23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from SeedFi. They changed companies that serviced them. They went from XXXX XXXX XXXX  to XXXX. Instead of showing transferred or closed from XXXX XXXXXXXX XXXX, it still shows as active. I paid off my loan in XXXX of 2023 and XXXX reported it correctly as closed. But the XXXX XXXXXXXX XXXX still shows as active on XXXX. I called SeedFi and they stated they couldnt help me because XXXX services the loan and I called XXXX to help and they stated that they couldnt help me because they reported correctly and its XXXX XXXX XXXX issue and that I needed to call SeedFi. I then took the initiative to reach out to XXXX XXXXXXXX XXXX the last week of XXXX and they were to call me back within XXXXXXXX XXXX and never received a call back.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, somebody opened a dispute against my Experian credit report. I did not open this dispute. I was actually on vacation at the time. Later that same day, Experian settled the dispute. Which is suspiciously fast. My credit score was lowered. I have contacted Experian twice asking for more information. I've gotten the runaround each time. I have contacted Experian twice asking them to remove the dispute and restore my credit score. These requests have been ignored. A previously submitted CFPB complaint did not address this issue in any way.
Product: Mortgage

I have been contacting my mortgage loan company, LoanCare, since XXXX XXXX in order to get my house taxes adjusted to the correct amount. I have sent my loan company my correct tax information multiple times, called and emailed to follow-up on the resolution. It is XXXX XXXX and they have yet to resolve my issue. They do not respond to complaints sent via their website. I have now been emailing them but they are not getting back to me within the time frame they say they will resolve the matter. It has been far too long, and I need resolution so that I do not have to come out of pocket again when the tax bill arrives.
Product: Credit reporting or other personal consumer reports

XXXX  I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.
Product: Credit reporting or other personal consumer reports

Falsely reported bankruptcy that IS NOT MINE and I am getting NO ASSISTANCE or information on where they are getting this information and only reported by this institution
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$850.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX  XXXX Balance Owed : {$340.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Round Point is my current Mortgage servicer. In the spring of XXXX, I think XXXX, I was contacted that my Mortgage escrow was too high and they lowered my payment by {$73.00}. Apparently they failed to notify me for quite a while as they had to send me a check for roughly {$1000.00} as my escrow balance was too high. My Mortgage is on an automatic bill pay so I don't worry about the payment. On XX/XX/XXXX I received a phone call from someone saying they were Round Point and they wanted all kinds of info over the phone. I said I was not comfortable with that so we Hung up. With in 10 minutes I located an old mortgage statement to verify the phone number and called them back. They were after me for {$100.00} in late fees. I told them there had to be a mistake as it is automatically paid. Then after digging a little deeper they informed me that my escrow account had gone up starting in the month of XX/XX/XXXX and my payment was {$90.00} short. They considered every payment made from that point forward late even though my original payment was made on time. Apparently this went on until my phone call on XXXX XXXX. I was never notified of the change or I would have made the change. The money is not the problem. The communication is the problem. They considered each payment made on time {$90.00} short and assessed a {$35.00} late fee each month. On the XXXX when I received the call they said I had to pay them {$490.00} by the XXXX or I would be late again, even when my regular payment was already there. They told me my only option was to overnight the money or give them my bank account and routing information to get the money directly out of my account. I did not want to do that but did to get the issue resolved. They reported me late to the credit agencies for a late mortgage. I feel this not at all fair, highly unethical and probably fraudulent. I want my credit repaired with no mortgage lates as I was not late. I was not notified of the change in escrow amount. How can they change the escrow amount 2 times in one year? Why did it take them 4 months to call me with the change when they saw my payment hit them every month on time, but only short the amount of the escrow change. I have never been late on a payment in my life and now as a result my credit has dropped significantly and I will most likely get higher rates on my credit cards as well as my auto and home owners insurance will go up as a result of the poor credit. My credit has been above XXXX for as long as I can remember checking it and now it has cratered as a result of this screwup. I just want my credit unchanged from this unethical reporting on their part. Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three agencies ( Experian, XXXX, and XXXX ), are reporting inaccurate information on my reporting accounts that I disputed and mailed on XX/XX/2023, and in pursuant to FDCPA & FCRA Section 15 USC 1681 ( a ) ( b ) USC 6802 ( b ). I want these inaccurate accounts deleted immediately from my reports. XXXX Collections ( XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX Closed accounts of ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I CONTACTED THE COLLECTION AND CREDIT BUREAUS ABOUT THE SITUATION AND THEY DID NOT DO PROPER INVESTIGATIONS OF ALL OF THE CREDIT BUREAUS XXXX, XXXX, TRANSUNION, AND XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite our previous correspondence, it appears that the fraudulent items have not yet been removed, and the issue remains unresolved. This situation is deeply concerning and requires immediate attention to prevent any further damage or financial loss. 

As I have emphasized before, the presence of these fraudulent items not only compromises the security of my account but also undermines the trust and confidence I have in our business relationship. 

I urge you to take swift and decisive action to remove the fraudulent items from my account without any further delay. Additionally, I request that you provide me with a detailed update on the steps being taken to investigate the source of these unauthorized charges and prevent similar incidents from occurring in the future. 

Given the sensitive nature of this matter, I expect a prompt response and resolution from your end. Please prioritize this issue and ensure that it is handled with the utmost urgency and professionalism. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A week ago on XX/XX/XXXX, I was scammed by a user on the social media site XXXX. After unsuccessfully attempting to buy concert tickets the user claimed they were going to refund me the amount. After waiting for my refund and receiving nothing on XX/XX/XXXX the user told me I needed to deposit a cashier 's check for {$2500.00} into my bank account from their cousin so that they could pay me. I was to deposit the check and transfer the rest of the money to them. I voiced my discomfort with the transaction and the user began pressuring me by claiming that the money was for their rent and to feed their kids. After depositing I forwarded them the money on XX/XX/XXXX and told them I would not help them again. A few hours later the user sent me a message that a XXXX check was " accidentally '' sent to me by their cousin and that I would need to send them that money. I once again retaliated saying I was not comfortable and that they needed to reverse the charge and send the money elsewhere. The user pressured me again saying that their car had broken down and had no food and needed the money. They texted and called my phone repeatedly. Due to the pressure of the constant texts and calls I sent them the money again in hopes that they'd leave me alone. Late on XX/XX/XXXX, I received an email correspondence from Wells Fargo that the checks bounced due to being fraudulent and that the money from the checks was charged back to my account. I only had {$200.00} in the account at the time so my account ended up negative {$2700.00}. Upon seeing this email I blocked the user. When I tried to call Wells Fargo to file a claim on XX/XX/XXXX I was notified that their debit fraud office was closed for the weekend, even though their business credit fraud office was open. I then began receiving threatening calls and texts from the user 's " cousin. '' They accused me of stealing their money, threatened to track me down personally, and harassed me repeatedly over the course of the weekend. I told them I was reporting them for fraud and they blocked me on everything. After filing my claim with Wells Fargo on XX/XX/XXXX, I was told it would take XXXX business days to resolve. After 2 days I called to receive an update on my fraud claim and they notified me that it had been denied but was still being investigated. The second check that they had me deposit then bounced and was charged to my account, leaving me negative {$5700.00}. They told me that although I informed them that I was being threatened and harassed that they are not liable for the scam and that I would have to pay that money back to Wells Fargo. I informed them that I am living paycheck to paycheck and can not afford to pay that money back and they have reiterated that they are not liable and I will be sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

My Credit Reports are showing addresses associated with my father who passed away years ago who used my credit and I have sent death certificates and notices requesting they be removed. This issue is attaching debt that doesn't belong to me to my report. 

My only Name should be XXXX XXXX XXXX XXXX date of birth XX/XX/year> ONLY ADDRESS in years XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ONLY Phone number for 11 year ( XXXX ) XXXX Please Remove the following names, addresses and phone numbers Names XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX
Product: Mortgage

I have a loan through CapitalOne for a home mortgage in CA, which I entered into in XX/XX/XXXX. I became long-term unemployed in XX/XX/XXXX. When I requested that a loan modification be done, and work to create a relief plan, CapitalOne and it 's associated acted in may ways that were in violation of the CA Homeowners Bill of Rights, including dual tracking me and failing to provide a single point of contact during the modification discussion. Further, CapitalOne refused my request to use a different index than XXXX for the APR of my mortgage. XXXX is a known fraudulent index which has been widely reported to have been knowingly manipulated by banks and there have been many federal, state and international fines and penalties associated with the " rigging '' of the XXXX rate.
Product: Vehicle loan or lease

Wells Fargo was recently ordered to pay consumers XXXX XXXX in a class action lawsuit. I believe that I might be part of that settlement. I had a vehicle at that time that was financed thru Wells Fargo. Below I have listed my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX I had a car loan for a XXXX XXXX XXXX XXXX. My car note and insurance was financed thru Wells Fargo.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023 I filed a complaint with the CFPB requesting XXXX XXXX to validate a debt they are reporting on my credit. On or about XX/XX/2023, XXXX XXXX XXXX responded that they were not able to validate the debt so they are going to terminate collection actions and notify the credit bureaus to delete tradeline. However, it's been 60days since and Equifax has not deleted the tradelines. Their actions is causing me pain and suffering and violating my rights. I am considering a lawsuit if tradeline is not deleted in 7days from receiving this complaint.
Product: Credit card or prepaid card

On XX/XX/XXXX, I left my card at a XXXX XXXX gas station while purchasing gas. Since I was driving out of town, It took me an hour or two until I realized my card was not in my possession. I then immediately called the card member service and reported my card as lost/stolen. There was one unauthorized charge for the amount of {$3100.00} from XXXX XXXX   on my credit card. The fraud agent on the phone flagged that charge as fraudulent, told me I am not going to be held liable for this charge, ordered a new card to be sent out, and informed me of a declaration of fraud letter which I might receive in the mail that I'd have to sign and send back. Everything was good until I saw the charge got posted back into my account on XX/XX/XXXX. I immediately called the card member service fraud department to see what is going on, and I was told this is a mistake, it has posted onto my new card, since when I declared the charge as unauthorized, it was still pending, and that I will receive a credit back onto my account within 10 business days. I waited, and waited, and saw no credit on my account. Called the fraud department again after the 10 days waiting period was over, they told me they are going to request the credit to be issued back onto my card asap, and that this will happen on the next business day. I waited for another few days and still no credit for this fraudulent charge on my account ... I am tired of having to call every few days, hearing false promises, and then getting disappointed again. Please fix the issue.
Product: Checking or savings account

Truist arbitrarily placed a fraud flag on my account without alerting me. As a result, I can not make payments or withdraw cash using this account. In effect, they are stealing my money. Apparently, this hold on the account has been in place for weeks. They have been taking days to remove the fraud alert and meanwhile the account is " closed for posting ''. I have spent hours between phone calls, branch visits and online chats trying to resolve this without success. They keep telling me that they reached out to someone to ask them to remove the fraud alert. It's been days and they haven't removed it. Additionally, they owed me a {$500.00} promotional bonus that they have not paid me because the account was closed for posting. Fix these things now. This is a crooked organization run by criminals. We need accountability here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only XX/XX/2018 i upgraded my Equifax membership with the Equifax 3 Bureau Credit Report and Score which is offered on the equifax website. 

I noticed with this 3 Bureau Credit Report and score, both my Equifax and XXXX did not generate my current credit card although it was reported and both showed a much lower credit score Equifax went from XXXX to XXXX although i have no negative accounts or late payments. 

I called Equifax on XX/XX/2018 when i was made aware of this. I was also told there was a glitch, I noticed Equifax was reporting a fake score for both Equifax, XXXX and XXXX   and i made the employees and supervisors aware of this. 

During the week of XX/XX/2018 i was told the errors would be corrected and updated in a in 2 - 3 days, so i waited and nothing happened.

I Called back again on XX/XX/2018 and was told by Equifax they are aware of this credit score and reporting glitch and they are working on it and it would be fixed by XX/XX/2018. 

Instead of calling back on XX/XX/2018 i waited until Tuesday XX/XX/2018 to try and get an accurate credit score and report, and was told they are still working on it by a supervisor and was told this glitch would be fixed on XX/XX/2018. 

So i waited a few extra days to call back and made another phone call on XX/XX/2018 and spoke with an Equifax employee and was told they are still working on the credit score and report glitch, this employee told me i will need to wait 7-10 additional days for this error to be corrected, i told this employee i have been waiting on a fix to this fake credit score since XX/XX/2018, this employee responded sorry sir there's nothing i could do about it. so i asked to speak to a supervisor, the Equifax responded he will tell you the samething. 


Finally after 15 mins of being on hold on XX/XX/2018 i was transferred to a very rude, nasty, and disgusting Male Supervisor by the name of XXXX, very trashy and dismissive attitude, I tired to tell this supervisor the problem, but he kept cutting me off and talking over me, finally when he allowed me to get a word in, I told him this has been going on for weeks and nobody has solved the issue and everyone is telling me the same. 

Supervisor XXXX responded it will take 7 - 10 days to solve this problem, i explained that i received similar reply 's weeks ago and nothing has happened. This supervisor started to become rude and nasty, telling me i need to hangup, why am i still on the phone etc ... They way he responded didn't seem real. it was shocking! 

and as of XX/XX/2018 Equifax is still displaying fake credit scores.
Product: Credit card or prepaid card

My friends and I were visitng  XXXX  and purchased gemstones from a jewler on  XX/XX/XXXX  and  XXXX  2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of  XXXX . We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by  XXXX  to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Capital One ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. Copy of correspondence with the bank is enclosed.
Product: Mortgage

Application for pre-approval started on XX/XX/2016..I was approved and loan application was started with AmeriSave. A few weeks later I received disclosure and I noticed a figure of {$2500.00} " other income '' was shown.I explained at the time I want due to inherit stock but I did not have it in my possession yet.Underwriter has delayed processing and asked about this other income.Loan officer went back and " faked '' my income from Social Security to satisfy underwriter.Meanwhile I have submitted bank statements, tax returns, documents 2 and 3 times.These are shuffled back and forth between 2 officers and the underwriter..Closing was set for XXXX XXXX and has not happened.Has been delayed because they did not request HOA documents from condo assoc.I had to call and request that they be sent. They informed me they never received a request from AmeriSave.Loan application has been bogged down and delayed because they do not provide detailed info of what they need.As of XXXX XXXX they should have all the documents they need to move on to closing.It is not happening.Loan officer left on vacation and the other one no longer answers e-mails.Title co. and real estate agent try every day to get an update and get this loan to closing without anymore delays.All request are ignored.