$3700.00} after loan modification. I got a second job but even with a second job, I still could not meet these terms because in addition to these payments, that I'm single parent and still had to pay for child care and other living expenses. I contacted a realtor and after a long soul searching process, I decided to put up the house for short sale in XX/XX/XXXX. 
In the midst of the short sale process my loan was sold to Select Portfolio Servicing in late XXXX and I have been living a nightmare ever since. According to them which I find hard to believe, XXXX XXXX XXXX did not give them any short sale paperwork when the loan was sold so I had to start from the beginning again and fill out all the required forms. 
I have lost 3 buyers in the process because of their shoddy business tactics. 
I have had the same realtor on record and I have given her 3rd party approval to handle all transactions but on myriad occasions they have returned and said she does not have approval to speak them. I have made 3-way calls on multiple occasions so they could speak to her. 
I have sent 3 Request For Short Sale forms ( I have proof of receipt ) to them even uploaded it to their website but they keep saying to resend or they don't have it or lost it. 
4. Every time I think I'm close to approval, they throw another wrench in the plans and ask for another BPO, which is different each time, even though I have previously submitted it 3 times and ask me to fill out another RFS. The items requested have nothing to do with the settlement statement. First sale was for {$520.00}, went up to {$550.00}, now its {$590.00} The house needs a lot of repairs ( roof, flooring, termite ) and the current buyer is a newly single divorced gentleman who works in construction and will be able to offset the cost of these repairs. the BPO does not factor I the cost of the repairs of where a reputable, ethical person conducting it would tell you. So far he has been very patient to hang in there with the process but I'm afraid he maybe the 4th casualty. 
My life is at a standstill, I can not move forward and begin the hard work of reestablishing my credit because XXXX is a nightmare and losing 3 buyers has been very tough to swallow with XXXX giving me foreclosure dates and removing foreclosure date only to throw more curveballs because of their shoddy business tactics. 
No one buys a home thinking they will lose their home, I certainly never tough this would happen to me. I have lived in this home for 12 years and it's been tough to let of the dream of home ownership and my grieving process exacerbated and been complicated by XXXX. 
I have a copy of all the documents with my realtor that I have submitted to XXXX if you need them. 

Sincerely. 
Distressed soon to be former homeowner.
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I placed an dispute on transunion about my credit report saying that I was not current on my XXXX  XXXX account in which I was. Instead of updating the information they decreased my credit score saying the amount of my account increased in which it did not. I pay the same amount every month on my account, some times i pay a little more. Also Equifax decided to drop my credit score saying that my account balance decreased which are conflicting reasons to drop my credit score which violates the Fair credit reporting act. Also violates Usc 1681q, Usc1681i. Also the Fair and Accurate Credit Transactions Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with creditors being able to pull my Equifax credit report. I have applied for credit with my bank, XXXX and get denied because there is no credit history. I was part of the Equifax breech and I enrolled in trustedID XXXX and when I update my report, there are no accounts 0 for everything. I 've tried to pull my 3 bureau report with other credit monitoring companies and because something is going on with Equifax, it will not give me my score. I have called Equifax and they verify there is no freeze and say there is nothing wrong on their end because they can pull up my file, but no one else can, not even me! I called TrustedID and they say the same thing, but no matter what I do or where I go for credit, no one can access Equifax. I have XXXX and XXXX credit monitoring services and they update daily. I have XXXX and XXXX and XXXX scores are updating, however, Equifax will not update.
Product: Credit card or prepaid card

This complaint is being filed against Citi Bank ( specifically credit card division ). I have a late payment fee in the amount of : {$28.00} assessed on my account, ending in : XXXX. I spoke with CS ( based in XXXX! ) via chat today, and they declined to waive it on the grounds that another " late fee '' was already waved on the same account in XXXX this year. I explained to the agent, called XXXX ( yes, XXXX ), that that " other '' late fee was due to a technical glitch on the side of the bank ( just like this new fee ; I will come back to it in a moment ). At the beginning of this year I reported a LOST Citi credit card. So I received a new one, with a new number, ending in : XXXX. I did make a TIMELY payment on that account, but it was under the OLD credit card number. Therefore, it was Citi 's responsibility to " transfer '' ( so to speak ) my payment on to the NEW card ( new card number, but the SAME account ). Now, about this NEW late fee. I did make a payment this time around a few days after my due date ( that's true! ). HOWEVER, I did attempt to make that payment on its due date. I have 2 Citi credit cards and they have the SAME due date. Therefore, it makes NO SENSE that I will pay only one card, but not the other, and thus risking being charged fees. Besides, my balances are rarely large. I was NOT allowed to make a payment on card XXXX because the web site would NOT allow me to make a payment selection. The selections are always : minimum payment, remaining balance, etc. In my case, those options were " blocked '' ( grayed out ) and there was a message that said something along the lines of " no payment was required ''. I knew that was odd but there was nothing I could do about it. Does Citi think that I've concocted this story?!? Because I've been a client for more than 10 years, and I would not appreciate anyone questioning my integrity. I am not going to pay this late fee because I remember very well what happened recently ( described above ), just like I remember very well what happened back in XXXX of this year. Thank you for your attention.
Product: Debt collection

There is a Capital One account listed that I owed them which I recall settling out an old Capital One account years ago and I do not owe a debt to Capital One. I have disputed this with no response please help. 

