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

I sold a property with a mortgage attached to it. I made on-time payments for 3 years for the $ XXXX loan. I was told by the escrow agent that we would be closing before the next payment would be due. The escrow closed 8 days late. The loan was paid in full ( XXXX  ) XX/XX/XXXX though this was 8 days post the 30 day grace period though this was not due to being " delinquent '' rather due to miscommunication between the escrow, bank and loan agents. I was told that paying any payments would throw off the closing documents that were already executed. 

I spoke with US Bank, and the mortgage customer service agent was very sympathetic and thought it was reasonable to remove the delinquency notice from my credit. She requested it be removed on XX/XX/12, and US Bank senior investigators replied " no. '' I think this is entirely unfair. I was not " delinquent '' rather trying to follow directions during the closing escrow of a sale. Please help. I've attached escrow closing documents and the US Bank denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open A Fruadulet Account on my Credit Report.
Product: Mortgage

I applied for loan with Executive Financial Group XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2020 and they failed to provide me a Loan Estimate within 3 days. 

I called several times and at the end on XX/XX/2020 the loan office ( XXXX ) was rudely saying " Do you wnat the loan or not? " and deflecting my question about why I had not received loan estimate when I applied with them and they ran my credit and requested all my documentation.. Please address or assist so they don't mislead consumers..
Product: Debt collection

2013 This account is not mine. My wallet was lost and someone used my identity. Can you please remove this from my credit report is is affecting me.
Product: Credit card or prepaid card

I have had a credit card account with US Bank since ~XXXX. I changed the email address associated with the account and singed up for paperless billing. US Bank continued to send my statement to the old email account. I called numerous times and they would never fixed the problem. The correct email is what I see when I log into the cc website. 

My privacy has been violated as the emails continue to be sent to the wrong address. 

Additionally they have the wrong phone number on file despite numerous attempts to remove that phone number as I went to only a cell number. 

Recently they shut the account as I refused to use the card until the address was corrected. 

Nobody at US bank took the time to believe me that the statements were being sent to the wrong place and that I was not getting the information.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I went on XXXX to book a hotel on XXXX XXXX. Like on most of the websites you search for the place you want to stay and dates. After I got the confirmation Email I noticed that the hotel they booked me was in a completely different XXXX Island that I didnt search for. I called XXXX to get this resolved and they answer was simply that they cant refund anything. Causing me for that reason to book my XXXX trip with XXXX for pretty much the same amount using the same credit card so i can prove lateer on to citibank what XXXX did. So I went ahead and file a complain with Citi bank on the credit card they charge me to get this fraudulent transaction reported. After a month I received a letter from Citi saying that they reverse the transactions because XXXX simple response and said that my transaction was not refundable. This is stealing consumers money, plain and simple. I feel betrayed by Citibank which i been with them for many years. 
Date XXXX/XXXX/XXXX Ammount {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is  XXXX   XXXX  and I had a concern regarding   XXXX   placing a thirty day late on my account in  XXXX  of  2016. I was not supposed to be reported for this late, according to a manager i spoke  with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.
Product: Credit card or prepaid card

I stayed at XXXX XXXX XXXX XXXX and they placed {$150.00} credit hold on my American Express Bluebird card. On my account it says {$170.00} on hold. I left the hotel on the XXXX of XXXX. It was released immediately at XXXX XXXX according to XXXX at the hotel on XX/XX/2021. XXXX XXXX is still holding the charge on my card 11 days later after the hotel released the hold. They have no business holding the funds any longer and will not release the funds even after I've had the hotel on the phone. 
I want my funds released immediately. Thank you.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit reporting or other personal consumer reports

Subject : Deletion of Unauthorized Credit Inquiry & Retraction CAPITOL ONE AUTO FINANCE I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX, XXXX, and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession.

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Product: Debt collection

XX/XX/2018 Phoenix Financial Services inserted a medical account representing XXXX XXXX XXXX onto my credit file. This alleged account in the amount of XXXX is a result of identity theft and does not belong to me. Not only did Phoenix Financial insert this account they did not give me my right to dispute the validity of this account nor did they give me notice that they were inserting this account into my credit file. this account is damaging my credit file and it is not my account. Also this states it is medical I have did not business with XXXX XXXX emergency nor have I did business with Phoenix Financial, therefore, I have no obligations to pay either. Also being that this look as though it is a medical account I have never given either company rights to share any medical information, therefore, they would also be in violation of HIPPA. This account is indeed a result of identity theft and does not belong to me.
Product: Mortgage

LoanCare is my lender that I was forced into using after my previous lender sold my mortgage to them. They have been beyond difficult to work with even when you can get connected with them. This time, their website is not allowing password resets, no matter which way you try ( email, phone, SMS ). I have no way to reset my password to retrieve my tax document on the day I set aside for taxes. I tried calling, and their IVR recognized my account based on my phone number, so I know they have correct account information for me. Their sites password reset just does not work, and there is no communication posted about updates or system interruptions. 

