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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX  XXXX Validate Account XXXXXXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 

In accordance with the fair credit reporting act XXXX account Thank You, XXXX XXXX
Product: Mortgage

We have tried to contact this company 40 times. The escrow company and selling agents plus buyers agents have tried contacting this company no answer all we need is a lien release document to close on our home the bank is Caliber Home Loans the property address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Registered owner : XXXX XXXX XXXX Original paid loan was from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have signed up for automatic payments a few times and for some reason they are stopped. I do not stop them myself and my account has plenty of money to go through. I currently tried to refinance my home and my financer told me that my score was low due to the fact that I have all of these late payment records on my report. When I went online to see where my status was at because I go Paperless for my statements it told me I had a {$10.00} minimum to pay to be caught up. The financer could see my account and told me that I also had an additional {$25.00} for that payment to make. No where did Victorias Secret tell me I had all of these extra fees to pay so I continuously have been behind and they have been reporting it to the credit bureau which has made my score lower. I made the appropriate amount today and they said I am up-to-date and will no longer receive late fees or late reports on my credit however they refused to take off all of the late charges or late reporting to my credit. I do not feel that this is my fault as I signed up for automatic payments and on my end did everything correct to pay and I was never notified that I was behind or late it wasnt until my creditor told me what was affecting my score. I also feel it isnt right that they arent truly telling me the required amount to be caught up which makes me continuously behind. They are unwilling to delete or remove the late reportings. I would like to fight that and get those late recordings taken off of my credit report.
Product: Mortgage

Lawyer XXXX XXXX has sent the payment at closing on XX/XX/XXXX to Rushmore. His phone number is XXXX you have permission to speak with him. Rushmore held the wire transfer for 8 days then sent it back. Lawyer XXXX XXXX sent it again they held it another 8 days then sent it back. Then they made me pay XXXX in extra fees which I want back because I shouldnt have had to pay anything. XXXX   XXXX  sent wire transfer again they sent it back again. Now Rushmore reported new and my husband to the credit bureaus for missing a payment and it dropped us down 75 points each. Lawyer is going to try to process again on XX/XX/XXXX. They should also refund alls fees for wiring each time and all other they they keep attaching to it.
Product: Checking or savings account

I had a bank account at a bank that was closed about two years ago because of fraudulent activity done through my online banking which I did not do I want to get down to the bottom of it they said they did an investigation but never let me know now it's stopping me from opening an account at any other bank can you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has outdated and incorrect information on my credit report.
Product: Mortgage

On XX/XX/XXXX, I asked my mortgage company ( RoundPoint Mortgage ) not to send a real estate tax check to the city of XXXX XXXX because I had already paid it. On XX/XX/XXXX, they acknowledged this and said my request was being processed and they would contact me if any additional information was needed. They never contacted me ( indicating they did n't need additional information. On XX/XX/XXXX, they sent a real estate tax check of {$4300.00} to the city of XXXX XXXX instead of following the acknowledged request not to do so. On XX/XX/XXXX, I filed a complaint through their online message system. On XX/XX/XXXX, they acknowledged receipt of the message and said they would forward it to the appropriate department. It has been 30 days since my complaint and my money is still missing ( not in my escrow account ). No other communication from RoundPoint has been made other than the email acknowledging my complaint on XX/XX/XXXX.
Product: Vehicle loan or lease

I recently got into a car accident where the vehicle got totaled. My insurance company is going to pay XXXX. I called the company to get a payoff quote so there is a XXXX balance with my insurance calls. Thats when I went back and looked at my contract and I was charge {$46000.00} for a XXXX  XXXX XXXX. I have been struggling to pay this monthly and have asked for extensions that Ive gotten granted only twice. They are only out for money and I feel like they are breaking the law with the 28 % interest rate that I did not notice. Granted I shouldve looked at my contract, but I was happy that I was approved for a vehicle at the time
Product: Checking or savings account

On XX/XX/2023 I discovered unauthorized transactions on my Citibank checking account. I immediately contacted the XXXX XXXX Police Department ( XXXX ) and filed a police report. XXXX Report # XXXX and then followed up and called Citibank to report the same transactions that were not authorized. Claim ID # XXXX. 

On XX/XX/2023 Citibank DENIED my claim citing that I was responsible for the charges in question. 

On XX/XX/2023 Citibank sent me a letter stating that they will be closing my accounts as they no longer wish to do business with me, yet I'm the victim in this matter, not them. The letter states the accounts will be closed out 'within ' XXXX days from the date of the letter, which would be XX/XX/2023. 

The letter states that I am able to go into a branch to withdraw the money if I do not want to wait for a check from them. I proceeded to go into a branch on XX/XX/2023 located XXXX XXXX XXXX. I spoke with the manager, showed them all my documentation and they called some back office department to which after XXXX mins on hold and on the phone, that department then proceeded to tell the branch they will not release my money as they can not confirm where the funds came from. I've always deposited cash, had direct deposits come in and incoming wires. Never deposited a check. 

