23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Contracted with XXXX XXXX in XXXX, NC regarding the construction of a new home. After speaking with the XXXX sales rep, decided to move forward with their preferred lender due to the incentives. Scheduled an appointment to talk with the lender, XXXX XXXX, with XXXX XXXX on Monday, XX/XX/XXXX. At that time I explained to him that I was looking to apply for a USDA loan and to pay off an installment loan with NC State Employees XXXX XXXX XXXX to improve my XXXX. He said he understood this and would get back to me in XXXX weeks since underwriting was behind. On Monday, XX/XX/XXXX, I learned from my realtor calling me that XXXX XXXX 's manager, XXXX XXXX, completed my file on Friday, XX/XX/XXXX since XXXX was out of office and denied my application. Mr. XXXX called XXXX to inform them I did not qualify, but did not contact me. I learned on Monday from talking with XXXX at XXXX that my application for a FHA loan was denied due to Debt To Income and that they would be putting the home I contracted back on the market. This was in contradiction to what Mr. XXXX and I discussed regarding me paying off my loan and requesting a USDA loan. After calling multiple times, I finally got in touch with Mr. XXXX who informed me that my debt to income was high based on the information my HR submitted on the Verification of Employment. I emailed my HR on Monday afternoon and received a response Tuesday morning that they did not indicate on the VOE the things Mr. XXXX claimed and verified my income and other earnings on an email I CC 'd Mr. XXXX on. Due to OneTrust Homes not verifying the information on my VOE wth my HR and doing their due diligence, I have been unduly denied credit that I believe I would otherwise qualify for which caused me actual damages in losing my home. I have tried several times to rectify this issue with Mr. XXXX, including calling their corporate office. I finally reached him on Tuesday, XX/XX/XXXX in the evening and he said he would re-evaluate my application and get back to me in 3 hours. Two hours later, he texted me saying that he would contact me by noon on Wednesday, XX/XX/XXXX. It is now XXXX XXXX and I have not received any communication from him or his office. I believe I am purposefully being lead around as to allow time for XXXX to sell the home that I contracted to someone else since it has been made clear several times that OneTrust and XXXX are in communication and yet no one is communicating with me. Again, if the manager had any questions about my XXXX, he should have spoken with my HR instead of assuming and denying me credit based on what he believed and not what was verified. Thank you for your time.
Product: Credit card or prepaid card

I have credit cards with several different banks and only have this problem with my Capital One credit cards ( two of mine and one of my wife ). It seems as though more half the time when I go to pay on the card, they claim they have a system problem and that I should try again another time. It happens so often that I think it is a device that might be in use to hope I forget to pay on time. I do eventually get to make my payment online but it is irritating to have to so consistently try multiple times. Could you check this out? Thanks. ( I have been diligent on the retries and have not been penalized. This is a FYI effort )
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian Credit Report dated XX/XX/XXXX, an account from XXXX/XXXX XXXX, acct. XXXX has a fraudulent " Date Opened, '' of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX XXXX XXXX, acct. XXXX, has a " Placed for Collection, '' date of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX is the last report that stated the " Date Opened '' of XX/XX/XXXX. The XXXX  Credit Report dated XX/XX/XXXX has a " Date Opened, '' of XX/XX/XXXX. XXXX  makes it so difficult to get a credit report through the XXXX, that I haven't received a XXXX, or a XXXX credit report yet. 

The original, " Date Opened, '' is XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX/XXXX  XXXX  XXXX  XXXXon account number XXXX for an amount of {$920.00}. 

XXXX/XXXX  has, and is continuing to report an incorrect " Date Opened '' for this account. The dispute from XX/XX/XXXX did not correct the issue of XXXX/XXXX  XXXX  reporting an incorrect " Date Opened, '' and Experian, XXXX, and XXXX  stated that they didn't have to receive and/or process another dispute regarding this fraudulent reporting. 

I am requesting this account be removed from my credit reports from Experian, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has two said accounts reflecting on my credit report in the amounts of {$570.00} & {$520.00} with the original creditor listed as XXXX XXXX XXXX. The said accounts recently appeared on my credit report as an account that was opened in XXXX of XXXX. I have disputed both accounts twice now requesting all identifying information such as a proof of purchase agreement and all originating documents showing that this is a legitimate account that belongs to me but nothing has been provided. Both disputes have come back verified and accurate yet no information was provided for me to verify/confirm as requested.
Product: Money transfer, virtual currency, or money service

( 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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 47 have caused significant inconvenience and financial loss, and I seek appropriate redres. for these violations.
Product: Debt collection

I was notified that I had a balance due on a bank card. I attempted to find out what the status was on the XXXX XXXX XXXX  card XXXX. My credit limit was only XXXX and they say I owe XXXX. The amount of debt they were reporting was not the correct amount, as it far exceeded the credit limit. I had moved and was not aware any balance on the cards. 

I requested for over a year from XXXX XXXX copies of the debt so I could review and resolve the amount owed. During the process XXXX XXXX closed the account and charged it off. They also sold the debt to LVNV Funding who purchased my bank card debt. I have for the last 6 months requested from LVNV  the same detail on the charges on my bank card. LVNV was collecting the charge and then purchased the debt. 

