23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started my process of buying a mobile home in XXXX XXXX XXXX XXXX   onXX/XX/2018 they asked for a few things to be paid off to be approved. On XX/XX/2018 they finally approved my application. On XX/XX/2018 they sent me another notice they needed more to close the sale. On XX/XX/2018 they sent me a denial email after approving me and their reasoning was they didn't know how much the lot rent would be and it took me over my debt to income ratio. They had all that information sent in when I applied for the home. On XX/XX/2018 they sent me another notice they need more information to close. On XX/XX/2018 they sent me another email requesting more information needed to close. At this point the park moved me in as a renter believing the sale should be closed in a couple days. On XX/XX/2018 they sent me another email requesting more information I already sent in to them on several occasions including homeowners insurance I found that was cheaper. On XX/XX/2018 they sent me another email requesting more information. On XX/XX/XXXX they finally sent my closing documents resulting in me having to pay an additional XXXX ( including lot rent ) to the XXXX I already put down on the mobile home early XXXX. I had to take out a loan to pay it since I had already paid them the XXXX. Then early this month my homeowner insurance agent emailed me asking about the payment for the insurance they have yet to receive. I had to call around trying to find it when I spoke with 21st mortgage they sounded like the understood what I was looking for but then called me back and said they didn't understand what I was asking. When they sent my documents over to XXXX who bought my mortgage they sent their homeowners insurance so they would be paid instead of the correct one. The whole experience was horrible and drained me of all my savings. They knew what they needed in the beginning but drew it out two months longer then it should. I had to cancel my insurance with them and I am still waiting on the refund to pay the correct agent but no one knows where the refund is or when I will receive it. My agent has already paid the correct insurance but the refund needs to pay her back.
Product: Credit reporting or other personal consumer reports

I recently looked at my full credit report and discovered accounts that I wasnt aware of and never opened. I would like those accounts removed.
Product: Credit card

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. There were several charges made on various cards including wire transfers from my bank account all for absolutely nothing. I have filed complaints with the XXXX and have recently discovered that I may have not received the proper handling of my disputes when I was denied last year. I am hoping that this complaint can get to someone capable of re-opening and properly investigating my claims as they should have done when last year when I first reported. The charge that I am refuting is for {$6400.00} to XXXX XXXX XXXX aka XXXX. The reason for this dispute was due to their deceptive sales tactics they used to obtain by business. They did not provide the services I was sold and did not disclose the additional expenses that would be required of me. These charges for goods and services that were significantly different from that which was presented.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax I am writing to update/correct my personal information on file with your company. 
Please update my address to : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Please update my name to : [ XXXX XXXX XXXX XXXX My only social security number is : [ XXXX ] My only and correct date of birth is : [ XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely XXXX XXXX
Product: Mortgage

Hello, I had a loan with XXXX XXXX XXXX along with XXXX XXXX and XXXX XXXX which ended last year. We made all our payments on time and had no issues. Mr. Cooper bought our loan and we are in the process of refinancing and it says that we deferred our payments until XX/XX/2022 which is incorrect. We also don't mind if we actually deferred but we paid the loan off completely in XX/XX/2022. Additionally, we just wanted to speak with them so we could address the issue and get documentation for our lender because we could not find any. For over a week we can not get through, they make it impossible for you to have a conversation. We also can't even find a proper email to send a message other than one for payoffs. This has been horrible customer service. We ask that they just remove the deferment note from our credit reports so that we can move on because this has caused us an issue for a long time and we are in jeopardy of not being able to refinance now because of their lack of communication. This is personally hurting us. Thank you.
Product: Debt collection

Back in XX/XX/2018 I noticed that a collection agency by the name of Portfolio had listed a {$480.00} as a result of them trying to collect a balance on a credit card opened fraudulently with XXXX XXXX Bank. I have already submitted proof of this fraud and my FTC identity theft report to all 3 credit bureaus and they have removed the XXXX XXXX account from my profile. I need this to come off to because the account is not mine and was opened fraudulently. I am requesting to have this debt removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing
Product: Credit reporting

On the morning of XXXX XXXX, 2016 ( this morning ), I pulled my Experian credit report and noticed yet another trade line ( collection ) that is reporting on my credit due to fraud/identity theft. I recently submitted a claim with the CFPB on XXXX XXXX and Experian has continued to be diligent in the process of removing false and fraudulent information reporting on my credit file. At this juncture, I would like to add yet another item to be disputed as Fraud. It is actively reporting on my credit under the name of XXXX XXXX XXXX to which is not my name XXXX XXXX XXXX XXXX XXXX. The collection company is XXXX. XXXX XXXX with them representing the creditor of origin XXXX XXXX XXXX. I have attached AGAIN the necessary documents to prove my identity.
Product: Credit reporting or other personal consumer reports

I'm victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} XXXX ( XXXX Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$800.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is missing reported debt. 

acocount information is as follows : XXXX/Movement Mortgage date opened XX/XX/2019 balance {$190000.00} should be reported to XXXX and is not being reflected on my credit report.
Product: Debt collection

I am writing this letter concerning Jefferson Capital System. Reference # XXXX, Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This matter is up for litigation due to a data breach. I wrote the company ( Jefferson Capital System ) for debt verification of this debt being owned by XXXX XXXX and Jefferson Capital System only sent out a itemized bill.

