23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was going through Wells Fargo to refinance my home. During the process, I was deceived and flat out lied to on at least XXXX occasions. The major lie was made when the appraisal of my home came in lower then expected. I was instructed by my loan officer that I needed to submit a letter to the appraisal company disputing their appraised value of my home. I wrote the letter and sent it to Wells Fargo like I was instructed to do. They were supposed to send the letter onto the apprasisal company. After asking numerous times what the outcome was of the dispute, I was told in writing that, they would not budge on the appraised value. After going back and forth and asking for the dispute denial in writing in turned out that Wells Fargo never sent the dispute letter to the appraisal company. After speaking to the appraiser again, he stated in writing that had he got our letter he would have changed the value. Because my home did not appraise for what I needed it to appraise at, I then had to buy down points in order to stay of of off sheet interest rate pricing. Wells Fargo was extremely deceptive and lied to me on numerous occasions.
Product: Checking or savings account

I already had a Citi XXXX for many years. One day in XXXX or XXXX of XXXX I was looking at the credit card account online, and an offer to get a Citi Checking Account popped up. It said that they would give me a {$200.00} bonus for opening a new account if I deposited and maintained a {$3000.00} balance. I attempted to open the account online, but it wouldn't go through. They provided a number to call in case of any problems ( XXXX ext XXXX ). I talked to a representative who opened the account over the phone and he said I would receive the identical promotion mentioned online. I have called Citi several times since then to ask for the {$200.00} promised, and each time they have an excuse. First it was that I hadn't submitted a Form XXXX ( not true, as I received their new account welcome kit and mailed it then ). Over the last 7 months I mailed a XXXX to them XXXX times and faxed it once. Now they have the XXXX registered on their system, but the new excuse is that they can't find the details of the promotion code the Citi Phone XXXX entered . I personally called the phone number above and asked them about this ; the rep was immediately able to give me the promotion code that their rep entered ( XXXX ). Since I was able to get the information immediately, don't you think that the " customer service '' people I've been dealing with would also be able to verify this and fulfill their part of the bargain? During the account opening process, I took screen shots, and downloaded the terms and conditions of this offer. I offered to e-mail them all of this proof but they said they can not accept e-mails. I think I have waited long enough for this offered to be fulfilled. They appear to be just ignoring me, hoping that I will give up and go away. I am tired of being treated like this, and deserve to receive the promotion that I signed up for. I am attaching to this complaint the screen shot of the promo, plus the terms and conditions I downloaded from the Citi web site. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a dispute with Sychrony bank concerning a {$160.00} Amazon credit account, received an e-mail clearing me of this error on their part. Today. When I checked with XXXX XXXX. both XXXX and XXXX had dropped approximately 80 points due to Sychrony bank filing a {$160.00} past due notice.
Product: Credit reporting or other personal consumer reports

XXXX According to the reports, this account was opened on XX/XX/2018. It shows " charge off '' in the status section. Any debt that has been charged off is now a certificate of indebtedness, which is considered income and should NOT be on my credit report. This is a violation of 15 U.S. Code 1681, which is attached.
Product: Credit reporting

Equifax has been ignoring the rules set forth in the FCRA. Back in XXXX XXXX I sent a dispute in for acct US Dept of ED. Equifax claimed they verified the account on XXXX XXXX, XXXX & I needed to contact the data furnisher for further verification. On XXXX XXXX, XXXX I sent the data furnisher a letter requesting all proper documentation verifying this account belong to me & I was liable for the account. I also wanted to know the methods used to investigate the account. I was n't convinced they account belong to me or was properly verified using the proper methods required in the FCRA. On XXXX XXXX, XXXX, US Dept of ED received my letter. As of today 's date I have never received any correspondence from US Dept of ED. On XXXX XXXX, XXXX I sent a complaint back to Equifax explaining that US Dept of ED has ignored my request for further information & they needed to remove the account from my report. It has been over 2 months now since my XXXX XXXX, XXXX letter was mailed. Equifax still shows the account on my report & has not sent me any correspondence as to why it has n't been removed. I would like this account removed at once ... it does n't belong to me ; there is no signed agreement between me & the data furnisher which I 'm aware of & Equifax has failed in doing their due diligence in protecting my credit. I would like this account removed immediately.
Product: Debt collection

Company  : Credit Control Company I h ad insurance with   XXXX   and I did n't renew the policy but   XXXX   kept the policy going without a payment so now I am being harassed by the collection agency they have hired to collect the amount that I do not owe. My complaint is this compan y Credit Control Company has reported the same account on my credit report   XXXX   times in one month an d the account is showing up on both my  XXXX  credit report and my  XXXX  credit report which is impacting my credit very negatively. The company has not done anything to correct their error. Both credit companies send me alerts due to prior attempts of fraud in my name. This company is shady and they have no regard for the damage they are causing. The representatives are rude and will not let me speak with a higher official to resolve the issue they advised they will keep reporting it until it is paid. And to my knowledge it is illegal for the same account to be reported over and over again on my credit file. The amount is for {$190.00} they reported this account on  XX/XX/XXXX  , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  las t conversation with their company was today @ approximately  XXXX  in which the rep stated they need my full credit report to be faxed over and that I will not be doing because I 'm sure they can see each time they reported this account. The account is not new they keep reporting it like it 's a new collection account every time they submit the information to  XXXX  and  XXXX . This account goes back to  XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX  XXXX {$260.00}
Product: Debt collection

I received countless of harassment letters and phone calls about a debt that is a result of identity fraud. 
The amount of {$670.00} From XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from Experian. It indicate the following credit inquiries that was not authorized by me : XXXX/XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX Therefore, I am writing to dispute these inquiries and have them removed from my credit report. Please forward any documentation that you may have in regards to the removal of these inquiries.

Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well. 

Thank you for your prompt assistance.
Product: Debt collection

To Whom It May Concern : I closed my account with XXXX on XX/XX/XXXX. When I first canceled the account XXXX did tell me that if the new homeowners did not pick up service, I may be charged {$700.00} for the equipment. For several months I was careful to watch for additional charges but there were none. I heard nothing more from XXXX, paid my final bill and assumed the matter was finished. 

In XX/XX/XXXX I began receiving calls from a collection agency, XXXX XXXX XXXX XXXX, XXXX TX. On XX/XX/XXXX I spoke to XXXX. She informed me that XXXX forced a vendor to buy back equipment from my XXXX account because I had only had my service for one year. XXXX never attempted to reach me to buy back my equipment. No other service attempted to reach to me to buy back my equipment. XXXX said that my equipment was put in by a company no longer in business - " XXXX XXXX XXXX ''. That " XXXX XXXX XXXX '' had been merged with a company called " XXXX XXXX '', and that both had been purchased by XXXX. Now, neither business exists but my " debt '' is to XXXX XXXX. 

I told XXXX no one had attempted to contact me, and that I was not familiar with XXXX XXXX XXXX, XXXX XXXX, OR XXXX Representatives. I told her if I actually owe someone, I'd like to speak to them personally. She stated that it was now against the law for me to speak to them personally because it was in collections. She said they must have tried to reach me at my old address and this is why I never received any notice. However, my mail was forwarded from that address. So that did not make sense either. 

She stated that they had agreed to settle my debt for 75 % of the original cost and now I only owe $ XXXX. I stated that's odd, the debt has increased, however, if I do owe this, I would be willing to possibly negotiate to 50 %. She left the phone, came back and said that they were willing to drop it to $ XXXX. I said, how would I pay that. She said we except Visa, XXXX, XXXX XXXX, and XXXX. I said, I would like to pay by check, to which she said, I was able to do that, but if I did it would be at the higher amount of over {$1000.00}. 

I called XXXX. They assured me that my account with them was clear. I owe nothing. They also sent me a letter stating that my account is in good standing and my balance is {$0.00}. 

The collection agency did threaten to hurt my credit, which today has a FICO score of XXXX. 

Please advise. 

Warm regards, XXXX XXXX
Product: Mortgage

Mr. Cooper is supposed to automatically pull our mortgage payment on the XXXX of the month. This has consistently failed to occur, despite receiving emails thanking us for our payment. Weeks later, when the next payment is due, Im notified that I owe double what I should plus late fees. This has happened multiple times. Ive even paid the double month mortgage just to get back on track and the issue comes up again. They are trying to charge me hundreds of dollars for insufficient funds weeks after the money was supposed to have been pulled, when the money was ready to be pulled and dedicated to the mortgage. We have encountered financial difficulties the last 4-5 months and have stayed on top of all bills, all obligations, despite a cut in income. I had a previous mortgage with XXXX and never missed a payment. I got this current mortgage through XXXX and was notified that they sold it to NationStar/Mr. Cooper. This initial period was difficult, too, because of Nation Star and Mr. Cooper and XXXX XXXX XXXX all contacting me as though they were my lender for the mortgage. My family reached out to them to ensure our mortgage was paid and autopay was set up. Despite autopay being set up, it did not pull. So we opted to pay ourselves. This still didnt work, because- again, despite receiving emails thanking us for our payment, the funds werent drawn for weeks. This makes budgeting during financial hardship with a new baby and a XXXX veteran spouse as an XXXX XXXX military mother that much more frustrating. I do not want to continue to watch my credit score plummet and have added stress despite having budgeted for the mortgage payment at a specific time of the month and having those funds available at that point. I do not want to work with this bank, had I had a choice I would not have chosen them. This is horribly frustrating as someone who never misses a payment. I advise anyone who has a choice to pull their funds, switch financial institutions or avoid Mr. Cooper in the first place. Ive called them to address this multiple times over the last few weeks and no good has come of it. Im writing this now after waiting on hold for XXXX minutes, finally getting a representative and explaining my situation, then having them accidentally disconnect the line. Nobody has attempted to call me back and reengage. This is typical. Do not work with Mr. Cooper, protect your money, your health and your family and avoid them at all costs.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due  XX/XX/XXXX , 30 days  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , 60 days  XX/XX/XXXX , 90 days  XX/XX/XXXX , 120 days  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have been working with all credit bureaus to update my information. My information was updated and all names and addresses were removed to reflect one name and current address. However recently Experian, XXXX, and XXXX have put many names and addresses as reporting onto my credit reports. This is a direct violation of the Fair Credit Reporting Act. Under section 609 of the Fair Credit Reporting Act ( FCRA ), federal law protects consumers from unfair credit and collection practices. My credit report has inaccurate information on because of the credit bureaus inaccurate reporting. It is negatively affecting my finances. This inaccurate information should not be on my credit report. 
If continues to happen these are willful violations and namely actual damages by the top 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to request further assistance regarding the XXXX XXXX XXXX account listed on my credit report with a balance of {$590.00}. Despite several attempts to dispute this account through XXXX, I have received repeated denials, with the explanation that the account is being verified as accurate. 

I initially filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and the case was closed with XXXX verifying the account as accurate. However, the issue at hand is not the accuracy of the account, but rather that the original creditor, XXXX XXXX XXXX, has requested the removal of both accounts associated with them from my credit report. One of these accounts was identified as fraudulent, and XXXX XXXX XXXX could not locate it in their system, while the other, with the {$590.00} balance, has been sent to collections. Despite this, XXXX XXXX XXXX remains the original creditor, and they have issued a letter confirming their request for both accounts to be deleted. 

As the original creditor has made this request, I am asking for your assistance in ensuring that both accounts are removed from my credit report in accordance with their request, even though one account has been sent to collections. 

I kindly request your prompt attention to this matter and look forward to its resolution. 

Thank you for your time and assistance
Product: Credit card or prepaid card

XX/XX/2019 Submitted documentation stating fraudulent charges on my card Company response was incomplete Followed up with 2 letters Dated XXXX and XXXX No response
Product: Credit reporting, credit repair services, or other personal consumer reports

Demand statutory compensation of {$1000.00} and deletion of 5 bankruptcy accounts and XXXX XXXX reporting on my consumer report file. Transunion has violated 15usc1681c2 Information resulting from identity theft Consumer agency shall block any alleged information from identity theft within 4 businesses days Transunion has failed to do so therefore I am requesting statutory compensation of {$1000.00} and deletion of 5 bankruptcy accounts and XXXX XXXX reporting on my consumer report file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally request the blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft.

The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX XXXX XXXX XXXXXX/XX/XXXX {$28000.00} XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00} XXXX XXXX XXXX XXXX  {$11000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Transunion ) Transunion XXXX XXXX XXXX XXXX  {$28000.00} XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX  {$25000.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$28000.00} XXXX " XXXX " XX/XX/XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$25000.00} XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX These accounts were not authorized by me and are a result of the data breach that compromised my personal information. I have attached the necessary supporting documentation, including a copy of my identity theft report and any relevant information related to the breach.

Please process this request and confirm in writing once these accounts have been blocked and deleted from my credit report.

Thank you for your prompt attention to this matter. 

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

Peace Unto You! 
All three consumer reporting agencies TransUnion, XXXX, and XXXX, as well any and all Consumer Reporting agencies know and unknown illegally reported to and shared directly & indirectly my consumer report. I did not consent to any persons to have access to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the XXXX bureaus. This company has failed to provide me with documented evidence as requested. XXXX shows a late payment in XXXX, Experian reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure why they can't seem to get information correct on anyone 's reports. They get paid by lenders to report " accurate '' info yet they don't! The attached info is incorrect on every level. The account was paid off in full by me in XXXX and closed! They show that I'm " disputing '' the account as being mine which I'm clearly not! I want them to update the account to a {$0.00} balance and show it closed by the consumer because I closed it when I paid it off - period!
Product: Checking or savings account

I opened an advance checking account with HSBC on XXXX XX/XX/2021. 
I followed the link in the marketing landing page for a {$200.00} welcome bonus after certain requirements were met. I made a print out of the page which I used to apply for the account ( attached ). 
Met all of the requirements and the bonus was supposed to post on XX/XX/XXXX. 
I messaged HSBC via online messaging on XX/XX/XXXX to ask why it had not posted and they say I did not follow the correct link to apply for the account. I believe they have made an error as I applied via the " Apply now '' link in the offers landing page.
Product: Debt collection

Mid South Adjustment Company contacted my employer to verify employment, I am actually the office manager so I am the one who took the call, I let them know it was me they were speaking to. They refused to tell me what the call was regarding transferred me to a different department and continued to ask for my address and date of birth, I refused to confirm any of my personal information unless they could tell me what the call was regarding. They would not tell me anything in regards to what type of company they were or why they were calling. I than googled the phone number and came across the article stating they were a debt collecting company and there have been ongoing complaints for harassment. They have not contacted me via my own personal number ever one time, so I find it extremely un professional and violating to contact my place of employment. I would have been more than willing to discuss whatever the matter may have been however they refused to even tell me what the call was even regarding without giving personal information. It is definitely a violation and I do not want this harassment to continue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transaction Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$740.00}