23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I purchased a home in XXXX and U.S.Bank Home Mortgage  bought the loan. In XX/XX/XXXX My husband and I divorced. XX/XX/XXXX I qualified for mortgage assistance program. I was told and have in writing that the only requirements were that I made a payment every month for 4 months and the loan modification would be premiant and I would face no penalties as long as those payments were made. On XX/XX/XXXX ( the month of my final trial period payment ) I received a call stating US Bank needed a copy of my Drivers license faxed to their office. On XX/XX/XXXX I sent the copy of my drivers license along with my loan number via fax to the fax number US Bank provided. On XX/XX/XXXX I received a call stating the copy of my license was never received and I am therefore kicked out of the mortgage assistance program and held responsible for all fees and penalties and possible foreclosure. I asked the representative how to get them the proof that I sent the drivers license, the representative stated it doesn't matter if I had proof that I sent it because they didn't receive it therefore I'm non compliant. No where in the signed paperwork does it state that this is a requirement even though I did send it and have been compliant with all requests regarding the mortgage loan. I have called US Bank multiple times and spoke with different reps all saying the same thing, that because they did not get the copy of the license they are kicking me out of the program. All paperwork and copies requested by US Bank have been sent. I believe this is their way of getting out of making the lower payments permanent and forcing people into foreclosure.
Product: Checking or savings account

Today, XX/XX/XXXX, I unfroze everything! XXXX Chase Bank sent me to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( who was also understaffed ) to create a new account and set an appointment for XXXXXXXX XXXX with XXXX who is a Chase Private Client banker. XXXX Police Department XXXX XXXX and ( mother of ) XXXX XXXX had undercover / military, ouch! XXXX didn't arrive for the appointment until about XXXX XXXX. He had my WA XXXX ID with XXXX XXXX card using my name, cell phone number, social security number and address in his database which he claims he knows everything about me. I am alive, not dead but haven't had a Chase bank account personally as far as I know and he disputed me as he said he can see one. XXXX found an old account from WaMu which was acquired by Chase in XXXX ( should be closed ) and claimed he found an Amazon credit card with my social security number. He later claimed that the card wasn't mine but I was an authorized user after typing a few things and refused to tell me about anything but confirmed an old XXXX address from my credit history. I needed to provide him with a coupon code for the Chase Total Checking account but didn't have access to my home PC, so I was told to login to chase.com to complete the application process with direct deposit to get my {$200.00}. [ When I got home I checked my email about XXXX XXXX XXXX as provided to XXXX with two new notices of Chase : Your address change is complete and another for Confirmation of phone number change - in which I didn't request nor even know about. I can not login as there is no account, application or user names. ] I completed the application for Chase Total Checking with Your {$200.00} coupon from Chase is here! ( email code ) but was declined immediately with no confirmation number but thanks for applying. I called the XXXX XXXX XXXX XXXX at XXXXXXXX XXXX who told me to call XXXX Chase XXXX and Mobile Banking Technical Support and when I did they couldn't find major error to why I cant get online other than needing to clear out the application or my personal data when I got transferred to Chase Customer Support who informed me that there is a Chase Ultimate Rewards card ending in XXXX in my social security number but closed for some reason when asking for accounts. There was new information changed today as confirmed by the local branch emails as attached. [ I said I didn't know about those at all and I spoke to my family but none of them claim those changes to accounts ] Customer Support did not confirm the WaMu, Amazon or Chase Freedom cards but told me to return to a local branch to set up a new Chase Total Checking account with that {$200.00} coupon code or inquire about what was changed. I said " that is fraud '' and hung up. [ The call lasted XXXX mins XXXX secs in total ] I also sent these details in an email at XXXXXXXX XXXX to XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is regarding MB Financial and difficulties with their wire transfer service. I have relocated to XXXX, OH and closing on a home X/XX/17. I was told that the only way to wire transfer is to do this in person, which required me to fly from XXXX to XXXX for a wire transfer. This would not put me back into XXXX until after the closing time. Bank agreed to transfer funds from my account to my son 's account who lives in XXXX. They promised that the funds would be immediately available. My son went into the XXXX branch morning of X/XX/17 who received confirmation of the wire transfer from his account to the title company. This occurred prior to XXXX am on X/XX/17. As of XXXX pm, the money was not received by the title company. I called MB and they could not find record of the request. They then advised that their wire transfer system was down. Then they said they could not find these funds ( {$150000.00} )!! We finally got the XXXX branch on the phone who said he withheld the wire transfer until he could reach me ( I never received a call and the numbers that he called were not the number my son provided to him ). He then said he would execute the wire transfer immediately and call me back within 10 minutes. 15 minutes later and no wire transfer ... says he needs management approval and management is not available. I have made countless calls to elevate and get this resolved with runaround constantly and it is still unresolved. I will now not get my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} SOC SEC ADMIN XXXX XXXX  XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$5600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was told my business was no good and basically that there was nothing I could do about the situation any way. Initially had issues about credit card. I had my account security compromised while doing an investigation for XXXX. Im a XXXX. I uncovered a group of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have had an issue with all ( 3 ) three reporting agencies not reporting information regarding the status of my accounts. some are showing closed when they are open and many that have been paid off are showing as been closed, with no information to show the loan had been paid in full. These things continue to keep my credit score low and accounts that I have had since XXXX I am not seeing on my report thereby shorting my credit history on purpose. I have asked via email and letter for these things to be corrected. However still to this date nothing has changed at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account ( Account Number : XXXX XXXX - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX XXXX account ( Account Number : XXXX  ). The report lists a balance of {$2500.00}, a balance updated XX/XX/XXXX, a credit limit of {$3000.00}, a $ XXXX  monthly payment, an account opened on XX/XX/XXXX, a last payment date of XX/XX/XXXX, and the highest balance of {$3100.00}, status closed, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy that was inaccurately reporting on my credit report with Lexis Nexis. I received the attached letter from Lexis Nexis stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with Lexis Nexis and all three credit bureaus : XXXX, XXXX, XXXX. 

