23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to refinance for the past few months. I recently found a late XXXX on my credit from my mortgage company not allowing me to refinance. I have contacted the mortgage company with no avail. I made a payment for XXXX on XX/XX/XXXX at XXXX. I asked for the late XXXX to be expunged since I made the payment and somewhere in the XXXX it was still XX/XX/XXXX. I asked for goodwill since I have never missed a payment in almost 7 years with this mortgage company and always paid any late fees. My mortgage is up to date and I have roughly XXXX XXXX  equity in the home.
Product: Credit reporting or other personal consumer reports

upon checking my credit report online with experian, I notice that there is a collection a couple of collections reporting in my report. I filed a dispute with experian XXXX XXXX and XXXX letting them know that the information was inaccurate that i have never had an agreement or account with either company but they are still reporting to the credit bureaus. not only have I never had an account with either company, They are also reporting the accounts as open and with a balance. as of XX/XX/2024 XXXX XXXX  is reporting a balance of {$1800.00} on account # XXXX and XXXX XXXX XXXX is reporting a balance of {$880.00} on account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Main credit reporting agencies are reporting false information. 
the following inquiries are being reported fraudulently. 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX  Mortgage Brokers Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX -XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I participated in the COVID relief program from XXXX. Mortgage payment is {$1400.00} monthly. $ XXXX {$16000.00}. In the month of XXXX I entered a mental health/chronic pain facility for 2 months. Upon returning home I discovered that the forbearance period was up and that I owed for XXXX. Unfortunately I was waiting on XXXX insurance to pay out and fell a little more behind. Once I received my back pay I paid my mortgage in the amount of on XX/XX/XXXX in the amount of {$14000.00} to catch up for current months due and pay ahead. I also moved some partial funds to equal another months payment. After that I paid 2 more payments {$1400.00} on XX/XX/XXXX and {$1400.00} on XX/XX/XXXX. At that time I was told my mortgage was paid ahead through XXXX first. In total I paid {$9800.00} which should have covered XXXX. I was advised on 3 different calls that my payments were being applied towards current months and that my credit wouldnt be affected by the forbearance amount and there would be no late fees or charges. During a conversation with Bank of America today I was informed that my home is in danger of foreclosure and that the monies Ive paid were applied towards the forbearance amount of {$18000.00}. ( Not sure why the difference between {$16000.00} which is 12 months of payment and {$18000.00} ). Even with payments made records from BOA show a total amount due of {$19000.00}. My credit score has now plummeted and late fees are high. There are so many discrepancies in amounts and payments applied and the representative did not explain so that it made sense.
Product: Student loan

Mohela continues to make me send them the same paperwork over and over again, representatives assure me online that everything is complete only to find out the next call weeks/months later that some more paperwork is incomplete or needs to be done again. Try to get a hold of a supervisor or senior advisor results in wait times exceeding 3 hours with noo options for call backs or other communication.
Product: Debt collection

I normally check our credit every month because my husbands job depends on our excellent credit.XXXX XXXX never submitted a bill to our insurance company for billing. This was verified by my insurance company. XXXX XXXX submitted the bill to collections and we never received a bill to our home. .They admitted that the prior billing company was negligent. This error on XXXXXXXX XXXX  part has caused our credit to drop 130 points. My husbands job is in jeopardy if this is not resolved ASAP. I have repeatedly reached out to XXXX XXXX  and have documented all communication with them. They have told me that they cant do anything until they get the records from the prior billing company that they have terminated. They said they have nothing that can help me on file, no account number or anything. So we are left at their mercy while they destroy our credit and possibly my husbands employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I payed off an account that was in collections from Macys credit. Since I payed it off with the collections company they sent in the paper work to Macys to clear the account completely. Now that covid-19 has caused a shut down I am unable to get this cleared off of my credit record and this is proventing me from obtaining a mortgage. Could I please have someone look into this situation for me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we initiated a transfer through Venmo for {$1500.00}. That transaction posted to our account on XX/XX/XXXX I noticed on XX/XX/XXXX that our account available balance seem low when I used the ATM. We looked at our online banking on XX/XX/XXXX and there was a hold for an additional {$1500.00} from Venmo. That {$1500.00} posted to our account on XX/XX/XXXX, so we have been charged an additional {$1500.00}. We called Venmo on XX/XX/XXXX and the customer service person said that there was an issue and " the engineers were working on it ''. He said he was unable and unwilling to give us any additional information. It was very unhelpful. My wife called Venmo numerous times today ( XX/XX/XXXX ). After being on hold for 20-30 minutes she was told pretty much the same thing. They were working on the issue. Since that was completely unacceptable she spoke to a supervisor who said that this was an issue that affected numerous customers who made transfers on XX/XX/XXXX. She was helpful but could only say that they were hoping the money could be returned in a few days. My wife expressed her displeasure to the supervisor on the complete lack of communication from the company after Venmo made UNAUTHORIZED transactions from many accounts and did not let anyone know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a XXXX  XXXX XXXX member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other XXXX credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. XXXX XXXX XXXX has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. XXXX  XXXX XXXX turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. XXXX  XXXX XXXX retaliated after I filed a CFPB report about their unfair and deceptive practices. XXXX  XXXX XXXX also contacted Citibank. Citibank told me over a recorded call that they lowered my credit limit by 50 % after XXXX  XXXX XXXX told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. Citibank should not make decisions based on inaccurate, information that XXXX XXXX XXXX has provided them about matters between myself and XXXX XXXX XXXX which has nothing do with my Citibank accounts. Citibank needs to put my credit limit back to its original limit as I have never made a late payment with Citibank. XXXX  XXXX XXXX reported to XXXX that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

