23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After being approved for a loan modification in which the value is much less then what is owed I decided to submit a short sale. The offer of XXXX was submitted and the appraisal was done at XXXX. Fay servicing closed the short sale without communicating to me the value or asking for any counter offer. I submitted an appeal, see attached. Fay failed to send this appeal to the investor stating over the phone in a recorded conversation that they don't have to send the appeal to the investor because I had a modification approved in XXXX. According to their servicing agreement with the investor they are not authorized to make appeal decisions on their own without investor input. It is very clear that Fay servicing is making their own decisions on files being approved and denied. In this case they denied my short sale so they can foreclose on the property and move the file to their XXXX department so they can continue to charge the investor for servicing the loan after the foreclosure is complete. The rep on the file was ( XXXX ) XXXX and his supervisor is no better, XXXX XXXX XXXX.
Product: Credit card

In 2013 I received a XXXX for cancellation of debt for an amount of {$23000.00}. I paid taxes on this amount back in 2013. But currently all XXXX credit reports still state that my Balance Amount is {$25000.00}. This amount should be XXXX. This debt was fully cancelled and I paid the taxes on it already. My outstanding balance is currently zero. The credit bureaus should reflect that as well. Chase Bank USA NA is incorrectly reporting an old cancelled debt amount to the bureaus.
Product: Debt collection

I sent a certified mail from the XXXX in regard to this account. Attached is the document. This is the tracking # : XXXX. I have yet to receive a response. Please provide a contract with my signature agreeing to the services you are claiming I owe money for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian & XXXX have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX XXXX {$380.00} not mine
Product: Mortgage

I needed to change the bank account I used to timely pay my mortgage for the last XXXX years. In attempting to switch that account, I had to make a change to the bi-weekly payment plan that I had initially signed-up for. In attempting to update the bank account information in the third party system PNC Mortgage uses, this third party vendor made it nearly impossible to update my new bank account information because of all the " security information '' they needed and it left me discouraged. Because of this, I cancelled my bi-weekly payment plan with the third party vendor and decided to sign-up for automatic withdrawals or electronic funds transfer from my new bank account. I was unaware of the tedious process it takes to sign-up for the eft service that resulted in a late payment on my account. Because I do not bank with PNC - they make you download a form to sign-up for eft service that you have to print out and mail-in. It then takes 30 days to process this form. Because my payment was late, they charged me a {$30.00} late fee, and a {$7.00} " speedpay '' fee to make a payment to keep my account current.
Product: Credit card

On XX/XX/year>, I purchased items from XXXX ( online ) using my Capital One card ending in XXXX. These items were initially lost in the mail ( the US postal system ). I asked XXXX for help, but they provided no assistance. As a result of not receiving the items for over a week past the delivery date, I filed a dispute with Capital One, and they initially reversed the charge ( {$200.00} ). 

I later contacted the US postal system for assistance. They were able to find the lost items which I received on XX/XX/year>. I then contacted Capital One Bank and informed them that I wanted to cancel the dispute ( total {$200.00} ) because I received the lost items. Capital One Bank charged back my account for the full amount of {$200.00} on XX/XX/year>. 

Several items ( of clothing were bought from the merchant ). Upon receipt of the package, I realized that some did not fit, so I returned some of the items totaling {$100.00} on XX/XX/year>. This was returned via the US postal system. The items were received by the merchant in the original condition within the specified time frame, however, they have still failed to issue me a refund. Relevant screenshots have been attached showing that the refund is still " processing '' and has long passed the date that it should have been returned to my account. 

I have contacted XXXX for assistance, but unfortunately, they have not responded to me. I have also contacted Capital One to dispute this specific amount of {$100.00} which the merchant has failed to return, however, Capital One is failing to assist claiming that I am disputing the same charge twice. I explained that this is not the case, because I am currently disputing a portion of the original amount, since I returned items from that original purchase which has been charged to my account, so, I am still entitled to a refund from the merchant. 

I am requesting an investigation by the CFPB into this matter. All relevant documentation has been uploaded. 

Capital One Card Number : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), specifically regarding its failure to properly investigate and verify disputed information on my credit report. 
On or around XXXX, and XX/XX/year> I submitted a formal dispute to Experian regarding inaccurate and incomplete information reported for XXXX account XXXX XXXX my credit file. Experian failed to provide sufficient verification of the accuracy of this information, as required by 15 U.S.C. 1681i. 
I also provided detailed explanations and supporting documentation highlighting inconsistencies, such as the incomplete reporting of the date the account was closed and the incorrect past-due status that does not align with the accounts history. Despite this, Experian did not conduct a reasonable investigation and has continued to report this inaccurate information. 
According to the FCRA, when a consumer disputes the accuracy of information, the credit reporting agency is required to conduct a thorough investigation and provide verification or delete the disputed information if verification can not be obtained. Experians actions have caused significant harm to my credit profile and financial standing. 
I am requesting that Experian : XXXX. Conduct a reasonable reinvestigation of the disputed account ( XXXX ) as mandated under the FCRA. 
XXXX. Provide a detailed explanation of the investigation process and verification methods. 
XXXX. Correct or delete any unverifiable or inaccurate information immediately. 
Failure to resolve this matter promptly will leave me no choice but to pursue further action, including legal remedies. 
Supporting Documents : Dispute response received from Experian Credit report showing inaccurate information Notes on specific errors and incomplete reporting Desired Resolution : I request that Experian promptly resolve this issue by conducting a proper investigation, providing verification of the disputed information, or removing the unverifiable data from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX [ XXXX XXXX XXXX, XXXX, PA XXXX ]
Product: Credit reporting or other personal consumer reports

These accounts are hurting me. They are not verifying my personal information and are giving me incorrect personal information. 

