23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

At first, I had a payment to make but was unaware that credit cards were not an acceptable payment method. I notified the credit card company about the issue, and they promised to send a letter regarding the matter. However, I did not receive any correspondence, so I contacted them again. This led to a second investigation, which took two months to resolve. During this time, late fees and interest were added to the balance owed. Eventually, I paid the full amount, which was initially $ XXXX, but due to the additional charges, it amounted to $ XXXX by the due date of XX/XX/2023. After paying the balance on XX/XX/2023, I requested that they close my account, which they did successfully. However, I was surprised to receive bills again, including interest and late fees that I can not identify. I have already paid the entire balance, and these new charges feel like harassment. Despite paying everything on time, I continue to receive bills with increasing amounts every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom IT May Concern. On XX/XX/2022. I submitted a dispute letter to XXXX, XXXX and Transunion. I saw many addresses, names and phones that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified.But, how though when nothing was sent to me in regard to what they did to verify my dispute. I asked for my credit report in my letter and the means they used to verify this information was mine personal information. I have never lived at any of these addresses before and they refuse to remove them. This is unfair and a violation of my rights. As we all know these companies do not work for the government or state department. All I am asking is that thigns are reported properly. False information can hurt charcter of the person. Just beacause someone has a simlier first name does not mean that it is them. 
I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I live. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. As of today XX/XX/2022, I still do not have an updated credit report from them. I take my credit very seriously and all of these addresses and phone numbers that are not mine are disturbing. I was about part of a data breach a couple times and so as I leanred of this I contacted them and I get no results. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward.
Product: Credit card

Payments on this account have always been made on time, preventing any overdue status. I'm confused about the reasons for the late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.
Product: Debt collection

I have spoken to 3 people about this problem. 
The debt is not mine they even admitted it was a mistake from their part but no action has been done to remove it from my credit report. 
Im in the process of buying a car and this affects me. 
Thanks
Product: Mortgage

This is the 6th complaint I have filed with the CFPB regarding the Deceptive Lending Practices by Colorado Housing and Finance Authority and XXXX XXXX  XXXX. 

My lender has made several false statements regarding my eligibility for a COVID ALM Modification. 

XX/XX/XXXX the COVID ALM Modification was calculated at a 20.21 % reduction. 

Instead of providing me information about the new Mortgage payment, the COVID ALM they made a conscious Decision to not even notify me of this new payment. 

My lender made choice to remove me from COVID Forbearance and COVID Modification Options in XX/XX/XXXX. 

I have been fighting my Lender for over 2 years now. I should have never been put through any of this XXXX. 

Now they have sold my house XX/XX/XXXX without providing proper notice after a Rule 120 hearing. The rule 120 hearing was XX/XX/XXXX, the judge signed this order XX/XX/XXXX. Sold my house XX/XX/XXXX. 

This would be the third vacated Foreclosure, second for the same reason. 

It is more than obvious they have been trying to defraud my home since XX/XX/XXXX. Showed intent when they removed me from COVID Forbearance and COVID Modification in XX/XX/XXXX. 

In the mediation hearing held XX/XX/XXXX the lender didn't feel it was necessary to provide me notices of these actions. 

They are required to provide proper notice after a rule 120 hearing. 

They stole my house for the 3rd time. When will I get action against my lender. 

I shouldn't have to continue with the lawsuit causing me even more horrendous hardships. 

They need to be held accountable for this. 

There are over 2,111 complaints through the CFPB about XXXXXXXX XXXX XXXXXXXX since XXXX. That should be enough to create some attention don't you think? 

All I know is they do not correct this action and come up with a sizeable compensation for the last 2 years I will continue to file complaints and move forward with the lawsuit that I will without a doubt win. 

They had better stop these Deceptive Lending Practices and make serious steps to correct others that have lost their homes like this. 

