23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed a Chapter XXXX bankruptcy on XXXX XXXX, XXXX. I then withdrew the filing on XXXX XXXX, XXXX without prejudice, this was based on legal advise and absolutely no creditors were affected due to XXXX liabilities filed against any creditors. The court on XXXX XXXX, XXXX then dismissed/closed my filing and recorded as such. Now that 7 years have since lapsed since the filing, I was fully expecting this negatives/adverse action to be removed/purged from my credit report as of XXXX XXXX, XXXX. Upon speaking with a supervisor at Equifax , I was told that because I failed to go through with the bankruptcy and have a court appointed trustee oversee my filing, and because the record does not use the word, " discharged '' in the court recording, they refused to remove the negative/adverse action for up to 10 years, not 7 years. I am being penalized for not XXXX my creditors and making full payment to all creditors at the time of withdrawing the bankruptcy complaint, which is totally ridiculous to think that just because I initially filed for bankruptcy, but withdrew it, and made good on my debts, now I have a additional 3 years to be penalized by a credit reporting agency. Therefore I am seeking your assistance in resolving this matter favorably in my case of total dissatisfaction with the credit agencies.
Product: Credit reporting or other personal consumer reports

I have been sending then copies of 'y credit report and asking then to take it off. I even attached copies of if being charged off. And they are stilling reporting it. I have even called and asked the ' and told then it's a XXXX dollars to report false information on 'y report and they keep doing it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account on my equidax report from 2014 that has been charged off. The report doesn't include any of the charged off information. Or any indication the item is charged off.i have sent over letters from the company to equifax stating the item is charged off. Equifax won't update the report.
Product: Debt collection

on XX/XX/2018 at XXXXXXXX XXXX, the debt collection office for XXXX XXXX XXXXXXXX XXXX XXXX called me threatening to take legal action against me, which on XX/XX/2018, i spoke to someone about setting up payments plans and someone from the debt collection office for them was supposed to return my phone call at XXXX on XX/XX/2018 and never did. the representative mentioned that the recommendation was put on hold which i am not made aware of any of this information and then she about my XXXX in a tone i did not appreciate " are you still XXXX  ''? the number they called from was XXXX.
Product: Mortgage

On XX/XX/2020 I closed on a home and {$10.00}, XXXX was awarded to me by Housing Opportunity Made Equal ( HOME ) to Towne Bank as a grant down payment. This money was released contingent that the home was up to code based on US Dept. of Housing and Urban Development. An addendum was drawn up and repairs were supposed to be completed. At the closing, the seller did not provide any receipts or warranties for repairs completed according to the addendum. I requested receipts from closing attorney 's office via email, and they came back and replied they do not have any receipts or invoices regarding the repairs made prior to closing. Because the repairs were not completed as the required per the addendum no grant funds should have been released on my behalf.
Product: Credit reporting

Equifax has reinserted an account that was previously deleted from my credit file with no notification what so ever. The following account was previously deleted from my credit file over a year ago. 
XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$3300.00} XXXX/XXXX/XXXX CHARGE-OFF This account was disputed as fraud and a police report was provided and the end result was the account was blocked/deleted. Equifax has violated the FCRA by reinserting this account that was previously investigated and deleted/blocked. 

I have also disputed the following account with Equifax in the past month as not belonging to me and as being part of fraud : XXXX A Show Details XXXX XXXX/XXXX/XXXX {$1900.00} XXXX/XXXX/XXXX {$1900.00} COLLECTION ACCOUNT I has supplied Equifax with a copy of a current police report, and an identity theft affidavit, but Equifax has refused to comply with the FCRA Section 605 B by using the police report and the identity theft affidavit and removing/blocking the account from my credit file. Equifax sent me a letter telling me that they were not going to comply with the FCRA and were not removing the account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX  XXXX {$220.00} XXXX  XXXX {$870.00} XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$530.00} XXXX XXXX XXXX {$330.00} XXXX   XXXX  XXXX {$940.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX {$820.00} XXXX XXXX {$530.00} XXXX XXXX {$970.00} XXXX XXXX {$820.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMIISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Student loan

