23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Prending to be me and change all of my info and cleaned out my account and I had no idea what happened and withdraw all my money off my credit card and identity theft and lied on social security saying that I changed my address and everything else and I've haven't done anything and I had to file a claim against the direct Express department and police report as well and they took the money off my credit card and they said that someone else did it from XXXX NC? It's sad that we have humans in the world like that and now I can't pay my bills now and I might be homeless because of this situation.
Product: Debt collection

I filed bankruptcy ( chapter XXXX ) in XXXX, Then I filed chapter XXXX in XXXX and all my debt was cleared. But this Company HSBC Bank, keeps showing as a collection on my credit Brueau. I really do n't even remember opening this acct. Because at the time they say this acct. was open I was in Bankruptcy at the time. When i called the Co. last yr. XXXX, and explained this to them, they could'nt even sent me any evindence that this acct. was mine. And they never tried to even contact me about this debt that they show I owe. Thank, for your help with this matter.
Product: Mortgage

I used my money for a down payment with the loan originator XXXX XXXX on behalf of Sun West bank. Im a home owner of two properties so I was informed this way my wife XXXX XXXX account # XXXX they committed fraud against me. They also used fraudulent documents
Product: Payday loan, title loan, or personal loan

I have been trying to work with this company to repay my debt. I attempted to stop the XXXX withdrawal from my account this Friday ( XXXX ). My response was : I am sorry for any inconvenience, once a payment arrangement is scheduled, it is unable to be changed or canceled for any reason. The payments will have to be debited from your account as previously agreed. 

Since, I have reviewed the ACH section of the loan contract, and it does not provide instructions for stopping an ACH withdrawal, which now has me questioning the validity of this contract.
Product: Checking or savings account

Auto loan AUTO INSURANCE PREMIUM REIMBURSEMENT HAS RUINED MY PERSONAL AND BUSINESS CREDIT SCORES or reasonable working capital financing. The auto insurance coverage period in question is XX/XX/XXXX to XX/XX/XXXX ( same time frame as the account fraud ) and I did not get my refund until XXXX... which is almost 3 years later to finally get my initial check. Here is the series of events that ruined my credit : a. I sent Well Fargo proof of insurance in XX/XX/XXXX and I did not get my check until the first week of XX/XX/XXXX why would it take another 2 3 month on top of initially waiting almost 3 years b. So, I made the deposit and then c. a stop payment was placed on the check ( no explanation for why and no apology for one of many inconveniences ) and I was charged a {$30.00} stop payment fee. The check amount was for {$1500.00}. So a total of {$1600.00} was debited from my account. 
d. So then I told XXXX XXXX from Wells Fargo Dealer Services, I received the replacement check on XX/XX/XXXX and made the deposit today which means I won't be able to make the payment until the check clears on Friday XX/XX/XXXX or Monday XX/XX/XXXX ; e. So, of course, my credit score has been impacted by this going back to XXXX which is my point about collateral damage resulting in lower credit scores leading to predatory loans and is another part of why my business is suffering. This money was going to be used to catch up on my mortgage that I am already 2 months behind on and I will incur additional late payment fees. 
f. Of course, my reaction was disbelief as to why would a stop payment be placed on a check that I clearly provided to you a copy of proof of insurance certificate from my insurance company. 

So now my credit score has been damaged and I was denied a mortgage modification and was given a forbearance plan instead - due to everything that Wells Fargo has put me through with the account fraud and resulting collateral damages and especially the collateral damages from 8 + month long secret biased one sided investigation. So my credit score needs to be repaired. 

I have attached a copy of the XXXX XXXX  mortgage  fo
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Debt collection

I have never done business with HP Sears. I have never entered into a legal binding contract with HP Sears and you can not report to the credit bureaus if there is no contract with the company. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX  XXXX. 
If no validation is provided, proving I have never signed into any legal binding contract with HP Sears, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. Again, I would like to see a legal binding contract between HP Sears and myself confirming I owe referenced, reported debt. If HP Sears can not provide a contract, I want these items removed from my credit reports with all 3 major bureaus.
Product: Mortgage