This company is not open on Sundays when working people are trying to catch up on important things like finances and taxes. LoanCare does not have a way to contact them for tech support outside of their business hours.

If this company is legally allowed to go around collecting money from people as a collections agency, they should provide support 24/7 since people may end up defaulting on their mortgages on a Sunday. We are all stuck waiting for LoanCare to open for business Monday morning. This is unacceptable. Accountability should go both ways, and they should be held accountable for not providing support around the clock if people can not login to pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On report XXXX, Experian is listing the city for my current residence XXXX XXXX XXXX XXXX, XXXX, WI XXXX as XXXX when it should be XXXX. When I try to dispute this information online, the system will not process the request. And they are incorrectly listing the city on a prior address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, WI XXXX as XXXX when it should be XXXX XXXX. The report also lists the same address in two different variations - one with the apartment number and one without, the address without the apartment number is not correct and should not be listed on the report.
Product: Credit reporting or other personal consumer reports

I do no recognized these credit inquirys. I contacted the credit bureus to remove them but they do not remove it as I asked. Im providing an identity theft report and im requesting to remove these inquiries from my report.
Product: Credit reporting or other personal consumer reports

I contacted XXXXXXXX XXXX XXXX and updated the mailing address for a credit card opened in my name. Account was opened on XX/XX/year>. I advised them to close the account advising this account was fraudulent. We reviewed the charges and the charges onthe card were mainly from a different country. They advised the investigation came back negative and concluded I was responsible for this. This investigation occurred I believe in XX/XX/year> when I first became aware of debt. When I asked what the determining factor in the investigation was being concluded against me, a rep via phone advised they couldn't provide that information. After speaking with a supervisor he advised me to mail a request requesting reason for investigation being closed. Also advised me to file a police report and mail off which was also done. For months I received no contact unless I called the creditor. I now come to see debt has been sold to XXXX XXXX XXXX for a higher amount than the credit was originally for. 

Original Debt was {$400.00} and debt was sold for {$780.00}. 

I contacted XXXX XXXX today who are unable to provide me the paperwork regarding the sale. I also attempted to contact XXXX XXXX and they'll no longer help me advising me to contact XXXX. I'm unsure how to resolve the situation. Technically there is now no documentation regarding this account. 

I can attach an invoice from creditor. Only documentation I have is bills. I have none of the original bills as I had to have the mailing address updated to my current address. 


I have another instance of fraud occurring with XXXX XXXX. Appears this card was taken out XX/XX/year>. Notating this card as I'm attempting to have this card rectified as well. No statement has been received regarding this bank.
Product: Debt collection

On XX/XX/XXXX of this year aka yesterday, a civil servant came to my door bearing a summons to court for XX/XX/XXXX of this year. I saw no badge or uniform on this person and called to see if the court date was legitimate. 
It is. 
My sister acting in my stead with my permission and me being in the same room as I was in a bad mental place called to speak with the attorney 's office and was told to take out a loan. I, after getting a handle on myself, recalled the office trying to set up a payment plan. This will be difficult to do but I do not want to go to court. I was refused and told to get a loan or take my chances in court. 
I have neither the credit or collateral to do so. 
Today, XX/XX/XXXX, I called in order to have the office send m a copy of the debt validation letter which I do not have a copy of. XXXX XXXX, the person I have spoken to, would not listen to what I asked for specifically instead saying they would put in an order for the company to send me a secondary validation letter. 
She was very aggressive and I feel very intimidated trying to put my thoughts together and form answers. I do not like confrontation and I suffer from XXXX. 
I am very concerned aboout all this because I don't have the complete account number on either the court summons and I don't have a validation letter warning me about legal action. The only thing I have in my possession is this court summons. I don't even know how much the original debt was for.
Product: Credit reporting or other personal consumer reports

Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX SYNCB XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XACTUS XXXX XX/XX/XXXX XXXX XX/XX/XXXX NORTHWEST XXXX XX/XX/XXXX FIFTH THIRD XX/XX/XXXX TD AUTO FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TD AUTO FIN XX/XX/XXXX FIFTH THIRD XX/XX/XXXX XXXX XXXX XX/XX/XXXX CULS/CINCH XX/XX/XXXX MOVEMENT MOR XX/XX/XXXX FIFTH THIRD XX/XX/XXXX XXXX AUTO XX/XX/XXXX TD AUTO FIN XX/XX/XXXX XXXX XX/XX/XXXX CULS/CINCH XX/XX/XXXX ROCKET MORTG XX/XX/XXXX CREDIT PLUS XX/XX/XXXX XACTUS XXXX XX/XX/XXXX XACTUS XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX BIRCHWOOD XXXX XXXX XXXX GA XXXX Chapter XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX XACTUS - AVANTUS XX/XX/XXXX TRACG/CBNA XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XACTUS-CP/MOVEMENT MOR XX/XX/XXXX XACTUS-AVANTUS/ROCKET XX/XX/XXXX XXXX MOR XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XACTUS-CP/MOVEMENT MOR XX/XX/XXXX XXXX BANK XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX CREDIT/CHEVROLET XX/XX/XXXX THD/CBNA XX/XX/XXXX XXXX XX/XX/XXXX XXXX CREDIT/RIDENOW POW XX/XX/XXXX XACTUS-AVANTUS XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX BRAIDWOOD TER XXXX XXXX, GA XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX THD/CBNA XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, XXXX, Experian, & XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I bought a XXXX Buick Lacrosse CX from Drive Time in XXXX KS. I only had the car for about 3 weeks and only drove it about XXXX miles and a rod started knocking. I was without the car for 2 weeks. Got it back on XX/XX/XXXX and 5 days later the muffler fell of in the middle. The very next day the car started leaking gas. They said when I bought the car that it was inspected which I believe is not the case as what has happened.
Product: Credit reporting or other personal consumer reports

