23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The purpose of this statement is to complaint about the manner in which Penny Mac handled my foreclosure action. Since XX/XX/2016. I started processing a short sale and advise them of the intention of doing so. I have been in constant communication with them and was submitted and denied, with the suggestion to make a counter offer. Emails have been back and forth, however, they never expressed their intention to foreclose on the property and apparently they have executed the sale, without giving me the chance to dispute their decision. Moreover, they lead to believe that they were acting in good faith as they entertain the Short Sale offers, and corresponded via emails with seemly intentions to fulfill the sale. I would like to have the opportunity to be given the chance to finish the short sale as it would avoid the hurdles that comes with losing a property as a result of a foreclosure action. I would like to have the case reverted and be given the chance to fulfill the short sate at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX $ XXXXcmre financial services I don't use it an I told them this time after time Ic system XXXX $ i told them I never use are signed up for anything I disputed both of them but it still on my credit
Product: Credit card or prepaid card

Bank of America opened a BofA Celebrity Cruises Visa card in my name without my consent. The account was opened XXXX/2022. I received the card and new account information on XXXX2022. I immediately closed the account but no one at BofA could tell me by whom or why this account was opened. I was able to contact XXXX who confirmed that a soft inquiry was fraudulently made by BofA. They were able to remove the inquiry from my credit score. I want BofA held accountable. Unfortunately I can not close my one credit card account that I have had with BofA without it having a negative effect on my credit. 

Please tell me how to proceed. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am addressing the issue of inaccurate information on my credit report with TransUnion. Specifically, my letter highlights a wrong address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, '' listed under my personal information. This letter serves as an official dispute and formal demand for investigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under this law, TransUnion is legally required to investigate disputes and correct any inaccurate or incomplete information on my credit report within 30 days of receiving my notice. The letter emphasizes key legal precedents, such as XXXX XXXX XXXXXXXX XXXX which confirms the necessity of a reasonable investigation, and XXXX XXXX Trans Union Corp., which asserts that credit bureaus must go beyond automated checks to ensure accuracy. 

Additionally, I have reminded TransUnion that failing to meet these obligations could result in liability under 15 U.S.C. 1681n ( for willful non-compliance ) and 15 U.S.C. 1681o ( for negligent non-compliance ). I have requested a detailed description of the investigative procedures they use and an updated copy of my corrected credit report, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

If TransUnion does not resolve the matter promptly and within the legally mandated timeframe, I have reserved the right to escalate the issue to agencies like the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursue legal remedies to enforce my rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I logged into my free Experian account to lift the freeze on my credit to apply for a car loan. Somehow they must of had special offers checked on as a default because I didn't select physically select or enroll in any offers. But somehow they enrolled me for one week of free credit monitoring and then started charging me {$24.00} per month unknown to me.

I did not catch this until reviewing my bank statement on XX/XX/XXXX. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was charged {$24.00} for credit monitoring. 

I contacted Experian on XX/XX/XXXX and told them to cancel this fraudulent monthly subscription. I complained about how they fraudulently activated the premium pay account for me and requested refunds which they denied.

Both my husband and myself separately lifted our credit for a XXXX hour period in order to apply for the car loan. Both us us had the same thing happen to us where we were automatically enrolled in a premium monthly service with Experian. So this isnt just a coincidence. Experian is fraudulently leaving boxes checked as defaults for sign ups to premium services because neither my husband nor myself were aware this was happening until we caught it while reviewing monthly credit card statements. This is extremely worrisome since Experian is supposed to be protecting consumers from credit fraud when in fact they themselves are using fraudulent predatory business models in order to scam people into their premium paid services.
Product: Checking or savings account

re : stolen check from XXXX, forged and presented to XXXX XXXX XXXXXXXX. illegally cleared personal account by Wells Fargo.-not properly endorsed. 

On XX/XX/XXXX or XX/XX/XXXX, a check that was written to our mortgage processing company and placed in the XXXX XXXX, Ca at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The check was stolen from the post office and a signature was forged. The check was then presented to a XXXX XXXX XXXXXXXX XXXX one is unknown as that information is not released to me. It was either cashed or deposited by XXXX and then cleared by Wells Fargo Bank at which point the funds were withdrawn from my account. This happened XX/XX/XXXX. 

