23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced our Wells Fargo mortgage with XXXX XXXXXXXX XXXX XXXXXXXX was shut down by the FBI due to fraudulent practices, 5 days after we sent them out first payment! XXXX  XXXX never paid the balance on the existing mortgage! Somehow, we began getting billed for both full loans! 
We then called Wells Fargo to try and reconcile the original loan! They told us, pay whatever you can and speak with loan mitigation! We sent {$10000.00} to Wells Fargo! They refused to work with us! They began calling the house 16 or more times a day! Telling us our account was delinquent! Which we were well aware of! We eventually got rid of our land line, because they kept calling relentlessly! Even though they were aware of the situation! They tried to foreclose on us numerous times over a period 10 years! We spoke to XXXX lawyers! No one knew how to help us! So we began looking for help elsewhere! Eventually, our XXXX Lawyer was able to help us! He put a restraining order against Wells Fargo, so they were not able to foreclose on us! As they were still trying to foreclose! We spend almost {$40000.00} out of pocket to our Lawyer to fix the problem! Because Wells Fargo refused to work with us! We lost hair and sleep for almost 10 years! Waiting for the sheriff to come evict us! Our Lawyer resolved the issue 2 years ago! Our credit was ruined for the entire time! And has just begun to recover! We did nothing wrong! We were victims of Mortgage Fraud! We also received numerous letters from the Justice Dept detailing the prosecution of the people responsible at XXXX XXXX!
Product: Credit card or prepaid card

I recently acquired an American Express Platinum Card which as a benefit allows you to get an American Express Gold Card for free. I chose to get the Gold Card with my Platinum card because it receives a slightly better point structure for restaurants, as outlined in their terms of service ( attached ). American Express does not appear to be giving the appropriate rewards points structure on the Gold Card. They treat this card as a Platinum card despite it being physically a Gold Card and represented as a Gold Card in their benefits pages. I have contacted American Express and they have been unable to show where in their terms of service the Gold Card that you get as a benefit from the Platinum Card will earn points like a Platinum Card. Even the supervisors I 've talked to on their customer support line have admitted they can not find something that outlines their current practice and overrides what is written in their terms. 

Timeline : - Approximately XXXX Call and order American Express Platinum and Gold card. 
- XXXX Receive and Activate American Express Platinum card. 
- XXXX Receive and Activate American Express Gold Card. 
- XXXX Contact American Express Customer Service after noticing my Gold Card was not earning 2x points as described. 
- XXXX Mailed via Certified Mail Claim Notice ( Attached ) - XXXX Receive phone call from American Express, Talk briefly where they re-itterate their point. I do n't have time to discuss further and ask them to call back another time due to me being in a meeting. 
- XXXX American Express calls back at the same time. 
- XXXX I call American Express back. Discover they have closed my Claim and  reopen a new claim, which I ask them to escalate to corporate after getting the run around. 
- XXXX Talked with representative from American Express that describes internal documents that state that the Gold Card should earn points like a Platinum Card but not a Gold Card. He is unable to share this documents with me because they are internal only. He again escalates to corporate. 
- XXXX Requested Meditation with XXXX XXXX XXXX ( Attached )
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My loan was sold from XXXX XXXX XXXX & Reporting to JP Morgan Chase Bank In XX/XX/2018. At the time my loan was sold I was 3 months ahead on my payment. I do this intentionally as I am a self employed person and want to be ahead on my payments. I have called and requested payment coupons twice and have still never received anything. They have told me that I was current and my next payment is due in XX/XX/XXXX. I am frustrated that they will not send me anything so that I can stay ahead of my payments. Over the last two months I have been paying interest on the principal balance. If you look at my history with my previous loan you will see that I not only pay ahead but I pay extra to keep my balance decreasing. Is there any way I can have my loan transferred back to the previous servicer? I am very displeased with the current servicer and there lack of customer service.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

In the past Ive sent money to the wrong person without noticing and couldnt get my money back, there was no way to confirm recipients info.
Product: Credit reporting or other personal consumer reports

My identity was compromised because of the XXXX  data breach and the millions of Americans who identity was stolen from the XXXX data base account XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE ALL COMPROMISED ACCOUNTS. THESE ACCOUNTS ARE NOT MINES THEY HAVE BEEN CAUSING MY LIFE STRESS AND VERY PAINFUL TO BARE, THIS IS ILLEGALY AND I SHOULD NOT BE LIABLE FOR THESE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

i never got a loan from XXXX XXXX XXXX i never went to school in the usa so no need to get a loan XXXX XXXX XXXX is reporting incorrect and wrong information on my credit report
Product: Debt collection

I lived in XXXX XXXX apartments from XX/XX/XXXX to XX/XX/XXXX. When I moved out, I was not sent a bill through paper mail or any other outlet. I was not notified that I could dispute the debt. I did not receive notification until my bill had been sent to collections without my knowledge and it was shown on my credit report. The bill was {$250.00} for carpet replacement and extensive trash removal. I tried contacting the apartment office through many outlets and received no response. I do not believe the debt belongs to me, I believe it belongs to the person who rented the other unit in the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, and I always do my payments on time. However, I noticed that there are late payments reported on my Credit File. You see I have a steller payment with this compaany and I was never late in paying. I kept my own records of payments and the information they present is totally different from what I have. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$920.00} Date Opened : XX/XX/2015
Product: Mortgage

My payments through XXXX 2016 my payment was XXXX where a percentage went toward the principal and an additional percentage went toward interest. As of XXXX XXXX, my mortgage company changed my payment from XXXX to XXXX and put it all toward interest, with nothing going to the principal. They did this without contacting or notifying me of any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I noticed my credit score went down by XXXX points! The only recent change to my report was a payment that reduced what was owed to that particular card down by {$640.00}. In the past, anytime I pay my bills on time, and/or when my balance gets paid down, in turn my credit score either goes up a point or two, or it remains the same. Important note : I did not pay this CC off. I made an on time payment that reduced the balance by {$640.00}. 

For my credit score to plummet by XXXX points after a payment is made is absolutely crazy. I ran a credit report that shows Transunion looked at this one CC account on XX/XX/2022. The very same day my overall score went down. It appears to me they are basing my entire score on this one CC. 

All of my accounts are on time with 100 % paymen history. The majority of my other CC 's are either paid off, or they have a lower balance than this card. I recently lowered my overall credit card usage from 57 % total usage, down to 46 %. This particular CC has a higher balance. The interest rate is lower, so I pay this one down last. For Transunion to arbritarily deduct XXXX points from my overall credit score should be illegal. My entire credit score should not be based on one CC card balance. 

I contacted Transunion by phone on Monday, XX/XX/2022. I explained the problem in detail to the first lady and then to her supervisor. Both had very strong XXXX accents making it a bit tough to understand them. But I remained patient and polite. The two representatives I spoke to could not help. They had zero answers. It was a complete waste of time to listen to their montra of canned responses that were very obviously being read from a pamphlet.
Product: Debt collection

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.
Product: Mortgage

I fell behind on my mortgage after lay-off. I soon learned I would need XXXX before returning to work. I had the surgeries and was unable to return to my work as XXXX and now have been XXXX for a new occupation at less than half my former income bracket. I have applied for a Short Sale but still have a forclosure sale date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Disappointing! The XXXXredit Reporting Agencies have been ignoring my requests for the deletion of the disputed fraudulent accounts and information being reported on my Credit File. The Credit Reporting Agencies are required to verify and delete the disputed accounts and information that was opened due to identity theft under the Fair Credit Reporting Act section 605b. I personally contacted the Data Furnishers and inquired regarding the disputed accounts and information, they were responding to me proving that the Disputed accounts and information were erroneous in some way. Yet you are reporting the disputed items as verified and authentic! This action is a clear violation of the Fair Credit Reporting Act section 605b and is punishable by law. I am submitting this CFPB Complaint to urge you to comply with the Federal law and have the disputed accounts and information deleted from my Credit File before I am forced to take legal actions. Once again, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. The Credit Bureaus claimed that the disputed accounts and information belong under my name and was verified and yet they have failed to send me copies of proof of verification and or ay documents bearing my signature. The Data Furnishers themselves verified that the disputed accounts and information were erroneous. I need the disputed accounts and information completely removed from my Credit File as soon as possible.
Product: Debt collection

I just received notice from Equifax they completed their investigation as the alleged debt belongs to me. But, my rights to dispute, verify and or validate have been denied due to the fraudulent address thats still listed on my credit report for XXXX XXXX XXXX. Ive tried to contact them numerous times to advise not only am I disputing the debt, but the statute of limitations in the state of Washington is XXXX years, which per Equifax is from XX/XX/XXXX, therefore per the applicable XXXX in Washington state, is expired. XXXX XXXX XXXX did not respond to my certified letter. Lastly, I sent the same documents to XXXX as I did Equifax and they remove the collection from my credit report XX/XX/XXXX. 

How am I supposed to properly dispute a debt if XXXX XXXX XXXX refuses to accept certified mail?
Product: Credit reporting or other personal consumer reports

Someone is apply for XXXX XXXX XXXX XXXX XXXX times a month without my knowledge for a total of XXXX inquiries that i have no idea about
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Fed Student loan that is serviced by Nelnet I was a good payor and then due to employment reasons went into forbearance for 3 months - I waited too long to contact Nelnet to extend the forbearance and they reported I was late with payment. Because I did not consolidate the student loans there were 8 separate loans all listed as late. Because of this my credit score plummeted and now I am unable to get an apartment car lease or anything else. Help. Why should my life be ruined because of one late payment. Thats all it was was one late payment that has even affected my employment. Please help me as I am hopeless at this point.
Product: Student loan

I have submitted my SAVE application on XX/XX/XXXX to reduce my student loans by XXXX to {$200.00}. During that time they said they would send an email every 10 days to know the status of your application. I have not heard anything since. On XX/XX/XXXX I was required to pay an absurd amount of my student loan even though I can not afford it and my save plan is still processing. I have tried calling every week since XX/XX/XXXX and every time I call, I never get a person on the line, I wait two hours and the phone gets disconnected, and I have tried emailing with no responses. This is not ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my efforts, Experian has not responded to my request, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Experian is reporting an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 

Experian has included an account attributed to XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has reported an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 

Experian has included an account attributed to XXXX XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has reported a late payment for the account under XXXX XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$330000.00}. I want to clarify that this account was never late, and I request that Experian removes the late payment notation from my credit report. 

Experian has provided inaccurate information regarding the XXXX XXXX account, with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$25000.00}. The reported high credit amount is incorrect, and I request that Experian corrects and updates this information on my credit report.
Product: Debt collection

I received notification XXXX XXXX, 2016 of a collection account with this firm. I filed a complaint because I have never heard of this firm, or the debt listed on my credit report, I was never notified of the debt in writing. On XXXX XXXX, 2016 XXXX from the compliance department called and said they had the wrong address. He agreed to remove the debt from my credit report within 24 hours if I paid. Even though the debt was never verified, I agreed to pay the sum of {$300.00}, and paid with a credit card since the reporting of this collection account has a catastrophic impact on my credit ranking and banking relationships. Within 24 hours the account was removed from XXXX. However, the account was added to XXXX on XXXX/XXXX/16. Voicemails to XXXX at XXXX XXXX XXXX have not been returned.
Product: Mortgage

My mortgage is serviced by Rushmore Loan Management. Rushmore has been servicing my loan since XX/XX/XXXX and overcharges me every month. As of XX/XX/XXXX, the fraudulent charges from Rushmore reached {$43000.00}. My past due interest is {$94000.00}, unpaid escrow is {$21000.00}, and no past due principal. Totaling {$110000.00}. These figures are from a Rushmore payoff Statement and are consistent with the terms of my loan. However, Rushmore 's XX/XX/XXXX monthly statement states that as of XX/XX/XXXX, my total overdue is {$150000.00}. 
The overcharges stem from Rushmore multiple mistakes and fraudulent acts : 1 ) Overstating the past due amounts incurred before my loan was sold and Rushmore became the servicer. These overstatements are from XX/XX/XXXX - XX/XX/XXXX and total {$12000.00}. 2 ) Rushmore is collecting for a past escrow deficiency of {$21000.00}. This is legitimate. Rushmore bills me at least {$2300.00} each month to recoup this amount. When I do not pay it, Rushmore adds {$2300.00} to my past due amount. That is NOT correct. The past due amount of {$21000.00} remains unchanged and does not grow each month. This overcharge for 9 months is {$21000.00}. 3 ) I do not know what the remainder of the overcharge is. 
I have raised these issue with Rushmore multiple times and they do not address it and don't appear to have the competence to figure out that their systems are making mistakes. Rushmore 's gross $ XXXX overstatement of my past due charges has harmed my ability to be fairly considered for a loan modification. And Rushmore is reporting the overstated charges to the credit agencies, hurting my credit more than it deserves. 
I hired Consumer Arbitration Services to Help me after no success on my own, but XXXX XXXX XXXX is a fraudulent firm. 
A foreclosure sale has been scheduled for XX/XX/XXXX. Even if CFPB can't stop the sale, I need help so that Rushmore stops overcharging me and not giving me a fair shot at a loan modification. 
Also, XXXX XXXX XXXX XXXX  XXXX needs to be disbarred and put out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect accounts are reporting on my credit report US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX
Product: Checking or savings account

American Express serve locked my account. Get a email that says to call the number on the back called multiple times at different points in the day ( 24/7 number ) it either hangs up right away, or wait on hold for 3 hours then hangs up. XXXX I found the American Express credit card number they answered instantly, and could not help with the serve account and reassured there is people working taking calls for serve but he can not help. XXXX XXXX XXXX XXXX. 

XXXX team has been useless and non helpful as well. With multiple likes and comments saying the same issues have been occurring with them.
Product: Credit card

Its been like 8 years with capital one I let them know someone used card and did big transactions and it wasnt me they process to say its me and I let them Know immediately when it happen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes regarding this issue!! I received a letter from Equifax dated XX/XX/2022 stating that they have verified this alleged XXXX  with XXXX XXXX and XXXX XXXX XXXX XXXX. Meanwhile I received a letter from XXXX XXXX on XX/XX/2022 stating that this XXXX XXXX has been removed due to incorrect information. I also received a letter from the XXXX XXXX  XXXX stating that they do not verify any information with credit bureau 's. I submitted a complaint via CFPB and EQUIFAX AGAIN!!!!! stated that they have VERIFED this account!! WHICH IS IMPOSSIBLE!!!! Equifax is now in violation of several consumer laws! I did not receive a fair investigation and they are failing to follow proper dispute procedures according to FCRA guidelines. They are not furnishing and reporting inaccurate information and according to 15 USC 1681s-2 ( A ) ( 1 ) it states that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have the right to an accurate credit report. I also have the right to seek damages for violations according to FCRA. If this is not removed, I will be seeing legal counsel for Willful violations. 
I have attached correspondence from Equifax, XXXX XXXX  and The XXXX XXXX XXXX.