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

Haven't been able to obtain my credit report by mail or online since the end of 2022. The online portal advises " unable to complete your request ''. I have called and spoken with well over 20 agents who are unable to mail me a copy of my report and unable to provide me with online access.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX  XXXX XXXX  XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I dont and havent ever had any Accounts under the name Chase or JPMorgan Chase & Co. No Personal or Business Savings, Checking Accounts. No Credit Cards, Home Loans, Car Loans, nor Business Loans. Nor have I ever Co-signed for anyone or applied on behalf of another person for such accounts. Nor have I ever authorized anyone to apply for such accounts or Education Loans for me. Im NOT responsible for payment of such accounts ; not even for my children. Im not and I havent ever been married. My XXXX XXXX Accounts were closed associated with Theft and Tamper years before XXXX XXXX name was changed to XXXX XXXX XXXX XXXX ; of which, was years before I moved to XXXX, Georgia in XX/XX/XXXX. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Promotional inquiries showing and information wrong. Not a complete with all the pages.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX boat. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all XXXX credit bureaus ( Equifax, XXXX, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.
Product: Debt collection

I've received XXXX written communication from " Evergreen Billing Solutions ( XXXX ) '' on behalf of XXXX XXXX. I did receive health care from XXXX and it's possible I owe the amount stated, {$330.00}. 

After the first notice, I tried to visit XXXX ' website, but their site appeared fraudulent because their website ( XXXX  ) does not support a secure connection. As a consumer, I can't send payment information using an unsecure website without risking stolen credit card information. I called XXXX and left a message asking them to call me back, but they did not contact me. 

Today, I received a second notice. I tried their website again, but it is still unsecure. I tried again to call their listed phone number ( XXXX ) XXXX, but was unable to leave a message because their voicemail was full. 

XXXX has made it difficult to verify that the debt is not fraudulent and the ability for consumers to submit payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable build credit get personal report, improper use by XXXX after rejecting service information with in different credit agencies, checking accounts XXXX XXXX XXXX account tried paying off refuse to give information bank to the run arounds XXXX   XXXX XXXX rejected serve freezes deposit for 21 days b4 closing account .Contracts paid out still charge prorated fees.XXXX sol information even tho account was paid in advance fees on credit card.Unableto close credit card accounts after opening..XXXX, XXXX, Trans Union won't even release any of my information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received forbearance on my student loans through Fedloan, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, Fedloan must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/XXXX as well as XX/XX/XXXX through the current date, and have letters and documentation from Fedloan indicating such. Despite trying to work with Fedloan multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX obtained my mortgage. I paid them 33 payments from XX/XX/XXXX to XX/XX/XXXX-all cleared. ( See attached listing of payments. ) XX/XX/XXXX SPS Servicing obtained my mortgage. ( See attached letter. ) 14 payments have been made to SPS and they have all cleared. ( See attached bank statement sheets showing the payments paid. ) I received a notice from SPS telling me that one of my payments was None Sufficient Funds. I called SPS and one of the representatives told me that it was the XX/XX/XXXX payment. I went to my credit union and obtained a certified letter showing that the XX/XX/XXXX payment cleared. 
Then I called SPS again ( because my account was still showing behind 1 month ) and they told me that my previous servicer, XXXX XXXX, sent them a notification telling SPS that one of my payments to XXXX was None Sufficient Funds. SPS says that they had to pay back to XXXX one of my payments that was NSF -- -SPS took one of the payments I made to SPS and supposedly sent it to XXXX . I asked SPS to send me a copy of the notice that XXXX sent them. First they couldnt find it ; then supposedly they found it and they were going to send it to me, but I have not received it. Now my account shows 1 month late and SPS has already reported me to the credit bureaus and my credit scores have gone down. 
I called XXXX XXXX, my previous servicer, and explained the issue to them. They processed an investigation and called me back to tell me that they have not requested monies from SPS ; that my account is closed and paid with them and that they have no rights to my account and it would be illegal for them to ask SPS for monies due toward my closed account. I spoke to XXXX, at XXXX, at XXXX, email : XXXXXXXXXXXX. 
I called SPS to tell them what XXXX told me. SPS continues to tell me that one of my payments to them ( SPS ) is still showing NSF and that I am 1 payment behind. So do I owe XXXX or did one of my payments to SPS not clear? They are really confused. Its like nobody has really taken the time to review all the documents I have emailed them to make sense of this situation. 
As you can see from copies of my bank statements ( attached ) which show my payments to SPS, none of the payments have ever been None Sufficient Funds to SPS -- - And if I ever didnt have enough funds in my account, my credit union pays the withdrawal and then charges me {$30.00}. I have been trying to resolve this since XX/XX/XXXX, as you can see from the letters I have received from SPS. And of course now they want me to do a loan modification to fix the issue. I have to tell you that I really, truly feel sick to my stomach every time I have to call SPS and try to clear this up. If I owe the payment and someone can tell me, and show me, why and where I 'm wrong, I will pay it - But they can not give me a clear answer. 
PLEASE HELP ME.
Product: Mortgage

