23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was awarded mortgage assistance through my state due to the pandemic in XX/XX/2021. My award was transferred to my county for disbursement. On XX/XX/2021, I was contacted by Mr. XXXX XXXX who works for the Department of Human Services, XXXX County advising that he has been unable to get in touch with my mortgage servicer, Rushmore Loan Management, in reference to them signing a state required purchase order for the funds to be electronically sent to them. Mr. XXXX sent me a form, informing Rushmore that I authorized my state to perform this action on my behalf. On XX/XX/2021, XXXX XXXX advised that he still had not heard from Rushmore in reference to the payment. On XX/XX/2021, I spoke with a customer service manager who assured me the information was received, gave that person both Mr. XXXX 's fax number and my email address to forward the paperwork once complete. On XX/XX/2021 I spoke to another customer service representative who assured me that the form would be going out that day. On XX/XX/2021, Mr. XXXX reached out to me advising that the paperwork had still not been received on his end. On XX/XX/2021, Mr. XXXX and I both spoke to a representative named XXXX ' who informed us that both the paperwork and account were under review for possible denial? Again she took Mr. XXXX 's fax number and assured us someone would follow up. On XX/XX/2021, I spoke to another customer service representative who said there was no update and also no notes from our previous conversation with XXXX '. On XX/XX/2021, I called and was once again told there was no update. On XX/XX/2021 Mr. XXXX resent the paperwork via fax and email to XXXX. On XX/XX/2021 I called and spoke to 'XXXX XXXX who assured me someone would call me back by the end of the day. The callback I received was automated and no update was given. On XX/XX/2021, I called and spoke to XXXX XXXX who stated that my account was under review and I should have an answer by XX/XX/2021 BUT also advised that I call back on XX/XX/2021 for an update. The representative ended the call abruptly. On XX/XX/2021 I called and spoke to XXXX ' again who informed me that the incorrect department received my paperwork on XX/XX/2021 but assured me that the paperwork was in the correct department now. The case had been closed by the incorrect department on XX/XX/2021 and that processing would take another 3-5 business days. She informed me of my total amount due ( which by this point is almost double the amount of the award ) repeatedly but also denied that I was eligible for any additional assistance. She promised to call back on XXXX XXXX. This time I waited to see if I would receive a callback. No one reached out. I am afraid that Rushmore is deliberately holding off on this paperwork to foreclose on my home. I am a single parent and can not be homeless. I am not sure where to go from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent to Transunion my XXXX  and XXXX  credit reports/files that show, I had identity theft on my credit report. For some reason, Transunion still has on my credit report and an item on my report that was due to identity theft, and as you can see from the attachments XXXX  and XXXX  have removed the item. 

I have attached the proof that XXXX and XXXX  removed the alleged debt from my credit report because it was identity theft. 
I have also sent a copy of my driver 's license and social. I XXXX XXXX XXXX is requested this no one else and my id can verify who I am. 

My ask is that unless Transunion can send me the original signed documents for the alleged debt and how did they verify the alleged debt since it's identity theft? If they can not please removed it from my credit report/file as XXXX  and XXXX  have done. 

CFPB can you look into this matter and my next steps will be to seek legal actions.
Product: Credit card