We were notified XX/XX/XXXX that the mortgage company never received the check. We immediately filed a complaint with Wells Fargo and closed the compromised account. We then began the process of filing paperwork to go forward with reimbursement. 

( We have also subsequently opened a Criminal case with the XXXX XXXX XXXX XXXX XXXX # XXXX and filed a report of fraud with the XXXX XXXX XXXX XXXX # XXXX. ) We still do not have our money. It has been XXXX weeks! All documentation I have read states that the funds should have been returned within XXXX business days after the claim. I have called the Occ ; the District Attorneys office ; The FTC and the legal team at XXXX... all to no avail. We were not involved in the chain of error. XXXX should not have accepted the check, and XXXX should have never cleared the check against our account. Again, it has been XXXX weeks! 

No information has been provided from XXXX XXXX XXXXXXXX concerning this. We have also not received and calls initiated from XXXX. The only follow-up we received has been due to my self initiated calling into the XXXX call center where I am informed that Wells Fargo sent the complaint over to XXXX XXXX XXXXXXXX and they are awaiting a response. 

I understand that XXXX and XXXX XXXX XXXX  need to work this out, yet they are holding my funds hostage. We were not in the chain of error here! We have suffered financial hardship due to this as the check was written for a large sum of money. The only thing we hear from XXXX is that IF XXXX reimburses them, then the will reimburse us. This is our money. Please help us get these funds returned to our account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX my account was in the negative XXXXI called to try to resolve the issue of constant over draft fees explained by time my stimulus hits I will have less than half.I was told nothing they can do. 
My stimulus hit on XX/XX/XXXX after the negative I was left with XXXX. It is what it is. No problem On XX/XX/XXXX I'm still at a positive of XXXX. 
I never noticed anything until I received an email on XX/XX/XXXX stating on the 30ththey will be taking XXXX out of my account. 
I called to see what this is today XXXX they tell me its EIP. I wasnt aware of this when I called before none mentioned this when my stimulus hit they didnt apply this EIP. Come to find out they gave it to my acct on XXXX. I never noticed because I was at a positive. Now why didn't they help me before the stimulus so I got entire amount so over drawn fees would stop like I requested? Why wasn't I informed? Now they are going to put me in negative XXXX iget my XXXX on the 3ed by that time I'm lucky after fees I get XXXX to live on for the month of XXXX. I live on my XXXX that's it .I 'm confused, stressed out wont be able to pay bills food in XXXX because of this mess up the bank did.please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Follow my written instruction exactly by law enclosed in this dispute
Product: Credit reporting or other personal consumer reports

XXXX temporarily held my XXXX loans, they now have been transferred to XXXX XXXX. The credit bureau however is reporting that i owe a duplicate balance and on my credit it reports it indicates both accounts. It should have been reported as a continuation of my account and not an additional account as XXXX account is closed and transferred the balance.
Product: Checking or savings account

Money was missing from my account over XXXX and I need that replaced please
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies have passed the maximum days of investigation and have not been updated, or have given any solutions
Product: Credit reporting or other personal consumer reports

I have made several attempts to get Experian credit reporting agency. To remove this address from my credit report because it does not belong to me XXXX XXXX XXXX XXXX XXXX, WI XXXX. ( Please See Attachments )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ameris Bank granted a forbearance for 3months, XXXX through XX/XX/2020, due to COVID. I resumed payment on my mortgage on XXXX, following the end of the forbearance period. I then received emails from all 3-credit bureau about the bank reporting that I have been late on my mortgage for 90days, and payment has not been received. This dropped my credit 130pts. I filed a dispute with all 3-bureau, called the bank to try to resolve it but was told nothing they can do until after 30days of investigation into their system. I provided evidence of the forbearance letter which indicates my credit will not be affected due to the COVID relief assistance emergency program, but that was not taken into account by the bank. I am still out of work and now made difficult to find work due to the negative credit report irresponsibly placed by the bank. The bank, Ameris Bank, have yet to resolve this situation. Meanwhile my credit has only gotten worse because now I can't even refinance to eliminate my relationship with the bank. I have already started to receive letters from my credit card companies about dropping my credit limit due to the negative impact on my mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded my credit report and analyzed it thoroughly. I disputed accounts and addresses. I updated my report and found accounts that did not belong to me. Some accounts still remained on my credit report. To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. I have not Supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume no proof The alleged Debt, nor therefore any such debt, in fact therefore exists.Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$17000.00}
Product: Checking or savings account