I need it removed from my credit. 



XXXX XXXX XXXX # XXXX REMOVED CREDIT XXXX XXXX XXXX # XXXX REMOVED CREDIT XXXX. XXXX XXXX XXXX XXXX XXXX REMOVED CREDIT XXXX. XXXX XXXX XXXX XXXXXXXX NOT IS MINE XXXX. XXXX # XXXX NOT MINE XXXX XXXX  # XXXX NOT MINE
Product: Checking or savings account

Someone opened an out of state account in our names and sold our property. The perpetrator is waiting to receive the proceeds from escrow. We were contacted by the escrow company when they decided to double check for fraud. We confirmed this was fraud and not to close escrow.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I have identified certain information that is reported incorrectly. Please make sure that the only information being reported on my credit is the information listed below. 
*My name is : XXXX XXXX XXXX name is : XXXX XXXX last name is : XXXX XXXX Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit profile ive noticed alot of incorrect information on my Experian profile.
Product: Prepaid card

In XXXX of 2024 I filed my tax return through XXXX e-filing services, XXXX of the ways they offered for you to revive your refund was opening an account with Kredit Carma I'd never had a Kredit Carma account so I picked this option. Somrtime in XXXX of 2024 my return was issued to me on this account this is when I decided I didn't want the account any longer after having a bunch of issues with the account I was able to pull all my funds off the account and I no longer wanted to deal with Kredit Carma account at all. Well unknown to me there was another refund amount credited to the account sometime in late XXXX or early XXXX by the time I was made aware of this it was already to late someone had gotten a hold of the card and used the money that was sent to it.I notified Kredit Carma and they opened a dispute claim for the funds I also made a police report with the local law enforcement agency in regards to the claim. Although I provided Kredit Carma with sufficient evidence and a document of the filed police report they still denied my claim for reasons I'm unaware of.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy helping me due to XXXX XXXX XXXX XXXX  which falls under tracking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I am being sued for a mortgage that was improperly foreclosed on and was taken to a Federal Class action Law Suite . I was awarded XXXX toward this instance and am now being sued for the difference of a XXXX mortgage. I have attempted to fax information about this to the company, have sent certified mail in regards to this. They have dismissed this and have now served me with a summons and are taking me to court.
Product: Debt collection

Logged in to view my credit report and noticed I had an account in collections for {$210.00}. I do not have any accounts in collections, nor did I ever receive anything in the mail for it.
Product: Checking or savings account

On XX/XX/2022 I was notified that a checking account was open in my name ( previous last name, recently married ). I called the bank that day and reported it on identitythef.gov. They said they would close the account but it's still open and I keep receiving statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a cash advance on my Bank of America credit card and chose to borrow {$10000.00} as a cash advance to make a purchase. 

My credit score was XXXX before this transaction. I have not even had a first payment and this single transaction forced my credit score down to XXXX. This impacts my future borrowing capability and will increase interest rates. 

No other financial information on my accounts has changed. 

The change is egregious and no disclosure was made to the potential impact. I have contacted Bank of America and XXXX and received poor treatment and a total failure to explain why such a massive impact to my credit.
Product: Debt collection

Unfortunately, I was not aware of the medical debts until I inquired about refinancing my mortgage. I have not been contacted by the physician or a debt collector. My understanding is my insurance took care of the amounts due at the time of service. Another factor that may have played in the miscommunication was a move in 2019. I would like to pay the due amounts to the medical providers and have this debt removed to correct my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report & noticed someone applied for something in my name. 
According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

TRANSUNION : XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX : XXXX XXXX- XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX Mos. ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by XXXX XXXX Closed : XX/XX/XXXX Inquiries : XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Places for Collection Original Creditor Name : XXXX XXXX XXXX XXXX Closed : XXXX XXXX
Product: Payday loan

Call cell phone several times with threats I will be arrested if I do n't call this number to speak with attorney general to stop the process. We have your social security number and they also send these threats on my XXXX XXXX School XXXX e-mail. I have legal insurance and spoke to a lawyer who gave me the web site to make a complaint because this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emailed the department or education/XXXX  and also filed disputes with all 3 credit bureau XXXX My student loan has been in deferred for years now. How can they report ok XXXX and XX/XX/XXXX  then all of a sudden report 90day late XX/XX/. I was not 90 days late I was deferred but also you can not jump to 90 and skip 30 or 60 day. This is incorrect reporting and needs to be deleted or updated to never late
Product: Credit card or prepaid card

On Tuesday, XXXX XXXX 2018 I purchased a US Bank XXXX GiftCard at XXXX in XXXX XXXX, IL. I added {$500.00} in value at purchase. As per the instructions, I registered the card online, provided my name, address, email, and phone number. On Wednesday, XX/XX/XXXX, I began using the card to pay my Trash Collection service, electric ( XXXX ) bill, a prescription copay at XXXX, and my copay for my XXXX visit. 

