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

I've been attempting to get my credit score ( once a year free ) from Equifax. However, after 4 months of trying, I'm still unable to get an accurate score from them. The only way I'm able to see any kind of score from Equifax ( without applying for credit from somewhere ), is through XXXX XXXX. 

Furthermore, Equifax 's reporting on XXXX XXXX for my score is approximately XXXX point difference from XXXX and XXXX. Therefore, I strongly believe Equifax is misreporting my score to creditors and having a large negative impact on my ability to qualify for a home that is closing in 2 months. 

At this point, since Equifax is causing severe effects on my ability to attain a home and be in relative compliance such as XXXX and XXXX, I am considering a legal course of action against Equifax and their misrepresentation of my credit score.
Product: Credit reporting or other personal consumer reports

account XXXX date opened XX/XX/year> is over 7 years old and is still reporting and hurting my credit. 

They also broke federal law 15 USC 1681a ( d ) ( 1 ) for the reasons above we insist the removal of these accounts from my credit for it is breaking federal law for me as a consumer of the United Sates of American.
Product: Mortgage

On XX/XX/2020 we tried to refinance our mortgage with Chase. At the time of the application Chase asked me to provide a {$500.00} downpayment with the understanding that if the refinance application was not approved it would be returned. I paid the {$500.00} with my Chase credit card. We had agreed upon the terms however Chase came back with different terms which we did not agree. Chase approved the application with different terms such as over a {$100000.00} mortgage when my mortgage that I wanted to refinance was only {$54000.00} ( approximately ). The reason they said was because they found a credit card under my wife 's name that allegedly was charged off. We disputed that allegation. Chase attempted to add the alleged amount owed to our mortgage. Initially when they did the credit report on me and my wife it did not show up. Since the application with the terms we initially agreed upon was not approved I requested a refund of the {$500.00} but they refused. I disputed Chase 's attempt to retain the {$500.00}. I am XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. I believe that they were trying to take advantage of me. I requested numerous times a refund and to this date I have not seen the credit on my credit card. I have asked them if they have credited my account to show me proof and they have not provided anything, Attached are the emails and most recent email that was sent but no response.
Product: Mortgage

I locked a 30 year mortgage at 3.375 % on XX/XX/2016 with a 45 day lock and paid for the appraisal and credit report on XX/XX/XXXX for {$580.00}. The appraisal came in low, $ XXXX lower than one that was done 6 weeks prior so I was hesitant to move forward as it would have involved PMI at the current amount I applied for. This took place on XX/XX/XXXX ... ..The staff at Hart West advised that I could submit comps to challenge the valuation and I did that the same day and next and sent the appraisal that had been done 6 weeks prior with the valuation of {$500000.00}. I assumed this was all that was needed as I did not hear back from the lender and had submitted the other additional information they needed clarification on. I finally heard back from Hart West on XX/XX/XXXX and confirmed that I would move forward with the lower valuation and bring more money to closing. I was the told my lock would expire on XX/XX/XXXX and the company said it would cost an additional {$990.00} to extend the lock. I asked them to honor the original terms as they had plenty of time to clarify things and close my loan within the 45 day lock and they have refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls Capital One is reporting late notations for XX/XX/20, XX/XX/20 and I would like them removed. I was having a very hard time due to Covid and I ask that they please take leniency and remove the lates. I was not late anytime before and It would be a big help so I could get my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, EXPERIAN, XXXX AND XXXX IARE CURRENTLY SHOWING ON MY CREDIT REPORT AS A COLLECTION THAT IS NOT MINE..
Product: Credit card or prepaid card

NAVY FEDERAL CREDIT UNION has denied me an extension of credit
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 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 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  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit card or prepaid card

This is regarding a {$360.00} charge from XXXX XXXX on my Chase credit card. I showed XXXX XXXX my credit card as part of the check-in process, did not authorize any charge on the card, and was surprised by a {$360.00} check-in fee on my account. 