JPMCB inserted inaccurate information on my credit report. JPMCB has filed a 1099 C with the IRS which indicates the debt was charged off and the cancelled debt on JPMCB tax return is labeled as taxable income. The debt is listed as charged off on my credit report. Income can not be reported on a credit report. Please delete the inaccurate account before I notify the proper authorities such as the IRS, FTC, FDIC, and any other regulatory agency who will ensure enforcement will be taken to rectify the issue.
Product: Credit reporting or other personal consumer reports

This company gave me a XXXX pre approval letter I received an offer and purchase agreements and then denied me.
Product: Credit card or prepaid card

I opened a shell fuel rewards card by Citibank in XXXX of XXXX. Since my first statement I have contacted the credit card company at least once a month to get a statement that reflects the discounts and rebates. It has been promised to me by XXXX to have this issue resolved in XX/XX/2021 to date nothing has been resolved. I continually have to call and follow up with different people that do nothing but promise they will fix the issue. It is now 6 months later and I can not get them to provide me with any accurate statement. What I am told is it is showing on their end - that does nothing for me I really do not care about what they can see I need an accurate bill. They were supposed to send me copies of all my statements with the details I have never received any statements except for the monthly statement that is not accurate displaying the discounts and rebates. I asked for them to call me back and was told they do not do outbound calls. To make this even more frustrating I have paid every bill on time with auto pay in full- they can take my money but will not provide appropriate back up for the bills. I have every bill and can provide all information if necessary plus the messages I have sent in their mobile app- where they basically blow me off once again. To me this is clearly switch and bait. I simply want an accurate statement displaying my discounts and rewards from every transaction from inception of this credit card. In my opinion they clearly have no intention of providing it. I need help in getting this information ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Mortgage is foreclosed on but yet they continue sending invoices and placing default claims on my credit record
Product: Mortgage

We refinanced our VA loan, The Money Source purchaced the note. We then changed insurance companies, these are things that should be no big deal. But The Money Source 1 ) overpaid insurance company approximatly {$700.00}, and said we were approximatly {$2400.00} in arrears to the escrow account. We called upon recieving the information when we logged in to make the mortgage payment. They told us that it was due to insurance and taxes. We made an extra {$1200.00} payment to help, and now we owe {$2600.00} ( approximatly ). We called back and asked for explinations, got the run around and they finally admitted to overpaying the insurance. ( 2 ) The Money Source still shows us with a {$0.00} balance in escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

TOYOTA MOTOR CREDIT On XXXX 2021 the company reported to the bureau 30 days late payment on the 3 bureau and the information not showing correctly on my report.
Product: Credit reporting or other personal consumer reports

I have reached out to Lexis Nexis to have public records removed and deleted from my credit file. I have no gotten a response and feel as though Lexis Nexis didnt properly investigate my situation abd ignored my letter ( s ). I have contacted the courts and their response is enclosed/uploaded. They do not report to any credit bureau, so tge reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681 ) abd must be removed and deleted immediately.
Product: Checking or savings account

I have an account with Albert bank. They have a program to automatically withdraw funds from my normal bank account ( XXXX XXXX XXXX ) and set it aside in savings. I had to wait over a week to even be able to access the full amount of funds they withdrew from my account, their FAQ tells me this os due to the amount of time it took to make the external transfer, although my bank account certainly had had the funds removed the day the transaction was initiated. When I finally saw they had completed their end of things and that I had the funds there in my Albert savings account, I went to withdraw the money ( {$310.00} ) and the best option was to have it put onto my Albert checking account card. After withdrawing the money, both the checking account and savings account showed a {$0.00} despite saying that it would be instant in my checking account. This was yesterday. I have not been able to get a hold of anyone, as they do not offer live customer support agents to speak with. Additionally, on the phone number they offer you to call and get customer support instructions, the instructions are not accurate. There is no option that they have described on the app. They have stolen over {$300.00} from me, and have given me no form of recourse or path of resolution for this. I need that money now. I want this company to be penalized to the highest extent possible and I obviously want my money back.
Product: Credit card or prepaid card

I applied for American Express Gold Delta SkyMiles card on XX/XX/XXXX. I applied under company advertise saying XXXX delta airlines bonus which was published online and also advertised in XXXX flight. I applied and was approved and received my card in 2 weeks. Card required me to use > XXXX $ in first 3 months to receive bonus miles. I actually used > XXXX in first 2 months and did not receive bonus miles. WHen I called American express company, I was told, ' We do n't guarantee bonus miles to everyone and give the bonus on the case by case basis. I applied for this card back in XX/XX/XXXX but I cancelled the card before I received it and never received the card. I had never owned gold delta card before, never used it before and have never received any bonus miles on this card. However, American express company is denying to offer me bonus miles ( XXXX, which is worth about XXXX to XXXX $ travel ). When I called and requested to talk to their supervisor, they hung up the phone on me and on calling again on waiting for 50 minutes on phone, they are not connecting my call anywhere so I can talk to anyone. I am not sure what I can do at this point.
Product: Checking or savings account

I was trying to link my PNC account to XXXX XXXX and it wouldnt allow
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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$43.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to supply the REQUIRED documents for account # XXXX. 
Ive requested the legal notices that were sent to me as proof of the date and time of the resell also XXXX refused to send legal copies showing the amount they received after the sale XXXX has not provide copies of the legal notices for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX account # XXXX Reporting inaccurate information on my credit report, I HIGHLIGHTED all inaccurate parts of the report.
Product: Debt collection

Private loan included in bankruptcy in 2013 as shown on my credit report with Discover Student Loans. I receive up to 10 calls a day from these two numbers XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My XXXX XXXX numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Hard Inquires XXXX XXXX   XX/XX/2020 Equifax XXXX XXXX XXXX XXXX XX/XX/2020 XXXX   XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax XXXXXXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 Equifax XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  EQUIFAX XXXX Miscellaneous XX/XX/2020 TransUnion If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit card

On XX/XX/year> XXXX inquires on my credit were completed by Capital One. One inquiry was tied to an address in Utah, while another was tied to an address in Virginia. It appears as though the application to VA fell through, as there are no other records indicating an open line of credit. On the other hand, the inquiry from Capital One in Utah did go through and a line of credit was opened in my ( maiden ) name, current address, email, and an unknown phone number. The card has been active since at least XX/XX/year> because there are records of a paid statement dated at the end of XX/XX/year>. Additionally, on XX/XX/year>, someone attempted to open a credit card with XXXX. I recieved an automated text and email thanking me for opening an account with the company. I believed the text to be a scam, so I did not click on any links or reply. When I checked my email, I was able to verify that the email was sent from a verified/secure email account affiliated with XXXX. I called XXXX and reported the account as fraudulent, and they successfully closed the account. Following that phone call, I created an account with XXXX and reported the fraudulent activity and froze my credit. Today, XX/XX/year>, I called my banking institution to check activity on my account, and confirmed that no suspicious activity was found. I will be following up with Capital one today to ensure the accounts have been closed and dealt with
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX XXXX sent a letter saying there are wrong, unknown items, FCRA violating, and damaging things on my credit report. It has been well over 30 days later I have not received a response yet even though I have called and mailed reported documents. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been well over 30 days and every proof needed to sustain deletion has been provided so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and am requesting the blocking and deletion of certain unauthorized accounts and inquiries that have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights under these federal protections and formally request the immediate removal of the following unauthorized items : Unauthorized Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXT Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Unauthorized Inquiries : XXXX. XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries ) XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX & XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries ) XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Dates : XX/XX/XXXX ( XXXX inquiries )
Product: Credit reporting or other personal consumer reports

I looked at my credit report and found fraudulent accounts on my report. It is affecting my ability to obtain credit.
Product: Checking or savings account

A hold was applied to my account on XX/XX/year>. I called the Wells Fargo bank on XX/XX/year> and they told me that I am supposed to sign a form. 
I did NOT receive any notice about this signing a form from the bank. 
I received and signed the forms and submitted them on XX/XX/year>. I have about {$16000.00} in my account that is blocked. All my scheduled direct deposits, money transfers, mortgage payments and bill payments are pending.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
Account name : XXXX XXXXXXXX # XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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