23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been attempting to sell m home via a short sale since XXXX of 2019. My lender Mr. Cooper has not cooperated with me throughout this entire process. My realtor has been assigned several negotiators and each time the short sale process had to start over. The last negotiator that was assigned had been giving my realtor false information via XXXX. One example being that my property had to go through a short sale valuation program via XXXX. She told my realtor several times that she was waiting for a date for the property to go through the program when the whole time the property was denied for the program. Secondly my property has had at least 8 valuations done, both appraisals and BPO 's, all consistently coming in around the same value. Several different offers were submitted for full price of the value. They were denied because either the negotiator/lender allowed the values to expire or excessive fees as the lender stated. My realtor worked to get the fees removed or reduced as Mr. Cooper asked and resubmitted the offer. The negotiator has allowed the offer to sit on her desk for over 30 days stating the internal system wont update and that she cant do anything until Mr. Cooper fixes the system. Now I have a sale date and the lender wont stop the sale date to review and approve the latest offer. To me it feel as though Mr. Cooper is trying to force me into foreclosure instead of helping me as they state they will. The negotiator XXXX XXXX is pretty much very non responsive and doesn't really seem to care about my situation as well as the rest of Mr. Cooper 's staff. I have done everything that has been asked of me. I have called Mr. Cooper several times to try and assist my realtor to help move the process along with selling my property but haven't gotten anywhere. To me it doesn't make any sense that I have a BPO done on my property on XX/XX/XXXX and on XX/XX/XXXX, the internal system for Mr. Cooper is not updated to show that value and therefore the negotiator chooses not to do anything with my file other than says she has to wait until the system is updated and the valuation is updated. That's 30 days that has been lost and the amount of time we have been waiting on an answer in reference to the offer that was submitred with the fees waived or lessened as Mr. Cooper asked. Its also mind boggling to me that all the offers that were denied, were denied pretty much immediately but this one has been delayed or ignored after all instructions were followed after being told what was need by Mr Cooper. Mr. Cooper and the negotiator XXXX XXXX needs to be held accountable for this. I am losing my home to foreclosure and they aren't willing to help only willing to push me further into foreclosure. Please help me
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan for {$9500.00}, I only used {$4700.00} and requested that the loan be closed. The loan was never closed and I was told the company could not email me information regarding the loan.
Product: Credit card or prepaid card

On XX/XX/2018 a check from XXXX XXXX was deposited with Citibank. The check was to payoff my credit card balance but was in an amount greater than the balance, leaving a negative balance. 

As I made the deposit, I requested the excess payment be transferred to my checking account. 

I have called the Citicard number on the back of the card at least 5 times since then, most recently on XX/XX/2018, each time speaking to a different person, getting a different story about what is going on, promising different efforts to remedy the problem, but all with the same result - no money transfer and a remaining negative balance. 

HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

About 10 years ago I received a comprehensive credit report from Lexis Nexis and for the past 4 months I have been trying to order the same. Every, time I order one it turns out to be just insurance. I even described to the representative and they tell me they just deal with insurance when I describe what I am looking for, and I even spoke to a supervisor. Well, I was talking to a friend about my situation and she said she received her credit report from Lexis Nexis and showed me ... .AND ITS WHAT I HAVE BEEN ASKING FOR! 
I can not reveal her info to show what I was looking for. I feel like I have been discriminated against!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me, therefore Im demanding that these accounts be removed from my credit files.