On XX/XX/XXXX I called Navient to reapply for my Rate Reduction program. I began the program in XXXX. I would call yearly to give my financial statement and they would admit me back in. XX/XX/XXXX they told me my program was going from a 1 year to a Six month plan, so I needed to call every 6 months with my new financials. I called in XX/XX/XXXX with my financials and they readmitted me in. Come XX/XX/XXXX, I did not receive the normal email reminding me to re apply for my program. It has slipped my mind without the normal reminder and they ended up charging me {$1300.00} for the month of XX/XX/XXXX. I called and they gladly refunded my money because they made the mistake of not reminding me. They asked me to call back in XXXX before my next payment to reapply for the program. I called XX/XX/XXXX at XXXX and gave all my financials that I had given previously. Nothing had changed from XX/XX/XXXX. They woman on the phone told me that everything is exactly the same as it was in XXXX but unfortunately they can not accept my enrollment at this time. I asked why? if everything is the same. The response I received was : " We just plug the numbers into the system and due to the system update, they did not accept you, unfortunately this is something we can not override. '' I asked to speak to a manager and she told me that even if I did it would mean nothing, its what the computer generates. My monthly payment had jumped {$600.00}. I told her I can not afford that, and she said to try again next month and maybe the computer will accept me then, and to keep trying every month. If they have a program that requires your financials to meet a certain percentage then why is a computer making the decision that is exactly the same as it was 6 months ago when I was approved?
Product: Credit card or prepaid card

On XX/XX/2021, I noticed that I had 13 transactions from that apparently had come from a website listed as XXXX XXXX on my bank statements. The total for these charges after whoever had used my card issued a small refund of {$100.00} was {$6300.00}. This could have been caused by any number of things as I had just gotten back from XXXX XXXX, Nevada the week before this happened, however I made sure my card was on me and in my wallet next to me at all times. It is possible someone used a skimming device of some sort. I filed a fraud claim with Bank of America the same day this happened. two months later and I called the bank again because they had retracted the credit they had given on the date of XX/XX/2021, stating that after investigation I was liable and they would not refund me. I would have tried contacting the merchant themselves, however they did not have a phone line, and the only way to get customer service was with an order number of which I do not have because I have personally never purchased from them.
Product: Mortgage

I had a first and heloc with Wells Fargo Mortgage ( WFM ). I notified WFM that I was selling the home with the intent of paying all my obligations to WFM, and requested payoff notices for both loans. In a timely manner, I received the payoff notice for the first, but not the heloc. I continued to request in several more calls and finally, only days before close, did I finally receive a notice in the form of a demand, which was in fact PIF at close of escrow. Simultaneously to or at about the same time as WFM sent the demand and knew full well that my intent was to PIF, WFM reported to CRAs that I defaulted on the heloc and have refused after my repeated attempts to correct. This is of course disasterous and I need help. I have just received a wonderful new job offer that requires relocation and I am fearful that I will have trouble securing a home to rent. Thank you.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section 605 ( B ) of the FCRA.I kindly request that you block this information from my credit report within four business days, pursuant to section 605 B of the Fair Credit Reporting Act. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am lodging a formal complaint against ehanced recovery company. This debt collection company has violated my rights and the XXXX. I recieved a dunning notice from this company in XXXX of 2014 advising me i had XXXX days to ask for validation on a XXXX account i have no knowledge of having for a horrific amount of {$1000.00}, i immediately sent them a debt validation request within the XXXX days, which was sent via XXXX certified mail with return reciept. enhanced recieved my validation request i have the return reciept and copy of the debt validation letter, which i will keep for my records. Enhanced recovery intentionally ignored my debt validation request, instead of validating the debt, enhanced recovery reports this negative debt to the XXXX major credit reporting agencies, which in return has damaged my excellent credit. I want this negative account deleted from my XXXX credit reports immediately!!!!!!!! I will also be filing complaints with my XXXX attorney general office, and XXXX attorney general office!!!! I Have done my research on this company, and found out this is normal for them too do. They have numerous negative complaints for their deceptive business practices. Please do not continue to let this company think they can continue treating consumers like XXXX! Thanks for your time!!!!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 arid 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: Mortgage