I contacted Chase three times to attempt to resolve this. Chase has told me that because I physically showed someone my card, they consider that valid authorization for the merchant to charge any amount they wish on the card, as long as the merchant provides some sort of good or service. The fact that showing a credit card to check in at airports is a routine, non-transactional occurrence does not matter. The fact that the surprise charge is 150 % of the value of the original ticket does not matter. The fact that I never authorized or signed for the charge does not matter. The fact that I was not given the chance to approve or decline the charge does not matter. Simply presenting the card is considered authorization for the merchant to charge any amount, and Chase will consider it valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all items listed above to be removed from my credit profile immediately, due to several disputes XXXXmonths ago and uploaded documents regarding the disputes such as Police Report and XXXX XXXX Court Document. I have dispute several account with equifax and I submitted complaints regarding several creditors on my credit profile and uploaded supporting documents These companies are still reporting negative on my credit profile which have caused me to to be denied for numerous of credit opportunities. Listed below you will find the complaint number from CFPB and the creditors listed. I would like these issues to be resolved immediately and not just a statement of investigation, There have been Several investigations and no results. I would like for equifax and the companies listed to uploaded all supporting documents, regarding the debts listed on my credit profile. Otherwise I would like to request full investigation from the FTC. This have affected my life tremendously. Need Help ASAP!!!! 
Thank you CFPB Complaint Numbers with the documents attached : XXXX Companies Listed on the credit profile : - XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX : {$7900.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} - XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX : {$170.00}
Product: Debt collection

I received a letter from IL D & A Services saying they were going to get a judgement against me for XXXX XXXX XXXX, XXXX for an original debt to XXXX XXXX. I do n't believe I ever owed a bank by that name and if I did it was many years ago. I believe I have paid off my old debts and this does not appear on my credit report so I suspect it is a fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$4500.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX {$1300.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX {$650.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately All these account are closed and should be removed from my credit profile
Product: Credit card

I have a credit card with Synchrony Bank for shopping at XXXX XXXX. I was originally given a purchase amount of {$2500.00}. The bank 's first unjust move was to take away my credit limit On my XX/XX/year> Statement, Synchrony bank charged me a over-blown interest charge of {$710.00}, Thereby, putting the account in " overlimit amount " of {$470.00} negative balance! In addition, Synchrony bank has added {$700.00} to my account unfairly, and took away all available balance. The financial manipulation and unfair lending practices makes paying the bill like- so to speak- spining your wheels, and getting nowhere financially with your account!

The account was consistenly paid timely and often more than the agreed amount to pay. Nevertheless, I have been pushed into the over blown interest rate charges with unfair promotions that I was not aware of as a customer. This overlimit amount certainly butchers my credit report and potentlally close credit doors to me as applicant.

I contend that Synchrony Bank connived me into a predatory loan, and is currently taking advantage of me financially. The bank 's actions amount to unfair loan terms because the practice of such is unrealistic pay-off promotins, high interest charges, and financial manipulation.
T

herefore, I ask that this Bureau investigate complaint, and order Synchrony Bank to waive or dismiss the interest charges and adjust my account according to the fundamental fairness due to a customer. Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly asked XXXX, Equifax, and XXXX to delete all these derogatory accounts that are reflecting on my credit report. I never gave permission for them to furnish any of my personal information to my credit file regarding other creditors. This is repeated violations that I have been dealing with for years now and has had a major impact to my financial well being and has made it difficult to obtain the necessary credit to purchase a home for my family and to secure my kids XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my final attempt to get this resolved before I get my attorney involved and start litigation in this regards.
Product: Checking or savings account

On XX/XX/XXXX of XXXX  all of my accounts got blocked, when I called to see why they blocked them they said because they did an internal review on me and have decided to not do business with me ever and that they will send me a check with all my funds through mail in a 7-10 business day. When I tried asking why was the reason they closed my account they said they dont know and they hanged up on me. The day after I tried calling again and when verifying my identification they said they couldnt verify me even tho I passed the verification test so I had to go to the bank. I waited 2 weeks to see if they would send me my check and I noticed they didnt, so I went to my nearest Capital One branch and asked and they said the same thing and they couldnt provide me with why they closed my account, and the worker told me it would take 7-10 business days for my check to arrive even thought it was already 2 weeks since they closed my account. Now its over 2 months and everytime I try calling they tell me the same thing that they dont know why they closed it and that my check will come in 7-10 business days, this is truly unfair because all my money is legit and it is hard worked and earned money that I busted my back to get and for it to be taken away from me like that is not fair at all. I just want my money I dont care if yall want to do business with me or not Capital One is a joke just give me my money. Thank you
Product: Credit card or prepaid card