1. Credit Factor Accounts ( XXXX XXXX ) 2. Credit Factor Accounts ( XXXX XXXX 3. XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure if this is the lender 's fault or Trans Union, but between XXXX XX/XX/15 Dept. of ED / XXXX account was removed, then My balance increased. This has always been an open account and it's been paused do the pandemic. All I know is it caused me XXXX points on my credit report. I want my score fixed, I've been working too hard to rebuild my credit and all of sudden someone made a mistake and caused me XXXX. That's not fair nor right, there should have never been an adjustment made. Should have never touched the account. Also I've tried calling XXXX and it keeps ringing. I can't get ahold of no one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my mortgage. I am requesting that the company mark my Credit report as Paid in Full. I had filed Bankruptcy XXXX but the mortgage was not included. That was discharged in 2017. I have attached documentation from the mortgage servicer that is was paid in full and also the wire transfer document.
Product: Checking or savings account

On XX/XX/XXXX I XXXX XXXX went to the chase JP Morgan Bank branch that's located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California to open an account because I received a check from my father for {$4000.00} to help with some car payment. 
I in fact was able to open an account that day with a woman named XXXX and she told me that my funds would not be available until XX/XX/XXXX XXXX XXXX XXXX Then I got notification that the funds ended up being available XX/XX/year> a couple of days earlier than expected but this was a check that I had received from my father from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX many times before and never had any problems with cashing it or depositing it into my account they said the check was cleared. Everything was fine for the next week. On XX/XX/XXXX we deposited {$500.00} cash at the ATM and we're attempting to pull out the amount of {$2800.00} from the bank account to pay for a new vehicle or a new used vehicle. That would have left {$100.00} in my bank account and as soon as I requested the amount of money they asked me to sit on the couch I had to wait like 20 minutes and then they told me that there was a restriction on my account because of the check that I had deposited that had cleared for my father before that they needed to verify it and they wouldn't really give me much information they gave me a phone number of XXXX XXXX ( option 1 ) So since late afternoon on XX/XX/XXXX up until about the evening of XX/XX/XXXX I've been calling this number XXXX and getting run around and around by either being told to hold and I'm on hold for like an hour and then ask for supervisor and I'm going to hold another 45 minutes or they said they're going to call me back and two more hours goes by and then the phone gets disconnected but no one ever solves the problem they just keep telling me the same thing over and over again and there's I see no resolution to this I just see them driving me crazy and I've been looking online and a lot of other people have been going through the exact same problem I don't know what the heck 's going on here but all I know is that at this point I would like to sever ties with the company Chase JPMorgan Chase Bank I would like for them to return the money back to my father 's account and cancel that check and I would like my {$500.00} cash back that I deposited and I don't want to have a account with them anymore or anything else to do with them anymore because something screwy is going on there and it smells fishy
Product: Credit card or prepaid card

On XXXX XXXX, 2016 I walked into Zales Outlet in XXXX Mall XXXX XXXX XXXX XXXX XXXX FL XXXX. To purchase a engagement ring and wedding band for my future wife. My plan was to pay cash as I had the money in my pocket to buy the ring and pay in full. The sales person that attended me was very nice and helpful about finding a ring and even helped me decide between two different ones, when it was time for checkout she asked me if I wanted to apply for a Zales card and I politely declined and stated that I was going to pay cash, she then offered me to apply for a Zales credit card again and said that if I got approved she will give me a nice discount on top of the Zales card discount, she said that there was a great promotion of NO INTEREST for the first year. It all seemed perfect so I went ahead and applied got approved and left very happy. Now a year later when I check my Zales account to see how much I owed after making over a years worth of monthly payments I come to realize that I owe more now then the original purchase price. When I called Zales they said I had 1 year of deferred interest and that after the 1st year all the interest no paid would kick in. I was in awe and felt deceived & defrauded. I tried to work something out with the credit card company ( Comenity Capital Bank ) but they refused to do anything about this, I even offered to pay my pre-interest balance in full with maybe a few months of interest and they also declined. The person at the store never said anything about deferred interest and they promote the card as interest free for one year, because they get bonuses for selling this. Please help me if possible and stop these people from defrauding others.
Product: Credit reporting or other personal consumer reports

I found out my informations been used on a couples activities that dont belong to my permission so I wan na report them
Product: Debt collection

I received 2 phone calls from this number on Wednesday ( XX/XX/XXXX ), 2 more on Thursday ( XX/XX/XXXX ), and 1 on Friday ( XX/XX/XXXX ). I did not answer the first four phone calls. However, I answered the call on Friday ( XX/XX/XXXX ) and was asked to speak to XXXX XXXX, I responded speaking. I was told that the purpose of this call was to collect a student loan debt for Navient, and then the call was disconnected after 26 seconds. I have not received a phone call since then. 

I am beginning to wonder if this phone call was from Navient after all, so I am reporting it as a scam.
Product: Credit card or prepaid card

I opened an acc ount   XXXX   XXXX    BrandSource card and Citibank took over. With   XXXX   XXXX   I had credit protection on the card. When Citibank took over the account, I was never notified that my credit protection would be discontinued. As a result, I have been hospitalized and had  XXXX  and have absolutely no credit protection. I have always paid my account on time before becoming   ill    in  XX/2016   and being hospitalized. I elected to have the credit protection insurance just in case something happened and to think you 're covered and find out you 're not has jeopardized my credit rating.
Product: Mortgage

I applied for and opened a mortgage with a mortgage company. Fay Servicing was hired to service the payments. I tried on two occasions to pay my payment, weeks in advance of the payment due date. I learned 2 weeks into the first payment period with Fay, that my payment was not received and that I was charged a late fee. Fay Servicing informed me that they could not take electronic payments. Every other credit card and mortgage company that I currently pay, more than 10 mortgages and 5 credit cards, takes electronic payment from my bank. I explained and offered to show that payments were made through my bank bill payer system, and were later rejected ( after I learned that they payments had not been processed ). I asked for a refund of the late fees, since I had no way of knowing that Fay would not take payments from a national bank, like every other mortgage and credit card company. How would anyone know that Fay, or any company, will only accept paper checks, without prior instructions? This is a predatory practice of forcing unfair late payments. A new mortgage takes a great deal of work and costs thousands of dollars. I can not simply find another mortgage company or processing company and I am forced to pay late fees, which are also higher than any other mortgage company that I have worked with.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX several times, including discussions with both customer service and their fraud department, regarding a late payment that occurred in XX/XX/year>. I was XXXX due to the XXXX XXXX XXXX XXXX  and, as a result, was unable to make the payment on the scheduled date. Prior to this, I had informed the company in advance and was assured that my credit would not be impacted. However, my account currently reflects a late payment in XX/XX/year>, which I kindly request to have removed.
Product: Credit reporting or other personal consumer reports

Issue : Equifax Account Accessibility, Verification Issues, Data Mismanagement, and Inaccurate Reporting I attempted to access my 3-bureau credit report but received the following error message : '' Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. '' This is the seventh time I have experienced this issue. Equifax 's inability to locate my file, coupled with repeated inaccuracies on my report, demonstrates a clear pattern of unprofessionalism and raises serious concerns about how Equifax is storing and managing consumer data.

Additionally, Equifax has a history of data breaches and systemic inaccuracies, which further undermines trust in their ability to protect sensitive personal information. The recurring issues with locating my credit file highlight ongoing failures in their processes and systems.

Resolution Requested I request that Equifax : 1. Verify and correct any inaccuracies in their records.

2. Delete the affected accounts associated with this issue.

3. Provide an explanation for why this issue has occurred repeatedly and confirm that my credit report is accurate, complete, and accessible.

4. Improve their internal systems to ensure such errors do not continue.

These are also affected accounts that were previously reported in CFPB Complaint ID XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of the account number I will also send this complaint, along with supporting identification and documentation, to the Attorney General 's Office for further investigation into Equifax 's practices .

This issue has caused repeated inconvenience and raises significant concerns about Equifax 's ability to safeguard consumer information, maintain professional standards, and comply with federal regulations.