I confirmed my new balance was {$280.00}, and went to use my card for another doctor copay for {$30.00} on Thursday, XX/XX/XXXX. The card was declined twice. It was embarrassing because I was confident there were funds available, and a doctor 's office is definitely a merchant where a reasonable person would expect a transaction would be approved. After a third decline at the doctor 's office, I offered a traditional credit card, and the transaction was immediately approved. 

Then, early on XX/XX/XXXX, I tried to pay my landscaper for snowplowing my driveway. The same {$280.00} was available on the card, and his invoice was only for {$47.00}. Again, the transaction was declined twice. 

At this point, it was obvious something was wrong, so I contacted " XXXX XXXXs '' at XXXX. As an aside, US Bank does NOT make this number easy to find. Not only is it not printed on the card itself, it is quite buried on their website XXXX. The representative kept providing a nonsense response that I was trying to use the card at a " blocked merchant ''. There is no valid reason my doctor or landscaper are blocked merchants, but the representative literally just kept repeating the same illogical statement. I read the cardholder agreement, and the only transactions which are prohibited are things like internet gaming, other illegal activity, and transactions outside the United States. 

I should be able to use my Gift Card to pay office visit copays or for snow plowing services, but as of now the {$280.00} is essentially locked on my card. I do n't need US Bank to pick and choose how I can spend my Gift Card. I am paying for ordinary, lawful transactions in the United States, that are clearly in the scope of their Cardholder agreement.
Product: Debt collection

The company representative called my employer and left a message asking for me, in regards to collecting a debt which had already gone to litigation with the SAME company back in XXXX/XXXX/15 and had been voluntarily dismissed. The complaint was dismissed because the statute of limitations had passed and for lack of privity. They are illegally attempting to collect a debt they have no grounds on.
Product: Checking or savings account

My business and personal bank accounts were closed without me being given an official reason. The manager said it's probably because I was making too many cash deposits. He was aware that Citizens bank 's cash advance machines were down company wide because they are changing their system out. ( so I was told ) For what I assumed was going to be a week or 2 but this went on for several months so I had to continually go to another bank when I needed cash advances and bring the cash back to Citizens to deposit into my account. I have a line of credit from another bank that I can continually draw from and pay it back. Any account linked to my business account has been shut down and closed. They said it would be closed permanently on XX/XX/24 but they closed everything on XX/XX/24 after only giving me about 3 days notice. After getting the letter I spoke to the manager and he said he would appeal the decision and let them know it he was aware I was bringing the cash deposits because of the broken cash advance system at his bank. He told me the appeal was denied on approximately XXXX which only gave me about 3 days to make other arrangments and with Friday the XXXX being a pay day for my business caused me harm because now I don't know if my employees were able to cash their checks. I googled this and found that Citizens bank has been doing this to other customers also without giving them any explanation as to why. I requested a number to call the corporate office and the manager said he didn't have one. I asked for Contact information for the president of the bank and again he told me he didn't have anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. XXXX XXXX XXXX a.k.a XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX a.k.a XXXX XXXX XXXX they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.
Product: Mortgage

XX/XX/2015 my x husband forged a 7 page document requesting information about my credit and to be sent to him. The signature of my name did not match the original loan papers so they did not send the information requested. It was stated like it was me requesting the information but it was not me, luckily they noticed that it was not my signature. They sent a letter to the house address and to my temp address. I called immediately. They stated that a request was also sent for a loan modification with his signature and my name.. But again my signature did not match the original loan papers, his did match. So mine was forged. I have been requesting these documents and they keep saying they are sending them but it has been 2 years and still have not sent them to me and I need them for court next week, I am going to have my lawyer contact them.I also filed a police report but they had to wait for the documents to be faxed. But who knows. We are divorced and the judge stated that either I can refinance the house or it needs to be sold. Also I got a {$22000.00} gift of equity from my parents because it is my childhood home bought from my parents. Also the equity loan seems like its balance is higher then it was before so I don't know if something happen like he got more money. But my name was forged and attempted to get information and a loan. I have done everything but no one is doing anything about it. And that is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

A inaccurate 30 days past due with a XXXX dollar balance has been posted to my credit report.
Product: Credit card or prepaid card

Today, XX/XX/2018, I tried to enable an external application called XXXX. When I tried it did not allow me and a message said that Capital One was " blocking youfrom enabling external applications '' and to " file a complaint with the CFPB '' to alert Capital One of the issue.