I am going to start adding names into my lawsuit so that it will be the individuals involved not just the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : DEPTEDXXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this report on behalf of myself, the consumer, with no connection to a third party. I have repeatedly tried to contact and resolve this issue with Transunion, itself but I am continually being violated. I have filed an identity theft report on two accounts, one with XXXX, and the other with XXXX XXXX. They have refused to delete this fraudulent information after several attempts by me to remove it. I have sent an affidavit of truth stating the violations they have done against me. They have refused to respond and therefore the affidavit stands as truth in commerce. I am writing this complaint to the CFPB because these companies refuse to comply with my lawful demands.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRY MADE BY XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA with my husband. 

Email 1 On XX/XX/year> I attempted to make an international transfer between two of my checking accounts. The transfer was for {$2400.00} from the checking account in the bank in my country of origin to my checking account from XXXX, a credit union from XXXX. 

Email 2 Right after submitting the transfer request I requested to cancel it, because on the international transfer confirmation email the recipient bank was stated as Wells Fargo instead of XXXX. The foreign bank tells me the transfer is sent and can not be canceled. 

After this, I learned that given the size of XXXX, they do not process the transfer themselves but use Wells Fargo instead. Which explains the confusion when I was inputting the XXXX code. 

Email 3 On XX/XX/year> I requested an update to my foreign bank on the transfer because they money was not yet in my XXXX account. Foreign bank representative asked another representative to assist me with my request. 

Email 4 On XX/XX/year>, I requested another update to my foreign bank and was told that the foreign bank was going to open a case to investigate. 

Email 5 On XX/XX/year>, foreign bank told me what they found from their case. The reached Wells Fargo and were told that the money ended up in a Wells Fargo customer 's account with Wells Fargo. Wells Fargo requested to this person that they send the money bank but the person refused. Wells Fargo told my foreign bank there was nothing else they could do. My foreign bank told me this case was closed. 

This is where I found that the XXXX code I used was an expired Wells Fargo XXXX XXXX. Even though I inputted my XXXX account number and my name in the international transfer order, the money reached someone in Wells Fargo. It appears as if this person has the same account number in Wells Fargo as my XXXX account number. But the name in the international transfer was my name. 

Email 6 On XX/XX/year>, Wells Fargo notifies me of an opened case by someone else on my behalf. This was done after my husband went to a Wells Fargo in downtown XXXX, WA to explain my case. By this time, and for the rest of my situation, I am outside of the US. 

Email 7 On XX/XX/year>, Wells Fargo notifies me that they had close the opened case because they had tried to contact their customer but got no response. 

Email 8 On XX/XX/year>, Wells Fargo notifies me that a new case was opened on my behalf, but that they we not authorized to give me any further information. This was done after my husband returned to the downtown XXXX office and requested them to revisit the case. 

This concludes my attempts to get the {$2400.00} back from Wells Fargo after the incorrect XXXX code was used to transfer money between two of my checking accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681c Section 604 ( a ) ( 2 ) States that a consumer reporting agency can not furnish a account without written consent of the consumer. ( Me )!