Attached Supporting Documents and cover letter.
Product: Credit card or prepaid card

I booked a flight with XXXX XXXXXXXX on XX/XX/22. On XX/XX/22 XXXX XXXXXXXX contacted me to say that the flight had been rescheduled and offered to allow me to change the flight date. I changed the flight date XX/XX/22 but was charged XXXX, against their stated policy. I contested the charge with Capital one. I received a letter saying it was denied. I called capital one and they emailed me a form to upload documents. On XX/XX/22 I sent them the email from XXXX XXXX stating I would not be charged on. The email said I " may '' use a chat feature to reschedule the flight. Capital one said the merchant denied the claim because when they said " may '' they thought " may '' meant " must ''. Believing that words matter, I had changed the flight via a different option. Capital One further stated that my claim could have been denied because I had not contacted the merchant, however, I had contacted the merchant and sat on hold for over XXXX minutes before giving up. Capital one said they mailed a letter asking for more information on XX/XX/XXXX, but it was never received by me. Capital one should have known that words matter and that " may '' means " may '' and they should have charged the amount back to XXXX XXXX and refunded the full amount. They did offer a credit of {$100.00} which is not sufficient.
Product: Credit reporting or other personal consumer reports

Chex system is reporting 2 bank accounts that I NEVER AUTHORIZE FOR THIS ACCOUNT TO BE OPEN I informed them that this is not my account i also ask for a debt validation because this was open up online and the information is not accurate also XXXX XXXX XXXX XXXX have names that are not mine XXXX XXXX XXXX XXXX IS MY ONLY NAME AND THE REST I ASK TO TAKE OFF I NEED YOU GUYS TO DO YOU WORK YOU GUES WAS JUST SUED I WANT THIS XXXX OFF MY FILE 15USC 1692G DEBT COLLETORS HAVE MUST VALIDATE DEBT I HAVNT RECIEVED ANYTHING BEcause they dont know the address and i have proof XXXX XXXX is a very old adress i havent use that over 25 years i want this debt removed UCC 3-501 I have the right to demand original proof and i have they cant provide me where i sign my signature this was open fraudulent and trying to make me pay again I will have both CfPb investigated if you going off they validate because i never received anything look at my credit file i also told you guys i was a victim identiy theft i also have phone converstion where i found out about this and called them trying to tell them it was fraud I WANT OFF I NEED MORE OF AND INVESTIGATION ON I WILL WRITE CONGRESS AGAIN ON THE LACK OF WORK YOU DOONG
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.
Product: Credit reporting

On XX/XX/XXXX, XXXX XXXX contacted XXXX to pay the remaining balance on my XXXX XXXX XXXX XXXX XXXX card when we refinanced our home. I did not receive ANY online or mailed statements for the next two months. I assumed that my account had been settled and paid in full. On XX/XX/XXXX I received an email and a robocall call notifying me that my payment was overdue. I immediately called XXXX, and the customer service representative told me that there were some interest charges from XX/XX/XXXX and XXXX late fees. I let her know that I did not receive ANY notification about the late charges and agreed to pay the remaining interest. She stated that XXXX could waive up to XXXX late fees. I assumed from our conversation that this issue was resolved. On XXXX XXXX I received another email and robocall claiming a payment was overdue. I called and asked for an account manager since a customer service agent did n't resolve the issue last time. The account XXXX claimed that I had requested " paperless statements, '' but I let him know that I did NOT request this, and the only notifications I did receive were emails and robocalls in XX/XX/XXXX and XXXX about my payment being overdue, NOT a billing statement. He agreed to waive the XXXX late fees ( listed as " REFUND LATE FEE '' and " COURTESY REFUND '' on copy of account summary statement for billing period XX/XX/XXXX-XX/XX/XXXX ), and I decided to close my account immediately due to XXXX 's failure to communicate properly with me about my outstanding balance and false claims about the type of notification I wanted to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- CLOSED ACCOUNTS -- 1. XXXX XXXXXXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.