I disputed a {$240.00} double charge, and provided evidence of the mistake. After a month long investigation, Citi bank credited me {$9.00}. No explanation why, and when I call they told me they could not reveal how they got to that number. Not using them any more
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXXXXXX from XXXX XXXX in XXXX. They told me they were adding XXXX  XXXX  due to the high amount might loan was as well as a warranty into my total price. They charged me almost XXXX XXXX for a car that was worth XXXX XXXX at the time. I was completely taken advantage of as he knew I was new to the car process. After a few months an issue came up with my vehicle that required work that should have been covered by my warranty, I called XXXX XXXX to find out that they had closed. I had to XXXX who had my loan and what was happening, they sold my loan to XXXX XXXX XXXX and I needed to get ahold of them. Upon getting ahold of them they informed me that XXXX was NOT honoring any of the warrantys that we paid XXXX XXXX for and if we wanted the refund we had to deal with XXXX XXXX. Fast forward after dealing with that issue myself my car was totaled in a hit and run. I called XXXX  and they informed me they were not honoring any gap coverage that we may have paid the company for. I was paying XXXX XXXX a month for over a year on this vehicle, after it was totaled XXXX  was telling me I still after a year of paying owed almost XXXX XXXX on the car. They also informed me that due to them not being able to honor my XXXX  XXXX  that XXXX XXXX took money from me for I had to pay back this XXXX . My insurance paid out XXXX to XXXX  leaving me with XXXX & to pay. I dont know what happened to my payments made to XXXX XXXX before they went out of business ; I dont have any money from any warrantys or gap coverage back and now this company wants XXXX XXXX for a totaled car while they RUIN my credit. I need some help with where to turn next. XXXX  will not help me. They have since written off the XXXX XXXX they are still saying I owed as a bad debt on my credit. So now my credit is suffering tremendously. This company has taken so many peoples money, I dont believe I owed them that.. and I would like it taken off my report and labeled as a closed account.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX. XXXX XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied multiple loans and found out it was because there is an open line of credit in the amount of {$5000.00} and over {$3000.00} of it has been utilized. This is at a bank in Rhode Island I have never heard of, been to, or applied for any services at. I have reached out to my local police department and filed a complaint about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions and Experian is the only one with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX  XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX  XXXX XXXX XXXX XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a dispute to Equifax CRA to dispute an inaccurate account. Equifax then responses that they could not locate my file in their database and needed to confirm my identity. The thing about it is that I sent a signed and notarized copy of my California drivers license and copy of my Social Security card along with my dispute letter. Despite their claim, they placed a pre screen opt out on my file. But they couldn't find my file though. Not sure how both of those statements could both be true. Placed an opt out on a file that they could not locate. 

So, I got another notarized copy of an updated dispute letter which contained, once again, a copy of my California drivers license and Social Security card. This time Equifax completely ignored my dispute and only sent me a copy of my report. Once I get the report I see that they have my address as " XXXX XXXX XXXX '', and my license reads " XXXX XXXXXXXX ''. I send in a dispute letter disputing the account that I was originally disputing as well as disputing the misspelled address. Equifax then sends me a letter stating that they can't find my file, again, and that my ID has to match there records. I thought that their records had to report MY information correctly, not the other way around.

It seems that I'm stuck in a catch 22 here. I need to correct the address that Equifax is reporting, but I can't dispute the incorrect address unless my address matches THEIR records even when I send in copy of my California drivers license, Social Security card, and a current credit card statement along with my dispute letter. 

Please help.
Product: Credit card or prepaid card

I was a few days late making a payment as I hadn't received the bill. I realized the oversight and paid the bill on XX/XX/2020 and advance paid the next month 's on XX/XX/2020 as well. I contacted Comenity Capital bank-the issuer-and they waived the XXXX late fee as I had never been late before. On XX/XX/2020 my card was declined. When I contacted Comenity I was told that my account had a " utility suspension '' until the next billing cycle=over two weeks away. I messaged Comenity and a person named XXXX called back. I questioned if this punishment was outlined in my BJs credit card agreement or anywhere on Comenity 's website. He was unable to produce it and said it was an internal policy, not noted anywhere in writing he could find, but regardless he couldn't waive the suspension. It is outrageous to subject consumers to this phantom policy and tell them that there is no recourse.
Product: Credit card or prepaid card