In both cases I have never received any information on the bank card. It is outrageous that neither XXXX  XXXX nor LCNV did not send me the information and now I have charge off, I have an amount that far exceeds what I would have owed and the situation is as bad as it could be. 

Because of this I am unable to rent an apartment or find a job, I have few resources very little recourse. My credit has been significantly affected by this and consequently especially due to the current pandemic I have few options. 

I am asking to resolve the situation with the receipt of information from LVNV with proof of the debt, in detail including all items, debt owed, interest or other charges and for the elimination of the negative reporting by XXXX   XXXX and with LVNV to negotiate a settlement of the correct debt and the elimination of the negative reporting on my credit report.
Product: Checking or savings account

XXXX  online savings accounts were frozen early in XX/XX/2024 which caused a payment to fail to complete with my XXXX  so XXXX  is charging XXXX fees which total {$60.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account ( s ) must be deleted from my credit report as a result of fraud : 1. Identity Theft XXXX XXXX Account Number :  XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

2. Identity Theft XXXX Card Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

3. Identity Theft XXXX Card Account Number : XXXX This account is on my credit report as a result of fraud. I did not apply for this account and it does not belong to me. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Product: Credit card or prepaid card

Hello. I have found several charges on my company 's Bank of America Statements that I believe to be unwarranted. I have tried to contact the bank about this, and they admitted that this was misleading, but due to the time passed, they offered me {$1.00} credit to my account. There are {$730.00} in fees. 
I believe the way the bill is presented to a customer is misleading and causes people to think they do not owe a payment, because the bill sent will show Account Balance as {$0.00} and Amount Owed {$0.00}. Even though I receive these eBills with that, I have been charge interest on charges between when I pay my bill and when the statement closes. The bank said, because I did't make the payment in between, I was charged finance fees for all purchases made during that time. The issue is when a bill is sent it shows that I do not owe anything. It is a company card and we make purchases daily. We also keep a {$0.00} balance to avoid any fees. 

None of these have been due to a late payment or no payment to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted
Product: Vehicle loan or lease

On [ Date of Purchase or Date of Loan Opening ], I entered into an auto loan agreement with BHFC Financial Services Inc.

Since that time, I have experienced numerous problems, including [ briefly describe the issuese.g., incorrect charges, misleading interest rates, misapplied payments, etc. ].

I have a record showing key information about this loan from BHFC Financial Services Inc. ( attached or pasted below ). According to this document : BHFC FINCL SRVS XXXX Original Creditor Company Sold Account Type : Auto Loan Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Account charged off. {$6000.00} written off. {$8300.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$9500.00} Balance Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Paid Off : 27 % Past Due Amount : {$8300.00} {$13000.00}
Product: Debt collection

I contacted CCS collections multiple times via phone and written letter : I made a payment in XX/XX/XXXX ( even though the collection was not mine ) to take off my credit report. The company responded by stating that if I made the payment the collection would be taken off. Currently on my XXXX report it is still showing on my report. This is affecting my ability to obtain new lines of credit and life and need to be taken off. 

Collection Agency : CCS COLLECTIONS Original Creditor Name : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$74.00} Amount : {$0.00} Status Date : XX/XX/XXXX Status : PAID
Product: Credit reporting or other personal consumer reports

Good day, I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to dispute a Goodyear account that appeared to have been fraudulently opened in my name that had been sent to collections and requested an investigation into this account. It is listed as Account Number XXXX on all three of my credit reports ( XXXX, XXXX XXXX, and XXXX ). 

XXXX XXXX XXXX, I received a phone call from someone alleging to be a collections department, stating that I had an outstanding debt from Goodyear. I told the caller that they must have the wrong person, since I have never opened an account from Goodyear. They did not have accurate information about me ( my correct address ) and did not provide any additional information validating the debt, so I thought it was a scam. 

I did not think of this call again until late XX/XX/XXXX, when I started applying for car loans in anticipation of purchasing a new car. At that time, a car dealership told me that I had outstanding debt. On XX/XX/XXXX, I requested my annual credit report and saw that there was an account for Goodyear Tire/CBNA that was opened in my name on XX/XX/XXXX, in which I disputed it. I also saw that from XX/XX/XXXX through XX/XX/XXXX, there were almost XXXX XXXX Inquiries on my credit report that I did not initiate with various financial institutions and co-branded credit cards. It appears that the only account/card that was successfully opened was the Goodyear one on XX/XX/XXXX. 

Further, my credit report listed various addresses and phone numbers associated with me. There are XXXX addresses listed in XXXX, New York and one phone number ( XXXX ) that I do not recognize. All other addresses and phone numbers listed as mine on my credit reports are correct. 

On XX/XX/XXXX, I reached out to Goodyear Credit Card to dispute the account and ask that it be closed. They stated that the account was closed and that any disputes had to be sent to : Citibank Credit Bureau Dispute Unit XXXX XXXX XXXX XXXX XXXX, SD XXXX I have also filed a report with the Federal Trade Commission ( my Identity Theft Report is attached ). 