15 U.S.C 1681s-2 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is innacurate. 

Transunion ; XXXX XXXX XXXX. {$390.00} XXXX XXXX. {$0.00} XXXX XXXX XXXXXXXX. {$370.00} XXXX XXXX. XXXX. {$130.00} XXXX XXXX. XXXX. {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX. XXXX. {$260.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX XXXX. XXXX. {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX XXXX XXXX XXXX. {$0.00} ALL THREE CREDIT REPORTING AGENCIES REFUSED TO SEND ME A FREE COPY OF MY CREDIT REPORT UNLESS I AGREED TO THERE TERMS OF SERVICE AND PAID FOR THERE PREMIUM SERVICE ONLINE ON XX/XX/2023 I HAVE NOT GIVEN ANY WRITTEN CONCENT NOR VERBAL CONCENT FOR ANY AGENCY TO REPORT ON ANY OF THESE NEGATIVE ITEMS. THERE ARE ALSO NEGATIVE ITEMS WITHIN THE LIST PROVIDED HERE THAT I HAVE NO KNOWLEDGE OF. 
I AM ASKING THAT ALL THE ITEMS BE REMOVED IMMEDIATELY. THEY HAVE PRETTY MUCH RUINED MY LIFE. COMPLETELY RUINED MY LIFE! THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and i noticed a lot of accounts that are not mine. I have requested information from the companies, but they have not provided me with any information. I have never used my credit for anything but a XXXX XXXX  account. The other information is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this letter is to request an investigation of the inaccurate information reported by XXXX XXXX  XXXX XXXX to Credit Reporting Bureaus XXXX XXXX Equifax XXXX and XXXX. After over 25 telephone calls to the creditor since XXXX XXXX, the creditor has still failed to correct the issue and only continue to ask for more time to investigate the matter. The creditor is reporting a 30 Day Late Payment dated XXXX XXXX XXXX for credit card ending in XXXX. This account was Not Acquired until XXXX XXXX. The credit card account is showing listed with the credit bureaus as Account Number XXXX. The information the creditor is reporting is inaccurate. As for supporting documents, I requested ALL Monthly Statements associated with credit card ending in XXXX / Account Number XXXX. The creditor provided ALL the monthly statements associated to the account. Documents provided for XXXX XXXX to XXXX XXXX. Please see attached documents. In addition, I originally requested all statements and accounts associated with my credit file since XXXX. Via telephone call, I was advised I was not allowed to receive any statements or account information prior to XXXX XXXX which is not associated with credit card /account number ending in XXXX Account Number XXXX. Attached find supporting documents : Equifax Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : XXXX Equifax Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 57 Monthly Statements from Creditor Dated : XXXX XXXX to XXXX XXXX
Product: Debt collection

All 3 credit bureaus ( XXXX, XXXX, XXXX ) continue to report this collection account under various collection agencies. Its clearly obvious that they are prolonging the statute of limitations for this account to make the reporting last longer on my consumer account resulting in further damage of my credit. I am writing to dispute the validity of the debt collection account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as high in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate,,, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX and XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a l sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 120 days later, I have not received a response regarding these accounts. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my report. Because it has been over 120 days, these items are long overdue for removal. I demand these accounts be validated or be removed immediately or I will be forced to file for litigation for the mental anguish these accounts have caused me. My data was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Product: Debt collection

Letter was sent XX/XX/2021 to Equifax and XXXX on the violation of my consumer rights and consumer reputation by 5 third party collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CALIFORNIA XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX, and XXXX XXXX XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States 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.
Product: Credit card or prepaid card

Capital one is doing a big fraud with me, I am not going to use Capital one card for big transactions anymore. I disputed three transaction 3 months ago, one was the XXXX for {$93.00}, the second one was for {$300.00} the home inspection one and the third one was the {$140.00} one. For several days capital one gave me a credit for all three transactions and now they added it back on my credit card and sent me a letter for two of them, {$93.00} and {$300.00} and said that they are going to reapply the credit on my credit card before the transaction is completed. 

This is a big fraud bank. Why they gave me a credit at the first place if they wanted to reapply it again and that too after so many several months. 

Please see the attached screenshot and a copy of the letter I received from them. 

I am going to return all big purchases on this card and put it on XXXX XXXX who is not a fraud like this bank and is more reliable and doesn't play a vicious circle.
Product: Debt collection

currently enrolled in debt relief program and have been instructed to not communicate with the creditors listed in my account. XXXX XXXX ( XXXX   ) has just contacted me at my employer. my debt relief company suggested i file the complaint due to this being illegal? XXXX from XXXX XXXX/XXXX   called me XX/XX/19 around XXXX XXXX. her call back number is XXXX XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated an in-app purchase for {$24.00} in the XXXX XXXX  app. Because I have an XXXX device, the payment transaction was done the XXXX XXXX XXXX and {$24.00} was immediately deducted from my XXXX XXXX account. Instead of immediately receiving my in-app purchase, XXXX XXXX displayed an error message about a fatal error and directed me to restart the app to collect my purchase. 
When I still had not received my purchase after several restarts and reinstalling the app, I used the XXXX XXXX XXXX 's on-line " report '' process to request a refund. In response, Google refused to issue a refund because their refund policy did not authorize refunds for my issue - not receiving my purchase. 
Unhappy with the automated response, I requested a call from the XXXX XXXX XXXX to resolve the issue. After spending several minutes on hold waiting for the representative to further investigate the issue, I was told the delay was caused by a glitch and that 24 hours after the transaction either I would have my purchase or a refund. 
When 24 hours passed without receiving my purchase or refund, I again spoke with a XXXX XXXX XXXX representative by phone. Despite requiring XXXX users to make payments through the XXXX XXXX XXXX, This 36 minute phone call consisted of the rep telling me that Google could not issue a refund and that I needed to talk to the developer. When I objected because XXXX XXXX is an agent for the developer and asked to speak to someone with authority, I was told there was no person available. 

1 order ( s ) not refunded for a total of USDXXXX XXXX Gold ( XXXX XXXX ), USDXXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : Case ID [ XXXX ]
Product: Mortgage

I currently owe only {$12000.00} on my mortgage and I have no credit card debt. My credit score is 820+ I tried to get a line of credit secured by by house so I could pay off the existing mortgage and start a new business selling on XXXX . I asked for only {$75000.00} and my house is worth {>= $1,000,000} If I used all of the credit line it would reduce my monthly payments by {$220.00}. I currently have {$50000.00} is stock and savings. PNC holds my mortgage and that is where I applied for the line of credit. It seems unfair that I got turned down when I have enough money in the bank to pay of my current debit four times.
Product: Checking or savings account

In XXXXXXXX XXXX XXXX I went to Truist Bank after my parents passed to see what my parents had in the way of CDs or IRAs. I spoke with a lady at the bank and was told my dad had three CDs in the amounts of {$56000.00}, {$58000.00} and almost {$100000.00}. She even looked at me and asked what my father did. I told her he was an engineer. When my sister opened up the estate account, she said there was only {$79000.00}. Over {$20000.00} of this amount was from their checking account. I asked my sister about the difference, she told me they said thats all they had. Since she embezzled money from the company my father worked for years ago, I didnt believe her. She wouldnt share anything and would hang up on me when I asked about statements. She said she didnt have to tell me anything. It wasnt until I wrote her lawyer a letter about her behavior, she would create an XXXX spreadsheet that made no sense. I decided to get a lawyer. So far, I have spent {$12000.00} out of my own pocket. I had poor legal representation and now have to pay her court costs. My brother and sister have disowned me because of what Truist told me. I now have no family because of Truist. Truist has caused me to lose the only family I had left, spent thousands of dollars trying to get to the bottom of it and severe anguish and XXXX. This is so wrong they cant get away with this. 
I am a widow of a Chief Warrant XXXX XXXX that was in the United States XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX I applied for a home mortgage and was denied on the grounds of a Foreclosure showing from XX/XX/XXXX.  Herein lies the problem, XXXX XXXX XXXX reported the Foreclosure on the above listed date.

First, this foreclosure does not show on my Consumer Credit Report so I was unaware of the foreclosure until I attempted to obtain this new Mortgage.

On XX/XX/XXXX, myself and my ex-spouse signed a Deed in Lieu of Foreclosure.  
On XX/XX/XXXX I received a IRS Form XXXX showing Cancellation of Debt.
On XX/XX/XXXX a Satisfaction of Mortgage was recorded.
On XX/XX/XXXX the aforementioned Foreclosure was recorded by XXXX XXXX XXXX, a company I had never heard of or was ever advised had any interest in any mortgage.

Ultimately as a result of this Foreclosure that, as stated before, I had no knowledge of, I have been denied a new Mortgage.  This filing, that does not show on my Credit Report is the sole reason for the Mortgage Denial.

My question is, If I was given an acknowledgment of Cancellation of Debt in XX/XX/XXXX, how can a Foreclosure be recorded in XX/XX/XXXX by a Servicer I've never heard of, without me being notified of the action.