23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have noticed that there are still inaccurate accounts from my credit report. I have no idea why this is happening to me so please check the documents I've included in this.
Product: Mortgage

I refinanced my loan in XXXX 2020. 
The first three house payments went through my bank with online banking, no hitch.

The next SIX payments, ( I'm sure soon be seven ) are RETURNED/Cancelled by LoanDepot. 
My bank has assured me it is something on their end that has changed. I received a letter dated XXXX that a new payment address as well as a new loan number was issued. Although my banks default with payment address reads that " they would know about a payment address change before I did, I dutifully called and doublechecked the payment was being sent to the XXXX XXXX, N.J. address. I have spent HOURS on the phone with customer serv. reps that can not help me. I have begged for a supervisor ( s ) to help. The first two times it happened I was assured that everything had been corrected and the problem had been rectified. Not only has it not been rectified, its getting worse. I am in some horrible customer service gerbil wheel that is a series of being put on hold for unreasonable amounts of time only to be transferred ( if it goes through ) for more holding. 
I have begged for supervisors. No one seems to be able to help. In the meantime I'm getting robot calls to call them immediately as my account is past due. All to do it over again. Its bordering on harassment as the customer service department serves as a collection agency. Please CAN YOU HELP ME. I've attached the banking records. 
I've been told I am not the only one that has had this problem from a couple of the customer reps. 
Wouldn't you think with all the recorded conversations and the company returning my checks someone would know what to do. Worse customer service EVER. They know of not one other division I might contact, or so they say.
Product: Credit card or prepaid card

On XX/XX/2023 I have bought a microwave from XXXX from {$510.00} which I never got delivered as I had to cancel the order. 
For many days XXXX refused to issue a refund and I opened a dispute with Citi Bank, the issuer of my credit card. 

XXXX processed a refund on XX/XX/2023 after a lot of insistence and since but since there was a dispute on going, Citi kept the money and never refunded me. They closed the dispute saying that 30 days were passed. 

Now it has been 3 months since the order and I still haven't got my money back : XXXX provided proofs that they sent the money to Citi and they won't process any additional payement. 
Citi didn't answer and I just re-opened the dispute for the third time. I need help to get out of this nightmare.
Product: Debt collection

Received spurious email from " TrueAccord '' operating out of address XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, threatening credit bureaus would be notified of negative information regarding said outstanding debt not specified nor substantiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two hard credit inquiries on my TransUnion credit report from XXXX. The first was on XX/XX/2019 and the second on XX/XX/2019. I did not apply for anything from XXXX, so this was fraud. 

I attempted to contact XXXX XXXX times. The first time, they said they couldn't do anything and to contact TransUnion. 

Today, I called and they found an account setup under my name. However, they still would not help me get these incorrect credit inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 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.
Product: Credit card or prepaid card

Technically I have two accounts with you and I have questions about both finally complain on here seems a bit drastic but your website with all due respect is useless you cant do much of anything and theres no easy way to sing you a message on there so I guess Ill sing you want to hear I travel a lot so I cant always be on the phone anyway back to my question I have a XXXX XXXX Credit card that you just took over from another bank I have a few questions I dont use this card very much because it can only be used at the store Id like to know what I need to do to get this to become a Visa MasterCard so I could use it more often I have a good credit my credit score is in the XXXX I never missed a payment I have a decent job I mean I do everything youre supposed to do the first thing Id like to know if I can get the switch to a visa or MasterCard second is there anyway to increase the credit limit and decrease the interest rate? The last four of the card that I am referring to are XXXX between that and all of my personal information you should be able to locate my accounts The next credit card that you own and operate and have for years is the Menards big card I have all the same questions as I did with the first card is there anyway to turn this into a Visa MasterCard as you can see it doesnt get use much because for some weird reason you only approve me for a store card even though I have excellent credit looking at my XXXX XXXX and XXXX  report right now neither one of them have one negative thing on them nothing theyre perfect so Id like to know can I get this turned into a visa or MasterCard also credit line increase would be nice and a lower interest-rate would be nice but I have one additional question I did try to use this card how Id say about a week ago on the Menards website for some items that could be shipped to my house and the website kept telling me my card have been declined. Any idea why that wouldve happened? Considering I never use The card or I have very little because I can only use it in your store I dont understand how I couldve possibly been declined Im nowhere near my credit limit On this particular carded ends in XXXX
Product: Credit card

