23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I filed for chapter XXXX bankruptcy and reaffirmed my US Bank Mortgages ( 1st and 2nd ). I have had my mortgages with US Bank since XX/XX/XXXX and have made all payments on time. I recently checked my credit reports and there is no record of either of my mortgages on any of the three major credit bureau reports. I contacted US Bank in XX/XX/XXXX to have them add this information back to my credit reports. They informed me that they were unable to do that and I would need to contact each credit reporting agency to have the mortgages re-added. On XX/XX/XXXX they send me my entire payment history by mail so I could provide this to the credit reporting agencies. Once i received the documentation I reached out to the three credit reporting agencies and was told by all three that I was unable to add this information to my credit reports and only US Bank would be able to add this information to my credit reports. I contacted US Bank on XX/XX/XXXX and informed them of this. They informed me they would have someone contact me to resolve this within 3 to 5 business days. I never received a phone call or any contact from US Bank. I contacted them again on XX/XX/XXXX and was told that since i filed a bankruptcy that it is US Bank 's policy to remove the mortgages from my credit reports and they will not report any payment history going forward unless i refinance my mortgage. I feel that this is an unfair policy which targets individuals that are going through bankruptcy even when the debt is reaffirmed ... .which is what i did. I have made ever single payment to US Bank on time and would like my credit reports to reflect this and would like my mortgage payments to be continue to be reported to the credit reporting agencies in the future as well.
Product: Debt collection

The debt collector is trying to collect more than what is owed by charging daily interest to the balance owed and reporting it on my credit report. The initial payment has increased over 300 dollars from the original debt amount.
Product: Credit card

It is XXXX  ridiculous to see late payments recorded on XXXX XXXX  when I have consistently made XXXX payments without XXXX  history of being XXXX. I firmly insist that you correct XXXX XXXX  to accurately depict my payment history.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the presence of fraudulent accounts. As a victim of the XXXX XXXXXXXX data breach, my personal information was utilized to create these unauthorized accounts. Kindly remove them as they are adversely affecting my creditworthiness.
Product: Debt collection

I have made a payment to Barclays Bank in accordance to UCC 3-603, UCC 3-111 , UCC 3-311. They received the payment on XX/XX/22 via Certified Mail.
Product: Checking or savings account

On XX/XX/2022, opened new checking and savings account in response to {$300.00} bonus offer for {$5000.00} direct deposits. Having met the direct deposit condition on XX/XX/2022 and waited the required payout time, contacted company on XX/XX/2022, and was informed I did not qualify since I had a previous bonus for a Sofi XXXX account. However, I presented the screenshot of the terms at the time of account opening which did not preclude this during a chat session. Agent informs me the terms had not changed but I provided evidence that the terms were changed when the company extended the bonus offer on XX/XX/2022. Because my account was opened under the attached terms, my eligibility remains valid and I ask CFPB to enforce the {$300.00} bonus payment.
Product: Mortgage

I purchased my home of XX/XX/XXXX for XXXX. 
I had paid faithfully until my divorce in XXXX. 
I had to do a streamline refinance I paid that for 12 years and then we did a refinance because the JP Morgan Chase claimed that I was in bankruptcy and they were going to take my repossess my home if I didn't pay them {$52000.00} which was when I owed. 
As a XXXX XXXX  I didn't have {$52000.00} laying around so after they tacked on fees and lawyers and etc. etc. it went up to {$160000.00}. 
This was in XX/XX/XXXX they claimed that they couldn't find the streamline refinance so to them the house was never paid. 
I've been paying for this house over 33 years and I still owe XXXX this is ridiculous. They sold the loan again for {$150000.00} a couple years back so I have been paying for a home that was fairly cheap at this point I've paid almost 5 times for the banks. mistakes
Product: Mortgage

I applied for a HELOC with SunTrust bank. After vetting, they told me the basic approval terms and rates I was approved for with the HELOC. They asked me to show up to close and sign which takes " about ten minutes. '' I asked that they email me the loan documents so I could review the terms of the HELOC in detail before signing. They refused to send me the loan documents even a few hours ahead of closing. Instead, their policy is that you are supposed to sign the loan documents without seeing them ahead of time, but they verbally promise you that you can back out within 3 days of signature. They were expecting me to " sign blind '' and then try to figure out what I had just signed. 

