23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to work with SPS for years in either honoring the loan modification I was offered by XXXX, which my file was then transferred to SPS while in the middle of making my TPP payments, or getting SPS to review me for loss mitigation options and an assumption for the subject loan. Instead, I have been subjected to unfair, deception and abusive acts and practices. Compounding serving errors committed by SPS has caused me great stress and pushed me into a hole that I do n't know how to crawl out of! I have submitted the same documents multiple times over the course of working with SPS. They have verbally told me XXXX thing, when I am actually able to reach a representative, while sending me correspondence to the contrary. They have stalled me at every turn and given me the runaround. I feel I am further away from getting a loan modification offer now than when I first started and was making TPP payments towards a final loan modification.
Product: Credit reporting or other personal consumer reports

( MISSING ACCOUNT ) -XXXX  XXXX XXXX XXXX XXXX Open Date : XXXX. XXXX, XXXX Account # : XXXX XXXX XXXX : {$53000.00} Updated Balance : {$48000.00}. ( INACCURATE STATUS ) -XXXX  XXXX XXXX Date opened : XX/XX/XXXX Account # XXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ), i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you update my payment status to PAID AS AGREED NEVER LATE ( XXXX ) immediately
Product: Credit card or prepaid card

On XX/XX/2020 I received a text message on my phone from an unknown number. By replying to this text it allowed a hacker to hijack my phone. This gave them full access to everything on my phone including banking apps. The hacker used this information to do a cash advance of {$2200.00} to my credit card. I reported it as fraud and a case was opened. The case was closed because the bank claims my pin number was used to get the cash advance. At no time did I give my pin to anyone, especially for a large cash advance. I have disputed the claim and asked it to be reopened. XX/XX/2020, a second cash advance for {$2200.00} has now appeared on the new card they issued to me after the first incidence. I called in the claim today, XXXX XXXX. They told me to call back in a week to follow up. This was exactly what they said last time. Then they transfer me between multiple departments. First they did not resolve the first fraud incidence and blamed me for it, now they do not offer protection against it happening again. I closed the credit card completely today, but was told I am responsible for the {$4400.00} in cash advances until the fraud case is cleared. I am filing a police report with my local department today.
Product: Mortgage

Flagstar mortgage is not helping me with underwater mortgage. Provided a lot of documentation and have excellent credit and they keep delaying settlement on loan.
Product: Credit card or prepaid card

Good afternoon. 

In XX/XX/2022, I tried to make a purchase at XXXX XXXX in XXXX XXXX XXXX XXXX ) Florida. TD Bank flagged that purchase as fraudulent, even though it was within the credit limit. I contacted TD Bank numerous times over the phone between XXXX to XX/XX/2022 to try to get the account open again so I could pay. I was informed that it would be open within a couple of hours every time I was on the phone, however it gave me a " Request could not be processed '' error under the credit card account. Since I was not receiving paper statements, I was unable to pay the bill until the account was open. 

I was unable to access the account since then, and recently received a collection notice for the balance in the mail. TD Bank charged late fees on the account, then NEGATED the late fees before handing it over to the collection agency. 

This is affecting my credit, and I ALWAYS make my payments on time. A simple check of my credit will show you this. I would like TD bank to rescind the late payment on my credit score since I was UNABLE to access my account online, even after speaking to several people over the phone.
Product: Debt collection

I had taken out a small loan of {$200.00}. and was Hospitalized and had to go in for XXXX, net prison or jail for 8 months with no means of contacting the lender. As soon as I got out the threatening emails started.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian due to unauthorized inquiries appearing on my credit report, which I believe are negatively impacting my credit score. These inquiries were not authorized by me, and I suspect they may be related to the XXXX XXXX data breach, during which my personal information was compromised. 

Despite reaching out to Experian, the following unauthorized inquiries remain on my credit report : XXXX XXXX : Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate information. Experian is required to conduct a reasonable investigation of this dispute and remove any unverifiable information from my credit report. 

I have contacted Experian directly with a formal dispute and provided them with documentation, including an affidavit, FTC Identity Theft Report, and other supporting materials. Despite these efforts, the unauthorized inquiries remain unresolved. This is a clear violation of my rights under the Fair Credit Reporting Act, and I seek CFPB 's assistance in holding Experian accountable for their non-compliance. 

