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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$280.00} XXXX XXXX XXXX  XXXX {$750.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT I contacted Midland Funding on after reading on there website they said. We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. I advised the Rep name that I suffered from two XXXX   XXXX. She asked what they were I told her my illness are XXXX and XXXX. I had to explain to her what they were, she had no understanding of the illness. She began to XXXX and read to me what the definition said. I told her that I wasn't able to work and I wasn't receiving any money from any sources. Then after I realized that she had no idea or understanding I asked to be transferred to a US Rep and she finally did and she was of no help. The more I had to repeat my self over and over my XXXX  begin to flare up. I advised both of them that my health issue were not going to get any better. I also asked for Validation of this debt and never received anything. I have also asked for an Assignment of Debt and haven't received that.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 XXXX PM XXXX XXXX train station XXXX XXXX XXXX XXXX XXXX young man approached me asking for donations for his basketball team. I didnt have cash on me but wanted to help, he mentioned he is accepting XXXX and XXXX XXXX XXXX He provided me his email address but it was long and came up invalid XXXX email address. Then the man said he can enter the email address and I without thinking, let him take my phone to enter. He proceeded to transfer XXXX to his XXXX account then ran away. The mail address he used was XXXX. 

I called XXXX immediately to inform them what happened then filed a police report the same day. The police mentioned I was the XXXX person that has come to their precinct with the same story. 

XXXX notified me on XX/XX/XXXX that there was nothing they can do given the transaction was deemed authorized. 

I understand that on paper everything looks authorized given I signed into my account to transfer this individual money. However, this is far from the truth. XXXX has access to see both XXXX accounts and if the money was transferred without the consent of the payer, there should still be some action completed against the recipient of the payment. 

Truthfully, although XXXX is a substantial amount of money, I can get by my day to day with losing XXXX, what I really want help fight for is the many other people that fell for this scam and cant pay their rent or food just because they wanted to help this young man out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Experian via cfpb complaint portal and via affidavit certified mail. The company is using stall tactics to avoid resolving consumer rights violations.
Product: Money transfers

I was contacted by a repair company that did some work on my computer. they sad theywere going out of business in the US and they wanted to refund the money that I paidto them. If that was alright, All they needed me to do was to do was send a moneytransfer to XXXX with money they were going to deposit in my account. they deposited {$1300.00} in my savings account, I was to make a transfer funds to XXXX. for $ XXXXXXXXand keep the balance to pay for any fee 's. I checked with my bank to see how muchmoney was in the above accounts, I had not what I should have had. I tried to contactthem and got no response.
Product: Vehicle loan or lease

On XX/XX/XXXX the vehicle XXXX XXXX XXXX XXXX ( financed ) was stolen from XXXX XXXX in XXXX, California and XXXX. I contacted XXXX XXXX to open a claim. During the process of the claim XXXX ( Premier Auto Credit ) had retrieved the vehicle and sold it without the insurer properly surveying the damage. Furthermore, the finance company took 20 pictures of the car and did not provide any documentation or a full report about the car to XXXX. I have been a customer for years and paying on time and after the car was stolen XXXX immediately repossessed and sold the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number XXXX TBOM/ATLS/FORTIVA THD Account Number XXXX Chapter XXXX bankruptcy petition US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX Employers Select as many as apply XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been asking the credit bureaus to reinvestigate a bankruptcy that is reporting on my credit report. They replied to me stating that the bankruptcy has been verified. I have contacted the United States Bankruptcy XXXX XXXX XXXX of Wisconsin and they have advised that they do not report bankruptcy info to the credit bureaus. Furthermore, the credit bureaus advised me that they verified my bankruptcy with XXXX XXXX, but I have documentation and have sent them documentation showing that XXXX XXXX was unable to verify the accuracy of the bankruptcy and that they have deleted it from their database. How are they verifying this bankruptcy and it's accuracy? I demand that the credit bureaus show me the proof that they allege they have for the reinvestigation. This has caused me financial hardship and emotional distress as I have been attempting and trying to get this matter rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unauthorized inquiry was made on XX/XX/2022 from the company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Product: Debt collection