The account is reflected on my credit file as Capital One XXXX {$760.00}
Product: Debt collection

State Farm Bank refuses to provide me with proof that my rights have not been violated. I will not be paying for something that I did not open nor authorized. This is a fraudulent account which needs to be deleted, removed and blocked from my XXXX credit report. I spoke to someone last month and she was supposed to have sent me a letter on steps that I need to take in order to get this matter resolved but I never received any correspondence on how to delete and remove this account.
Product: Consumer Loan

Capital One Auto Finance is not deleting an account from my credit reports, which is more than 8 years since last delinquency.
Product: Checking or savings account

In XX/XX/XXXX, Ally Bank advertised on the internet with a promotion if a customer open a saving account with Ally Bank and the fund stay there until XX/XX/XXXX Ally Bank will pay 1 % Bonus for the funds moved in there and will get paid 1 % of the fund in the account. So I moved {$50000.00} from XXXX on XX/XX/XXXX and the fund stayed there until XXXX.They do not pay me ( {$500.00} ) as promised. When I called them on XX/XX/XXXX to ask them how come I still have not received my bonus they said it is not new money because I moved the money from Ally saving ( ending in XXXX ) to XXXX and then invest in the getpaid account ( ending in XXXX ). Once the money is in XXXX it is new money. They try to rip me off and not pay me as advertised. This is scam. I am really XXXX and need help. If the do not pay me as promised I will broadcast my experience in the internet and they will lose a lot of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold by XXXX on XX/XX/19 to a company called XXXX. I have paid my mortgage on time every month since a modification almost 1.5 years ago. I have been building my credit back because of this. XXXX has now reported me to the credit bureaus for a modification that took place 1.5 years ago. You can't get an American on the phone unless you have 2 hours - they won't help me, they are a scam and they appear to be doing this to a lot of people. XXXX had a civil suite brought against them. XXXX is on the same track. This place is horrible. 

I can prove my on time payments through my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new credit card at XXXX XXXX XXXX  and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the XXXX XXXX Inquiry. 

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: Student loan

I was with a third party consolidation company called performance XXXX who misrepresented themselves by saying they will file all the paperwork for a pay as you earn and I was under the impression that they would be my loan servicer and not XXXX that I currently have. I found out after paying them for 2 months of services that they just consolidate and that 's it. I tried to cancel their services but they state to go through loan servicer XXXX who has no record of them and either does the department of education. I believe that I have been scammed and now I have to figure out how to cancel services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against XXXX as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that The Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my XXXX credit report on accounts that report closed, XXXX balance, unknown account status, or hasn't updated in over a year. XXXX inserted in the comments Account in dispute-reported by subscriber. Account information disputed by consumer under the Fair Credit Reporting Act. I contacted XXXX XXXX and Portfolio Recovery Association and I explained that it will affect me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

Actions Taken : I contacted XXXX on XXXX XXXX, 2020 and asked them to remove the note that it's in dispute. I told XXXX that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with XXXX  themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the inaccurate information after multiple disputes. CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I made a settlement arrangement on XX/XX/XXXX and payment to Navy Federal Credit Union in the settlement amount of {$6200.00} on the arranged date of XX/XX/XXXX. I requested via email at XXXX. This was the same email that the company requested I use, and sent communications to me. They refused to respond to communication, and are attempting to collect more after the settlement. 

On XX/XX/XXXX I received an additional communication from messages.navyfederal.org, requesting me to pay another {$890.00} on an account that should have been settled and closed. 

The account no longer appears on my Navy Federal portal.
Product: Vehicle loan or lease

WELL THIS COMANY CALL MY HOME ON XX/XX/XXXX I M A CO SIGNER AND MY GRANDDAUGHTER IS SOLE DRIVER OF CAR SHE PAID HER PAYMENT ON XX/XX/XXXX AS THEY STATED BECAUSE SHE LIVES AND WORKS IN XXXX AND I LIVE IN XXXX TX AS THEY KNOW THEY INSIST ON CALLING MY HOME NUMBER 3 TO 5 TIMES A DAY I HAVE IT RECORDED I EXPLAIN TO THEM SHE IS THE ONE TO CALL THEY REFUSE AS SHE TOLD ME SHE HAS CONTACTED SUPV THERE AND PAID HER BILL SHE WAS LESS 30DAYS LATE I GUESS HOWEVER I TOLD THEM STOP CALLING ME THEY REFUSE AS EVERY MORING AFTERSON EVENING THEY ARE CALLING MY HOME I TOLD MY DOCTOR ABOUT THIS YESTERDAY AS I HAD TO GO SEE HER AND THEY ADVISED ME TO REPORT THIS IM SENIOR AND ON DO NOT CALL LIST THEY HAVE MY GRANDDAUGHTER WORK AND HOME NUMBER SHE ASK THEM TO CALL HER SEND ANY MAIL OR PRINTOUT ON HER CAR TO HER ADDRESS THEY HAVE THEY REFUSE AS I GET HER STATEMENT SAYING YOUR BILL IS DUE NOT LATE BUT DUE I DONT KNOW WHAT ELSE TO DO THEIR NUMBER IS XXXX XXXX XXXX I KNOW IT BY HEART THATS HOW MANY TIMES THEY CALLED MY HOME AS I AM WRITING YOU THEY CALLED AGAIN PLEASE CAN YOU DO SOMETHING TO STOP THIS I NOW TAKE MEDS FOR THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report DOES NOT appear in the Equifax system. I have lived in the United States now for more than ten years and have credit reports with XXXX and XXXX ( good credit scores, 750+ ). I have credit cards with XXXX XXXX  XXXX ( since XXXX ), XXXX ( since XXXX ), and several store cards ( XXXX, XXXX XXXX, etc. ). My total credit limits exceed {$50000.00} across these cards. I also have an auto lease with XXXX XXXX XXXX I am now applying for a home loan not having the Equifax report show up is an obstacle. 

I spoke with Equifax agents 4-5 times who asked me to send them my social security card, drivers license, and lease copy for residence proof. I did that three times : twice via USPS in XXXX and once via fax in XX/XX/XXXX. They claim to never receive it, or, it does not show up in their system. 

I have been on 4-to 5 long calls with their agents and nothing resolves.
Product: Checking or savings account

Sun Trust will not answer their phones and have not responded to any voice messages. Calls made man times to XXXX XXXX, and XXXX XXXX with NO RESPONSE from either. 
Sun Trust Bank, NA has 72 hours to respond before I file a formal complaint of bank fraud with the Attorney General of the State of South Carolina.
Product: Debt collection

I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX XXXX XXXX XXXXt. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : Child Support Enforcement # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am expressing my concerns about zelle and their poor handling of disputes. After multiple attempts to rectify discrepancies between zelle and my bank there has still been zero solution. St that time I was informed that these transactions are untraceable and it is impossible to retrieve said fund 's. It has now come to my attention there is a lawsuit regarding this same exact issue. This proves Zelle did not protect who used their system. This leaves those individuals, and their accounts vulnerable, and lets multiple scammers exploit the system for their benefit.
Product: Mortgage

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I ask for CPA accounting. Wells Fargo is the trustee and transfer agent for all this information. I don't no where a XXXX XXXX come from out of this. It was 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  This information s going too various of land company. And I am listed as sole member of these addresses. And general partnership of these business. Why don't I have it. Who has my information hide it from me. I should have my office address too this information and my computer system to all this information as well and bank account information too. All this information is expired. I am listed as the lawfully owner and tax payer. But somebody is refuse me all my rights. Please delivery too me all I am asking for. My office and who is in charge of my stuff. Who ever in charge of my stuff is expired. I have no attorney n fact or trustee no more. If I do it fraud. Please give me all this information by way of mail or email which wells Fargo already has on file my bank account is already with them. Also. Cfpc .what happen too the complaint on 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 opened the account with Discover Bank in XXXX, and the account was closed in XXXX. I am asking for this account to be deleted, because it has been XXXX years.
Product: Mortgage

My Fianc paid the company XXXX to help her get a modification on her mortgage, after approx. 2 years of this company going back and forth and asking for paperwork which we gave them, and switching people working on our file an loosing paperwork, they advised us back in XXXX of 2017 they could not help us any longer and we would have to file for chapter XXXX. Not once did they get in touch with us after that day and I have tried several times to call them back and ask them for some type of refund and they do not answer our calls. Total disrespect for a person reaching out for help.
Product: Checking or savings account

On XX/XX/2018. I filed a fraud claim with citibank for the amount of {$310.00}. I was told i would receive a provisional credit within 10 days. I never received it. On XX/XX/XXXX they told me that my claim was approved and i needed to wait an additional 10 days for my credit appear. Today is XX/XX/2018 and i still have not received my credit.
Product: Student loan

F.H. Cann & Associates is calling my place of employment and harassing me.
Product: Credit reporting or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have send out XXXX XXXX XXXXXXXX to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items.