23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been called XXXX times in 7 days or More becuase they use a private number. They called at XXXX XXXX on Sunday the week prior. I asked the lady if this was legal she said it was a automated dialer. I told her this is my day of worship. And she still proceeded to try to collect money. I have been contacted XXXX times since. Since then I now have XXXX dollars more I owe. a They call from different numbers at all times of day and night. It is already keeping me up knowing I can't do anything about it giving them money but the constant reminder, constantly is giving me XXXX. I can't even sleep thinking of how I'm going to make enough. I don't believe this is right. I can't afford a lawyer to defend my rights. This company is corrupt. 
They will not even update my report showing all the payments I have proof of witch is hurting my score they just keep saying it will update it's been 8 months. HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX   XXXX XXXX credit card, which I never applied for and also XXXX XXXX which was XXXX in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from Experian but XXXX and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.
Product: Mortgage

After my XX/XX/2021 payment, the outstanding principal balance of my loan was {$350000.00}. Based on my amortization schedule that puts me at 77.8718 % resulting LTV %, which means I no longer have to pay the monthly PMI charge of {$100.00}. 

On XX/XX/2021, I called HomeBridge customer service regarding this matter to ensure that the PMI automatically drops off my loan balance as of XXXX, as per my amortization schedule. The agent informed me that customer service doesn't handle PMI matters and gave me an email address to reach out to. Right after I hung up, I proceeded to email XXXX to let them know the above. 

On XX/XX/2021, after 7 days of no response to my email, I followed up with XXXX again. 

It is now XX/XX/2021 and yesterday I received my paper statement in the mail for the month of XXXX, and it still shows the {$100.00} PMI amount due. 

I am filing a complaint here as a last resort to attempt to get a response from HomeBridge. They have given me problems with my escrow balance in the past, as they are very inefficient and uncommunicative.
Product: Checking or savings account

Summary : This complaint details my experience with Chase Bank regarding a closed account and mishandling of my funds. The closure stemmed from a verification issue with a deposited check, but the resolution process resulted in several errors and delays that caused significant financial hardship. 

Timeline of Events : XX/XX/XXXX : Deposited a two-party check into my Chase checking account ( balance : - {$1700.00} ) XX/XX/XXXX : Chase restricted both my checking and savings accounts ( balance : {$6900.00} ) due to an error with the deposited check. 
XX/XX/XXXX - XXXX : After numerous calls and speaking with supervisors, I was finally allowed to withdraw {$3000.00} from savings, reducing the balance to {$3900.00}. Chase informed me the account closure was final, and a cashier 's check would be sent on XX/XX/XXXX. 
XX/XX/XXXX : Unable to access remaining funds or receive the cashier 's check, I contacted Chase again. They claimed I had no funds and still owed {$1700.00} on the checking account. 
XX/XX/XXXX : A supervisor discovered an error where my savings balance was incorrectly added to the checking account as a negative balance. The mistake was corrected, and Chase contacted the check issuer to confirm the two-party error. 
XX/XX/XXXX : The fraud department informed me I had no remaining funds, and the negative balance error from my savings reappeared in my checking account. 
XX/XX/XXXX : I contacted the supervisor again to rectify the error and request the release of my remaining funds. This is the third time the same error has occurred, even after account closure. 
Impact : Due to the account closure and delays in accessing my funds, I : Lost my apartment due to missed rent payments. 
Incurred late fees and potential penalties on other bills. 
Experienced significant stress and hardship. 
Federal Law Violation : I believe Chase Bank has violated my rights under federal regulations by : Withholding my legitimate funds after account closure. 
Failing to properly investigate and correct errors in a timely manner. 
Not providing clear communication regarding the status of my account and funds. 
Resolution Requested : I request a full and immediate release of my remaining balance in the savings account ( {$3900.00} ). 
Compensation for any late fees or penalties incurred due to Chase 's actions. 
A formal apology from Chase Bank for the inconvenience and hardship caused. 
Additional Information : I have attached all relevant documentation, including call logs, bank statements, and any email communication with Chase Bank regarding this issue. 

Thank you for your time and attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

AMEX solicited XXXX XXXX XXXX via several mailings along with terms & condition inserts, which I reviewed scrupulously, before providing my electronic signature collateral to verify specific criteria used for credit extension, per the FCRA. 

Shortly after several hard inquiries by AMEX were recorded on my credit record, I received a letter from AMEX, dated XX/XX/2024, requesting my personal tax transcripts, with attached disclosures citing the Federal Equal Credit Opportunity Act, Consumer Credit Protection Act & the Bureau of Consumer Financial Protection. Within these Acts, application prerequisites shall be disclosed BEFORE selection of the consumer for the offer of credit. Section 10 ( b ) ( codified in 15 USC 78j ) is the primary anti-fraud statutory provision. The SEC primarily enforced this anti-fraud provision under Rule 10b-5, which prohibits the use of any " device, scheme, or artifice to defraud. '' Rule 10b-5 also imposes liability for any misstatement or omission of a material fact, or one investors would think was important to their decision. AMEX did not include any information in account opening disclosures pertaining to personal tax transcripts. 

I provided Valuable Consideration in exchange for credit that was deceptively captured via my social security number, several times, significantly impairing my XXXX credit score. 

The Securities Exchange Act was designed to force corporations to disclose information investors would find pertinent to making investment decisions. Requesting further personal information, outside of a social security number, such as personal tax transcripts AFTER demolishing my credit, is unquestionably unacceptable. 

If you can not see the code you developed to make my account, in the photos attached, here it is for your convenience : XXXX. 

Furthermore, per the Fair Reporting Credit Act, as a federally protected consumer, I opt out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely. 

I've also attached my revocation of POA. Please provide me with AMEX process for retitling my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and there are accounts that I did not authorize reporting on my files. I am not associated with any of these accounts and would like these inuqiries removed from my credit file as I am currently in the home buying process and this is greatly hindering me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Business Cred - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an autoloan with State Farm bank was obtained fraudulently on my name for the amount of {$24000.00} for a used car XXXX XXXX XXXX XXXX XXXX. VIN : XXXX. I came to realize about this loan because of an invoice of XXXX Toll service with a picture of this vehicle I never had - this invoice was I received at my address. The auto-loanthough, was obtained with a different address, a place I never lived in before. 
On XX/XX/XXXX, I went to DMV and was able to obtain a Certified Title History of this vehicle. I realized then, this car was purchased on my name. I then called XXXX  credit Bureau to obtain a copy of my credit report. I confirmed this unpaid loan hurt my good credit history and created a fraud alert and requested a service for credit monitoring.I also filed a police report same day. I also disputed this loan and they confirmed it was deleted from my report. I also contacted State FarmBank and disputed this loan as well, I was in contact with an Investigator-State Farm Bank Financial Crimes, XXXX XXXX, phone XXXX. He sent me a Forgery Affidavit on  XX/XX/XXXX. I sent all documents requested including my Driver 's license and police report. I thought the problem was solved but then was told I had to file a dispute with all three credit bureaus and called XXXX  and XXXX  ; both came back with negative results about my dispute on the auto loan. The loan remains in my credit as of now XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never heard of this company before. I am not the owner of the student loan from XXXX I contacted Transunion and address the issue but all they sent is a paper trail showing the accounts and that it has been verified.  Insufficient information. I requested Method of Verification -  evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for..
Product: Credit card or prepaid card

Case Number:XXXX Merchant Name : XXXX XXXX XXXX XXXX Tx Dispute Amount : {$420.00} XX/XX/2018 I ordered this mattress foundation on XX/XX/2018 and cancelled on same day and received confirmation that the refund would be processed. Did not show up on my discover statement. I sent them a dispute and the merchant sent them a delivery but I never received it as I had cancelled it and signature presented was not mine. I never received any merchandise and I cancelled it. I am not sure who they delivered to or who partakes in this but it wasnt me. I have no merchandise. Please assist in getting the credit. Discover card refuses to assist and as far as I am concerned it is fraud I never partakes in any merchandise after cancellation. this is fraud and unacceptable. Thank you
Product: Credit reporting or other personal consumer reports

