23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My dad passed away in a XXXX. He was the only one on the loan but had his wife and his daughter listed on the Deed. I 'm working on removing his name from the title so I can refinance the loan and take over with the help of my younger brothers but the lender is not talking to us and it looks like they are not taking our payments. I know that we do n't have to go to probate because there were more people on the Deed but according to the lender we need to go to probate to get an executive to represent my dad 's state. My dad was having financial difficulties because of his age and limited for employment. We are devastated for his loss and the loss of my brother within a year and on top of that struggling to keep his home for his wife and younger children. I already contacted a lawyer and I know we have to pay a lot of money to go to probate. According to CFPB rule we should n't be struggling with this situation but I just do n't know how to go from here. Please help!
Product: Debt collection

Collection Professionals, XXXX XXXX XXXX, XXXX, UT XXXX, phone number : ( XXXX ) XXXX, has repeatedly called me and sent my letters in the mail trying to collect a debt on the behalf of XXXX XXXX XXXX XXXX for the amount of {$1200.00} for almost a year. I have repeatedly ( at least 3-4 times ) asked them to mail or email me a copy of the itemized statement over the various months so I can verify the amount owed. On XX/XX/year> I reached out to Collection Professionals again to ask them to send me the information I have repeatedly requested and I spoke to a woman named XXXX XXXX who told me she could email me the itemized statement and that she would be requesting that information for me. It is now XX/XX/year> and I called them for the final time today and I spoke with a woman named XXXX who said that they have not been able to get the itemized statement for me and she would put in another request. I will not be paying them until they can show me this itemized statement and I do not believe this should be reflected on my credit report until they can give me the documentation I have requested. My reference number for Collection Professionals is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute a fraudulent account .I am a victim of identity theft, and I this is not my account. I am requesting that you investigate this account below. It should not be on my Equifax Report. Please investigate remove this account as soon as possible. In addition, pursuant to..as a victim of identity theft I am requesting that you provide me with copy of my report once this is removed. I am a victim of your data breach in XXXX as well as XXXX data breach. 


Please remove the account below. 
XXXX XXXX XXXX XXXX XXXX This do not belong to me.. 
There is not original creditor on my profile but the account number XXXX ( It says medical but its not specific this is breaking the Hippa Law and this do not belong to me Also I have several unauthorized inquires delete. 
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I started dispute processes with XXXX, XXXX, and Equifax to dispute the 16 open XXXX XXXX accounts that were still showing as open since XX/XX/2022, although my loans were transferred to XXXX starting in XX/XX/2022. XXXX is showing my loans as consolidated on all three credit bureau 's, which is correct. My issue is with XXXX XXXX who's loan transferring process is inadequate as they have failed to properly update my credit reports with the three credit bureau 's. I called XXXX XXXX in mid XXXX prior to XX/XX/XXXX and requested they correct this information as it should have been done after transferring my loans to XXXX. XXXX XXXX has a very time consuming process of printing a form to correct credit issues and mailing it back. This should have been done as apart of the loan transfer process. So I decided to go directly through the credit bureau 's for a faster result, XXXX and XXXX have properly updated my credit report to XXXX  out the balances with XXXX XXXX and closed the accounts. Equifax has failed to correct my credit report because XXXX XXXX is reporting to them that I still have a balance with them and that the account is still open, this is false, although my XXXX XXXX website dashboard shows loan balance as {$0.00}, XXXX XXXX is still reporting inaccurate information as if my student loans are still held by them and their not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this accounts that i want to remove from the 3 credit reporting agencies as they does not belong to me. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Sheffield Financial ( a division of Truist ), XXXX, ran my credit report and used a XXXX party vendor to verify my information ( phone number ). I was initially approved, but when I couldn't verify an old phone number, which I changed over a year ago, they denied me credit. I then proceeded to ask for the company they used so that I may correct the error or dispute it and they refused to provide me that, then I asked for my consumer report and credit they used and they also refused to give me that information then accused me of attempting to commit fraud against myself. A phone number is not an identifying feature of my personal information and they then refused to use my drivers license, check stub, bills, or any other method of verification outside of an old phone number. These people were downright rude and refused my rights to a credit/consumer report so that I may correct the error.
Product: Credit card or prepaid card