In XXXX I went to make an online purchase from my Discover Credit Card. I have made purchases with this card through the year as I have needed it. However I had received a credit card limit increase having been with the company for a handful of years so i knew there was plenty of money on the card. I went to use the card in the morning to order a XXXX gift for my fiance when I notice the Discover card app telling me my account is not only maxed out but over drawn! I have never maxed out a credit card and I have certainly never over drawn. I started panicking as soon as i noticed and felt foolish that I hadn't noticed sooner. I'm just not use to this kind of thing happening but I call the credit card company as soon as i am aware of the issue. I spent probably over an hour on the phone providing any and all information and going through the entire list of charges. The card seems to have been used physically dispite me having the original card. And what's harder to understand is the credit card company has stated that the charges stopped on the alternate card after the credit report was made though they said the card would still remain active while i recvived a new card. I assumed the guy must have stopped using it once it maxed out. That's just my guess. 
I was under the impression that everything was taken care of after I made the necessary calls. And was given reassurance by a Discover Card representative. But I earlier received another call back from Discover and they are saying that since I have shopped at similar places in the small town XXXX area, that it appears illigitmate. The representative also claimed that fake credit cards do not actually exist and that they are just a popular idea on XXXX. I asked if there was any information at all that I could provide to help with their investigation and provided as many details that I could possibly remember following the dates of the charges. The representative refused any addition information and she insinuated I was lying. I immediately continued to take action with a police report. Police Report Case Tracking Number : XXXX.
Product: Student loan

Every time I was having difficulties making payments to this creditor I always communicated my issue and submitted the paperwork required for forbearance or deferment of payments for a period set by the creditor based off my circumstances. While this was often reflected on my credit report, there were few situations where the forbearance was not reported to the credit bureaus and instead was left on my credit report as 30, 60, 90,120 day lates or missed payments. 

I began submitting Disputes with all three credit reporting agencies on every quarter beginning XX/XX/XXXX. 

I employed a credit repair company in XXXX, at great expense, that also conducted credit disputes with all three credit reporting agencies regarding this account on my behalf ( Submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ) I wrote goodwill letters to the company Account Manager ( POC ),  Regional manager and CEO requesting the changes be made to my payment history in good faith as I was paying what I could, whenever I could. As a returning XXXX  Veteran of the XXXX XXXX, with the injuries ( physical and psychological ) I sustained during XXXX XXXX XXXX ( XXXX ), I had difficulties in finding gainful employment the first few years after my return to civilian life which made fulfilling my student loan obligations impossible under the circumstances The company then changed internal policy to allow for issuance of post marked forbearance on accounts going back to XXXX of XXXX. I applied for the application of this policy regarding my missed payments and was told that my lates were ineligible because my late/missed payment were too early in XXXX, they were reported before XXXX of XXXX, the limit of where the post dated deferment would apply. 

I PAID IN FULL and closed the account last year under the condition that once the account was paid off that the past disputes I submitted would be addressed and the lates would be removed from my credit report. 

Now that the the account is closed and PAID IN FULL, I no longer have access to the digital correspondence between the company representatives and myself or the confirmation letters of forbearance/deferrment that were provided to make the requested adjustment to my payment history
Product: Payday loan, title loan, or personal loan

Individual from Tower Loan local office, called my place of employment and disclosed information of my acct with my boss, not HR, they disclosed they take me to court and would garnish my paychecks and disclosed to my boss I would need to call them today by XXXX. My boss is not HR and nothing like that should of been talked about. That is very unprofessional and should have not been discussed. If they wanted to verify I was still employeed fine ask that but what was said was not ok. I've put up with quite a bit of home visits from them within the office and haven't complained.
Product: Debt collection

AARGON VIOLATED THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. SEVERAL UNFAIR, DECEPTIVE AND ABUSIVE PRACTICES, VIOLATING THE F.C.R.A. F.D.CP.A. AND XXXX COUNTS OF THE T.C.P.A. IN THE COMMISSION ODF COLLECTING CONSUMER DEBT.CALL US 2 TIMES AFTER CEASE AND DESIST AND FAILED TO CALL MY LAWYER. called XXXX on cell number. 