My husband and I recently sold our house, XXXX XXXX XXXX XXXX, to a couple, XXXX and XXXX XXXX, who bought the property using an FHA loan that was provided by the XXXX XXXX XXXX located in XXXX, Ohio, with a branch office in XXXX, FL. 

Prior to closing, Mr. XXXX XXXX, general manager of XXXX XXXX XXXX, insisted that the FHA loan provided by his company required the seals on windows in the garage to be repaired. To the best of our knowledge, broken seals on windows in the garage do not constitute a threat to the health or safety of the occupants of the home. Despite our concern that the demand to fix the window was excessive, we agreed to do this so that the sale could close. The window company could not complete the work before closing, so a paid receipt for the estimate of repairs ( {$550.00} paid by XXXX XXXX on XX/XX/19 to XXXX XXXX XXXX XXXX  ) was provided to Mr. XXXX so that the sale could close. 

Even though the work was pre-paid, Mr. XXXX insisted that an additional {$850.00} be held in escrow until the work was completed. To make matters worse, the escrow hold was not put on the closing disclosure provided for our review on XX/XX/19. It only appeared on the day we signed our closing documents, XX/XX/19. We unfortunately did not scrutinize these documents again, and agreed the the escrow hold. However, I believe that changing the closing disclosure on the day of closing is a deceptive trade practice. This should have been made apparent prior to closing so that we could dispute the {$850.00} escrow hold. 

I believe that XXXX XXXX, and specifically Mr. XXXX, has committed several abuses that lead me to believe that he should not be an agent for FHA loans. These include : 1 ) Excessive repair requirements to qualify for an FHA loan 2 ) Excessive and inappropriate escrow holds 3 ) Deceptive trade practices, including changing the closing disclosure document on the day of closing so that an escrow hold could not be contested
Product: Credit card

My information showed up on the dark web. According to my credit report. It shows my old address with an old email address, also shows that I opened the same new credit account twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have previously notified XXXX XXXX of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. XXXX XXXX  opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. XXXX claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. XXXX claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a XXXX Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge XXXX to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted XXXX from my number and I never went into a branch. I have literally never been into a XXXX branch in my life. XXXX is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from XXXX in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ). If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. The credit reporting agencies in the complaint ( XXXX and Experian ) and thusfar not done any sort of actual investigation either and have taken XXXX XXXX at their word and continue to report false, negative and harmful information about me to creditors. This will be the last complaint I file, the next step will be to file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 accounts on my credit report that do not belong to me I have been trying to contact the bureaus by mail or phone regarding this since XX/XX/2020 and they have done absolutely nothing about this I need this taken care if because it is affecting me in a negative way and these are not my accounts I should not be wasting my daily time to write letters open FTC and other reports to prove they are not mine. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Experian, XXXX, and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. Thank you.
Product: Checking or savings account

I opened a Capital One checking account 2 months ago. It's a join account I opened together with my husband and the purpose of account is pay a rent. 
In XXXX I tried to XXXX a money to my landlord but it didn't work. Capital One has a XXXX issue and they couldn't resolve it, I called them more than 10 times and went to the bank more than 3 times. The issue wa n't resolved. So I payed my rent by cash. But at the bank they told me I have an option to make a " Bill payment ' autopay which I did and set it up for every 25th in the month. I was charged on XX/XX/XXXX but the receiver has never got the money. Her bank is XXXX XXXX so we called her bank and they didn't get any transactions. I called Capital One more than 5 times and they don't know what happened with money and they don't know how to assist me. My money is stuck somewhere and I'm late with my rent. Could you please help me to resolve this issue and recommend me a legal help? 
Thanks in advance!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XX/XX/XXXX Phone Number- XXXX Inquires need to be removed are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello Credit Karma freeze my account 2 weeks ago with my money from payroll {$1400.00} and now I cant find the way to pay my bills or rent, they been saying they dont have nothing else to say, they dont know when they sending the check back with the money or when they unfreeze the account, Im super worried about my kids and family, Im the only source of income we have.
Product: Credit card

