23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe that this company did a reasonable investigation for the account of possible financial # XXXX I asked for documents barring my signature to prove that this account is supposedly mine. Transunion was not able to do so. In the last complaint I asked for a removal of this account and specifically asked for this account not be updated but deleted from my file and this company did not grant my request. 
I want to know if this company talked to someone at possible finance to verify this account What supporting documents did they use Did you even contact this company ( possible financial ) PLEASE PROVIDE ME WITH DOCUMENTATION THAT INCLUDED A SIGNATURE OF MINE ( failure to do so should result in deletion of this account )
Product: Mortgage

Our home loan was initially set up with XXXX Mortgage in XXXX of XXXX. We applied for a loan modification in XXXX of XXXX due to financial hardship. We were approved and were told we would have to call in and make our payments over the phone for three months : XXXX, XXXX, and XXXX of XXXX. We successfully completed all three payments and were told that our new monthly payment would be {$2200.00} due to our successful completion of the trial period. On XX/XX/XXXX our loan was sold to Flagstar Bank. They told us that they never received our payment for the month of XXXX. Weve sent countless documents including bank statements and a payment history from our previous servicer and they will not acknowledge our payment. They also refuse to acknowledge our loan modification agreement even though Ive also sent them all of that paperwork. This has been an ongoing problem. Ive requested it be escalated and still there has been no progress on our case. On XX/XX/XXXX they wouldnt accept our mortgage payment for {$2200.00} because it wasnt the amount of {$2900.00} which we had modified. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified by Equifax of the data breach. Upon the link sent by Equifax it is confirmed I have been impacted by the Equifax Data Breach. As a result of this my personal information has been exposed which has caused unauthorized inquiries into my personal credit file. Upon review of my credit file I found several inquiries listed that I did not authorize. I am requesting these items be removed from credit file immediately. 

XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX
Product: Prepaid card

I received an American Express gift card for {$250.00}. It is a virtual card and states can be used online or in stores. It is nearly impossible to use. I have tried several merchants without success and confirmed the transaction was declined on the American Express side. In calling, it was stated that the card was declined due to lack of inputting a security code, which was not correct. I have had multiple issues with this over years. An online search will confirm that this is a rampant consumer issue. 

I have spent significant time in phone trees and customer service with no resolution.
Product: Credit card or prepaid card

This is in reference to CFPB Case # XXXX. XXXX XXXX   responded with a letter stating a rebate was issued on XX/XX/18. You closed the case. As of XX/XX/18, I have not received the rebate. The letter states I can contact XXXX XXXX at XXXX, but I have left messages many times with no response. I have enclosed the letter.
Product: Debt collection

I was contacted by Pacific Retrieval in XXXX California. I returned the call since I missed the initial call. I was speaking to an individual named XXXX XXXX. He was nice at first but then started to talk down telling me IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He did threaten to take me to court. I was willing to negotiate a pay day before he came at me sideways and started treating me.
Product: Debt collection

The XXXX XXXX, a franchise of the Bankshares , Inc., is my mortgage servicer from XX/XX/XXXX.  After 12 years of impeccable service, in XX/XX/XXXX, the Bank transferred my account to the newly formed XXXX XXXX XXXX in XXXX XXXX, MD, and the problems occurred with the new office manager who was not fit for this position. When he was caught in wrongly advising the customer about options for the loan modification, he did not admit the error but started to manipulate customer 's mortgage account in order to produce a virtual delinquency and to punish him for his grievance protecting his rights. As a manager of the XXXX XXXX XXXX he had the opportunity, wish and the bank " power '' to start the foreclosure proceedings which failed in XX/XX/XXXX. Because of this failure, later in XX/XX/XXXX, he hired a law firm which had experience in debt collections, appointed them as " substitute trustees '' to avoid the responsibility under FDCPA, provided them with his fabricated affidavits, and finally succeeded to manipulate the Court to allow him to sale the extorted prpperty for {$50000.00} above the the purchasing cost which equalled the mortgage debt. Nice profit from wrongdoing. Is it allowable? 
I admire the United Bankshares , Inc, Code for Conduct and Ethics, and I wish that they will insist their franchise, the XXXX XXXX in MD/VA to comply with this code. If this happens, the most of the problems in this complaint will be solved automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account below is not mines. I never received notification of this debt prior to being added to credit report which is against the law. I have disputed this with the collection company after it was added to report. I have also filed a formal complaint with the Attorney General of Florida. 


COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : 08 XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$31000.00} Highest Balance {$31000.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name 08 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called two times today to see about a credit card I ordered for a worker. I ordered the card about 2 weeks ago. 
I first talked with a XXXX ( I didn't get her name ), she said she is the wrong department and transferred me, where I was on hold for more than 10 minutes. I hung up. 
I called the number on the back of my card again ( XXXX ) and spoke with XXXX XXXX. The call lasted about 36 minutes and she could not help me. I asked to speak to her supervisor, she placed me on hold and I did not want to wait more than 3 minutes because I am working, so I hung up. 

The customer service skills, listening skills, and general attitude of not caring shown by XXXX XXXX makes it apparent to me that American Express does not care about its customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Illinois XXXX XXXX  XXXX XX/XX/2023 To Whom It May Concern I received a copy of my credit report regarding the bankruptcy below : XXXX  XXXX XXXX According to the XXXX reporting agencies, the Illinois XXXX XXXX  XXXX reports Bankruptcy filings to all XXXX credit reporting agencies ( Equifax, XXXX, and XXXX ) as well as XXXX XXXX  and XXXX. My bankruptcy was considered a private matter until you reported it to the bureaus. 
Any account that is reporting on a consumer credit report must list it as reporting it to the credit reporting agencies. Can you please reach out to me and let me know if this is true? I know that this would be considered a forgery of your name onto my credit report if you did not report it directly to the furnisher. 

Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX  days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX Balance XXXX XXXX XXXX} DEPT OF EDUCATIONXXXX XXXX  Balance Owed XXXX XXXX DEPT OF EDUCATION/XXXX XXXX  Balance XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXXXXXX XXXX  Balance XXXX XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX  Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance XXXX XXXX XXXX} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2018 to XX/XX/2018. 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.
Product: Credit card or prepaid card

Someone stole {$360.00} off my card and Card.com made an investigation and said I didnt steal my own money but they cant give me back my money and they close my keys so I lost {$360.00} and its not fair to me
Product: Checking or savings account

Back in XXXX  using XXXX sent XXXX to the wrong person I was told I was not able to get my money back unless the person would send it back I never received my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Equafax, Please verify proof of application of account report negatively along with written signature XXXX reporting XXXX hard inquires and multiple soft pulls inquires XXXX.reporting XXXX closed unknown account negatively XXXX. Reporting unknown closed accounts in collection adverse action 12 cfr 1002.7, 15 USC 1691 and 12 cfr 1002.1 12 cfr 1002.2. 15 USC 168 12 cfr 1002 cfr 1002.16 I gave no written consent this is invasion of privacy. This fraud and unauthorized use of my credit card which do not benefit. damaging creditability to my charter I demand very verifed hard copy proof of these reported beats and ownership of the debts reported unknown to my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT WITH XXXX XXXX XXXX. I HAVE HAD THIS ACCOUNT SINCE 2016. BACK IN XXXX I DISPUTED WITH EXPERIAN SIX PAYMENTS THAT WAS REPORTED LATE BUT WAS PAID ON TIME. I HAVE A MEMBERSHIP WITH EXPERIAN & NOTICE THAT MY REVOLVING CREDIT LINE WITH XXXX  XXXX IS NOT BEING REPORTED AT ALL IT HAS DISAPPEARED & I AM MAKING ALL MY PAYMENTS ON TIME. XXXX  & XXXX  IS REPORTING ON TIME PAYMENTS BUT NOT EXPERIAN & BECAUSE OF THIS EXPERIAN IS NO LONGER REPORTING MY FICO SCORE. 

PLEASE HELP XXXX XXXX XXXX
Product: Credit card

As someone who actively works on improving my credit, I had paid off and closed my Avant card on XX/XX/year>2024. 

Right before the holidays, I received an alert on my XXXX XXXX that my balance had increased substantially. I logged in to see this was on my previously owned Avant card. Upon further investigation I not only found over {$3100.00} in charges racked up in one day in New York ( somewhere I have not been in at least 10 years ) but also that they had changed my address on the account to an apartment in New York. I immediately contacted Avant and informed them that the card should have been closed and that these charges were not me as I had destroyed the card when I paid it off. They had started an investigation, credited my charges and confirmed to me that the account was indeed closed this time for sure and locked. I even signed up for life lock immediately to avoid further fraud issues as I now feared for total identity theft. Now on XX/XX/XXXX I have received a letter that they put the charges back on my statement and feel that their investigation shows I am responsible. I tried to call to speak with someone to see what investigation materials they have that can prove this. The phone number on the letter they sent leads to just a voicemail and at this point I have no trust that I am even speaking to a real person. I am looking for some assistance to please get this card off of my credit which it is ruining and to have these fraudulent charges reversed as they were not me. Willing to seek legal help if needed.
Product: Credit reporting or other personal consumer reports