Rushmore Loan Management purchased my mortgage from XXXX Mortgage at the end of XXXX at that point I had my mortgage paid up until XXXX & my current principal balance was {$190000.00} Rushmore sent me my XX/XX/XXXX statement stating that I owe them {$5600.00} & my mortgage balance is {$200000.00} They are sending me collection & past due notices. 
How can they be so incompetent?? 
Not sure what is going on with this company. I have had nothing but problems dealing with them. 
I am attaching a document that I have received from XXXX Mortgage showing what my current balance is ( {$190000.00} ) & my next due date ( XXXX ). 
Rushmore already has this document & they are the ones that purchased the mortgage so they have all the details regaring my loan. ( makes sense ) Dates payments made to Rushmore : XXXX {$2000.00} [ Principal {$1600.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$1800.00} [ Principal {$1500.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$2000.00} [ Principal {$1700.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$2000.00} [ Principal {$1700.00} Interest {$310.00} ] XX/XX/XXXX Payment I have verified that these payments have cleared my bank & are posted on the Rushmore site. So why/how did my mortgage balance go up & how do I owe them {$5600.00}??? Why is this so hard for Rushmore to figure this out?? I have spoke with many incompetent reps & managers at Rushmore that just either hang up or disconnect my call. Is this a real mortgage company?
Product: Credit card

1. As per XXXX XXXX previous complaints, Citi made this credit card totally unusable by a. reducing credit limit by {$4000.00} and eliminating the cash access completely, XXXX, By their own action, they ruined my credit card score for NO reason - no late payments ever, no overdrafts ever, no reason for their truly evil activities,, But their intentionally harmful actions resulted in my credit score being reduced by 30+ points, making refinancing impossible via any creditor.

3, Accepted unauthorized charges to the tune of {$200.00} and insisted that those charges be a part of my MIN payment.

4, Refused to provide any professional answer to my repeated complaints about this card AND TO RESOLVE ANY AND ALL PROBLEMS 5, Refused to close this totally useless to me CITI THANK YOU credit card. 

SINCE CITI IS A TOTALLY IRRESPONSIBLE AND CUSTOMER ABUSIVE BUSINESS, I SEE ONLY ONE SOLUTION - TO CLOSE MY CITI THANKYOU CREDIT CARD ACCOUNT IMMEDIATELY AND TO TAKE LEGAL ACTIONS VS CITI CREDIT CARDS.

But Citi does not permit me to close the account online, This is what they say : " To close your credit card account, you'll need to give us a call and tell the automated system " Close my account. '' You can find our phone number on the Contact Us page '' .WELL, AS CITI KNOW, I CAN NOT CALL THEM, AS I AM IN XXXX XXXX AND THEIR GOOD FOR NOTHING CHAT HAS BEEN OF NO HELP IN EITHER THIS OR ANY OTHER MATTER. NOBODY ANSWERS EMAILS OR THE CFPB COMPLAINTS. AND THEY GIVE NO FAX NUMBER, THIS COMPANY MUST BE FILED IN MILLIONS OF $ $ $ FOR THEIR INSISTENT AND PERSISTENT FRAUD, THEFT, AND CUSTOMER ABUSES
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit bureau has been falsely reporting inaccurate information since XX/XX/XXXX. They have been double reporting negative information since XXXX. 15 years or 180 months of inaccurate and double negative reporting, XXXX FCRA violations, and XXXX FCBA violations. They have XXXX XXXX XXXX XXXX child support accounts and I have only ever had one. The two accounts listed only one is correct and the information reported is still incorrect. You can see per the photos uploaded that they are updating the old account that was closed in XXXX with the last update being XXXX, XXXX. They also do not update my correct information correctly in a timely manner. The last update is three months old. Since XXXX they have reported two accounts and negative reporting and inaccurate and late correct reporting. You can also see that I have disputed this 5 times, with each dispute they have reported worsening information with each dispute. If they were reporting the correct information my dispute results would all be the same. Not changing with the wind and adding progressively worsening payment history. I submitted a letter from XXXX XXXX XXXX child support services, stating that the account has been closed since XXXX, that they have the wrong account number and they have updated a closed account mirroring the other account and updating the closed account illegally since XXXX worsening my credit score by their negligence in reporting and their failure to act and investigate disputes correctly. Included in the images XXXX the incorrect payment history, the two accounts date of last being updated, I can provide my account information so that you can see the before and after results of the five disputes filed that after each dispute investigation they came up with different and worsening payment history, incorrect balance, updating a closed account for 15 years. Some of the disputes were red filed the exact same day the dispute results were released before any changes had taken place with my credit report and they submitted again wrong and worsening information than the dispute before when nothing had changed. I am looking for accountability for negligence and missed life and financial opportunities due to inaccurate and incorrect information being passed off as fact for 15 years. Failure to act. The other credit bureaus have these accounts reported correctly and the second account is not even present on my other credit reports because it is past the statute of limitations for reporting another set of laws and regulations that experian chose to ignore and chose to report negligent information for 15 years or 35 % of my life time.
Product: Checking or savings account