Since that date of XX/XX/2023 I've called Citibank numerous times only to be told that my accounts are still under 'investigation ' and that I can not have my money. 

At this point I am tired of waiting and dealing with them. I get defrauded {$3300.00} in FRAUDULENT transactions and I'm left with nothing as a result. I want the money that is OWED to me. I'm not asking for it. 

This matter will only continue to escalate until Citibank sends me the money in which is OWED to me and the money that was lost due to fraud. I was a customer in good standing, I was also protected by Mastercard for transactions that were fraud.
Product: Money transfer, virtual currency, or money service

If I am right PayPal place limitation on my account at XXXX Avg. after that I provided all documents they ask me, next day then take from me {$1800.00} USD. I got mail : We regret to inform you that we're initiating the closure of your PayPal account. This measure is necessary to protect us from potential financial losses. 

And they said maybe will give me my money back before 180 days, they are very rude at the phone, not wanting to find a fair solution for me. Horrible! 

I got big financial lose because company of millions of dollars cares about their selfs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from a lender for " too many inquiries '' on my Equifax Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Equifax Credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason : 1.   XXXX   XXXX    XX/XX/XXXX   2 .   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   3.   XXXX   XX/XX/XXXX  4.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   5.    XXXX   XXXX    XX/XX/XXXX  6.   XXXX   XXXX     XX/XX/XXXX  7.   XXXX   XXXX   XXXX    XX/XX/XXXX  8.   XXXX   XXXX     XX/XX/XXXX  9.   XXXX   XXXX    XX/XX/XXXX  10.   XXXX   XXXX     XXXX     11 .   XXXX   XXXX   XXXX    XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the handling of my credit report by the credit bureaus. Despite their assertions of conducting a thorough investigation into reported inaccuracies, it has come to my attention that such investigation was not carried out effectively. 

Upon thorough review and investigation of the supporting documents provided, including an identity theft report and attached police report, it has become evident that certain accounts have been inaccurately attributed to me. As per my rights under the law, specifically 15 USC Section 602 A, I request immediate action to rectify this situation. This law also states a consumer reporting agency can not furnish an account without my written instructions.

The following accounts, which I believe to be the result of identity theft, must be promptly removed from my credit report : 1. XXXX XXXX - Account ending in XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX ending in XXXX, XXXX 4. Affirm - Account under reference XXXX  I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that the credit bureaus conduct a thorough and proper investigation in line with the law. Your prompt attention to this issue and assistance in resolving it would be greatly appreciated. 

Thank you for your time and assistance in this matter.
Product: Credit card or prepaid card

Hello, I saw an offer for a SPG American Express card with a XXXX point sign up bonus. This offer is available only to those who have never had the card before so I had an online chat with American Express to confirm if I have ever had this card. I have been a client for 20 years so I can not recall every product I have had in the past. The chat representative told me " Please be assure you never had a SPG a personal SPG card '' and " so you can go ahead and use the bonus offer ''. Now months later I have not received my bonus. When I asked why, the reps tell me I had a card many years ago. When I showed what a previous rep said in a chat they launched an investigation on XX/XX/18. I have been following up every week as they suggested but there is never any new information. It's been long enough. The evidence speaks for itself and takes all of a few minutes to review and consider not months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EquifaxXXXX XXXX  XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Student loan

I submitted a loan consolidation application with XXXX on XX/XX/XXXX. On XXXX I called Aidvantage ( the loan consolidation company ) ( XXXX XXXX XXXX ) to cancel my loan consolidation application. I was told on XXXX via customer service they would cancel my loans. I called again on XXXX and Aidvantage confirmed they would cancel my consolidation application. I checked XX/XX/XXXX and noticed my loan consolidation application was still not cancelled. I called Aidvantage again on XX/XX/XXXX to ask why it has not been cancelled, they said they have no record of me calling and that I was not able to cancel my loan consolidation unless I emailed XXXX ) XXXX. Even though I have emailed that email address for XXXX days now, no one has responded. 

I noticed on XXXX some of loans are gone which confirms further that aidvantage is processing my consolidation even though I told them not to. Aidvantage is intentionally ignoring my emails and refuses to cancel my loan consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card company, take a payment XX/XX/2019, on my account ending in XXXX.and never sent a paid statement for that month and never up dated that account with the credit bureau 's when I called and ask why, the only information given was no we did not send and up date for may XX/XX/2019.this is  missing information that should be in my credit reports this is so wrong, for me to pay my account and get no credit for it.and no statement to show I paid, my bank is the only place that shows this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing these accounts because it is fraudulent. I have no knowing knowledge of this account. Nor have i received any monetary or goods services associated with this account. 