they will not open my credit report and saying send in documents but have 3 times and now have proof certified mails and their still saying they not get it its wrong and messed up my life.
Product: Credit card or prepaid card

i had filed a fraud claim for XXXX and bank of america refuses to place my credit onto my account
Product: Credit reporting or other personal consumer reports

I was sick for several months. XXXX wanted payment for an insurance policy. When I left the hospital, I called XXXX to make payment and renew my insurance policy. They told me that they would notify credit agencies that the payment was made ( last payment, and for the future year ). XXXX and XXXX do not show a collection, but they correctly show my current contact information. Transunion was using 2018 contact information, changed my login credentials so that I could not login to see what the problem was. I spent two hours with 4 agents and a virtual chat until the login problem could be resolved. Once I logged in, I could not see my credit score unless I paid for it. My account is free because my personal and financial information was leaked to the public. I have only one error on the report and have disputed it. However, this company seems to not be able to maintain accurate credit records, accurate contact information, changes one 's login credentials, and then can not verify the user against current information because my current address does not compare with outdated contact information that was never updated. Their agents were unable to solve the problem until the last young lady finally lucked at the account and determined that my identity-verifying questions could never by answered correctly because current information was compared against an address that was changed in 2018. This company damaged my ability to qualify for credit cards and loans. They would not allow me to login because they had never maintained an accurate user profile, and their agents could not find the source of the error until the smart young lady thought outside of the box and found the problem.
Product: Debt collection

complaint no. XXXX you help me with does n't seem to be resolved the collection agency XXXX XXXX after they said they would cease collection they sold account to another collection agency called phoenix financial services XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX their e-mail is : XXXX tel. XXXX
Product: Payday loan, title loan, or personal loan

I had one late payment over 46 months ago. I've tried calling to speak to someone about forgiveness on this as I've only had one late payment in over 5 years with this line of credit but no one at Regions seems to know who I need to speak to. I keep getting told to call numbers that just referred me to their number. It's frustrating, that the employees CAN NOT point you in the right direction.
Product: Checking or savings account

This is not the first complaint submitted. This is referring complaint number XXXX. Initial complain was submitted on XX/XX/XXXX : My father made me a check from his XXXX XXXX Account on the XXXX of XX/XX/XXXX and mailed it to me on XXXX XX/XX/XXXX. The check accidentally arrived at the wrong address. The individual that received the check forged my name and sponsored it to his bank account. After confirmation with XXXX that the mail was delivered, my father tried to cancel the check but alas the deposit had already been processed to the individual 's account at Navy Federal Credit Union. A formal fraud complain was submitted to XXXX XXXX the XXXX XX/XX/XXXX to try to recover the funds. We were told that it might take up to 120 days for a response. It's been over a year and still no response. All XXXX XXXX have been able to tell us is that there is no response from Navy Federal Credit Union and there is nothing else they can do but wait for the bank 's response. 

The final response from Navy Federal Credit Union to me was on XX/XX/XXXX : Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. We have reviewed our members concerns. Our records show that on XXXX XX/XX/XXXX, a check in the amount of {$80000.00} was deposited to a XXXX XXXX account. On XXXX XX/XX/XXXX, the funds in question were returned to the originating financial institution. XXXX XXXX XXXX will need to contact the issuer of the check for any further inquiries on this matter. If Petty XXXX XXXX has any further questions, he may contact XXXX XXXX, Vice President, XXXX XXXX, at XXXX, between the hours of XXXX a.m. and XXXX p.m., Eastern time, weekdays. 

But the above response was faulty. My father checked his account and the amount was never submitted during that time frame. Also the gentleman by the name of XXXX XXXX that I was to contact have never answered any of my calls or returned any of my voicemail messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained that I did not authorize the hard credit inquriy on XX/XX/XXXX from XXXX XXXX XXXX. They said it went to the XXXX location branch bc it was closeest to me and then ran my credit report again!!! I want this taken off immediately they did not help me whatsoever