On XX/XX/year> I was paid {$44000.00} from XXXX XXXX and the amount was deposited in my personal checking account. Later in the day, I decided to transfer {$35000.00} to my saving account online. When I did the transfer, I selected the wrong account, and I transferred the {$35000.00} to my Bank of America credit card. The next day I signed on to my account and I received I made a mistake. I immediately called Bank of America to have them transfer the money bank to my checking account and I was told it would take 10 days because that was their procedure. I have called one more time during the 10 business days checking to make sure the money would be back in my account on XX/XX/year> however, yesterday I was told that the Bank representative did not complete the transaction correctly and now I needed to wait two billing cycles because I do not ever use my credit card. Two billing cycles per the bank is two months. I tried to explain to them that this is not correct, and the representative stated this is their procedure. can you please help me. 

I have been with Bank of America as a premium member for 41 years and never have ever bound a check. I have excellent credit in the high XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Waiting on response from lender and still hasnt responded. Filed with CFPB on XXXX no response. Court says its dismissed XX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian was given documentation as well as a CFPB report for removal of XXXX XXXX. Even while they got a digital, hard copy and phone call for the dispute they still have failed to resolve the issues and instead have continued reporting negative remarks. CFPB report states account to be deleted and it was deleted from other agencies but Experian has refused to comply both when requested over the phone and when emailed documents. Attached you will see the CFPB REPORT they have previously ignored for the past 90 days
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX, XXXX XXXX, XXXX XXXX ( the Scammer/Merchant/Fraudster ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX  account to Wells Fargo at the instructions of the scammers.
Product: Debt collection

I got bill from XXXX XXXX XXXX XXXX and I paid the bill on XXXX/XXXX/XXXX but my paid account was send to Hunter Warfield collection for the same bill.
Product: Checking or savings account

Several years ago, I opened XXXX XXXX XXXX XXXX accounts with Simmons Bank in XXXX, MO. After turning XXXX, the XXXX XXXX XXXX XXXX withdrew the balance from the account associated with her and closed the account. This didn't sit well with me, but I accepted that she was 18, believed that it was within the rules, and let it go without inquiry.

When I received my most recent bank statements last month on the remaining two accounts, I noticed that the balances had been withdrawn on XX/XX/XXXX and the accounts also closed. I stopped by a local Simmons branch ( XXXX ) to verify and inquire as to how this could have happened. I was the only XXXX on the accounts AND both XXXX, at XXXX and XXXX, are too XXXX  to even make withdrawals without my presence, let along close my accounts. ( Upon their request a couple months back I had mailed them both a check in the amount of the respective balances, but had decided to leave the accounts open with small balances for my personal use. ) The branch manager confirmed the withdrawals and closures, printed me out the withdrawal slips that had been signed, apologized, and confirmed that neither the withdrawals nor closures should have occurred. I left with mixed feelings about what to do. 

I texted my XXXX XXXX XXXX asking if she had signed the withdrawal slip that had her name on it. She replied that the question put her " in a tough spot '', and she didn't want to answer. From that, I assume that it is very possible their mother, my ex, may have even forged the signatures. It is my affirmed understanding, however, that neither the children nor their mother should have been able to accomplish transactions on these accounts. 

So, I reached out directly to Simmons Bank Customer Service and spoke with XXXX. XXXX confirmed that the transactions per bank policy should not have occurred and put me on hold while she contacted the XXXX XXXX, MO branch, the location of the transactions. She returned to the call and informed that the manager had gone for the day, but could contact me the following day. I replied that I felt too upset with this branch to speak to the manager and asked if she could be our go-between. She agreed, and agreed to call me back the next afternoon after speaking with the manager herself. As of yet, I have not received her callback.