I am requesting that this collection be removed off of my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting that I am ( 120-150 ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in the middle of a child custody case and was instructed by my attorney not to continue to pay child support until after the court made its final decision as to who was to receive full custody of my child. I won sole, legal custody and therefore there are no child support payments to be disbursed. I have attached a copy of the Cancellation of Wage Garnishment Order along with a copy of the Final Custody and Support Orders for reference. The lates that are reporting are false and are seriously harming my credit score. These lates need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

Received an unexpected collection update on my credit bureau reports of a DUPLICATE collection of {$170.00} from Medicredit. I have no knowledge of this debt at all. Please research & remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate and the last date active is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am a business owner who recently received a personal check from one of my customers. On Tuesday XX/XX/XXXX I called one of the US Bank branches to inquire about cashing a personal check that was written out to me. I rarely take personal checks as form of payment, so I wanted to make sure that the funds were available. I was told by one of the US Bank representatives over the phone that all I needed to cash the check was a government issued I.D . and it would be a {$7.00} service charge. So on Wednesday XX/XX/XXXX I visited the US Bank, XXXX XXXX XXXX XXXX XXXX XXXX. I was being assisted by XXXX XXXX, whom immediately had poor attitude towards me. I only came in the branch to utilize the check cashing service since the check that was given to me was from this bank. The teller was unprofessional and lacked customer service skills. She was adamant on taking my social security number to cash the check. I pleaded with her as to why she needed my social security number and all she could tell me was that this was needed to proceed with the transaction. She was very short with me and could not give me any logical explanation as to why I needed to provide her with my social security number. Please I am very cautious with providing certain information to any business or persons, can someone please look into this very serious matter.
Product: Debt collection

I was issued a company cell phone for work. This phone has been receiving debt collection calls on the avg of XXXX per day. I have explained to the callers that this is a business phone and we have no relationship to the person that they are trying to reach. When I answer the phone as the company representative, they hang up.
Product: Checking or savings account

I have been a loyal Chase Bank customer for several years, maintaining a good payment history and no prior issues. However, Chase recently closed my checking account without any prior notice or warning, which caused significant disruptions to my finances. My paycheck, which had already been deposited into the account, was returned to my employer. Due to this, I now have to wait weeks for my employer to reissue the funds, making it impossible to pay my bills on time. 

In addition, I was enrolled in a Chase promotional offer that promised a {$300.00} bonus for setting up direct deposit. I met the requirements, but Chase is now refusing to honor the promotion, claiming the account was closed. This is unacceptable because I was never informed of any inactivity policy or timeline that would lead to the accounts closure. Chase failed to communicate any warning or notification that could have allowed me to address the situation proactively. 

When I contacted Chases customer service and spoke with Supervisor XXXX XXXX, I received extremely poor service. Despite my repeated questions, the supervisor admitted there was no record of any notice being sent to me about the account closure. Furthermore, there was no willingness to resolve the issue or provide alternative solutions. I was essentially told that nothing could be done to reopen the account or to assist with the financial hardship Chase caused by their negligence. 

I have a recorded phone conversation where the supervisor confirmed : 1. There is no record of a notice being sent to inform me of the account closure. 
2. Chase will not honor the {$300.00} promotion despite my direct deposit meeting the qualifications. 
3. Chase will not assist in expediting the reissuance of my paycheck or provide compensation for the delay. 

The customer service experience was dismissive and unhelpful, leaving me to deal with the fallout of their actions alone. This lack of accountability and disregard for a loyal customer is unacceptable. 

Why This Matters : Chase Banks actions have caused me financial and emotional stress. Their failure to communicate basic account information, their refusal to take responsibility, and their poor customer service highlight serious issues in their operational and customer service standards. The lack of notice and dismissal of my concerns reflect negligence that needs to be addressed at a regulatory level to ensure this does not happen to other customers. 

Attachments : I am prepared to provide : 1. A recording of the phone conversation with Supervisor XXXX XXXX, where Chases failures were admitted. 
2. Documentation of the promotional offer terms and evidence that I met the requirements.
Product: Credit card

I got XXXX transactions charged in my credit card on XXXX XXXX  XX/XX/2023 without my authorization. I did not confirm, authorized or purchased any of those transactions and they were charged without my consent. The bank did not send me any alert until the last transaction and that was the only one that I could decline. My credit card information was stolen and scammers purchased online in target.com for about {$8900.00}. Now XXXX dealing with Bank of America to get a credit back for those transactions but they have been very slow in returning the money. They still owe me money even though I have called and disputed on several occasions since XX/XX/2023. I hope get this resolve soon and get my money back as soon as possible. This is so frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my credit report from Experian on XX/XX/XXXX and noticed multiple errors of inaccurate and incompleteness of accounts listed below. 

