23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

At the beginning of XX/XX/2019, I opened an account with American Express ( AMEX ) and qualified for their Business Platinum charge card. They had a promotion where if I spend XXXX during the first XXXX   months I get XXXX AMEX points. I also added my brother to the account since he is the business manager for my company XXXX, XXXX and this is a business financial product. Post-approval and post me spending the XXXX as advertised on their promotion and not owing AMEX XXXX dollar or being behind on any payments due, they proceeded to perform an income verification using my tax records from the IRS which I completed a form provided by AMEX and authorized them to perform the income verification. Upon doing " their due diligence '' they decided to put a limit of XXXX on a card that according to them has " No preset limit ''. Not only do I make more than enough money to afford this product they also restricted me from using my points and now I have to make a payment first every time I'm going to use the card in order to have that balance available for use. This is extremely discriminatory since I'm a person from Hispanic descendants and my last name is XXXX they feel that this is ok, It's flat out degrading and humiliating as a business owner. I have proven myself financially to them yet they chose to discriminate against me. If I add an additional user to the card and we both use the card for the sake of the business ( XXXX, XXXX ) why does it matter who spends what as long as it's paid on or before the due date established by AMEX which I did with no issues? They have cost me almost XXXX of phone time calling in about issue after issue including my card getting declined after I spent over an hour discussing why is my card getting declined. Please help I'm sure they are doing this bait and switch to others out there.
Product: Mortgage

Wells Fargo Home Mortgage has not sent me what I have requested for the last 3 months which is the closing documents sign in 2009 as I have requested time after time. Wells Fargo Home Mortgage keeps sending me refinance documents in which I have never requested and a bunch of papers of the same thing in the package. 

I want the closing documents in 2009. I have my documents that was giving to me with over 20 signatures lines left blank. Wells Fargo Home Mortgage has been advoiding sending only what I have requested. 

There are several issues with the documents as other documents that have yet to be authenticate signatures that are in question on Wells Fargo Home Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding amount with AMSHERCOLLECTIONSERVICES last reported on XX/XX/XXXX for a total of {$72.00}, originally from 11 charter communications original creditor XX/XX/XXXX. This is some kind of sick joke. Charter equipment was returned 0n XX/XX/XXXX with {$0.00} balance. I was never sent a bill, nor do I have a debt with any of these businesses. SO please correct at your earliest conveniecne.
Product: Credit reporting or other personal consumer reports

I have just obtained a copy of my credit report and noticed the following errors. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not have a contract with this company. Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. 

2 ) XXXX XXXX XXXX XXXX XXXXXXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED!
Product: Credit card

I am writing to file a complaint against Robinhood CreditXXXX regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the Robinhood CreditXXXX website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.
Product: Mortgage

I fell behind on my mortgage several times throughout the years. I have submitted several applications for a modification before being told that the investor/owner of my loan did not allow them. Since then, I have been encouraged for several years to apply for a loan modification by my mortgage servicer, Ocwen. I explained to them that they continue to send me the applications and encourage me to apply, when they told me that my investor did not allow them. I later contacted the investor to be told that they did not make such a decision as it related to my loan, however, they refused to get involved when asked to contact the servicer. They did send me a letter. I contacted Ocwen several times over, demanding that they check my note to see if the investor/owner permitted modifications at the present time. They again told me that modifications were not allowed. I applied again last week and was denied the HAMP Tier 1, HAMP Tier 2, Shared Appreciation Modification and Proprietary Modification programs. My non-approval notice read " Unfortunately, the owner of your loan does not allow loan modifications. Please note, not all eligibility factors were evaluated ''. They also ran my credit report when they " knew '' I did not qualify. In the meantime, I checked my original mortgage note to find where it read " modifications are allowed ''. I can not believe how deceitful and manipulative these servicers are. Please, grant me the modification that I qualify for! To add insult to injury, I attempted to compare my original note with what Ocwen recorded as my note, it shows an entirely different note. The property recorded does n't belong to me, I have never held the account number listed with any of the many servicers that I 've had and my signature is not listed on the note. Someone else signed their note and Ocwen has it recorded in my case file. This raises questions as to what note they 're actually reading and if this is some sort of rip-off or scam? I also question Ocwen 's contract with my investor/owners, XXXX?
Product: Credit card

I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or compay .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a medical bill in collections that was supposed to be paid by my insurance carrier. Additionally, I never signed an agreement with XXXX XXXX XXXX to guarantee payment as I was on XXXX at the time. 

I was not able to contact the company directly because they don't have any contact information on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor called me XX/XX/XXXX @ demanded payment in full ... I paid the outstanding balance of {$1400.00} XX/XX/XXXX. In  XX/XX/XXXX the creditor appeared on my credit reports for all the agencies as {$1400.00} being charged off in XX/XX/XXXX and that amount still being owed to the creditor. I filled disputes, it is removed and a month later it is back on. I called the creditor and they found it was paid in full in XX/XX/XXXX and agreed to correct the information with the credit bureaus but it is still on my credit report. Creditor is XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax as of XX/XX/2023 has reported me as deceased and XXXX of my accounts have been reported as closed. I have diligently been working on improving my credit over the past two years and yesterday my Equifax score plummeted from XXXX to XXXX. And this just so happened to occur days before I was set to be approved for a first time home buyer program. As you can imagine this is absolutely devastating and I'm frantically searching for answers and a rapid solution to resolve and correct this matter. I believe that my rights under the Fair Credit Reporting Act have been violated. And I am seeking legal action against Equifax at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account FIFTH THIRD BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FIFTH THIRD BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently reviewed my credit report and i found several discrepancies in the below accounts. I wrote to each bureau to please fully validate the reported information and remove anything that they couldn't provide signed, original contracts that correlated to the accounts in question. They didn't even look into it they just reposted the discussion from before that again wasn't looked into nor did I receive the information. 


XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$510.00} written off. {$510.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX  XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$620.00} written off. {$620.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$220.00} written off. 
Status updated XX/XX/XXXX XXXX
Product: Mortgage

I sold my house in XXXX Maine XX/XX/2020 ( closing ). On XX/XX/2020 the closing papers and payoff funds ( {$190000.00} ) were wire transferred to TDBank, XXXX, XXXX XXXX department. I did check with my closing agent to see if this was done correctly and it was. As of today, XX/XX/2020 my mortgage balance still shows unpaid in my account. I can't believe that they have not had time in 2 weeks to payoff my mortgage. I am so afraid they paid off someone else 's mortgage. 

Around XX/XX/2020 I had contacted them by the " send us a message '' feature in my online account. I did ask what my escrow balance, to be refunded was and asked when my balance would be paid off. I did receive a reply about the escrow balance but he said they were very busy and he did not know when the mortgage would be paid. 

We have been married for 50 years now and have had 3 other mortgages in the past, I have worked for over 20 years in banking and in neither situation have I heard of a mortgage balance not being paid off within a short period of time. I find this very unsettling. On XX/XX/2020 I contacted them again and asked that they pay me the interest earned on my {$190000.00} ( XXXX -payoff date ) when they finally decide to payoff my mortgage. Never received a reply. I also, have not received a courtesy letter from the bank explaining why it is taking so long to payoff my mortgage. 

Is this the normal for todays mortgage closing??
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a identity theft victim. i have aquired a police report and a id theft report as well. 

inaccurate items as follows XXXX XXXX balance {$6600.00} this account was open by someone else chapter XXXX bankruptcy reported XXXX XXXX not my account. 
XXXX XXXX {$260.00}. not my account
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to revisit the matter of my filed complaint concerning the following 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 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
Product: Checking or savings account

I have a 12-month personal CD ( certificate of deposit ) for {$1000.00} with Bank of America , opened on XX/XX/2022. I opened this CD as a collateral for a business credit card. The business credit card has since been closed by me 3 months ago. The card was closed with XXXX balance. Since then, I've wanted to close the associated CD account as well, by prematurely withdrawing the money minus any penalties, as per the terms. Unfortunately, I haven't been able to close the CD despite repeated attempts. Whenever I call the CD department, I'm told there is a hold on the CD placed by the business credit department due to the ( now-closed ) credit card. I called the business credit department multiple times as well, and each time I was told they will remove the hold in 5-7 business days, and I should call the CD department to close the CD after that, which never happens since the next time I call the CD department, the hold remains. So, I've to go round in circles, without being able to close the CD. So far, I've spent some hours talking to both departments, and being on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am forwarding the previous email for this matter. This has to be corrected for all 4 credit bureaus once completed correctly. This chaos started as a result of a simple error in XX/XX/2021. Although XXXX payment was received 3 days past my due date of the XXXX and was received XX/XX/XXXX. XXXX payment was reported late and I asked for it to be reviewed as I have 28 days grace period. Lastly, years of payment history of prior mortgage holder late fees are all transferred to my credit file when I assumed the loan. I assumed the loan not anyone else 's negative credit. 
If this matter persist and continue past the dispute deadline date. 
I informed the XXXX that I will discuss the details pertaining to the unfair mortgage practices. XXXX has included blatant, useless, derogatory credit information on my file. I asked for the information to remove the unnecessary late fee amount that has accrued though outage life of the loan. These unfair handling of credit reporting or lack there of responding to dispute are hindering my credit worthiness. This halted my life for one year where I could refinance, obtain a XXXX loan, or make improvements using equity where necessary. My credit score has plummeted from a XXXX to mid 600 's as a result of this error as it was referred to. Documenting me as paying 10 payments or 20 late payments puts me in a very high credit risk category.
Product: Payday loan, title loan, or personal loan

Got the loan for a window replacement upgrade. I was told that I would not pay interest as long as I paid within 12 months. Loan originated XX/XX/XXXX and was paid off XX/XX/XXXX. The company changed service providers in XX/XX/XXXX where they previously showed the deferred interest on the loan statement. In XX/XX/XXXX the statements provided showed that I was paying 9.99 % interest on an 18 month loan. I made various calls to the company opening investigations. I had made arrangements to have the full principal balance paid in full before maturity. Again in XX/XX/XXXX I called as the balance was a little over {$1000.00} and said there was no reason to pay as the terms were 0 % interest and they owed me money. I was told that I had to pay the balance to close the account. I would need to call and ask them to close which I did on XX/XX/XXXX. I got a letter on XX/XX/XXXX saying that the account was closed. I called numerous times to follow up with them on the interest owed to me in the amount of {$1700.00}. They said it would be processed in 60 days. This is not what I understood to be the case when I initially entered into the agreement. The first statements always showed the deferred interest until the change of service providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I Disputed an item on my Transunion Credit Report through their Website. First of all, the debt is not mine. I also sent the collection agency my dispute notification via certified, return receipt, US Mail. The name of the collection agency is XXXX XXXX XXXX in XXXX, Georgia. The address listed for them on my Transunion Credit Report is : XXXX XXXX XXXX, XXXX, GA XXXX. My certified mail was returned because that address was bad, so therefore, I could not dispute the item with XXXX XXXX XXXX. I sent all evidence to Transunion via their Website and explained to them that XXXX XXXX XXXX furnished Transunion with a false address, so therefore this account should be deleted from my Credit Report as it can not be disputed due to a false address. I get notice from Transunion on XX/XX/2022, that they verified this account as accurate. How can they possibly verify the account when their own information about XXXX XXXX XXXX is false? This account should be removed from my Transunion Credit Report immediately. Thank you.
Product: Money transfer, virtual currency, or money service

I opened up a Venmo account for my money to go in to from a new client. I received {$150.00} went to buy food and couldn't pay with my phone. So I tried to transfer it into my friend 's XXXX  XXXX account which I couldn't, after several attempts to transfer it to another card, Venmo froze my account. Now I have to show documents, which I don't have, due to miss fortune this year. As I speak to others seems this is a come up for Venmo, other people has frozen accounts and lost there money to Venmo. I need my money I'm not trying to rip anyone off I'm the one that is hurting over this. My children need this little amount of money. But $ XXXX XXXX people world wide in a week is a lot of extra cash for free. I didn't need a id for them to openy account but now I need one to spend my funds. Seems fishy to me and many other XXXX XXXX. Thank you for listening XXXX XXXX XXXX. They can send me a check and I can cash it to prove my identity
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of everyone with whom you verified above so that I XXXX follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I am unable to view my XXXX Report or Scores. I have submitted a complaint a few months ago with regards to this same issue. Please help. Why can't I see my XXXX report or scores. 

There are also incorrect address reportings on Experian and XXXX : XXXX XXXX XXXX XXXX XXXX ( Experian & XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect Employer Information - XXXX XXXX XXXX XXXX  ) Experian have an account reporting that is not my account : XXXX XXXX XXXX ; This may be reporting on my credit file in error, please help me get this removed. I am in the process of trying to purchase a home and the fact that I can't see my XXXX and these other scores is holding me up. 

I don't know what else to do. XXXX is not showing my report and this has been going on for more than a year.