I HAD RECEIVED A VISA CREDIT CARD # XXXX FROM CAPITAL ONE AND ABOUT XX/XX/2016 THEY PLACED RESTRICTION ON MY ACCOUNT & NOT ALLOWED ME TO USE THE BENEFITS THE CARD GOT TO OFFER UNDER CASE # XXXX. I HAD SUBMITTED ALL DOCUMENTATIONS FOR PROOF OF MAILING & PHYSICAL ADDRESS AND THEY INSISTING ON THREE WAY CALLS WITH MY FINANCIAL INSTITUTION TO INQUIRED PRIVATE BANKING INFORMATION ABOUT THE ACCOUNT WHERE THE PAYMENT ARE MADE ELECTRONICALLY. THEY ARE VIOLATING ALL MY FEDERAL PROTECTION RIGHTS IN REGARDS BANKING. I NEED TO HAVE MY ACCOUNT RE-ACTIVATED IMMEDIATELY PLUS ALL REMEDIES ARE AVAILABLE FOR ALL THE E-MAIL & PHONE CALLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a loan with discover loan, and Experian gave my data to other companies. Received 40 calls the next day from loan companies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting a re-investigation of the following item : Account Information : Creditor Name : XXXX Description of Inaccuracy : Wrong Balance : The account in question is reflecting different balances on each Bureau, none of which match the actual balance on my account. 
XXXX : amount {$350.00} Experian : amount {$0.00} XXXX XXXX : {$350.00} closed XX/XX/XXXX Incorrect Dates : The accounts dates of last activity, payment dates and account opening date is being reported inconsistently or inaccurately. 
XXXX : date shown as XX/XX/XXXX Experian : date shown XX/XX/XXXX XXXX XXXX : date shown XX/XX/XXXX closed XX/XX/XXXX I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C.

1681 ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable re-investigation to determine the accuracy of the disputed information. 

I kindly request that you contact the furnished of the information to verify the accuracy of the disputed item. During this re-investigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the re-investigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 

If, after your re investigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.
Product: Checking or savings account

On XX/XX/XXXX my Robinhood spending account was credited {$1100.00} from a dispute that was on going. I have removed all restrictions from my account and now they are telling me that they are not able to verify the source of funds when they are the ones who credited my account. In the email it states that one restrictions are removed i would be able to ttransfer my funds to a external account or be mailed a check. I've sent multiple emails stating that i would like a check and only get the run around. I have supplied shots of emails and proof of this company blatant lies.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTI
NG LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required
by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one is showing inquiries on my credit report which are fraudulent. the dates of inquiry are XX/XX/XXXX and XX/XX/XXXX.. i have reported this to XXXX  and ftc ... these inquiries need to be removed
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 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 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  CLOSED ACCOUNT XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from the my fico company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Thanks so much
Product: Debt collection

I do n't consider the debit is mine. It was charged by apartment management company to replace carpets after leaving. Before leaving the entire apartment was professionally cleaned including the carpet. I requested a walk through with the management before leaving but they never showed up. It is obvious a scam that they do to get unjustified charges
Product: Mortgage

In XX/XX/XXXX and XX/XX/XXXX i fell behind in payments do to lose of employment and tried to workout a way to pay it back and was informed there was nothing available and they started foreclosure. I contacted an attorney and after months the mortgage company informed me that they would not talk to the attorney and my only choice was to accept a modified loan under there terms which was {$600.00} more than what i was paying or foreclose. With no other choice for my family i had to except the new payment. After a while i started having trouble paying the the huge payment i fell behind again. I contacted the mortgage company and asked how much i needed to get the account up to date and was given an amount. I got the money together and contacted the mortgage company to pay and now the amount was more. When i had that amount together and contacted them now the amount changed again, this went on for months until i contacted an attorney to help me lock in an amount to make the account up to date. I set up bill pay from my bank account to pay the mortgage directly every month so ther wouldnt be any issues. After making the next XXXX payments without any issues directly from my bank bill pay i noticed a week after my last payment the mortgage company sent the money back to my bank account. I contacted the mortgage company to find out why they sent the money back after they had it for a week and was informed that im no longer allowed to have my bank send them the money i have to get a certified check from the bank and have it mailed to them. Now my payment is late and there is fees applied to my account. When i asked why they had the money for a week they could not give me an answer and when i asked them why i wasnt informed about not being allowed to pay through my bank they still could n't give me an answer. I feel that the mortgage company is continuing to make it harder and harder to pay so they can foreclose on my house and as long as they continue to affect my credit score I can not refinance with another mortgage company.
Product: Mortgage

I requested my payoff on my mortgage with Seterus inc . They will not give me the payoff on my loan. I told them I had sold my house and needed it. They said it would 48 hrs then next time I called them they said it would take 7-10 days. Then I called them again told them it was urgent and needed my payoff and that I was closing in 2 days. They told me this time it would take 3-5 days. I am having a very hard time just getting my payoff.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Payday loan, title loan, or personal loan

In XXXX of this year I received a high interest loan from XXXX XXXX. In XXXX I was unable to keep up with the payments which were not moving my balance and requested that the cease EFT debits- which they did. 

