23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First they told me I couldnt have a private flood insurance, so I got the recommended insurance and I paid out of pocket for ( did not come out of escrow ). A couple of days later the private insurance company contacted me ( by email ) and thanked me for renewing. I contacted the mortgage company and they told me it was their mistake, butI would have to get my money back from the private insurance myself. 
Then my regular home insurance contacted me ( by email ) letting me know that my current insurance expired on XX/XX/26. I again contacted the mortgage company and still to this day it has not been resolved, nor have I been contacted by them in anyway. Ive called and used their wecare form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card just now and and was notified by the credit card company that I applied to that they couldn't give me an answer because my Experian credit information was frozen. I have no idea WHY it was frozen because I never requested this. 

They gave me an XXXX # to call Experian and get the credit unfrozen. I have spent the last hour trying to do just that and realized that Experian offers absolutely no option to do so at that number. Also, no way to speak to a representative or human being in order to express this. You can FREEZE your credit at that number, but there is no option to UNFREEZE. I tried choosing every option they make available, and there is none for unfreezing. Also, I kept saying " representative '', but the recording kept repeating back that they would let me speak to a rep only after they figured out how " best '' to direct my call to the proper representative, and then kept offering me the same automated options and did nothing to actually direct me to a representative. After trying this several different times, hanging up each time and redialing and exhausting every option they offer, I went online to see if there was any other customer service number. Of course there isn't! 

I then decided to try and unfreeze it online. I had to go to the trouble of setting up an account, which I tried to do. Then they said they were going to need 2 forms of ID and specified what they were, and said you could either mail them in or call a number to find out how to submit them. Only it turns out the phone number they gave for instructions on submitting them was the same one which I had just been trying to find the proper option on for an hour, and which I was now intimately familiar with, and which I damned well knew didn't have any such option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, Friday XXXX XXXX, 2017, I discovered that my personal information, including social security number, was leaked in cyber security breach at the credit agency Equifax. This shows, at best, incompetence, and at worst, negligence in regards to the company 's duty to safeguard consumer personal information.
I also learned that this breach occurred some time ago ( about one month ) and those of us affected were not notified in a timely manner.
Product: Debt collection

XX/XX/2019 I paid my XXXX XXXX XXXX balance in full after learning from customer service that I had missed a payment. I continued to make my monthly payment even though payment had become an issue. Prior to this I had always paid my balance in full each month. I asked the creditor on several occasion to remove the excessive charges as a goodwill gesture. Original creditor : XXXX XXXX XXXX refused to do so and has continued to assess late fees, and/or finance charges, and/or other fees causing my account balance to exceed my credit limit. XXXX has reported this on my credit report. This has negatively effected my good credit score. XXXX sold the account to a debt collector : THE BUREAUS who continues to increase the balance and causing my credit rating to go bad, thereby causing me to miss opportunities to improve my credit rating and create a better standard of living for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I follow my credit report almost daily and the credit reporting agencies are not factoring in correct information to obtain my score and it keeps it low and substandard so I can not obtain reasonable interest rates because of their unfair reporting. 

I have an XXXX cold that gets paid off monthly and has no credit limit but my report shows XXXX  limit which directly and negatively affects my score because it appears as though my available credit is lower than what is truly available. 

They can not answer my question when asked and it was previously reported with a {$6000.00} available credit but per XXXX they are not supposed to report a limit for a GOLD card so when that changed my Experian listed it as a negative impact as if my " available limit had been lowered or closed " I can not get help from anyone with this issue and my credit score has literally dropped into subprime >. HELP PLEASE
Product: Credit reporting

For XXXX XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from XXXX, XXXX, and Transunion as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy that does not belong to me on my Equifax Credit Report. 

I have never filed for a bankruptcy, and XXXX and XXXX correctly identify that I have never had one. Only Equifax has this mistake.
Product: Vehicle loan or lease

I am filing a complaint on Auto Now Financial Services. This company is fraudulent. I purchase a XXXX truck in XXXX of XXXX. I purchased the extended warranty with the vehicle. By XXXX engine had blown..I paid the XXXX deductible, put the car in their shop where it sat for almost three months. They then allowed an outside vendor to do the work on my carwithout even telling me. Then they could not get a hold of the people that had my car to get it back. I was lividand know this can not be legal. They agreed to put me in a new vehicle, which is the car I have now. It is a XXXX XXXX. I have been making payments o this car for about a year of almost XXXX a monthmind you..this car is a XXXX vehicle. I made a payment of XXXX on XX/XX/XXXX which brought me current..and the. On XX/XX/XXXX they pulled another XXXX off my card without my consent. They continue to charge me for a warranty I requested to be cancelled 4 months ago. I. Called today and spoke to XXXX. I wanted to know why I can not access the online portal to make my payments. I advised him that although my account is current .the portal reflects my last payment being made in XXXX.and showed me behind 2 payments. I was told the online portal is being updatedwhich I find hard to believe because I was told the same thing about 4months ago. I told him that I have a right to be able to see my account details including my principal going down on this loan. He hung up in my face. I called right back. He answered the all. I asked for a supervisor and he hung up in my face again. I called again. XXXX answered. I asked for a supervisor. She told me he was in training. WhenI explained to her why Iwas upset and wanted to speak to a supervisor she hung up on me also. I am livid. I have a right to have inwriting where my account stands and the breakdown of my payments and there is no way they should ring business treating people the way they do
Product: Prepaid card

On XX/XX/2024 unauthorized withdrawals was made to my account. XXXX XXXX XXXX XXXX  was when I noticed when the amount of XXXX was taking out of my account. Immediately I called my Wisely debit card to close my debit card and dispute the transaction. After I've done that I went to my local police department and file a police report issuing a fraud alert upon my account. I then called my Wisely card company back to see what should I do about my lost/stolen funds and they said that I will receive a letter of acknowledge in the mail and to return the letter signed within XXXX business days. By the time I received the letter of acknowledgment, I contacted the Wisely debit card company 's dispute team to be notified that my dispute case was already closed and that a second should be coming via mail about their decision. I totally think it's unfair that I'm out of money and the Wisely card company are basically saying that theirs nothing that can be done on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Equifax that an account was not mine ( XXXX XXXX XXXX ) they said it was and kept in report I again submitted complaint no still there I then called and told them I have never used that company before, they insisted it was my account, they also refused to remove accts the were closed past the Florida Statute of Limitations and I read that State statute overruled reporting agencies the acct was closed and reopen by a collection agency ( XXXX XXXX ). Can you please help me get these off my report
Product: Credit card

This morning when reviewing my XXXX checking account, I noticed XXXX ACH transactions that appear to have been attributed to Capital One that debited my account in the amount of {$100.00} and {$570.00}. As my Autopay had already occurred for my Capital One credit card the day previously, I anticipated there was an issue. 

At XXXX EST I contacted Capital One 's customer service number and entered my account information, Even before I explained my situation I was directed to the Fraud Protection unit. When I inquired as to why I was directed to Fraud even before I explained the issue, the representative indicated that my account was " flagged '' because I changed my email address. I indicated that I did not change my email address and in fact, as I was online viewing my Capital One credit card account, and the email address was accurate. The representative then said " well then It must have been flagged by mistake ''. I found that " odd ''. 
Nonetheless I asked representative to advise if there were any " online payments '' being credited to my credit card account dated XXXX/XXXX/17 that would have occurred " in error '' in the amount of {$100.00} and {$570.00}. I articulated that I have XXXX ACH debit transactions that were appearing on my XXXX checking account that were attributed to " Capital One online payment ''. I offered several times to provide a screen shot or transaction ids. Her response was " well since I ca n't see these transactions on the account I ca n't help you ''. I indicated that I felt she was remiss in her follow up to my concern and I indicated that I was well aware of the electronic funds transfer act and its provisons. I further indicated that while I will in fact call XXXX to start an investigation, I also indicated that I was " deeply disappointed '' that she would not take a fraud report and investigate further as it is rather clear someone is committing fraud using Capital One brand. 

The long and short of this letter is that I do n't think it is " coincidental '' that fraudulent transactions would be coming through my account branded with " Capital One '' if I was not an accountholder, I do n't think they would pick " Capital One ' out of thin air. Further, I also do not find it coincidental that when I called into Capital One customer support I was directed to Fraud even before indicating an issue due to an " email change ''. I just do n't think this representative could be bothered to " connect the dots ''. 

I am submitting this complaint as I am deeply concerned that this situation is not a " one time '' issue and is fact part of a larger data breach that has occurred and I want to ensure this situation is investigated with some degree of rigor. 

XXXX
Product: Credit card or prepaid card

I received a Vanilla gift card of {$25.00} for my sons first birthday. I took it out of its originally packaging ( still have ) and I proceeded to use the card. It didnt work because it was damaged and more than half of the card numbers were missing. I called Vanilla customer service and I opened up a case was told to email pictures of the gift card front and back and I would received a replacement and a confirmation that my pictures were received. I received an email hours later stating that I would need the original receipt as well. I do not have the receipt nor does the friend that purchased the gift card for my son. She bought it at a XXXX and when she went back with giftcard they told her they couldnt do anything and that this has been happening a lot with Vanilla gift cards. Its starting to look like a scam. All in all I didnt receive a replacement card.
Product: Consumer Loan

I Requested this company in Writing to Validate this Debt. I asked them to Send me a copy of the CAR NOTE with my Signature and they Refused to. I have no Recollection of this account # XXXX XXXX XXXX XXXX and want It Removed from all XXXX Major Credit Reporting Agencies ASAP.
Product: Mortgage

Back in XXXX years, I was under a reduce payment plan due to unemployment with Wells Fargo my mortgage holder. During that time I made monthly payments and as described in the plan Wells fargo was to modify my loan. This never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is with Experian who hasnt reported my rent trade line through my membership with XXXX On XX/XX/XXXX I received an email that said XXXX XXXX XXXX and would now also report rent to Experian so it would now appear on all 3 main CBs. My rent trade line has appeared on XXXX and XXXX for almost a year. 

After 2 1/2 months and many messages/updates about glitches, issues uploading batches, working to resolve the problem, then this Monday it is finally resolved and will be uploaded Tuesday or Wednesday. Then finding out from XXXX  it doesnt show it uploaded/or is pending on XXXX  back office so an email was sent directly to Experian about my account specifically on Thursday morning, I still havent found out if Experian plans to resolve this problem, as far as I know, they havent responded to XXXX  and I havent received word. 

The resolution Im seeking is : I want the rental trade line to show on my Experian report. Please update my report right away. 

Also, I can forward the entire email conversation containing all the emails about this. 

If you could help me resolve this issue, it would be greatly appreciated. 

Thank you XXXX
Product: Credit reporting or other personal consumer reports

I did not apply for this account and have never been asked to be authorized on this account. I've asked credit agencies to provide documents proving so, and nothing has been determined. 
I demand for these accounts to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Investigate, delete or fix date of last payments. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.
Product: Checking or savings account

Two problems Chase moving my account over from First Republic. Note, Chase initiated this move -- I did not request it.

1 ) Bill Pay Recipients not moved as promised.

See the attached Transition Checklist, item Online Bill Pay and Transfers.

My checking account was moved from First Republic to Chase this past weekend. The Transition Checklist states " The online bill pay recipients you set up on firstrepublic.com ... .will transfer to Chase ..... '' I went into the Chase site today and NONE of my Bill Pay Recipients were present. I have sent a " message '' to Chase inside the app, but no response. 

2 ) No instructions provide on how to adjust my XXXX to connect to the new Chase account and flow new data into the existing account in XXXX. 
I have tried several different attempts make my XXXX connect to Chase, but nothing has worked. Chase should provide me clear, easy-to-follow instructions.
Product: Credit reporting

Experian online dispute system stated all documents were received. After 2 weeks XXXX & XXXX had updated the item as judgment satisfied. I checked my credit report with Experian it was still on the report and did n't show in disputed status. I called them and was told they never received anything form me or no uploads to there site were found. The customer service person entered the dispute and my complaint about the system on XXXX/XXXX/16. She stated they would call me on XXXX/XXXX/16 between XXXX-XXXX. I never received the phone call. I called Experian back, I talked to a different agent and was told it could take 30 more days to do the dispute and they did not have time for call backs. He would re-file my complaint about there system but that they were not responsible for the website that was another departments issue. They stated if the system does n't show an upload they would not investigate the issue and were not responsible for information entered on the site. This is complete mishandling of PII ( Full name, SSN & DOB ), especially from a credit bureau. According to their representatives they are not responsible for any information that you give them over the phone or via their web-site. How is this possible? I request information into what happened with my PII and my claim file via there websites on-line dispute center and document upload site. I also would like the dispute done with XX/XX/XXXX-XX/XX/2016, due to the miss handling of my online dispute and PII.
Product: Mortgage

Lender : Bank of the West Refinance of Mortgage on Primary residence. Disbusement date was XX/XX/XXXX. 
Cash back to myself was to be {$22000.00}. This was not received until XX/XX/XXXX, the day after disbursement, even though my interest was being charged from XX/XX/XXXX. This {$22000.00} was only received after several calls to Bank of the West. 

The other main reason for the refinance was to pay off high interest rate credit card debt. 
This debt amounted to {$45000.00}. This was to be paid by the mortgage company directly to each credit card company. Statements from each card company with mailing addresses and account numbers were provided to Bank of the West to assist in paying these cards. 

By XX/XX/XXXX I began to check if these cards had been paid and they were not. I called Bank of the West Loan officer several times and they said the payments were mailed. It is now XX/XX/XXXX and still none of these credit cards has received payment. 

After a week and a half I find it hard to believe the payments were ever mailed. I asked Bank of the West for evidence that the payments were mailed and can not provide it. 

In effect I am paying interest on a mortgage loan which I have not received the full proceeds from and also continuing to pay high interest rates on the credit cards. 
I am also going to assert that if the APR was recalculated with this new information, that the quoted APR from Bank of the West would be out of compliance.
Product: Student loan

I been having problems for years trying to find out about these student loans. every time i get the company, they sell my loans to other companies and i get lost in this system. The last company told me i owe {$38000.00} for these loans, THIS amount IS WRONG!! So now i'm trying to finally buy my 1st home for my family, but this mess keeps showing up on my credit report. I'm XXXX years old single father with XXXX children i want to leave something to my kids ... a house, but i can't fight these big companies, they are too slick.PLEASE HELP ME AND MY KIDS. Thanks again
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX  XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been able to access my Equifax account in the past without any issues whatsoever, even changing the password never had an issue. Today I tried to logon and was told my info was incorrect, I knew this was not the case but went to register for a new account anyway. When I tried registering it said that I already had an account, when I tried resetting the password it said no account exists. Then I was told I needed to mail in information to verify my account. I asked if there was a way to fax or email and was told that snail mail was the only option. Im being inconvenienced because of their lack of security measures and should not need to send in anything for verification when its not my fault my account is locked but rather their incompetent and inefficient security measures. The representatives were rude. I spoke with XXXX ( XXXX ) and a manager name XXXX XXXX ( XXXX ) thus took place today XX/XX/2022 at XXXX
Product: Credit reporting or other personal consumer reports

previous requests were not fufilled by said company .... i am asking for accommodation for all late payments on my credit report by XXXX XXXX according to 15 USC 1681s-2 ( f ) I am demanding Mr cooper remove any late payment received during the covered period with proof of removal