I request that the CFPB intervene to ensure these unauthorized inquiries are removed from my credit report and that I receive written confirmation of the removal.
Product: Money transfer, virtual currency, or money service

I transferred {$500.00} from my chase checking account to my XXXX XXXX XXXX XXXX checking account on XXXX as an instant transfer. The money did not go into my XXXX account. I called chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to locate the trace ID number that XXXX XXXX said is the only number they can use to search for the funds with. Chase informed me that the transaction was successful on their end. Over the course of these dates, I called to try to get a trace ID number from Chase and the XXXX people I spoke with did not have access to this number. A case was finally opened onXXXX where chase said their back office team would try to locate where the funds went, and that it would take between XXXX to XXXX business days to have an update. They informed me that I have to call them and they could not call me. I called back on XX/XX/XXXX so I could give them an extra day. when I called back, they had no new information and said that it would take between XXXX business days to research possibly more and to call back on XX/XX/XXXX. I also spoke with XXXX XXXX XXXX XXXX multiple times through email and phone throughout this period and provided them with all of the transaction codes and reference numbers ( excluding the trace Id that chase says doesnt exist on this transaction. ) They told me that they can not find the transaction with these numbers and will only accept the trace ID number to search. They will also not accept a proof of payment letter from Chase. At this point neither bank is accepting responsibility and is not really helping me get my funds back.
Product: Money transfer, virtual currency, or money service

I received money from a couple of friends and they closed my account. They emailed saying I can cash out the money to my bank but whenever I try, It just fails. Please help me get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XXXX XXXX, XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XXXX to XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXe {$2000.00} XXXX XXXX XXXX XXXX XXXX$94.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX NJ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

I opened the custodial checking account with Axos Bank on XX/XX/2021 and tried depositing {$1000.00} check via the mobile app. 

I have been getting rejections twice. After the third attempt, the deposit finally had been " successful '' ( XX/XX/2021 ). Since then, I am still waiting for the funds to show in Available Balances ( it has been 8 business days already ). The money has been taken out from the original bank account, but is not available in Axos account... 

Calling Customer Service does not help. The response is " check is on-hold '', but why? Please help, this bank is terrible. 

Bank Name : Axos Bank Account # : XXXX Name : XXXX XXXX XXXX : XXXX XXXX
Product: Debt collection

I filed a complaint. Trans Union did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried disputing over a year ago but did not get anything resolved.
Product: Vehicle loan or lease

This company illegally repossessed my car with all of my possessions inside. 
They tried to get me to make cash payments via XXXX instead of through the verified website. 
They would constantly give incorrect information about my balance due. 
They have reported to my credit that I did not pay when I have bank statements that prove when I paid. 
I was paying on the car for XXXX XXXX and they would not send me the information to register my car. Therefore, I was paying on a car I could not drive. 
This company is doing illegal practices and needs to be highly regulated or closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. 
I would like to request a security freeze placed on my report and request a PIN Code. 
I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. 
Under the Fair Credit Report Act, you are required to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX have placed an inquiry on my TRANSUNION credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and TRANSUNION to verify these inquiries. They have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Product: Credit reporting or other personal consumer reports

This is my second time... 
I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX  # XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

The situation at hand is causing me considerable distress and affecting my sleep quality.
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX to remove any file or car loans, XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX discriminate against people with XXXX income they denied my loan because my sister is listed as payee on benefits. This made me feel less fortunate and hopeless. They told me I need to remove my sister name from benefits to be approved.
Product: Credit reporting or other personal consumer reports

XXXX $ from midlands credit collections a third party company that calls and harassing me and I told them I'm not able to pay do to fraud and my information was stolen and they keep calling and I'm trying to fix it
Product: Mortgage

To Whom It May Concern : I am attaching all the information regarding PNC 's handling of my Flood Insurance. 

I received a letter from PNC dated XX/XX/2022, stating that they want to charge me for an Anticipated Escrow Disbursement for Flood Insurance starting XXXX. Not only that they are creating this escrow account, but they are increasing the value of my Flood Insurance. ( See the document attached ). 

However, according to the terms of my Mortgage documents and Deed of Trust, it is my responsibility to pay my tax bill, insurance premiums, and Flood Insurance directly. Furthermore, my flood insurance has already been paid until XXXX. ( See documents attached ). 