My credit score keeps going down. I make my payments on time
Product: Mortgage

I thought I would start this process again as I have documentation that supports my view of this issue. I am being downgraded by Credit Agencies. I have written each and they all take the same view. If they do not receive monthly information form a real estate source they have no obligation to report anything positive or negative on a person. This discriminates against persons who have a reverse mortgage. In fact since you have to be over age XXXX to have a reverse mortgage it discriminates against XXXX.
Product: Credit reporting or other personal consumer reports

XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof XXXX XXXX consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim. Someone opened 2 accounts from XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$4900.00} XXXX {$10000.00} These accounts do not belong to me. I am from Tn. These accounts were opened in Florida using a fl address
Product: Debt collection

XXXX I have auto insurance with XXXX, there was a change in rate. I called to complaint and mention that I will change my insurance company. 

I obtained insurance from state farm, coverage starting on XX/XX/XXXX XXXX my policy with XXXX was paid till XX/XX/year>. 

XXXX has sent me notice that they are cancelling my policy, obviously I have obtained a new policy already. Later they send me an invoice for insurance coverage till XX/XX/year>. As a part of communication I have forwarded the copy of my new insurance to the number forwarded to me. 

Now they are sending colloection notice via 3rd party. 

Totally a scam, you are not able to communicate with a person, they keep you on phone line for ever wasting your precious time. 

I am attaching the proof of insurance that I have for the cars with state farm for those dates. 

The Reference number given to me XXXX XXXX XXXX Credit Collec tion Services XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I have sent XXXX $ from my bank of America saving account ( account number : XXXX ) to my XXXX XXXX account ( account number : XXXX ) thru XXXX ( with registered number XXXX to registered email XXXX ), the day after in XXXX this action was complete, and posted, but I have not received this amount of money in my XXXX XXXX account. I am sure something wrong has happened to this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit accounts being showed on my credit report not accurate.
Product: Checking or savings account

Funds are being processed without proper funds in the account. Charged for overdraft fees
Product: Credit reporting or other personal consumer reports

There are items on the report that I disputed asking for proof of debt. They never sent to me I file XXXX dispute in XXXX and XXXX. And items still on my report
Product: Credit reporting or other personal consumer reports

Experian has neglected to correct missing account data and Experian neglected to align with the FCRA and continues to violate FCRA 15 USC 1681 & FCRA 15 USC 1681i. They have claimed to investigated several times yet refuse to update or remove these items. Experian intentionally reports items without thorough verification and accuracy. Legal action will be the next steps. 


Dept Ed- Delete/ Remove/ Do not report Account XXXX. The balance, updated balance, recent payment, close date, monthly payment, and term data is missing? 
2. Who is the original creditor? 
3. What was the payment amount in XX/XX/XXXX? 
4. What was the payment amount in XX/XX/XXXX? 

XXXX- Delete/ Remove/ Do not report Account XXXX. The balance, updated balance, recent payment, close date, monthly payment, and term data is missing. 
2. Who is the original creditor? 
3. What was the payment amount in XX/XX/XXXX? 
4. What was the payment amount in XX/XX/XXXX? 
5. What was the recent payment amount?
Product: Student loan

In XXXX XXXX  I got a loan from Climb ( who partners with XXXX  ) in order to attend XXXX XXXX XXXX XXXX Design Program. This was one of two lenders recommended by the school. 

I took out a loan of {$16000.00} with an interest rate of 8.15 % equalling {$17000.00}. Therefore owing {$550.00} for 36 months after a 6 month deferment period. 

I used a credit card that was accepted as proof of payment at the time of loan agreement. 

I was expecting to make my first payment in XXXX but the $ never came out of my account, but was reassured everything was fine when I went on the Climb site. 