The XXXX XXXX XXXX charged my Wells Fargo debit card a total of {$3400.00} plus some change which I never never authorized. When I saw these charges reflected in my online banking I called Wells Fargos client care immediately. The gentleman I spoke to reassured me that the bank would take care of the apparent fraud issue and for me not to worry. I received a credit back for the amount missing. A short time after, Wells Fargo rescinded the credit without notifying me for reasons that are still unknown. I attempted to resolve this right away with both Wells Fargo and XXXX XXXXXXXX XXXX to no avail. Neither merchant was ever able to show me any documentation or one single price of proof explaining why my money was taken away from me now twice. I have never signed anything for XXXX XXXX XXXX nor verbally agreed to any charges with my Wells Fargo card or otherwise. I have called both merchant countless times and nothing is ever come close to being resolved. Both merchants point the finger at the other or I somehow end up being disconnected from my phone call. I have spent so many hours that now total days and weeks and more trying to fight for my money and the truth. I wholeheartedly believe that I am being either taken advantage of or Ive been lost in the shuffle. Where most people would just give up and say forget it - I will not. To me this is stealing. And stealing is wrong. Please help me with this circumstance and let me know if there is anything I can do moving forward. I hate to think about the other people this has happened to that just took such a huge loss. This amount of money makes the difference if I have a home or not. Thank you in advance for your help.
Product: Mortgage

I was pre qualified for a loan through Wells Fargo & submitted all the documentation needed and myself, the listing agent, my real estate agent & the seller were told everything looked great. This went way past the due diligence period, I put down my earnest money, had the home inspected & had the appraisal completed. The closing date was scheduled for XXXX XXXX. XXXX XXXX I received a call that the property taxes were more than they anticipated, & to keep the debt ratio down, they needed me to put down another {$25000.00} and also told me I 'd need to switch my Homeowners Insurance to Option B, which was a higher deductible of {$2500.00} with poor coverage & no full replacement value to reduce my premium. My insurance agent refused to do this to protect my interest. As a result of these XXXX requests at the last minute, I had to back out of the loan. I lost the house, & now I 'm out all the money I put down because of their negligence in informing me of needing this additional money right before closing. They had all my information & knew the taxes for an entire month. What can I do to get Wells Fargo to reimburse me for my earnest money, inspection fee & appraisal fee. I 'm out {$2700.00}. That 's a lot of money for me when they are a Federal Bank & should take responsibility for their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following problems that need to be investigated, previous addresses that are not mine and my NAME is totally wrong and an account that is not mine, a letter is enclosed that explains everything
Product: Credit reporting or other personal consumer reports

I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Alabama, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. The date last active for XXXX is XX/XX/2023 and date last active for XXXX is showing XX/XX/2023. This shows discrepancies to lenders.. Why the date last reported for XXXX is showing XX/XX/2023. The date last reported for XXXX is showing XX/XX/2023. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.
Product: Bank account or service

My debit card account was illegally accessed. Among the items fraudulently charged were items that the criminal charged on XXXX XXXX, 2016 at XXXX inthe amount of {$640.00} and had shipped to XXXX, New York ( I do not live in XXXX, New York ). Citibank at first after I discovered and reported the unlawful charges credited my account the {$640.00} ( there were a number of unlawful other charges that were also credited ). Then, over two months later on XXXX XXXX, 2016, Citibank took the money back. So much time had passed that I did not know what the charge was even for. I called Citibank and over the next two days spent over four hours on the telephone with differennt representatives, but they were unable to explain why this charge was present. Finally I thought to call XXXX customer service. They were also perplexed because they had internally concluded that the charge was in fact fraudulent. XXXX and I called Citibank. With this additional information Citibank could not explain why it had chosen to reverse the charge. XXXX offered to provide a statement in writing agreed to acknowledge its conclusion that the charge was fraudulent. Citibank then agreed to repoen the investigation. But my account was not credited. A few days later I called Citibank to ask for an update and - after a great deal of time because once again no one seemed to be able to access the notes regarding the events noted above - Citibank said that it would not reopen the investigation to accept XXXX information and statement and that I would have to file an appeal. I said that ( 1 ) Citibank has ALREADY AGREED TO REOPEN THE INVESTIGATION, so I should not have to appeal and ( 2 ) it was clear that Citibank had already failed to conduct any valid investigation of the facts ( based on their inability to expllain what investigation took place ) so Citibank should do so first conduct a proper investigation before forcing a customer to appeal. At that point Citibank stated that it would be no further help to me and I realized that ( 1 ) I needed to come here to get my money properly refunded and ( 2 ) Citibank needed to have its system reviewed to ensure that it was providing its customers fair and due process.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX has only XXXX name which is XXXX XXXX, I am not known for any other names, I also only have XXXX address that is attached to my name and that is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I also only have XXXX job that should be on my credit report and that is XXXX XXXX, I am unaware of any other jobs that has been reported on my report, as well as any other addresses so I would like for them to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : Here is a concise summary of what has occurred. From XX/XX/XXXX to XXXX XXXX I took out three student loans ( Stafford, XXXX and Perkins ) in the amount of {$25000.00}. In XX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XX/XX/XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents  with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a XXXX XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just XXXX XXXX XXXX. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, Stafford Loan, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, Perkins Loan, {$2500.00} disbursed at various times. On XXXX XXXX, XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.
Product: Mortgage

In XX/XX/XXXX I contacted my mortgage company SunTrust to inquire about refinancing because I had moved into my rental townhouse which was now my primary residence. I received an estimate and was told I would have no closing costs and only would need to bring that month 's payment ( XX/XX/XXXX ) to closing. Later they came back saying I needed a {$500.00} appraisal which I paid for. Throughout the process they repeatedly asked for documents I had already given them and even up until last week, I was still being asked where I lived! After much delay and XXXX I finally was given a closing date of XX/XX/XXXX. Today, after I asked for the cost to close, I was sent a revised estimate of {$5000.00}! I was told they had originally done the estimate with my townhouse as a single family home. The appraisal clearly stated as did ALL other documentation that my residence is not a single family home. It is no longer worth doing the refinancing at all and all they can say after every mistake they have made is " sorry ''. I wasted {$600.00} in fees to date.
Product: Debt collection

I am writing to dispute inaccurate information on my credit report by all three credit bureaus, which has been reported by Syncb/care credit XXXX. I previously settled my debt with this company in full. However, the report inaccurately shows that only a partial payment was made. This is false, and I am attaching proof of the settlement, which clearly indicates the payment was a full and final settlement of the account. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information reported. As the reporting from this company is not accurate, you are obligated to remove this incorrect information from my credit report. 

I have already paid the full settlement amount, and the companys continued misreporting violates credit reporting laws. Therefore, I demand the immediate removal of this account from my report, as the company is not reporting the facts accurately. 

Attached, you will find documentation proving the full settlement of the account. I expect the erroneous information to be removed within [ timeframe, e.g., 30 days ] as required by law. Failure to correct this issue may force me to seek legal action to resolve this matter.
Product: Checking or savings account

On XX/XX/2023 around XXXX XXXX PST, Citibank closed my account with the total of {$3800.00}. On XX/XX/2023, I transferred around {$3000.00} from my saving account to my checking account. Right after, I transferred {$2900.00} to my spouse to pay him for what he paid for me. I did not commit any treason or fraud nor did I break any rules with Citibank. I found this situation absurd and would like to make a complaint. I was told I would get a check for my accounts but fear that Citibank might not fully commit on giving my my money back as well.