Capital One does not provide monthly 360 savings account statements. I have only been a 360 Performance Savings account holder for a few months. Wanting to verify the XX/XX/XXXX and XXXX XXXX monthly interest being paid on my account I logged into my account and noticed statements were not being provided by Capital One. I needed the statements to verify the interest rate and the balances that factored into the interest paid calculation. Customer service informed me ( XX/XX/XXXX ) individual monthly statements were not available. Instead, combined monthly statements are provided. Combined statements do not provide the necessary monthly details to verify the interest being credited to these types of accounts. 
Further, when I asked the customer service representative to provide the monthly balances and related interest they stated that was not a service they provided. And that was the end of the call with the Cap One representative. I have since closed any cash related accounts and have contacted the CFPB on this issue. I also plan on filing a law suit. 
It is outrageous Capital One will not provide the most basic savings account information to its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 4 YEARS NOW I HAVE SENT IRS release FORMS, HIRED AT MY OWN EXPENSE CREDIT REPAIR COS, AND WRITTEN LETTERS, iNSTEAD OF HELPING ME, THE MATERIAL IS ADDED ERRONEOUSLY AND IS WORSE THAT NEVER.NOW i MUST TAKE A STAND AND ASK THAT ALL 3 COMPANIES REMOVE LEIN INFORMATION ( WHICH CAME ABOUT WHEN i WAS IN HOSPITAL BATTLING XXXX AND COULD NOT BE REACHED ) WHEN ON MY FEET, i CALLED AND ALL WAS PAID OFF.i HAVE LIEN RELEASE INFO FROM XX/XX/XXXX.i LOST MY HOME IN HURRICANE iRMA AND NEED TO RELOCATE* AT GREAT EXPENSE TO ME, A XXXX YEAR OLD.ALL LOAN applications STOP AT LIEN - DO NOT EVEN READ print.AND 1 CREDIT REPORTING AGENCY HAS DATES AND ALL WRONG.iF IN DOUBT GO TO XXXX  COUNTY, FL COURTHOUSE AND SEE WHEN RELEASED.i PAID XXXX XXXX DOLLARS OUT OF POCKET TO FIGHT AN ILLNESS AND OBSERVED LOTS OF HARDSHIP-..i NEED A BREAK. THE XX/XX/XXXX XX/XX/XXXXIRS INITIATIVE STATES FRESH START.i GOT WELL AND PAID..PLEASE ** HAVE ALL 3 AGENCIES REMOVE ANYTHING REFERRING TO A LIEN.iT 'S PAID AND MISCONSTRUED EVEN BY CREDIT REPAIR .tAKE ALL OFF..iRS STATES THAT CUSTOMER MUST FILE FORM XXXX i HAVE DONE THAT TWICE AND THEY RE ENTERED again dates etc.INCORRECTLY..TAKE ALL OFF..SO i CAN START MY LIFE AGAIN- need a home loan.. HOME IS ravaged ..THIS IS A GREAT HARDSHiP TO ME WHO FOLLOWED ALL THE RULES..XXXX  XXXX XXXX XXXX XXXX XXXX, fL XXXX, XXXX XXXX XXXX..THANK YOU XXXX XXXX and staff FOR HELPING ..*XXXX XXXX WHO DOES NOT DESERVE THIS ( there was no box under military for XXXX.My husband is XXXX just me living )
Product: Mortgage