I also applied for a credit card with XXXX XXXX on XX/XX/XXXX and was denied due to Experian inaccurate and incomplete reporting. Ive been injured by being rejected from my own credit due to Experian reporting negative information about my character. This denials serves as defamation of character by Experian, tarnishing my ability to obtain credit. 

A compliance standard was put in place In XXXX for credit reporting agencies stating that If items on a consumer credit profile, does not meet the mandatory legal guidelines to be reported it cant be on a consumer credit profile. This deviates from the standard of compliance that the credit reporting agencies must follow. Experian is not in compliance. 

The FCRA states the consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Which Experian did not adhere to. The FCRA states that Consumer Reports must be accurate and not misleading. The word maximum, and possible mean greatest in quantity or highest in degree attainable. Accuracy, in turn means freedom from mistake or error. And being free from mistake or error means being free from a misunderstanding of the meaning or implication of something and not deviating from truth or accuracy. Experian has been reporting inaccurate and incomplete information on my credit profile. 

These accounts fail to meet the accuracy standards outlined in 15 USC 1681 ( e ) ( b ) and are therefore incomplete and inaccurate and can not be reported to my credit report. This notice serves as a dispute regarding your failure to accurately report these accounts and its completeness and to delete all listed accounts. 


DELETE ALL LISTED ACCOUNTS BELOW. 


XXXX XXXX Inaccurate reporting payment history. DELETE XXXX auto finance Inaccurate day of account opened. Inaccurate day of delinquency. DELETE XXXX XXXX XXXX XXXX  Inaccurate date of last activity. Inaccurate reporting of amount of days late. Inaccurate payment history.Inaccurate first day of delinquency DELETE XXXX XXXX Inaccurate day of delinquency. Inaccurate payment history. DELETE XXXX XXXX XXXX XXXX XXXX 
Inaccurate charge off. DELETE
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- Fraudulent accounts : XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX 2- Inaccurate addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3- Incorrect name : XXXX XXXX XXXX 4- Unauthorized Inquiries : XXXX XXXX XXXX on XX/XX/XXXX , XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XXXX on XX/XX/XXXX , XXXX XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I sent a debt validation and proof of claim letter to XXXX XXXX XXXX pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, whom another debt collection company ( XXXX XXXX XXXX ) responded to my inquiry that they manage referenced account for XXXX XXXX XXXX. I do not know this company, I had no knowledge that this company existed because I never received the initial notice from this company, and I have not given ANY company written consent unless otherwise through inquiry for debt validation. The initial letter that I sent to XXXX XXXX XXXX was for debt validation and proof of claim. XXXX XXXX XXXX has not responded to my request or validation. In responding to the debt collection letter from XXXX XXXX XXXX XXXX, it is very confusing and frustrating because I have since learned that there are 3 other companies besides XXXX that has collected or tried to collect on this debt that XXXX fully knew was a discharged debt in bankruptcy because XXXX has been reporting this debt as " being discharged in bankruptcy '' on my XXXX credit report since XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. 

This debt is currently being claimed as a debt by multiple debt collectors as follows by comparing the debt collection notices that I have received : XXXX XXXX XXXX, XXXX. ( original creditor ) XXXX. XXXX XXXX XXXX ( reporting to credit reporting agency XXXX with status updated XX/XX/XXXX - month/year in which the bankruptcy was filed ) 2. XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX ( received 2 notices on XX/XX/XXXX ) I have XXXX XXXX mailed an Affidavit of Proof to XXXX XXXX XXXX and invoice of violations dated for XX/XX/XXXX. 

I have received 2 summons to appear for before XXXX XXXX on XXXX XXXX XXXX ; XXXX, XXXX XXXX on the XXXX day of XXXX, XXXX at XXXX A.M. in declaring that I owe {$620.00} plus {$81.00} in court costs. 
I have really been stressed out because now I have to miss work and attend a court proceeding in which I have contacted these debt collectors and in their responses back to me, not one debt collector stated that they were filing a lawsuit and that I need to respond to it. 

As a result of receiving the 2 summons, Summons # 1 was left on my doorstep for everyone or anyone who walked by my apartment that day ( defamation of character ). I have video showing where the person left it. There was no business card or anything, so I don't know who could've put it there. Summons # 2 was in my mail box on the day of XX/XX/XXXX. It was opened in my mailbox and appeared that the envelope was never sealed. And I am confused and frustrated because I am being contacted by a law firm ( XXXX XXXX XXXX XXXX ) that initially stated that they were a debt collector and now that same debt collector/law firm is representing XXXX XXXX XXXX XXXX XXXX court proceeding.