I have reaching out to all agencies repeatedly after Lexis Nexis has notified me that it has been removed. It is now 30 days from the date of the letter from Lexis Nexis and the bankruptcy still has not been removed from my credit report.

I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, Lexis Nexis, XXXX, XXXX, XXXX delete this bankruptcy immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

On XXXX XXXX XXXX I made a check deposit of {$500.00} via Check # XXXX. Shortly after on the XXXX of XXXX I made another deposit of {$600.00} via check # XXXX. Both checks were placed on a hold. When I called about the holds the rep explained because of the account having a negative balance before the checks would be held. However, my accounts went negative because of the bank. I was given a temporary credit for a claim that I filed with them regarding an unauthorized transaction. However, they stated that they had not paid that particular transaction and that they would be reversing the credit. They did not tell me when they waited days later interfering with my normal banking and for this reason I got charged a fee. That was not my fault at all either way you look at it. The fact that they issued the credit and/or took it back. I got charged two XXXX $ fees, one for overdraft and the other for being 5days overdrawn. I thought of this to be unfair but moved on. Now I am having problems with these holds and I have NEVER had a check returned and the checks I am depositing are from another LOCAL account that belongs to me as well and the money has already been taken from my other account. It is an Estate account and I pay myself from that account. However, I can no longer trust that my money will be available to me so I now have to pay fees to cash my checks some place else. This is not only a inconvenience but a disappointment because I am a new member to Bank of America and thought they were great at helping but I was wrong. I am being punished for their mistakes and it just is n't right. Not to mention I now get charged a maintenance fee for the account that I did not agree to and I can prove this via statements dated back to when the account was first opened online in XXXX. Please help me to get whatever hold they have on me corrected. I am a single mother and student and I need my money to care for my child.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my XXXX XXXX card into the program. I completed the program and paid all of my creditors in full. All three continue to report incorrect info to am three credit reporting agencies. Equifax, specifically is reporting the incorrect account number. On all three report the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full. Not only ate they reporting an incorrect status, on XXXX they are reporting an incorrect write off amount. There are several errors and inconsistencies among a three reports. I am filing a complaint so that I can find resolve as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered s debt relief program to begin with.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I visited the XXXX XXXX  located at XXXX XXXX XXXX, XXXX, MI XXXX with the intention of purchasing a new car. Unfortunately, my plans hit a roadblock as I was unable to secure an auto loan due to what was described as a limited credit history. 

Perplexed by this, I reflected on my credit history, which has been established since XXXX, and has seen me successfully purchase new vehicles XXXX times without any credit issues. Puzzled by the discrepancy, a friend recommended obtaining credit reports from " XXXX. '' To my surprise, the XXXX report accurately reflected my credit history from XXXX, while XXXX and Experian only displayed information from XXXX onwards. 

Taking immediate action, I contacted XXXX and Experian multiple times, urging them to update their records to include my comprehensive credit history. Despite assurances of resolution within XXXX business days, the issue remains unresolved. The delay in addressing this matter has been both frustrating and inconvenient, and I am eager for a swift resolution to rectify the inaccuracies on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2020 thru the present Citibank , N.A . has intentionally as a practice reported my credit card account multiple different ways for example one month reporting it as a charge-off then the next month report the account as a collection. 

During the same period, Citibank , N.A . has intentionally turned my credit card account over to a Collection Agency XXXX who would has demanded payment. 

To date Citibank , N.A . continues to damage my credit and name during and including a time of the Pandemic with my written requests for a reprieve. 

I have also, have discovered that as a practice and policy Citibank , N.A . removes Civil Small Claims lawsuits nationwide to Federal Court while knowing the consumer has a right within their contract to Arbitration. 

The consequences of this actions are immeasurable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting my personal information without my consent and inaccurate reporting all account are paid and full with 100 % on time payments
Product: Student loan

Some of the specific disputes I have are. I have more disputes than what is listed here. 
1. The original contract was at 5 % APR, with NO statements that any other rate could be applied. Why was I being charged an APR of 9 % in XXXX and how long was this rate applied? Why was it changed back to 5 % in XXXX? 
2. Explanation of fees paid, fees due, interest paid and why there is an inconsistency in the amounts? For example ; fees paid on one statement were {$400.00} and on another it was {$33.00}. If they are PAID, by who and to who? 
3. A judgement was taken out. I never received any documentation of this. Only a phone call from XXXX. Where is my copy? My research found that judgements can only collect on what is stated in the judgment. 
4. I had made payments before the judgment was taken out. My tax return was also collected to pay the debt. I do not have records that go back that far but an XXXX statement does reference a last payment made on XX/XX/XXXX. Since any many collected is supposed to pay the oldest dollars first, was is this not reflected in the original debt amount? Where are the {$70.00} payments I made for 8 months before the judgment?
Product: Consumer Loan

I purchased a XX/XX/XXXX XXXX XXXX XX/XX/XXXX financed by Ally XXXX and directly setup auto pay through the website to ensure that not only was my payment on time, but I was paying extra every month with the intention of paying the principal down, and paying the loan off early. After 4 months I realized that my extra payments were n't being applied to the loans principle amount so I called. Then I was informed that this " could not be done automatically '' in any way, shape, or form. I was told that if I wanted the extra paid to principle then I would have to phone them every single month and literally demand that extra be applied to the principal. It is there policy to apply that payment " forward '' to a time that doesn'teven exist yet, so as to maintain the " status quo, '' and not lose a single penny in interest that would have accrued on the principle loan amount. This policy of forcing customers to call every single month to have that extra money applied to the principal is, in effect a firm of bullying and harassing their customers into just giving up and letting them charge interest on money that was already paid them! 
I can provide documents showing how my payments were paid in advance, and applied to periods of time that do n't even exist.. yet!
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX transition and XXXX and XXXX XXXX. My negative account for a credit card I paid in full and closed is still negatively impacting my credit score even though its been over 10 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

Eastern Account systems started harassing me and calling me multiple times about a false debt that I do not owe. They even called my family members to include my mom when I am a XXXX XXXX XXXX adult that is current XXXX XXXX XXXX. I repeatedly told them multiple times if they say I owe a debt to prove it and send me any documentation that I do. 

The account they said I owe a debt with " XXXX XXXX XXXX '' even agrees I do not owe a debt. I spoke with them yesterday for the fifth time and they claim that Eastern account systems should know this yet they went ahead and filed a collection on my credit report anyways that I am now having to spend a ton of time and resources to fight this fraudulent debt. 

Prior to this I had sent them pictures of my XXXX balance of the account in question and still after receiving no proof of debt they went ahead and on XX/XX/XXXX filed a collection on my credit. I have never had a collection in the past and am more than able to pay any amount however I will not be extorted by a shady company with a horrible reputation!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I complain to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, NM XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$620.00}, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XX/XX/XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XX/XX/XXXX is and has always been in good standing but XXXX is the problem!
Product: Debt collection

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.