XX/XX/2022 - I called Chase Travel, through which I booked a vacation to XXXX and let them know that I had emergency XXXX XXXX and would not be able to make my flight on XX/XX/2022. Chase Travel told me they could not give me a refund only a travel credit for XXXX XXXX ( XXXX  ). I previously had a bad experience with travel credits for XXXX wherein to use the travel credit would cost more money after paying the fare difference than to book an entirely new flight. So I refused the travel credit. They advised me to call XXXX XXXX XXXX  ( XXXX ). I called XXXX and they told me that even though the flight was non-refundable, they will not reimburse me for my flight if chase travel/XXXX offers a travel credit or can rebook my flight. The trip cancellation/interruption insurance is one of the reasons I got this card. 

XX/XX/2022 - I called Chase travel to confirm how much it would cost to change my flight. They told me the new fare was {$30.00} cheaper and I would lose the balance. I said ok and needed to confirm a few things and that I would call back. 

XX/XX/2022 - I called chase travel to change my flight. They told me it would cost {$170.00} to change because of the fare difference. My original fare was {$600.00} and apparently the new fare was {$770.00}. I looked online and the flight costs {$540.00} on XXXX  website. So even though there are no fees for flights changes they hike up the fare difference by an exorbitant amount such that the no change fees and travel credit policies are illusory. For the second time in 2-3 months I am forced to either pay hundreds of dollars to use my existing flight credit, which disqualifies me from claiming trip cancellation insurance, or booking an entirely new flight. So, Chase Sapphire Reserves card benefits are completely illusory and a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have not removed unverified derogatory items from my report. They have violated Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
Product: Mortgage

I had a mortgage with XXXX XXXX/Select Portfolio Servicing and never did receive a proper loan modification. I suffered a XXXX XXXX among other things in XXXX. It forced me to get behind on my payments. XXXX XXXX filed suit foreclosure on me in XXXX. I was making payments up until XXXX. The home has always been in my name. My daughter lived with me and paid rent and utilities ( documented ) because I was older and than she had some problems of being XXXX becoming a victim of XXXX forced her to move out for safety reasons. I felt behind and became sicker. XXXX XXXX along with Select Portfolio and their attorneys XXXX XXXX XXXX sued me and what they did is highly illegal. I started receiving court papers. They named my daughter as a co-borrower and my daughter was NEVER listed on the mortgage as it is clearly stipulated. They added her name in court lawsuit and the lawyers back dated a Mortgage Summons to XXXX and the case was not filed until XXXX. I was paying my mortgage but felt extremely behind because of severe illness and XXXX on my daughter. XXXX XXXX, Select Portfolio Servicing and XXXX and XXXX started sending my daughter lawsuit threats adding her to a foreclosure that she had nothing to do with. I recently called Select Portfolio Servicing and their Sr Rep told me that my daughter was no where on the mortgage or as a borrower of any sort, so XXXX XXXX, Select Portfolio Servicing and XXXX XXXX XXXX lied! They forged my daughter 's initials on papers and committed fraud and deception on my daughter and me by backdating court documents that are untrue. They purposely omitted the fact that my daughter only paid rent and they omitted all rent receipts. We have recently relocated due to health reasons and safety reasons but a family member is at the house until sold. I am working with XXXX for a Short Sale and when I have tried to talk to Select Portfolio Servicing because XXXX wo n't talk to me, they do n't want to hear about a Short Sale. They have my house scheduled for aution on XXXX XXXX, XXXX. I have filed in court Appearance and Answer to Complaint on Foreclosure Mortgage and indicated my daughter 's name is illegally on these court papers and she is not the borrower and that I am trying to do the best I can in selling this house in a Short Sale. Please help me because they are commiting fraud, deception, forging my daughter 's initials/signatures back dating documents, to XXXX and XXXX illegally and ignoring any communication I try to do. I want to press charges as my rights and my daughter 's rights under the FDCPA and FCRA are clearly violated.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my XXXX, you are reporting these accounts incorrectly. These collection accounts are reporting not only as XXXX, but also shows a past due balance of {$990.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have submitted several disputes regarding XXXX  charges. Capital One is my credit card company. They are not helping me resolve the dispute. They just require information that I already sent. When I send it again, they charge me back and close the case. HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Was told it was a soft inquiry XXXX Delete Inquiry XXXXXXXX XXXX XXXX XXXX Was told it was a soft inquiry - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXXXXXX XXXX - Was told it was a soft inquiry/pre approval - XX/XX/2022 - Delete Inquiry XXXX XXXX - Was told it was a soft inquiry loan - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX XXXX Was told it was a soft inquiry I later took out a loan from them and now it appears twice - XX/XX/2022 - Delete Inquiry
Product: Mortgage

My Mortgage was recently sold from JPM Chase to a Mortgage company called XXXX XXXX. I received notification of this around XX/XX/XXXX from Chase Home Loan. I was with Chase since the existence of this loan form XX/XX/XXXX. I understand the terms that this could be done at anytime during the course of the length of this loan. The reason I'm filing a complaint with the CFPB is that my credit score as of today has dropped 13 points. and the reason is because Chase has indicated on all 3 credit reporting agencies that my mortgage loan is CLOSED! In big bold red letters indicating ACCOUNT CLOSED. A note from my credit monitoring service says between XX/XX/XXXX and XX/XX/XXXX it appears Chase has closed a mortgage account in my name. I called Chase to inquire about this and they transferred me to a person who handles credit reporting in that department at Chase. After asking for my personal demographics to identify me, he looked at what Chase has placed on my report and he says it says transferred, But I told him it says closed and this has caused my credit score to go down considerable. They asked if my new loan holder was on my credit report. I said no. I have had a 23 year credit history with Chase home loan now they have caused incorrect credit scoring on my report. The he says wait 2-3 months and your score will increase with the new mortgage company. Like he wants me to wait to start over something it took me almost 30 years to build up
Product: Money transfer, virtual currency, or money service

I was scammed into sending money. I know that was my fault on XXXX through my bank account. I tried to cancel the transaction. On the XXXX  it says while the transaction is pending it can be canceled. When I finally got someone on the phone after waiting a hour maybe he said it showed as pending. After being on hold for what seemed like forever I was told it couldnt be canceled.
Product: Vehicle loan or lease

On XX/XX/XXXX, Capital one bank withdrew my carpayment of XXXX from my savings account. On XX/XX/XXXX another withdraw of XXXX came. I have had autopay XXXX and have never used that autopay feature. I called Capital one and spoke to XXXX agents. They told me they could write a check to me and it would take XXXX days. The XXXX person stated it would be faster to go to the bank. On XX/XX/XXXX I went to XXXX XXXX  and filed a dispute about the charge. The money was returned on XX/XX/XXXX. 

On XX/XX/XXXX, I payed went to pay my car payment and saw that autopay was turned on still and the payment had been withdrawn. I went to make sure autopay feature was turned off. 

On XX/XX/XXXX, I payed my car payment and saw that auto pay was still on after I had ensured it was turned off. I paid the payment on my mobile app. On XX/XX/XXXX, I checked my account and the car payment had been withdrawn 2 times again. both for XXXX. I contacted XXXX XXXX  first to see if it was a mistake and they stated that one was a direct debit and one was an Auto payment. I called Capital one and asked to get the money back and the woman stated that I would have to wait up to 14 days for a check or I could dispute the charge with the bank. This was an unsatisfactory option and I asked to speak to a supervisor. I left a message and was returned a call a few hours later. XXXX was the supervisor and he was kind and understanding. He requested a fax showing that the charge had cleared my account and I faxed it to him the next day. He contacted me again on XX/XX/XXXX and told the that the company would send in an instant refund which would take XXXX hours. 