Im trying to work with them on payment owed I reached out on XXXX-18 and was told they would contact me in 30 days. Still nothing.
Product: Debt collection

The company refuses to Give me a signed contract bearing my signature where I agreed to pay for any debt on a contract for a fraudulent accounts under my social security number being reported to the credit bureaus under my name. I have sent in XXXX ftc report and they still will.not response
Product: Credit card or prepaid card

New York and Company credit card website is always down and unavailable. On XX/XX/XXXX the website was working so I attempted to make a payment on the website, but an error appeared since it was after XXXX. The system forced me to make a payment the next day. I paid off the account with the payment date as XX/XX/XXXX since the system wouldn't allow me to make a payment. 

I recieved a statement indicating I owe the company {$31.00}. I sent a message through their portal & recieved a response to call the company for assistance. I called and a representative named XXXX told me that they can't help or refund the late fee although the account was paid off in full. Also, while on the line with her, the online payment system was unavailable, so she offered to take the payment over the phone. I never make payments over the phone because they charge you to do so. This time she said I would not be charged. 
My complaint is that I am charged a late fee when their payment website is down daily and they charge if you call on the phone to make a payment. It is also unfair to prevent payments from being made if it's pass a certain time. There are time differences in the world & everyone is not on the same time zone. 
I have closed this store card account as their website is always unavailable, not alllowing customers to make payments but charges late fees when you call or get through online after there cutoff time.
Product: Debt collection

I received a letter for 50 % settlement of a debt of {$430.00} owed to  XXXX   XXXX . However, I am a current subscriber ( in good standing ) with  XXXX  and there 's no way I could be in collections with them. This is a bogus debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( XXXX ) about delinquencies reported for account Account ( HSBC Advance Mastercard Account Ending in XXXX ). XXXX XXXX reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}. 
After receiving alert from XXXX on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) XXXX credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again. 

THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY HSBC CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES. 

My complain is about false and misleading information from both agency : XXXX bureau and Bank HSBC. There is no real information provided from both of Agencies. HSBC customer support told that none reported to Credit bureau, but XXXX Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ). 
On XX/XX/XXXX I tried to reach both company ( HSBC and XXXX ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies. 
Please help me to fix that fraud information and fix my score.
Product: Credit card or prepaid card

I mailed a payment check # XXXX for {$2100.00} on XX/XX/XXXX to Capital One. I called two weeks later because it was not posted yet to my account. They told me they did not receive it and since 10 business days had passed, I would need to reissue the check. On XX/XX/XXXX, I mailed check # XXXX for {$2100.00}. The payment posted to my account on XX/XX/XXXX and then was withdrawn on XX/XX/XXXX because the bank returned it. The bank returned it because Capital One had already cashed the first check # XXXX but never posted the payment to my account. I have repeatedly called to find out where the money is if it not posted to my account. They opened a payment investigation and requested a copy of the front and back of the cashed check ( they even wrote the wrong account number on it! ). I uploaded through the portal and they issued a provisionary credit on XX/XX/XXXX. Today, XX/XX/XXXX, they took the provisionary credit back and told me that the reason is because the bank returned check # XXXX ( the second check ). Whoever is doing the " investigation '' didn't look into it far enough to see why this was returned. This happened on three Capital One credit cards that I mailed in payment on the same day. They fixed the other two, but refuse to fix this one. In the meantime, I am making minimum payments and paying interest so it doesn't show as late payments on my credit. Very frustrating!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I didn't receive my Direct deposit from the DOL. I contacted cashapp support and they said its not on their end which is impossible. I later visited social media to see if anyone else was experiencing this issue. Several people also didn't receive their direct deposit on XX/XX/22. Once the issue was raised on XXXX and XXXX Cashapp advised that we contact the issuer of the direct deposit to resend the direct deposit. I called the DOL XX/XX/22 and they saw no issues on their end and said that they can't resend it because it was successfully sent already. I was suppose to get XXXX deposited on Monday XX/XX/22 it's already 2 days now and if it failed like Cashapp claims the DOL would have clearly been able to see that in their system and would reissue it.