My Bank has not resolved my claim ; I was charged {$100.00} since I was a victim of a fraudulent transaction. I made the claim through my bank and they responded that my claim was not valid. They were not able to provide documentation to prove that the transaction was valid even though in my credit card the transaction was located in XXXX which I have never been there. How come is possible that my Bank did not support its customers and proceed to pay these people who are thieves and clearly are taking advantage of vulnerable people?
Product: Mortgage

I was a member of Section 8 Voucher beneficiary under the County of XXXX XXXX in XXXX, California and also enrolled in one of their other program called FSS ( Family Sufficiency Program ). One of the goal of the program is to help members to become self sufficient again by obtaining a stable job and obtaining a decent house and be out of other Government programs and benefits. The program also requires member to get Financial and Credit Counselling in preparation for First Time Home Purchase. Last XX/XX/2019 I attended the Counselling/Orientation for First Time Homebuyer Program of NACA ( Neighborhood Assistance Corporation of America ) held in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. and I was registered as a prospect member with NACA ID # XXXX and was assigned to counsellor named XXXX XXXX, which I never neither met or have conversation. I filled up all the necessary forms of information and requirements about my case and housing situations. Since then, I have been in contact in them through emails and phone calls. I have gathered all my papers and documents ( Letter of Verification of Housing Assistance from Housing Assistance Office, Employment Verification, Pay Stubs, Bank Statement, Proof of Identity, Drivers License, Social Security and other Personal Information ). Last XX/XX/2019, NACA had its BIG EVENT held in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I attended the finalize my first time Home Buying goal and to submit other requirements and meet a Counsellor. They had me log in the computer to finish my membership requirements through the members portal. Then had me sit and wait to meet a counsellor, the called me after more than an hour and took all my documents and information including Bank Account Number and Routing Number. But after sitting for an hour with her and providing everything, another Counsellor who just happened to walk in her desk just said my application is not going through because the program was SUSPENDED. And had me just walk away and leave the event. The counsellor just simply told me, GOOD LUCK AND KEEP IN TOUCH!!!
Product: Checking or savings account

I filed a complaint about overdraft fees. I deposited a check from another account I have at another institution. BB & T said the computer had placed a twelve day hold on the check which was for {$700.00}. I informed the bank that was in violation of Federal Reserve rules. A manager said on Wednesday that they would check on Tuesday after the holiday weekend whether the check cleared. I checked my account at the other institution on Saturday and saw that the check cleared Friday and the funds were still on hold until XXXX  as of Tuesday morning ( today ). The reason my check was being held according to a teller was that I had overdraft fees. The fees were for PIN transactions and I am opted out of overdraft on PIN transactions. My check was held, in reality, because I filed a complaint about overdraft fees with CFPB previously. I want anyone reading this complaint to know that I was told by my relationship banker BB & T doesn't care if I close my account, and a teller got into an argument with me about the Federal Reserve regulations for holding deposits when I asked to leave a message for the relationship banker and hung up on me intentionally.
Product: Credit card or prepaid card