There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned a few weeks ago that XXXX  was not reporting all of my accounts. My Capital One credit card accounts and my Student loans were not included. I called them and asked for help. They said they filed a report and would get back to me. They haven't. I then learned that one of my Capital One Credit Cards were closed. This is my main credit card and is essential to me. I called Capital One today and they said that the account was reported as Fraudulent therefore the account was automatically closed. I received no notice of this. I only realized it when I logged in to my account this morning. I called XXXX  today to report on this and was put on hold for 2 hours. I gave up and called again later. This time when I called, there was no option for me to reach the fraud or dispute department from their phone options. I had to call a random department and get them to connect me to someone there. Then while the agent was researching my report, they hung up. I called again, and someone from disputes told me that I have two XXXX  records with two different PINs and that he would put in a request to merge the two. He sent me to someone else to work on the closed credit card issue. I found out the following day that my XXXX XXXX XXXX  XXXX  account was being mixed up with my own. They had been reporting it incorrectly forever as far as I can tell. We have similar names and same birthdates. There is definitely concern with how my sister was able to report the Capital One account as fraud. I'm not sure what identification she verified but the capital One account has all of my information on it, yet she was able to close the account. I believe Capital One may also have dupe records and perhaps she verified the one that XXXX  was incorrectly reporting. As of today, we have cleared up the issue with my credit card however XXXX  is outstanding.
Product: Credit card

Last Fall Macy 's charged me for an loyalty program I did not buy. 
I asked to have it removed several times. After many months, and escalation to supervisors at Macy 's credit they removed the charge and interest. 
I am now receiving bills again from Macy 's with interest charges with small but incorrect interest charges. 
Macys also failed to update my credit and remove the erroneous late payment information. I can not be late to pay something I did not buy.
Product: Mortgage

In XXXX  we experienced a foreclosure with Wells Fargo home mortgage when we lived in MD. 
We tried on many incidences to modify or short sale. We were blindsided during the remediation process with foreclose notice. We were not given advanced notice of auction. No remediation was offered during that time. Our paperwork was lost more than once. 
We not only lost our home that we purchased for {$620000.00}, Wells Fargo issues a {$200000.00} NOTE against us for what was lost in the auction. We not only have to recover such a significant financial loss, but can not purchase another home due to the note. 

Wells Fargo is now sending us a {$200.00} check to apologize for the error in not remediating our loan due to a glitch in the system. We do not want to cash the check and lose any chance of filing a lawsuit against WF. We have been saving money alongside recovery to retain an attorney. We have seen many lawsuits and settled claims in cases like ours and need guidance and assistance please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain account in my file which I believe is possibly an Identity theft. 
XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Portfolio Recovery listed on my credit report XXXX the original creditor was XXXX XXXX XXXX XXXXXXXX. I have disputed with them and through the credit agencies to the account wasn't mine and/or was open up without my knowledge. I submitted a fraud report from the Federal trade commission and it was ignored. I would like for this negative item to be remove from my credit asap. Its not mine and full of inaccuracies
Product: Mortgage

This morning at about XXXX on XX/XX/XXXX XXXX adults, XXXX female and XXXX males, trespassed, loitered and vandalized upon my property. The acts committed included, but are not limited to, rattling multiple windows, juggling of the front door handle, opening my mail box, trying to lift open my garage door, noise disturbances, and removing signage posted on the property, including, but not limited to, the public notice of adverse possession posted on the front door. While I intended to continue to post such a notice, now that it has been removed, I will not repost the notice only to have it removed again. Anyway, those who may be interested in such notices as no trespassing, no loitering, no soliciting, and adverse possession have been made aware. 

These are the same group of folks that have been trespassing upon my property since at least XX/XX/XXXX claiming ownership. Today however, these XXXX actually parked in my driveway, got out, and proceeded to discuss their plans to landscape and what essentially amounts to breaking in and entering, and then, I suppose, have me literally thrown out of my own home. It should be noted that for some of this time XXXX XXXX XXXX Police Department ( XXXX ) Units, including XXXX sergeant, was on the scene at least part of the time. I did request assistance from the XXXX, specifically to have them removed and arrested for trespassing, loitering, vandalism, and terrorism. I should have also requested they be charged with theft as they did not return my signs and related materials to me. This act alone indicates an intent to circumvent the law and bypass the California Superior Court to resolve the matter. 

Just to be clear, in the State of California, one must go through the judicial system to gain possession of real property if that possession is contested and the property is currently occupied. Before one can prove a claim of right to tile through Trustee 's Sale, one must first prove the seller has and had the right, as a matter of law, to sell. In this instance, the sellers - Bank of America and XXXX XXXX XXXX XXXX ( XXXX ) - must prove full compliance with the law allowing for the sale of the subject property. In the meantime, I should not be subjected to unwarranted traffic in and upon my property. I have already issued a cease and desist request to the relevant parties, including the purchasers of the any debt associated with the XX/XX/XXXX Deed of Trust sold on XX/XX/XXXX. 

Today, I have made it known and clear to the XXXX trespassers, who literally scared me XXXX, I will await the service of a Summons for whatever legal action they intend to bring related to the contested right to title and possession. I have already made clear they are not to come back to my property, so service should be performed by a registered process server only. 

All previously mentioned resolutions are desired and mandatory.