Started a discussion of mortgage refinance on XX/XX/2020 for the loan amount of $ XXXX, no cash out with a Valley National Bank employee. The primary goal is to achieve a lowest rate since I am at 4.875 % .The nuance is my cooperative building is high sponsorship, therefore, it is typically not FNMA approved. I am aware that many banks because of this will only offer portfolio loans and not loans intended for the secondary market.Therefore, when I reached out to the loan officer, the building not being FNMA approved is the first thing I disclose via e-mail. This is something I will tell upfront to avoid the exact situation Valley National Bank put me through. I was offered 3.25 % 30 year fixed rate mortgage. 

We move forward with the process at good pace, appraisal came in a little lower than anticipated. The loan estimates and application were all based on the offered 3.25 % 30 year fixed. I also agreed to a 0.50 % fee to compensate for the higher LTV. As you can tell, the rate was my primary focus as I'm willing to pay XXXX bps. All seem to be coming together just fine and as I expected. At some point, officer even called and encouraged me to lock the rate which I did without giving it much thought. At this juncture, out of pocket was an application fee of {$490.00}, coop questionnaire and master insurance binder for {$320.00}. On XX/XX/2020 I was notified via e-mail that the loan was NOT FNMA approved due to high sponsorship ( exact thing I told the loan officer ) and the bank is offering a portfolio loan for 3.875 %, bi-weekly payments and ACH setup. Logically speaking, it is very unlikely for a consumer such as myself to spend over a month, disclose all my confidential private information, pay almost a grand upfront for Valley National Bank to confirm that the building is not FNMA approved. I am aware FNMA has a list for approved coop buildings so this was a simple easy checklist item. At this point, it seems to be a classic switch-a-roo. 

I respond to the email indicating how upset I am with the institution. Also noting that I disclosed that it was not FNMA approved at the beginning of the whole ordeal. The banker does not respond for over a week. I take the initiative to e-mail them again summarizing all those points again, decline their portfolio offer and tell them I expect the fees to be refunded. The very next day I get another e-mail stating a refund on the {$490.00} application fee has been processed. At no point did the institution admit oversight or assumed responsibility, provide a reasonable solution or adequate explanation addressing my concerns about this case being a bait and switch or the professionalism of the staff. If I was offered/quoted a 3.875 % 30 year fixed when I inquired, I would have declined and never started the process. I believe this merits some level of attention. We can't have bankers mislead consumers, get them started in the process, and pressure them to close on a higher rate.
Product: Credit reporting

My employment Info is missing. I have worked for XXXX since XXXX 2002
Product: Credit reporting or other personal consumer reports

Something in my name was purchased from a company called XXXX XXXX in the amount of 1995 XXXX I have never contacted them nor have I ever bought a product ir signed up for a program from them. I recently got emails from a company called XXXX XXXX which is a third party collection agency trying to collect this fraudulent debt. I have been getting emails from them harassing me about this unknown unauthorized account. Then lastly Experian credit Bureau has reported me as a late payment as well as a charge off account and Im prepared to pursue legal action against this illegal act. This is FCRA Violation. Experian is in Violation of 15 USC 1681a as well as USC 15 1666 I never authorized this fraudulent account, my privacy has been violated and I demand this be removed from my report immediately! There is an ongoing investigation into these fraudulent claims and Experian is in direct federal violation in reporting this on my consumer report. If this is not rectified and removed from my report I will pursue legal action to the fullest extent of the law!
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

There is a fraud charge on my account as of XX/XX/2021 for {$7.00} from XXXX. I have called several time to get this handled. This charge is absolutely fraudulent. Way 2 Go card company is stating, they dont have reason to believe this charge is fraudulent because the information I provided doesnt add up. If one plus one dont equal two, I dont know what to tell them. I am beyond livid with the process and the service of this company. I have no reason to call in and close my card and go through all this XXXX service for XXXX dollars and XXXX XXXX cents, if it was not fraudulent. Who ever you all have as investigators they did not do their due diligence. Im a mother of XXXX and I just lost my mom and I wasted over 4 hours today alone, explaining to different representatives that this charge is not mines and I would like my money back. I called several times before and every encounter has been horrible with hours of my time wasted. The first time I called the representative told me I couldnt even flag the charge until it posted which was ridiculous. Im not sure how their process works but this all started with someone charging my account {$0.00}. and a {$15.00} and then it was supposedly refunded per the representative and I noticed the Kroger charge because representative went over the transactions. 
Overall I just want my money back. This company needs to be reported to the XXXX XXXX XXXX. There is no way Im just going to be okay with this company saying that this is my charge and I know XXXX well I didnt do this. There is not even a XXXX in my area. Basically every representative I spoke with from XXXX and XXXX both stated once the decision is made there is nothing you can do. 
So my concern is that this customer service is soo poor that just because you guys didnt do what you needed to do to protect my account Im just suppose to accept fraud on my account? I will take this to the highest extent possible to get my money back. I know they have done this to someone else and they take you through the ringer just so you want continue to fight for whats yours but I would like to have my money back and the corporate office information
Product: Checking or savings account

Around XX/XX/year> I deposited money orders XXXX for XXXX XXXX for XXXX XXXX for XXXX and XXXX. I was traveling and was in XXXX at the time of the initial deposit drop. In California Ive deposited the slips the same way because it my account and I know the checks were legit I was in the rush to hurry up and deposit them where I was and didnt think nothing of it. However they closed my account while I was traveling in XXXX and I didnt have any funds or an account after depositing XXXX in my account while on vacation it really was the worst. Experiencing homelessness while on vacation is bad and I thought I could rely on my bank.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau. 
I am filing a complaint against TransUnion Credit Bureau. 

Company : TransUnion Credit Bureau Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX Website : https : //www.transunion.com TransUnion has repeatedly sent me letters that are generic in nature and state that they applaud me for trying to take charge of my credit but that they have been contacted by a third party and refuse to process requests unless they come directly from me or that the third party provide proof that they were authorized to communicate with them on my behalf. 

I have contracted the following Credit Repair company since XX/XX/XXXX : XXXX XXXX / Owner and Contact XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX, Tx XXXX PH : XXXX PH : XXXX FX : XXXX XXXX I had to sign a contract with this company and they have proof that I am their client. 

TransUnion 's refusal to facilitate the requests by my contracted credit repair company is delaying the repair work and costing me more money and is not right. I want this stopped immediately. 

I have called TrasnUnion a number of times about this and have never been able to resolve this. I have also provided copies of the letters to the company that I hired and pay to handle all of this. 

When I have called TransUnion, I have experienced very strange conversations with people saying they are representatives of TransUnion who are on crackling telephone lines in XXXX XXXX and even today was on the phone for 20 minutes trying to address this again when then I was placed on hold for a long time and then the call disconnected and no one called me back to help me. 

I have tried to contact TransUnion thru its website multiple times but they don't have any way to communicate or send a complaint. 

Some of the Letters Received from TransUnion about the third party credit repair : XX/XX/XXXX File Number XXXX XX/XX/XXXX File number XXXX XX/XX/XXXX File Number XXXX XX/XX/XXXX File Number XXXX They are included in the attached documents. 

Recently TransUnion mailed one of the letters to me on XX/XX/XXXX File Number XXXX. It was sent to the wrong address and was mailed to my neighbor! That is a terrible mistake! 

I want this corrected asap! TransUnion needs to stop placing barriers in my efforts to correct my credit. It is wrong. I pay a company to help me correct my credit and they can not prevent this. 

I have called about this problem numerous times and I have verbally told the TransUnion representatives on the phone that I have hired XXXX XXXX XXXX XXXX. Still two years later TransUnion is still wasting time and my money and is refusing to provide the requested data and sending me these generic letters. 

I want this stopped. They need to note that I have hired XXXX XXXX and XXXX XXXX XXXX XXXX and provide them will any documents that they request. 

Please update this asap and send all the documents that XXXX XXXX XXXX XXXX has requested.