HI. A few days prior to XX/XX/2019 I called chase to pay up my balance in full from my XXXX statement that was due XX/XX/2019. On XX/XX/2019 I was overseas and was tight on available funds in my account and therefor made a payment for the minimum payment due. It was the first time in all my years ever doing that. I have always been careful to only charge that which I can pay in full. I also asked the rep to charge me in full for my balance for the upcoming XXXX statement, thereby bringing my account to balance to XXXX. My unpaid balance from XXXX was approximately XXXX less the minimum payment of {$35.00}. My current statement balance at the time of the call was {$2100.00}. I paid a total of {$5600.00}. On XX/XX/2019 that amount was debited from my XXXX XXXX XXXX  Account. On XX/XX/2019 I got an alert from XXXX XXXX that my checking account was on overdraft. Knowing that I had sufficient funds to pay for my current expected expenses, I checked on my account as to what was overdrawn. I saw a pending charge from Chase Bank for {$5600.00} ( .11 interest charge ). I called Chase to inquire as to what the charge was about. They informed me that on XX/XX/2019 during a call to Chase where I requested a card downgrade, I also gave permission to have an automatic payment set up for a future date of XX/XX/2019, for my balance at that time of {$5600.00}. I have no recollection of ever requesting or agreeing to an automatic payment. In the event that I had a senior moment and did agree, which is quite shocking because why would i then call in a week prior to make the payment by phone, there was still a XXXX balance on my account on XX/XX/2019 when they made the charge. I questioned the rep and the supervisor as to why they were charging a XXXX balance account a previous balance amount. I was told that because when I agreed to the auto payment I didn't make a verbal condition that if the balance goes to XXXX they shouldn't charge me, they said they have every right to charge me. They said they cant do anything to credit me the overdraft fee from my bank and can't stop the charge because it is pending. They were very cold and hung up the phone on me before settling with me. I contacted XXXX who said they will remove the fee and won't process the charge because there isn't available funds. I just received a charge from Chase on my next statement for {$27.00} for the return payment fee for a return payment on XX/XX/2019!!!! I would like to know if Chase acted Legally and Lawfully. 
We placed a complaint on XXXX  and Chase is wiping their hands clean stating that the didn't do any error because I scheduled a payment they had permission to make a withdrawal. They say they are not responsible to clear the balance when a payment is scheduled.
Product: Mortgage

After being laid off on XX/XX/XXXX within the months that followed, it became increasingly difficult to pay the full amount of my mortgage at XXXX time due to lower unemployment insurance ( UI ) payments. By XXXX I was informed that my UI had run out. Eighteen months before I had received a home modification. When I consulted my home preservation specialist with my loan company ( Wells Fargo Home Mortgage ) she informed me that I should be able to get another modification. 
I was told to pay a lesser amount that was about XXXX of my current mortgage while the modification was being reviewed. After about 5 months I was informed that I was denied the modification and told to pay the {$5000.00} plus arears that I owed or be foreclosed on. I did not have the money so today I am in foreclosure due on XX/XX/XXXX 
In addition, I changed my home insurance in XXXX XXXX and was given a refund for the remaining 5 months which I in turn attempted to deposit back into my escrow account to account for the insurance shortfall when the new coverage began. WFHM did NOT apply that refund back to my escrow account. They posted it towards my " INTEREST '' and said I owed on my escrow account and charged that amount back to my principal!!! Now I have an increased principal due to this misapplied payment. The principal depart and the escrow departments are in conflict where those monies were applied. Neither will admit that made the payment towards to the escrow only that they can " see '' the payment was made. Now my escrow shortfall has resulted in an increased monthly payment.
Product: Debt collection

Wakefield & Associates did not apply a payment. The company sent a statement # XXXX dated XX/XX/XXXX for {$35.00}. It was for services received on XX/XX/XXXX. A check dated XX/XX/XXXX for {$35.00}, along with the statement remittance stub, was sent to Wakefield & Associates.The statement number to which to apply the payment was written clearly on the check face and the amount was noted on the remittance stub. Wakefield & Associates has not yet reflected the debt as paid after phone and several email contacts! They have been uncooperative and do not have incentive to be so.! 

A statement to collect the paid debt was received in XX/XX/XXXX from XXXX. I notified them to debt was paid to Wakefield & Associates. A copy of the canceled check was sent to XXXX and Wakefield & Associates in an email. No further contact was received from XXXX. XXXX said uncollected debt passes from one company to another. A statement to collect the paid debt was received from XXXX XXXX XXXX in XX/XX/XXXX. A copy of the canceled check payable to Wakefield & Associates was sent to XXXX. We have not received further contact from XXXX. 

It seems it will be necessary to notified succeeding debt collection companies the debt was paid to Wakefield & Associates in perpetuity until they show the debt as paid.
Product: Credit card or prepaid card

File for missing credit and they keep debit and credit my account before I get money .... some body took over the account from inside