The problems with this are at least 1 ) this gives me no opportunity to negotiate ahead of time if I find terms I don't like, 2 ) I have to just trust their verbal promise that I will be able to back out if I want, even though I have definitely signed something, 3 ) Even three days after is too short a time for most contract attorneys I might ask to review it for me, meanwhile the clock is ticking and I have already signed it, 4 ) I am given lower interest rates if I take out certain amounts of money AT CLOSING, i.e. I  get lower rates if I sign blind and take out money immediately without having an attorney review, etc. 

This practice seems unethical, highly likely to " trap '' people that don't understand the terms, and I don't understand if it is legal, or why it would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Mr. Cooper since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as XXXX   does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from Mr. Cooper that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.
Product: Mortgage

I just ended my 1 year COVID mortgage relief program with us bank. I was told that I would receive a lower monthly payment and a lower interest rate. And most importantly I would have one month before I have to make my first payment on XX/XX/XXXX, XXXX. I called twice in XXXX on the XXXX and and on the XXXX and I was told twice that I do not have to make a payment until XX/XX/2022. I requested that they send me that in writing and they said they couldnt send in email so just wait for a letter that never came. I receive no confirmation that my payments will be lowered and my first payment will be on XX/XX/2022. I called to check in and they now say that my payment is so on XX/XX/2022. They said they have no records saying that I can make a payment on XX/XX/XXXX and all of my payments options still reflect my original mortgage payment and not the new lowered mortgage payment that we agreed upon. I feel misled and lied too from this corporation.
Product: Credit reporting or other personal consumer reports

This is my second complaint to CFPB in regards to Eqifax NOT updating the report to show a XXXX balance on an account that was paid in full. As of today, XX/XX/year> they are still showing that I owe the creditor XXXX which is false and inaccurate information. I demand that they update the report with accurate information concerning this account. All documents supporting the proof of payment, is attached to this 2nd complaint.
Product: Mortgage

I became ill and was hospitalized, I requested a modification and never received one, there was a sale scheduled, and I was advised to file XXXX XXXX XXXX, and usually they will agree to a modification. That didn't happen. I find myself XXXX and am still trying to get a modification. They continue to ask for more recently dated documents, but there has been no movement.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Number : XXXX
Product: Mortgage

Wells Fargo was unable to appraise the property I am purchasing in time to meet my closing & was unresponsive and ineffective in resolving the issue. I went under contract to buy a property XX/XX/XXXX. I chose Wells Fargo because they said they could meet my closing date of XX/XX/XXXX & would schedule an appraise that day to expedite the process. The appraisal was never scheduled. Wells ordered appraisals through a 3rd party and refused to follow up and resolve the issue when the appraisal companies canceled and failed to meet their obligations ( they would simply tell me the status listed in the system rather than actually checking with the company ). Finally it was too late to move to another bank and still make the closing date, which will likely result in losing my deal and therefore the thousands of dollars I have invested in inspections, title search, attorney fees, etc., not to mention losing a unique property that I will not be able to find a substitution for. Throughout the process, I have made many phone calls that were unanswered ( and voicemails not returned ) and hit frustration after frustration as Wells ' only response has been " it's out of our hands. '' This also impacts my credit report as a credit inquiry I should not have made.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.
Product: Credit card

I would like to file a complaint on American Express Credit card services. I have the blue sky miles card. I signed up and had an introductory rate of 0 % for 15 months. My interest rate is now 17 % and I 'm being charged this interest. I have submitted the request for SCRA benefits over XXXX times and have had no results from doing so. I 'm currently on XXXX in the XXXX. Someone from the SCRA department over at american express contacted me and told me I was n't eligible for the reduced interest rate under the SCRA and that they already credited my account all interest charges back but once I continued using the card it went back up to the cardmember APR. I know that this is n't by the law and should at least be by the mandated 6 % for active duty service members. I was told that they would n't do anything for the XXXX or any interest charges. I 'm also XXXX soon and they did n't regard any of that. Finally, I 'm still on XXXX and need this adjusted I 've submitted these requests more than once. I 've since racked up over {$300.00} interest. I 'm considering suing American Express over this issue
Product: Credit card or prepaid card

I have tried twice to send you this complaint and finally earlier today had a test complaint go through. 
I feel i have been scammed by Wells Fargo Bank. On XXXX XXXX someone used my Wells Fargo visa card to deposit {$6500.00} in a small business checking account my brother and I share. Then a man called me claiming to be from XXXX and said that XXXX owed me {$400.00} and in error he had deposited {$6500.00} in my account. He wanted me to go to XXXX and get {$6000.00} in gift cards. I did not fall for this scam. I reported this to the Wells Fargo Fraud Division and was told to do nothing until they investigated. I did move the {$6500.00} into my personal checking account as we did not wish to comingle funds. I was out of the country for 3 weeks and when I returned, I had a letter from the bank saying that I either made the deposit or someone who one was authorized to use the card made the deposit. No one was authorized to use the card. then I received a bill not only for the {$6500.00} but with added fees and interest. 
From XXXX until XXXX, I called the Fraud Division of Wells Fargo asking how this investigation was conducted, who the authorized user of my credit card is and that the interest and fees on my bill be voided as I had followed their instructions about not paying the {$6500.00}. On each call I was transferred to four to six people, none of whom seemed to know what to do but all told me not to pay anything until the matter was resolved.. Finally in XXXX i got another letter again saying either I or an authorized user was responsible for the {$6500.00} transfer. No questions were answered. I now supposedly owe over {$800.00} in fees and interest. I recently paid the {$6500.00} but nothing else.
Product: Debt collection

A credit card was fraudulently opened in my name around XX/XX/2016 and charged up to XXXX. I was not made aware until I checked my XX/XX/XXXX credit report due to the credit breach. I notified the current account owner XXXX XXXX XXXX  XXXX. who received my police report and agreed to delete the account from my credit profiles. The account was later sold to Portfolio Recovery Associates, LLC who then began re-reporting the account. I have been harassed for over two years by this company who keeps giving me conflicting information. Due to my information being apart of the data breach XXXX has recently removed the collection but Portfolio Recovery is still reporting to the other bureaus and refuse to remove all account history no matter what. I would like this to be resolved before I am forced to proceed with legal action due to the negative affect this has caused in my home purchasing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX  consumer as a " charge off '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported us to for being more than 30 days late, but we have NEVER been late with our payment. This has affected our credit score.

I have made 3 phone calls and 3 emails to them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$3800.00} on the XXXX  XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX and Equifax that I was a victim of identity theft. XXXX and Equifax are failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I need them to be held accountable & have the this account blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Experian and XXXX a letter asking the method used to retrieve a bankruptcy they are erroneously reporting on my credit report. They never responded. 

I went directly to XXXX to dispute the item in question and XXXX could not verify this item so they deleted it from their database. 

By way of this complaint, I am again reaching out to Experian and XXXX to show them the deleted bankruptcy from XXXX and informing them that if they can not reveal how they truly verified this item then it needs to be deleted according to the FCRA. Refusal to delete this item is impeding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it cant be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to show accurate information on my report. Remove inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all 3 bureaus, XXXX and XXXX has removed with the same documentation I am requesting Experian to use. Experian has received over 10 disputes from me concerning this. 3 bankruptcies that do Not belong to me are on my report, I have verified with the Bankruptcy court directly who advises they have investigated and the bankruptcies belong to someone with the same name and similar DOB. I have also obtained documentation from XXXX XXXX the 3rd party information provider for Experian who has provided me with a letter stating they have investigated and determined these aren't my bankruptcy and have deleted from there records. I will point out several accounts which did not belong to me and said in the notes resolved in a chapter XXXX bankruptcy were removed by experian, My question if those accounts, the address and name variations were removed and determined not to be mine, why not removed the bankruptcies. Also the name of the debitor is wrong and appears as 'Us Bankruptcy Court XXXX '' No such court or enity exists ( XXXX is a town in New York , But no court exists there this is false and misleading and not in compliance with the FCRA and should be deleted solely on that as it contains inaccurate information.