I was a customer of XXXX XXXX. We had agreed on a price for one year before the end of the year. I did not say please cancel my account with you until the day indicated they told me there is nothing to do because your phone number is in a transfer position to another company there is closed the account I thanked him and finished the conversation Then they started to send a bill for which I had not used anything because until today I had paid 12 months and there are still up to this moment that I am in the credit report damaging my reputation
Product: Mortgage

I have a loan  with DITECH.  I applied for a loan modification  XXXX   XXXX . I was approved for a trial modification in  XXXX   XXXX . I had to comple te four ( 4 ) t rial payments by  XXXX   XXXX . I completed my trial payments in  XXXX   XXXX  bu t DITECH has not sent me anything in writing regarding the approval of my loan modification. I was advised by my account rep to continue to make the trial payments because the modification docs are not " ready '' ; however, I have not received any documents or anything in writing from DITECH assuring me that my modification has been approved. Even though the trial period is over DITECH continues to report negatively to the credit bureau they also continue to do collection calls and I have to keep reminding the DITECH representative that I 'M IN A MODIFICATION PROCESS. But it always seems like no one knows the status of my loan modification, and they refuse to put anything in writing! ... its like they are waiting to send me to foreclosure. Why is it that they do n't have to put anything in writing during this process? I 'm just trying to keep my home but it seems like my lender has no interest in helping me do that. Please let me know what I can do to get something in writing from DITECH regarding my modification status
Product: Credit card or prepaid card

Today on Sunday, XX/XX/22, I received a notification through my credit monitoring system that a Bank of America credit card, which was not authorized by me, was opened up in my name.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, we signed a contract for two bathroom renovations through XXXX  XXXX of XXXX for an agreed upon price. We were told by the salesperson that the price quoted for the bathrooms " included everything '' and there was nothing else to pay. This signed contract also states " subject to management approval '' as we live in a co-op. On this same day, the XXXX XXXX salesperson set up the financing for us through XXXX XXXX XXXX/an affiliate of XXXX XXXX XXXX of Georgia. 

About a week later, XXXX XXXX charged approximately {$13000.00} to our Green Sky account after ordering the products for the renovation PRIOR TO receiving approval from our co-op management group. 

Two and a half months later, XXXX XXXX contacted us to advise that the plumbing required by our co-op will raise the price of each bathroom {$5000.00} each ( {$10000.00} ), which they can reduce to {$7000.00}. We advised him we were not in a position to do this. 
We have no bathroom renovations and consider all of XXXX XXXX XXXX actions to be a breach of contract at this point, so we looked to Green Sky to help us. When we called Green Sky and spoke to XXXX XXXX in Customer Service, he assured us that Green Sky advocated for us and referred the matter to the " special agent '' for XXXX XXXX, XXXX XXXX who, instead of viewing this matter as a vendor breach of contract, decided that it was a " cancellation because it took too long. '' XXXX and Green Sky have shown clear bias as evidenced by a sentence in her email to XXXX XXXX representatives, stating " I am hoping that once the customer sees the amount responsible for [ cancelling ] that the customer will change their mind and move forward with the project '' and to us, stated " the merchant has the right to seek relief for any expenses incurred as a result of this cancellation not taking place in the required time frame ( 3 days ). The merchant could request that the contractual agreement is fully upheld and enforced. '' This contract should be considered null and void based on these issues : XXXX XXXX of XXXX breached the contract by ordering products prior to getting management approval. 
XXXX XXXX raised the price after contracts were signed, boxing us in a corner ; and Fraudulent billing - XXXX, on behalf of XXXX XXXX, just emailed us a bill purportedly from XXXX XXXX for " custom ordered merchandise. '' The bill of {$1600.00} ( "  Measure - {$200.00}, Drawings - {$650.00}, Materials - {$800.00} ) is dated XX/XX/XXXX and is on the letterhead of XXXX XXXX XXXX XXXX certainly no one we signed a contract with. To the best of my knowledge, XXXX XXXX XXXX does not have a business relationship with XXXX XXXX XXXX XXXX to finance their jobs. 
This is all sounding like a scam we have already alerted the Better Business Bureau of New York and now appeal to you for assistance. We 've attached our contracts with XXXX XXXX ( dated XX/XX/XXXX ), e-mails with XXXX XXXX XXXX and bill from XXXX XXXX XXXX XXXX. 