On XX/XX/XXXX, I had still not seen a return in my account. I contacted Capital one bank and they told me it had been sent and cleared. XXXX was not available but another staff member in the XXXX office told me this. She said she would leave a message with XXXX and that he would contact me. She asked me to speak to the bank and ensure it is not being held for some reason. 

On XX/XX/XXXX, I checked my account and there was still no refund. I recieved a call from Capital one, XXXX, stated that everything looked good on their end and that the money had been refunded. He asked me to call XXXX XXXX  just to see. 
I called XXXX XXXX  and they told me there was nothing they could do. I asked for evidence that the money had not been cleared and that I needed something in an email stating these facts. That will be a whole nother complaint. 

I asked for documentation from both organizations several times specifically through email and both stated they did not do email.
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 {$2300.00}, {$4400.00}, {$0.00}. 
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 outlining 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, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card

This is regarding my Citi Best Buy credit card. They had promotion which I took advantage of. Promotion was for purchases over {$500.00}. You can payoff the same in 6 months without incurring any interest essentially deferred interest. 

I have Promotion which expires on XX/XX/2023. In my XXXX billing cycle I had some other purchases in the billing cycle which didn't qualify for the promotion and I have revolving balance. When I made payment for my XXXX billing cycle. I was expecting my payment to be applied to my revolving balance first so I am not incurring fees or interest but instead the bank applied to Promotional balance and I will now incur the interest on revolving balance although I have 28 days to still payoff my promotional balance. 

Bank had done this last year to me and that time they had way to correct the situation. But this time agent and their supervisor told me their system has changed in XXXX and they are no longer able to reapply payments as per my request. 

As it stands today no one can tell me how to correct the situation. I asked bank to file complaint and they put compliant but there is no outcome expectation as they said there may be follow-up from bank if they need anything from me otherwise they will review.. As a customer this completely misleading. If promotion is for 6 months and there is date published online, bank should not have applied my payment this way. Additionally, if they want it to behave this way then end promotion on the billing cycle. This completely misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Not sure who's they are as they don't belong to me. Please remove them from my credit.
Product: Student loan

I have a federal and a private loan originally with XXXX and now currently with navient. Both loans have the same account number however come in different payment books. At one time I was even sending the payment to the same address so it made sense to send payment with my pay stub and two separate checks but in the same envelope. The payments were always made out for the Amount that was owed on the payment stub however navient would often times apply. Both payments to one loan whichever was n't due as soon and then when the other loan would default they would charge a late fee and start the harassing phone calls that would n't end. I have discussed this with them many times and they always say they have it taken care of. Also my repayment plan that I was on and was affordable was never explained to me to just expire one day and triple my payments with no other options and was givien to me under false pretenses saying that it would bring me up to date and current and that no interest was being charged. When asked what my new bill would be for each loan they could n't even tell me what I owed each Month but obviously still expected me to pay it. They are an awful crooked company and I want justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint on Tranunion, XXXX  & XXXX  due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately. 

The following accounts are in violation and need to be deleted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Credence resource management is re-aging a past debt that was removed and it has damaged my credit they havent sent any account information for debt and i would like to have the debt removed and credit repaired
Product: Credit reporting or other personal consumer reports

I recently looked over my credit report and became aware of an account that was not reporting accurately. There are 3 late payments on this account that i did pay on time. the consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments and all agencies will be reported with incorrect information. I have attached the appropriate documents from my report to this complaint on the following dates ( XXXX, XX/XX/year> ) I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. if this information can not be verified I demand these payments be updated be updated to paid on time immediately. thank you for undedrstanding and for immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address oXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.