I received a letter from the Cardmember Services dated XXXX stating that after their investigation and reviewing the information that was provided to them via certified mail, that my information in my credit report was correct. This is not the case.
Product: Payday loan, title loan, or personal loan

Took out a loan with cashnetusa.come after making 2 payment over a 2 payment periods which is every took weeks I notice that my loan payment barely dropped. I contacted the company and they told me it a crewed interested everyday. So a loan if XXXX making them payment would take over a year to pay off making payment of XXXX every two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : XXXXBalance $ XXXX Opened : XX/XX/2013 XXXXBalance $ 4,265.00-Date Opened : XX/XX/2013
Product: Mortgage

I'm trying to find out if we have any compensation going back prior to XXXX when Wells Fargo has to pay out for those they hurt by not allowing them to have a loan modification. It was XXXX when our troubles started- and we worked with Wells Fargo on a loan modification for months and months. All we wanted was a lower finance charge so we could afford to stay in our home of 12 years. We went back and forth with them, with them finally telling us they could only help us if we were in default on our loan ( we had been using credit cards to make our house payments, so we would not default ) They said they could only help us if we were 3 months behind in our payments, so we stopped putting our payments on our credit cards, per Wells Fargo 's advice. 
Then, after the 3 months, they declined to modify our loan AGAIN. 
We had excellent credit, aside from owing the credit cards- but because Wells Fargo lied to us, and reneged on their promise to modify our loan, we lost our home of 12 years. We have never recovered emotionally, nor have we been able to purchase a new home. Wells Fargo ruined our lives as we knew it- with fake promises to modify. But it happened just prior to XXXX what can we do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Debt collection

Good morning, I arrived in the USA in XX/XX/XXXX and I immediately applied for an insurance trough Healthcare.gov ( XXXX  ) but unfortunately I couldn't apply till XX/XX/XXXX. So I decided to renew a traveler health insurance that I had in order to be covered. In XXXX I had an accident ( a XXXX XXXX XXXX  and I went to the Hospital. I gave them all the information about my insurance and I was cured. In XXXX I obtain an insurance with the Healthcare ( XXXX that is my insurance provider ). Few months later I received a bill for the entire amount from the Hospital and I call them several times in order to collect the money from my insurance. I absolutely don't recognize the debt because I was fully covered by an international insurance and I can not be responsible for the hospital accounts receivable.. I'm not a collector. In XX/XX/XXXX I moved to XXXX so probably all the communication arrived in XXXX where I was living a couple of months. I was a credit officer in XXXX and I moved here in USA to have a better future for me and for my family. My credit score was excellent ( XXXX ) and I decided to buy a house because I had finally a good credit score and I was working for an international company for more than one year so I had the requirements to apply for a mortgage at good rates. Yesterday I received a notification ( from XXXX  ) that I had a collection account. My credit score dropped by 83 points to XXXX and it's for a debt that is not due.
Product: Vehicle loan or lease

The account that credit acceptance is reporting is identified as a ''repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please immediately remove this account in its entirety from my credit file. A monthly payment should not exist after a repossession has occurred. They report the account later every month. I no longer have the car. They sold the car at an auction.
Product: Bank account or service

Hi my name is XXXX XXXX. I received a mortgage statement from XXXX XXXX informing us that my father mortgage rates had changed and the new rate take place XXXX XXXX, XXXX. My father has been deceased since XXXX XXXX, XXXX and the house supposedly foreclosed. My mother was told that the house foreclosed. We were living in it at the time until approximately XXXX XXXX, and the mortgage payments came directly out of my father 's account. The house was auction off and we were ordered to leave. This had never happen to us before and I 'm not sure now that our order to leave was valid. ( I was in another state at the time, because I was a contractor who traveled XXXX of the time, and could be away for months or years. I usually handle things like this for my mother XXXX XXXX, but my brother XXXX XXXX had gotten her a lawyer who was supposed to help her. This lawyer charge Thousands of dollars and never did any work or appeared in court as he led them to believe. I do not think this was a real lawyer and do believe he was part of an identity theft group. ) The people who won the auction sold our house XXXX XXXX and have the mortgage still in my deceased father 's name. The name of the company is XXXX XXXX, XXXX who is listed on the property tax documents, also on documents is XXXX XXXX XXXX as owner. During my research this company has several addresses XXXX ; XXXX XXXX is a XXXX XXXX. We would like to sue the company and Wells Fargo for fraud, using my father 's, supposedly closed, mortgage account to cheat us out of our house. XXXX XXXX XXXX has been all over the media for identity theft from their employers. Rep. XXXX XXXX is vs. Wells Fargo. I contacted her office for help, and I was informed to file a complaint with the Consumer Financial Protection Bureau because I was not in the XXXX area. ). Please help!!!! My mother would greatly appreciate you helping us get our rights to ownership and a settlement for stress and distress. Thanks for your time.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to 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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 shall ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.