SEE ATTACHED
Product: Checking or savings account

my account was closed apparently without me knowing. i try to open a new one and they say no one can help with the issue. i would lile to know why it was closed. i tried to open it multiple ways but failed access. this is the second time this has happened the first time it opened back up this time it won't. ive tried for the last two days XXXX of XXXX.
Product: Debt collection

A man by name of XXXX XXXX, claiming he is an attorney for the XXXX. I called the number back and it says CCI. He keeps calling me harassing me about a debt he is saying my father owned from being in the XXXX XXXXI previously told him that my father had Medicaid and Medicare. I asked him to please stop calling me. 
He continues to call me harassing me, cussing me out, yelling, calling me incompetent an threatening me. 
He also left a very nasty message and continues to call and be very disrespectful. 
He calls from different numbers XXXX, XXXX, XXXX, XXXX, or a private number. I am going to file harrassment charges if this continues.
Product: Credit card or prepaid card

XX/XX/2021 I receive child support benefits through the state of Oregon on a U.S. Bank Visa ReliaCard. 
On XX/XX/2021, I attempted to use my card to buy groceries and it was denied. I was shocked because I had nearly {$7000.00} on the card. I had been saving as much as possible to use for my daughter 's XXXX. 

I immediately called the number on the back of the card and after many tries and hours got through. They said that {$1900.00} had been transferred from my debit card to a bank account, not once, not twice, but three times within 10 minutes on XX/XX/2021. The following day, XX/XX/2021, {$700.00} was transferred to the same account. They then directed me to the fraud department and took me through cancelling the card. 

It appears someone had set up an online account in my name. They may have used the email address XXXX to change the pin, etc. That is an email address I have never seen, had, or used, nor do I have access to it, but when I accessed the account online that was the email associated with the account. It had apparently been changed from my email and no one ever informed or checked with me to insure I had made the change. I dont know what phone number is associated with the card, just that it is not my phone number which was rejected as being associated with my card. 

I did not make or authorize these transfers. My card was not stolen. I did not give my card information to anyone. In the nine years or so I have had the card I have never made a card to bank account transfer. I would think that these huge transfers within minutes of each other, along with personal information on the account being changed would have triggered the fraud triggers U.S. Bank is said to have in place, but I guess they did not. 

I filled out all the required fraud paperwork on time and properly. I can show my bank accounts, credit report, anything. The dispute claim number is XXXX. 

I received a letter today dated XX/XX/2021 from U.S. Banks Prepaid Dispute Resolution stating there was no error and that my child support account would remain at {$0.00}. The investigation was done extremely quickly, and I have no way of knowing what it consisted of. I would hope that when a childs welfare is on the line, a little more care would be taken to get this right. Someone stole {$6400.00} from my XXXX XXXX and U.S. Bank literally hung up on me when I tried to calmly get more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XX/XX/XXXX and was told it would be resolved in a few days My current mortgage company called them again on XX/XX/XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or the company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that HUNTER WARFIELD absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Checking or savings account

XXXX - XXXX : Wells Fargo employees were transferring funds from my accounts without my knowledge or consent into other accounts, without me knowing, racking up associated fees and charges. Wells Fargo also issued and activated debit cards without my authorization.
Product: Mortgage

This Escrow officer cancelled my account after i challenged their office fees. 

XXXX XXXX Escrow Officer | XXXX County T : XXXX | F : XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX | XXXX, CA XXXX oldrepublictitle.com or ortc.com How can she do that without my consent or knowledge? 
As i buyer, i do have the right to challenge fees, i have done it many times with builders, lenders, etc .... 

I am stunned that this has happened. 
I am buying 3 homes in a XXXX XXXX, and i am using XXXX XXXX XXXX for all of the paper work. 
I XXXX Loan Tie-in cost, and the result was that it is a fee charged when it involved multiple loans, many customers named that as a junk fee. 
The other fee i asked about was the exchange support fee. 

What she did i think was illegal. 

Please advice. I am now trying to get XXXX XXXX from the XXXX office to pick up this account. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

I am writing to formally dispute the bankruptcy listed on my credit report. After reviewing my credit report, I have noticed that there is a bankruptcy filing reported under my name. However, I assure you that this information is inaccurate, and I request its immediate removal from my credit report. Bankruptcy XXXX  XXXX