The Climb website shows I have no past due payments. & that my auto payment is set up with XXXX. And that my 1st payment is due XXXX XXXX XXXX. However, I wanted to make sure there wouldn't be an issue so I logged into my XXXX  account & it showed that I had no card on file. 

I called Climb to find out they no longer accept inbound calls. And the message center says if the funds have already been sent & used to call XXXX with any issues. 

I called XXXX and was told they no longer accept credit cards as a form of payment because " Climb said so '' or due to " new regulations in the dept. of treasury ''. When I asked for more information I was told that they don't have any. I was also given multiple dates as to when this came into effect. All of which after our agreement was made. My call was dropped multiple times while trying to get more information. 

Since the time of my loan.. Approx 7-8 months I have been contacted 0 times by either company notifying me of any updates/changes made. Including a new website. Where I can no longer access documents from our agreement. The original Climb site shows an error while trying to access those documents. While on the phone XXXX said they have to request my promissory agreement from Climb. Even though they now have a joint website. 

I've also read online about peoples experience with these companies & saying there were issues with double charging. I'm concerned if my payment method is with a savings account my money with not be protected & insured the same way a credit card will. And I will not be able to get in contact or get helpful customer service. 

I would like to pay my loan in the way I originally intended and on time. I just want to know what's going on.
Product: Debt collection

Trans Union Per 15 U.S.C. 1681 ( n ) Civil Liability for willful noncompliance. Your agency is in violation of 15 U.S.C. 1681 ( n ) by reporting inaccurate information on my credit file. On XX/XX/XXXX I requested the validity of this account per 15 U.S.C. 1681 ( i ) Procedural Investigation of multiple balances for this account being inaccurate. No such documents were produced and or mailed to me. There is no identifying account number on Trans Union report ending # XXXX however in XX/XX/XXXX XXXX XXXX XXXX XXXX reported to XXXX original account # XXXX closed, last payment date XX/XX/XXXX and on XXXX XXXX XXXX XXXX XXXX reported account ending # XXXX a payment of {$2400.00} settlement as payment in full with a XXXX balance after a write off of {$8900.00} from the original {$11000.00} account balance. 

In addition to this XXXX XXXX XXXX XXXX has violated 15 U.S.C. 1666 ( b ) Timing of payments consistently reporting to Trans Union a charge off status every month since XX/XX/XXXX with no more information reported after XX/XX/XXXX, they reported to XXXX account was closed XX/XX/XXXX. XXXX XXXX XXXX XXXX then reported another account in which I did not open ending in # XXXX as mentioned above. They reported last payment date XX/XX/XXXX on this account of {$120.00} which I did not make this payment. XXXX XXXX XXXX XXXX falsely reported this in an attempt to collect an additional debt not owed. Falsely reporting inaccurate information to prolong the length of time to report to Credit Reporting Agencies XXXX, XXXX & Trans Union is a direct violation of 15 U.S.C. 1681 FCRA & FDCRA in the State of California. To further damage my credit rating XXXX XXXX XXXX XXXX reported to Trans Union this account being removed on XXXX/XXXX, the account date of 1st delinquency according to TU report is XX/XX/XXXX which is 8 years.
Product: Checking or savings account

On XX/XX/XXXX, I received an offer from Citizens Bank for an up to {$500.00} bonus if the following conditions were met : 1 ) have an existing personal checking account or open your first new personal checking account between XX/XX/XXXX and XX/XX/XXXX and, 2 ) minimum total deposit of {$10000.00} or more into a single savings account between XX/XX/XXXX and XX/XX/XXXX, and 3 ) Savings account must maintain the required balance until XX/XX/XXXXXXXX XXXX XXXX 

I deposited {$10000.00} ( not already on deposit with Citizens ) into my existing savings account on XX/XX/XXXX. This minimum balance of {$10000.00} was maintained through XX/XX/XXXX. I withdrew no money from this account during this time period ( XXXX XXXX XXXX XXXX XXXX 

I did not receive my {$500.00} bonus, which was promised to be paid out by the end of the day on XX/XX/XXXXXXXX 

See all attachments for offer email and evidence of met requirements.