PNC Bank is giving me and my Insurance Agent conflicting reasons on why they are doing this. They stated that their Flood Insurance Department reviewed my loan and re-established the escrow account due to Biggert Waters Act, which is why I am bringing this issue to your attention. I can not afford this increase, and I won't be able to pay twice in one year for Flood Insurance. 

I have been very responsible for managing my Flood Insurance and desperately need your assistance. 

I appreciate any help you can provide. Your support is much appreciated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  / XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX / XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

0 % balance transfer on $ XXXX on AMEX EveryDay Credit Card. Called several times and told refund interest will be paid to account on XX/XX/20 and XX/XX/20. XX/XX/20 told will receive {$150.00}. XX/XX/20 told no interst to be refunded for determined not qualified. XX/XX/XXXX told by supervisor not qualified would not present evidence or documentation and would not refund interest charge, event though recommended by AMEX to open card for 0 % balance transfer and card is advertised as 0 % balance transfer card. Told him closing card and paying card off less interest and filing complaint with FTC.
Product: Credit card or prepaid card

In XX/XX/2019, I applied for and was approved a Home Depot credit card. I made a purchase in the amount of {$130.00}. On XX/XX/2019 I received an account statement in the amount of {$160.00}. The breakdown was as follows : purchase {$130.00}, late fee {$29.00}. interest {$3.00}. I wrote a check on that date ( XX/XX/2019 ) in the amount of {$130.00} along with an explanation that this was the first statement I had received and that I had not received a prior statement for only {$130.00}. I requested the fee and interest be subtracted. 

Since that submission, i have receive several account statements for late fees and interest on the original purchase which have increased to a total of {$100.00}. 

My statement is that I did not receive an original statement for the purchase less fees and interest ; therefore, can not be expected to pay more that the amount of the original purchase.
Product: Money transfer, virtual currency, or money service

I set up an account with Binance.US earlier this year, shortly thereafter I decided that I would not be needing to use this exchange, so I removed the Binance 2FA from XXXX Authenticator. At the end of XXXX I transferred cryptocurrency ( VET ) to XXXX XXXX on my phone, with the intention of moving the currency to my XXXX account in a week or two. However I did not know at the time that the XXXX XXXX XXXX uses their own cryptocurrency for network fees ( gas fees ) called XXXX. The only place I can buy XXXX is Binance.US. I have asked them repeatedly to reset my 2FA method which will allow me to login and purchase XXXX, at the time of this writing I have about {$1500.00} in VET that I can not access because Binance.US customer support is completely unresponsive. They asked me for information 6 days ago, I sent them the requested info to verify my identity, a short video requesting that my 2FA be reset, a picture of my DL, front and back, as well as a picture of me holding my driver 's license. Still nothing, thank you in advance for any help with this, I just wanted to call out Binance for their spectacularly poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 checked my American Express Bluebird prepaid debit card account for my paycheck and noticed my paycheck had been direct deposited electronically. 
There was also a withdrawal made from an ATM for {$200.00}. 
I did not authorize this, was not present for the withdrawal, and did not benefit from this withdrawal. I had not given my pin to anyone and my card was in my possession. 
I disputed the transaction online immediately and filled out all appropriate paperwork requested by the company. 
On XX/XX/XXXX my request was denied, citing that the company found there had been no fraudulent withdrawal and the transaction had been authorized. I was told I had the right to review documents used to come to this determination. 
I sent a letter requesting documents that showed why American Express had made this decision. 
On XX/XX/XXXX I received another email informing me that no documentation was used and my dispute was closed.
Product: Credit card

I was using PayPal Mastercard and accumulated some cash back rewards. Paypal linked the credit card to a closed PayPal account and made it impossible to redeem the cash back rewards. I tried to have the problem fixed by Paypal and Synchrony Bank ( card Issuing Bank ) but they kept transferring me back and forth and refused to take responsibility. Then they closed my credit card account for no reason and swallowed {$270.00} in rewards and refused to send the money. I have tried many times to bring it to someone's attention but have not achieved any thing. I have wasted numerous hours on this.
Product: Payday loan, title loan, or personal loan

I've reached out to the company multiple times to get something with my information and they won't provide me with anything. I never took a loan out with the company and I don't feel I should be held responsible for money I've never received.