Thank you, XXXX XXXX XXXX and XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 the non penalty CD that I had with city bank matured. XXXX XXXX who was responsible for my account as a gold member was supposed to call me to discuss where did I want to move the money. I didnt get a call from him and on XX/XX/2024 I went to the bank to move the money to my current saving account, when the bank told me that it was too late to make changes. The maturity date was on XX/XX/2024 and somehow they decided to move the CD to another account and lock it in for another year. None of this was communicated to me!! No phone call was made or email sent to let me know that the maturity date has been reduced from 7 days to 5 days. I have never experienced so much of miscommunication and failure to relive the issue with out paying penalties. I want to file a complaint against the branch manage and XXXX XXXX and city bank cooperate.
Product: Mortgage

I'm filing a complaint against Trustmark National Bank. I applied for a XXXX  on XX/XX/XXXX at the location in XXXXXXXX XXXX. On XX/XX/XXXX, I asked about the status. On XX/XX/XXXX, I received an email stating that the XXXX was declined due to XXXX. I replied that I was very surprised because I closed on a XXXX  with Trustmark on XX/XX/XXXX and I didn't have any additional debt with the same income. I paid off and closed my XXXX  and reapplied because I wanted to receive the {$10000.00} grant that they'e giving due to the settlement with DOJ and CFPB. The manager of the branch told me that Trustmark couldn't retroactively date my XXXX from XXXX to present. On XX/XX/XXXX, I received an email from my financial services rep stating my XXXX was approved.The process was very swift the first time that I applied in contrast to the second time. On XXXX, I was to resend pictures of my house and I did, and I was asked more questions the second time. On XX/XX/XXXX, I asked when my XXXX would be closing. After going through a long, drawn-out process, my XXXX  was declined because Trustmark said they can be in 3rd lien position . I asked why I received a XXXX  once and then declined this time. I feel like I'm retaliate against because I closed my XXXX. I asked for denial disclosures and I was not given one. I provided a MIN summary stated tht XXXX ( formerly XXXX ) transferred my mortgage to XXXX. The second lien is {$15000.00} with the same entity XXXX. I was told the underwriters overlooked the second lien the first time. In contradiction, the financial rep told the second lien was added after I applied for the second Heloc. The two liens were recorded with the XXXX XXXX XXXX of Deeds on XX/XX/XXXX after I closed on my house XX/XX/XXXX. When I went into the branch, the rep showed me two packets which seemed to be doctored to appear like the second lien was added after I applied for the XXXX XXXX  ; however, XX/XX/XXXX is the recorded date on both liens on the packets. I took a snapshots on both packets because I was told the packets couldn't leave the branch. The financial rep was excellent but I believe she was directed on what to tell me. It's very confusing because I received a home equity loan from Trustmark which I closed on XX/XX/XXXX and they put a lien on my house. At the bare minimum, I feel like I should be granted the XXXX and the {$10000.00} XXXX. I believe the way Trustmark handled the processing of XXXX application was totally unacceptable. My mother has been an account holder with them since XXXX, and I established my first account with them when I was XXXX or XXXX. This made me disappointed and I lost trust in them. There seem to be some XXXX because I was given misleading and false statements and Trustmark failed to give me denial disclosures. I'm thankful to have an agency to file my grievances and I look forward to hearing from you and Trustmark.
Product: Credit card

Order # XXXX was supposedly delivered on or around XXXX XXXX, tracking info shows it was signed by someone who forged my signature, a copy is enclosed. XXXX XXXX was a Monday, I was not at home on this day and the signature is forged as it is not mine, not even fully signed. The signature is not my full name, you can see from the copy provided my USPS. An A-Z claim was filed with Amazon, however, it was closed a day after opening stating the item was signed for by myself and would not investigate further. A dispute was made with Amazon credit as well, however, it might have been closed as well and the reason for this complaint. The total charge for the order is XXXX, please advise Synchrony Bank I need this item disputed and or refunded, if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received an email from XXXX credit card stating their website is down and they are experiencing tech issues and they will resolve it asap. They said this was not due to any hack/security issues. Then on XXXX I get an alert from Experian stating my XXXX card is 120 days delinquent and the account has been closed due to delinquency. That information is false the card is still open and I never missed a payment. I called XXXX on XXXX and rep XXXX ID # XXXX said they are aware of the issues and it affected all of their card holders and they are trying to fix the false reporting with Experian and the error was caused by the snowstorm. XXXX updated their twitter admitting the problem but they are not admitting to any security breach or the negative information on my credit report which will effect my score. Please assist. Hundreds of other XXXX card holders are experiencing the same problem and XXXX is not being truthful or helpful with this matter. Thank you
Product: Credit card

Several months ago Citi bank sent me a notice that the terms of my Home Depot store credit card would be changing from a risk based model to a fixed 29.99 % APR. I have never been late, never missed a payment, and always pay the account as agreed. 

I called them and demanded justification for the unwarranted change in the card terms. They're response was that they didn't have one, it was a business decision that affected everyone. 

However, they recently sent me a promotional offer for a " valued cardmember '' that listed the advertised rate for the credit card as the original risk based model that I signed up for. XXXX % APR based on credit. If it was a business decision that affected all card holders, then why are they still advertising a risk based interest rate? Are they falsely advertising, or are they discriminating against me by only raising my interest rate and not everyone 's as they claim?
Product: Credit card

On XX/XX/XXXX, Goldman charged us {$140.00} of interest, claiming it was due to {$210.00} payment shortfall on a XX/XX/XXXX statement balance of {$12000.00}. The banks mobile app and statement show payments and credits of {$12000.00}. On XX/XX/XXXX, customer service representatives from informed that the charge would be reversed. Subsequently, the bank not only did not reverse the interest charge, but further charged {$190.00} interest for prior cycle unpaid balance, despite additional payments made during XXXX. When we contacted customer service again, we were told that the balances shown on the mobile application could not be relied upon and may not reconcile to monthly statements. Customer service yelled at us and hung up when we asked why not and requested the previously promised interest refund.

After stating that the balance would be reversed, the company reneged, told us that the mobile application could not be relied on, and subsequently hung up on us. We were also charged again on an inexplicable 'still outstanding ' balance.
Product: Mortgage

This complaint is related to my previous complaint which still are not resolved. The latest was # XXXX. After systematic harassment since XXXX of 2015 I and my husband of XXXX national origin did not get our home equity loan refinanced. Today I received a bill with increased interest rate not reduced. Our rate went from 2.99 % to 3.24 %. You systematically indicate that the response is undisputed. It is disputed because we are systematically harassed and our application not processed.
Product: Checking or savings account

At first I received an email that my withdrawal of {$4000.00} has reversed back but never showed up up to my account then in same day Extra {$1000.00} missing from my account my. Tried contacting the support on the app for 2days and im still in the queue of support. Now they restricted my account. The support on XXXX gave me the run around and never helped
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen a little while back and Im trying to buy a home and Im noticing all of these different charges that Ive never made and Im trying to get that removed off my credit
Product: Debt collection

My name is XXXX XXXX and I am an XXXX licensed in XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. My Stepfather XXXX XXXX passed away on XX/XX/2020 and had a lease on a XXXX from XXXX from Ally Financial. 

My mom is XXXX and can not take care of herself and had to be transferred to an assisted living facility and I intend to return to the car to XXXX as soon as COVID is over, but my wife is pregnant so I do not want to risk going to XXXX, especially since as I understand it an auto payment of {$250.00} is being made to Ally Financial anyway. I informed Ally Financial of my stepfather 's death and there seemed to be no issue, but approximately a month ago my mother began receiving harassing and threatening phone calls from a woman named XXXX XXXX who called from XXXX XXXX XXXX XXXX in XXXX, Florida would not even identify where she was from, but repeatedly called my mom in her assisted living home and threatened to lien her home. 

I attempted to call her back, but nobody could connect me to Ms. XXXX whoever she may be. I am unsure if this is a scam from Ally Financial or if this Ms. XXXX is a scam XXXX. 

Ms. XXXX should not be harassing elderly widows in retirement homes and at the very least some form of written notice should have been sent, but none has come.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXXXXXX )