23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for forbearance on 4 mortgages I have with the same servicing company and was approved for the months of XXXX, XXXX, XXXX XXXX and XXXX. In XXXX I paid my balance in full on all four mortgages and resumed normal payment schedule. Mid XXXX they reported me 90 day late for XXXX, 120 days late for XXXX and 120 days late for XXXX. I disputed with the credit bureaus and company. On XX/XX/XXXX I finally received a call stating they found their system error and had reported back to the credit reporting agencies and the is would be resolved in 2 weeks. In deed by mid XXXX the credit reporting was correct. on XX/XX/XXXX they reported me late again on only one account this time. I showed up on my credit report on XXXX. I called the company contact and sent emails, but have not heard anything back. I have also filed disputes with the credit bureaus again.
Product: Money transfer, virtual currency, or money service

Trying to hook up so I can transfer money from one account to another PNC Not accepting transfer or intercepting.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and question I am in disagreement with the accounts listed above, which appears on my credit report even after your investigation I would like this immediately re-investigate that actress are highly entering my credit report they dont report to each bureau. They dont have the right addresses they do not have the right name associated with the accountant question. The balances are different from each bureau and this inaccuracy is with Trans Union and XXXX and needs to be removed immediately.
Product: Checking or savings account

I opened my account on XX/XX/XXXX under offer XXXX, which said I would earn {$300.00} if I deposited {$2000.00} or {$750.00} if I deposited {$30000.00} within 30 days and kept the funds in the account within 60 days of offer enrollment ; I also needed to complete 5 ACH deposits and withdrawals within 90 days. I brought {$30000.00} into my account on the the 30th day ( XX/XX/XXXX ) and kept that money into my account until the 61st day ( XX/XX/XXXX ). I also completed 9 ACH deposits and withdrawals within that time period. 

I only received {$300.00} on XX/XX/XXXX. I emailed support and they sent me the terms of the offer. I responded to that that I satisfied the bonus. They responded that I didn't. I responded back that I would be filing a CFPB complaint if they didn't pay the full bonus. They responded that they would like into it. 

I called their support as well. The first member said I did not satisfy the full bonus. I asked to speak to her manager. Her manager responded that I did satisfy the full bonus and that someone from the research team would reach out. They never did reach out. 

Throughout this ordeal, I have interacted with several representatives who did not understand the bonus and were trying to short change their customers. In this high interest environment, I am losing money because Chase does not understand that what they tell me does not satisfy their own terms that they told me. I would like the CFPB 's help in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

I do not owe this account or the money I have previously filed a complaint with exter and XXXX and have not heard anything from them or you regarding this negavite report I would like a validation of this account and the amount this company is reporting I 've already provided the documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX/Equifax XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$620.00} ), XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$450.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Original amount {$2000.00} ), XXXX  XXXX  ( Date Opened XXXX. XXXX, XXXX, Balance {$670.00} ), XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX  ( Date Opened Sep. XXXX, XXXX, Original amount {$520.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

There has been several hard inquiries being reported on my credit report that I do not recognize nor have authorized. 
XXXX XXXX # XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX  XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX
Product: Credit card or prepaid card

My credit limit on my Capital One card was cut from {$9000.00} to {$2000.00} overnight with no warning. I called the company today and they claim I wasn't using enough of my credit. I have a {$400.00} balance on this card which means that my credit usage went from .04 % to 20 %! This will impact my credit score significantly ... because of the usage and even when I pay that off, I will still have a drastic decrease in my overall available credit and I have higher balances on my other cards. With this cut, i estimate that my revolving credit usage will jump from a healthy range to 74 %! This will have a devastating effect on my credit score.  They gave no warning at all and will not give any solutions either. This puts me in serious financial jeopardy and came with no warning at all! They have done this to thousands of people. Please help us.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and assurances from your company, these fraudulent charges persist, causing significant stress and financial concern. 

The presence of these fraudulent charges not only damages my financial reputation but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is imperative that these charges are promptly removed to prevent any further damage to my financial standing. 

Furthermore, I expect to be compensated for any financial losses or damages incurred as a result of these fraudulent charges, as well as for the inconvenience and stress caused by having to deal with this situation repeatedly. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had a XXXX account that was closed without my knowledge I reached out to XXXX my credit score dropped XXXX points because the company said that they rebranded the credit card & I didnt have a balance because the card was already paid off in turn I left it open I did not close my credit card or give them permission to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX via XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXXXXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, Your Name cc : CFPB via fax ( XXXX ) XXXX
Product: Mortgage

My home loan was through CitiMortgage, Inc. My homeowners insurance was through XXXX , Mo , expiring XXXX. XXXX XXXX did not renew my policy and did not notify me of the non renewal. CitiMortgage purchased force-placed insurance on the structure only, not the contents but did not notify me of this. My house burned down on XXXX XXXX, 2015. I called my insurance company and was informed I had no insurance. I called CitiMortgage and was told it was notified by my insurance company of the non-renewal and had acquired force-placed insurance, but did not notify me as required by XXXX. I received compensation for the loss of the structure but there was no coverage for the contents. My attorney wrote a letter to CitiMortgage and we have heard nothing. I have calculated my loss that was not covered. XXXX XXXX XXXX XXXX and CitiMortgage should be responsible for this loss. After my house burned down on XXXX XXXX, 2015 I called CitiMortgage. This is when they told me my homeowners insurance had lapsed. They sent me a letter telling me about the force-placed insurance on the same day and I am attaching it to this complaint.
Product: Student loan

After being injured XXXX on the job, I went back to school and my mom co-signed on private student loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had no problem paying the monthly bills until my mom died last year, 2014. I wrote to AES/NCT repeatedly, contacted the original lender, XXXX, paid every amount third party collection agencies, such as XXXX, XXXX, asked. AES/NCT refused to extend a reduced payment plan that enabled me to pay my rent, bills, buy food, and pay AES. They said NCT refused ; however, when asked, AES said NCT does not hold the original loans, they do. They referred to NCT as the lender. I contacted XXXX XXXX ( CEO ) of AES and XXXX XXXX ( CEO ) of XXXX. So far, AES/NCT is refusing to deal with XXXX ( even though I have given my permission to speak with their Liaison ). They did not have a third party collection agency contact me about loan sequence XXXX and it went into default. I am not employed. I am a XXXX candidate just months away from completing my dissertation and they will not work with me and let me pay what I can afford. I am XXXX years old and so far, have been able to keep everything current until now. Because of the default, I can no longer get a XXXX loan to complete my degree and AES/NCT keep giving me the runaround but will not reduce payments to what I can afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccurate information on my credit report with experian to help clear my file. this has been an issue that needs to be resolved asap. ive listed all negative items. review an remove all listed items asap.
Product: Credit card

I have nearly XXXX points with capital one and XXXX cant access them on their app or using XXXX or chrome. This problem has lasted over one week, My account shows the balance but when I click convert rewards it goes to a blank page. I spoke with several representatives at cap one who provided no help and got transferred to a supervisor named XXXX ( employee number XXXX ) who was incredibly unhelpful. I am unable to access points worth thousands of dollars and I need to use them to book a flight to see my parents. This is obviously unacceptable. I have attached the screenshot of my account and point balance and the blank page on capital ones website I get taken to when I attempt to convert my rewards.
Product: Credit reporting

On XXXX XXXX, 2015 Equifax removed XXXX from my report on XXXX XXXX, 2015 it was added back to my credit report
Product: Debt collection

According to Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector from engaging in collection in Texas unless the have obtained a surety bond and it is filed with the State. 

The Texas Secretary of State has no bond on file for CMRE.

They are attempting to collect {$450.00} from me and damaging my credit rating as a result. It does not appear they are meeting the State of Texas Licensing requirements.
Product: Credit card

Citi is demanding that I pay for a mattress that I cancelled in a timely fashion and did not take possession of. 


Citi.com sided with a merchant who denied my legal right to cancel an order within XXXX hours. 

On an XX/XX/year> phone call, the owner of XXXX XXXX talked me into giving him my credit card number. He immediately charged my card for the standard, second-tier mattress model he wanted to sell me. He did not have a store. 

I decided to try mattresses in a store and canceled the order within XXXX hours. The mattress manufacturer, XXXX, states on its website that he could have canceled the order in that time frame. 

He did not cancel the order with XXXX as I instructed but continued to push and harass me to take the mattress in a series of emails. 

On XX/XX/XXXX, Citi emailed me my dispute erroneously listed goods not as described as the reason for the dispute, not as cancelled order. Cancelled order is what I had requested. The woman who took my dispute insisted on not as described, although I complained. Citi did not indicate they would fix the error. 

Citi gave the merchant until XX/XX/XXXX to respond. He responded with a bogus invoice that I had never seen or signed, I have only communicated with him by phone or email. That invoice is not in my emails. 

I protested and Citi reopened the case, but on XXXXXXXX XXXX, sent me a letter saying they had sided with the merchant who evaded my lawful right to cancel. Citi helped him. 

That is a shabby way to treat me, a loyal Citicard holder for 25 years. 

I cancelled the order in a timely manner and have never taken possession of the mattress.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Inaccurate Reporting to Credit Bureaus Account # XXXX Toyota Financial Services XXXX XXXX XXXX XXXX XXXX, IA XXXX Toyota Financial Services is reporting incorrect balance information about my Toyota account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued Toyota customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform Toyota Financial Services of accurate credit bureau reporting
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX there were 10 different withdrawals from my account for somebody that had use my account to buy some things online from a company. I dont even know who they are for electronics. These purchases were made when I was still asleep, and I didnt even go shopping online or anywhere else on XXXXXXXX XXXX  I filed a dispute with Chime about these charges. They approved six of them and four of them they did not approve. I requested information about what criteria they went by to determine that they were not going to approve those for charges and requested them to send it to me, however I have not ever received any reasoning behind their arbitrary decision to not cover about {$120.00} worth of charges I did not make on my account Im including copies of those that they covered in those they did not
Product: Credit card or prepaid card

I received a letter on XX/XX/XXXX that my Navy Federal Credit Union payment was late and due. I had not used the card since I opened it, so I logged into my account and noticed that there was a {$49.00} annual fee due that I had forgotten about. I immediately put my checking account information in to resolve the problem and avoid negative information on my credit report. I called Navy Federal to make sure the payment went through. I was assured the payment went through and there were no problems with the transaction. On XX/XX/XXXX, I received another letter stating that my payment was now two payments past due, and I also received notifications from my credit monitoring service that negative information had been added to my credit report. It was very surprising since I was told that the payment had gone through. I checked my bank account and saw that there was no payment removed. I called Navy Federal again and asked why the payment did not go through since my bank account had plenty of money in to cover the payment. They did not know what went wrong, so we went through the motions of making the payment again. I gave them the checking account number, which they confirmed to be the exact number I had given them when I tried to make my original payment. At this point, I called my bank to ask why the payment would n't have gone through, and they stated that the account number I gave was missing a number. I immediately called Navy Federal back to provide the correct number and make the payment for the full {$49.00} annual fee. I have made numerous attempts to resolve this issue with Navy Federal, citing that this was miscommunication of both  parties, without resolution.
Product: Money transfer, virtual currency, or money service

On Or around XX/XX/year> a scam took place on XXXX XXXX that took {$1500.00} from my account ONLY {$1000.00} was returned to to my Savings Account. {$500.00} was was returned to my account from XXXX and {$500.00} was returned from Capital One account. A credit card with {$500.00} was delinquent on that card. I paid XXXX on said credir card. The bank never refunded the balnce on the scam for which it was insured but continued to add interest to the credit card which make my credit score go down. The card ending in XXXX in arrears but can not be uesed.
Product: Mortgage

I requested documentation from Freedom Mortgage as of XXXX XXXX 2024 and XXXX XXXX 2024. Because of all the Escrow issues of non releasing of Tax payments and insurance payments, charging incorrect Mortgage amounts etc. So I realized that I needed to do a background check on their license to service my loan in XXXX  and to no avail No License. So my request went Unanswered. Then Freedom Mortgage reported me to several entities like the XXXX  and the credit bureaus. All of my rights was violated when my XXXX  was shared, 15 USC 1692i, 5 USC 552a ( b ), and my loan was obtained, XXXX5 USC Right to Privacy Act, no loan assignment 18 USC 8, no license etc
Product: Mortgage

Our mortgage payment was mailed in 9 days late. We received an extremely harassing telephone call from 21st Mortgage Company, threatening us with damaging our credit by reporting it late if we did not turn over our bank account information for immediate payment withdrawal, and telling us putting it in the mail was not acceptable. The person on the phone, when his information was requested, said his name was XXXX and he was our account manager, and refused to provide any other information. He repeatedly tried to bully me into providing my account information, and I finally cornered him into admitting the payment was not late yet. This is unacceptable.
Product: Debt collection

I.C Systems Inc. is trying to collect debt and doesnt have a license to collect debt on me in my state ( Florida )
Product: Debt collection

i never lived at those address that is associated with the debt i want the original copy with my signature