What happened? 
XXXX XXXX has made fictitious 30-day late reportings violating consumer protection laws. I have provided proof of the payments yet the credit bureau insists on reporting incorrect information affecting my livelihood. Additionally, proof off payment has been submitted for XXXX XXXX, XXXX XXXX and XXXX XXXX  all with incorrect reportings. Further, XXXX frivolously ignored the requirement to notify my eligibility for participation in the State of FL lawsuit ordering relief to include forgiveness, and/or balance waivers resulting from deceptive practices in violation of Consumer Protection Laws. I request this account be deleted due to this violation and noncompliance.
Product: Checking or savings account

In XX/XX/2020, I had a loan with XXXX XXXX and gave out my account number and did not feel comfortable after I paid the loan. I was noticing some activity on account that was not right. Had this account for four years and closed it due to my loan. The banker did not close out my account liked I asked, and I have closed out accounts in the past so know how the process works. This time it was made restricted and the banker told me it would close out in three months. I also noticed it was comprised was the first time they placed this on an account. Have been with chase of over ten years and you can see I been aI loyal customer and always have had a good relationship with chase. Even since I closed out my account been having so many issues with chase, I know I am considering ending my relationship with the bank. All accounts so be avaible for the client to see for seven years that is the law. However, the account that I had to close there is no record on my online account I can not go back and review my statements. Also, my stimulus payment I believe was not the correct amount and was rewarded more. Want a full investigation with account transaction from XX/XX/2020 till present. The account did not close out in three months like said. Have enclosed documents of my concerns an issue with my account. Thank you, XXXX XXXX. Also my address had recently changed was at XXXX XXXX XXXX XXXX  XXXX CA XXXX for 34 years. I am receving all mail through the P.O, Box number I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is no sufficient information to support XXXX, Experian and XXXX XXXX claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX
Product: Debt collection

This company I never heard of never been to this place put a collections balance onto my account I called XXXX XXXX and did a dispute the company that put the collections on my account called me today on XX/XX/2021 and stated asked to confirm for my information I said no they hung up on me I then called back and said that I reported them to IRS they hung up on me again I know this company is a fraudulent company I need someone to contact me about this. The collection amount was {$630.00} and the date of that collections was not stated
Product: Student loan

MOHELA recently transitioned their online accounts to the new studentaid.gov URL and provided lots of communication and updates about how the process would unfold. Included in an email ( attached ) sent to me on XX/XX/year> indicated that MOHELA was managing the transfer of Auto Pay information to try to ensure your payments arent interrupted. We will notify you if an interruption occurs so that you may make a manual payment via the new website after the transition is complete. 

I never received a notification that my Auto Pay would be interrupted for two months : XXXX and XXXX. Had I received a notification, I would have made manual payments to avoid incurring unnecessary interest charges. Instead, it was solely on me to keep track of my account history and discover that Auto Pay had not been deducted, as it was indicated it would be despite the transition.

This failure of MOHELA to manage the transition nor inform me of a need to make manual payments led to additional interest charges that would not otherwise have been incurred. This also led to the interst accrued to be capitalized into the principal balance. This is simply unacceptable for any loan servicing company.
Product: Mortgage

Wells Fargo - foreclosure- Payment arrangements were made and we were working with the Bank the last document was that our property was sold, We were not given the opportunity to reclaim the property. We would like to be a part of any law suite that will provide us with a refund and give us an opportunity to purchase another property for the same cost Load Date : XX/XX/2006 Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, SC XXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX {$160.00} Sales Price : {$200000.00} Interest Rate : 6.750 %
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB the document needed and a letter from an advocacy group helping me due to Human XXXX  debt XXXX, Which falls under XXXX  according to XXXX final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit reporting Act. I am a Victim XXXX XXXX XXXX of accounts to be blocked and deleted company information Transunion. Please delete the following accounts. consists of a personal line of credit account opened at XXXX on XXXX XXXX XXXX under the account number XXXX, XXXX XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX on XXXX XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXXXXXX XXXX XXXX on XXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX under the account number XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX XXXX on XXXX XXXX under the account number XXXX, XXXX  on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$810.00} under the account number XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under XXXX account number XXXX, XXXX XXXX on XX/XX/XXXX under the account XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I called capital one and requested that my due date be changed from the XXXX to the XXXX of each month. They said it would be changed. It was not changed so when I made XXXX payment on the XXXX, I noticed a {$25.00} late fee and my due date was still the XXXX. I've called again today, XX/XX/XXXX and again requested a refund of the {$25.00} fee AND my due date changed again. They won't do either and this is unfair.