In XXXX the loan was sold to CC recoveries. In doing some research it appears this loan is not legal in the state of VA. I called CC Recoveries on XX/XX/XXXX and advised I plan to report the illegal loan to the states AG and requested a copy of the contract. I was assured it would be emailed to me by COB that day. The collector asked me repeatedly if I could make a payment - which I told them I could not. The collector ended the call by stating they will continue to pursue the debt and I will get daily calls ( they call MULTIPLE times per day ). Fast forward to today ( XX/XX/XXXX ) I go to check my bank account and see that CC Recoveries has withdrawn nearly {$700.00} from my checking account. I did not authorize this withdrawal. I called their office and spoke to XXXX who advised since I authorized XXXX XXXX, that authorization carried over to their office - although revoked. How can this be? They are a 3rd party who I have no agreement with, I told them I was disputing the legality of the debt under VA law and they still believe they can randomly hit my account for {$700.00}? 

This company and XXXX XXXX need to be investigated for illegal practices- repay phone calls, unauthorized withdraws, legality of loan in VA. 

CC Recoveries can be reached at XXXX. My account number is listed as XXXX.
Product: Debt collection

Caller contacted me around XXXX CST on Friday XX/XX/XXXX. Said he was from a collection agency. Had my name and location of clinic I went to in XX/XX/XXXX. I went there for an ER visit and filed with both the Department of Labor and Department of Veterans Affairs to cover the costs. But caller said I owe around {$2000.00} in medical bills. He said he would help me by reducing it to about {$1700.00} if I paid during the call. I told him I should not owe anything since I filed the ER visit as work-related, which covers me as a federal employee. And should also be covered by the VA since I am also a military veteran. The caller said I can call him back after verifying with the DOL/VA. He gave me the phone number XXXX to call back. The phone number is associated with United Collection Bureau, but also with numerous complaints of harassment and scams after searching on the Internet. And even if this was legitimate, why am I being contacted over 4 months after my ER visit?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ex boyfriend stole multiple cards while in hospital completely emptied all while in hospital for months he also had accident with my car and gave my information instead of his own to other car that he hit his name is XXXX XXXX XXXX of XXXX now XXXX ma he has continuously harassed me from XXXX online not only my cards my mothers card and ex husbands card
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report inTransunion. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report.XXXX Inquiry Date XX/XX/23, XXXX Inquiry Date XX/XX/23, XXXX Inquiry Date XX/XX/23, XXXX Inquiry Date XX/XX/23 and XXXX XXXX Inquiry Date XX/XX/23
Product: Mortgage

XXXX XXXX XXXX offered me a loan modification on XX/XX/2020 which I accepted. XXXX XXXX then sent me a forbearance letter, with terms are not consistent with COVID-19 relief. Thereafter, the mortgage loan was transferred to Selene and a significant gap in time before either servicer would provide information or documents requested to continue loss mitigation efforts. I have attached proof of how XXXX made unreasonable demands and never notified me of the transfer of mortgage but refused to discuss the loan documents or continuance of Loss Mitigation. Selene will not even negotiate based on COVID-19 relief, so the mortgage debt accelerated, accrued fees and costs primarily because the servicers were deliberate in causing further harm during an unavoidable hardship, sickness, school transition, and tremendous impact on economy. I am able to present a loan modification and be considered for a loan because I have worked hard to build my business and income. My family can not suffer the injustice of facing foreclosure, vacatur, and imminent bankruptcy, which will destroy us.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block Inc ) due to inadequate customer services and unfair practices, which violates 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 process 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit report dispute to verify a collection account on my credit profile with Experian on XX/XX/2019. The original credit was XXXX XXXX XXXX and the collection agency is XXXX XXXX XXXX. Experian allegedly contacted XXXX XXXX XXXX and was able to verify the information by XX/XX/2019. However XXXX XXXX XXXX or Experian has re aged the debt on this collection account to XX/XX/2019 making it appear as a new collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting fraudulent insurance claims in my good name I have contacted them to delete suppress and opt-out requests repeatedly. 
I have also asked LexisNexis for my consumer complete report LexisNexis has not shared my information with me at all.
Product: Credit card or prepaid card

Navy Federal again refused to accept a payment on my account and it appears that they are denying the payment for now several payment attempts dating back since XX/XX/XXXX in order that they can access late payment penalties. An attempt to pay on my account in this latest effort came on XX/XX/XXXX which was not processed. A follow up attempt was made by calling in to one of their CSR 's in which that payment attempt also was not processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct date of birth is not reporting. 

XXXX Different address are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX