23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Received a refund on XXXX from XXXX to closed account with chase. XXXX stated that refund has been received and hasn't been rejected by chase. Called chase several times providing information in regards to the refund and was informed no transaction have posted or attempted to post but received a reference number from XXXX showing chase has accepted the fund and haven't issued a refund to me in the amount of the credit from XXXX.
Product: Mortgage

Nationstar had acquired my mortgage from XXXX XXXX XXXX sometime in XXXX XXXX after I purchased my house on XXXX XXXX XXXX XXXX, NY XXXX in XX/XX/XXXX or XX/XX/XXXX. I subsequently sold the house on XXXX XXXX, XXXX to XXXX XXXX. It came to my attention in XXXX XXXX while doing my income taxes, having received tax documentation from NationStar, that they had paid {$5500.00} of my escrow for the XXXX taxes for XXXX XXXX . I contacted Nationstar, they agreed it was an oversight however, they REFUSE to refund the {$5500.00} to me. I am requesting that not only the {$5500.00} be returned but also treble damages be attached in the amount of {$16000.00} for Nationstar 's blatant refusal to address my issue, even after having admitted to their mistake. I also ask that a 3.99 % interest rate be added ( current mortgage interest rate in my area ) making a total of {$23000.00} to be refunded.
Product: Checking or savings account

XXXX can not close CD Supposedly because of some computer glitch. This has been going on for 3 days and no resolution in site. Also, they never contact me of any updates. On the third day after repeated calls they finally put in a research report to fix the problem. Why they didn't do that 2 days ago, don't know? If I didn't repeatedly call, would they have done anything. What a terrible consumer relationship problem.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have a Chase card reporting on my credit report as a derogatory account. I have contacted Chase Card to inform them That i did not open a credit card account with them and wanted them to provide me with my signature requesting to be added as an authorized user on the account. Chase sent me a letter with no verification that requested that I was listed as an authorized user on the account. I want this account immediately removed from my XXXX, XXXX and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I had received a refused for delivery from this company of LCI Consumer Center. I also have proof of a certified mail from USPS tracking # XXXX and that I sent to remove items from this company data base. 


Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing in reference to the three credit bureaus. I am having an issue with each bureau reporting information on my credit report that in unjust. First and foremost I have attempted to fix these issues on a few occasions and they have helped with nothing. The first is XXXX XXXX not only have I disputed this account on multiple occasions they have yet to notate the account that it has been disputed this is a violation is grounds for removal of the account on my credit report. This account is also reporting as an installment account and that is incorrect because it was a sales agreement, that is another violation due to incorrect reporting. I also have an issue with two other accounts that are in violation of 1681e-d one is capital bank, and the other is credence RM. I have been disputing capital bank since XXXX and they have yet to notate the account stating that it is in dispute meaning that this is grounds for removal and also a violation under the FCRA because they must notate the account within 30 days. These companies have also failed to provide the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX bank and XX/XX/XXXX. That means I have no contractual agreement to pay them on alleged debt. Please remove all accounts from my credit report immediately. These accounts are also reporting charge off payment histories, however, a charged off account should not reflect any payment history because a charge off is not a form of payment, in fact a charge off is considered income under consumer law. Please remove from my report immediately, thank you.
Product: Payday loan

We needed money to pay the rent, car, and food for the two months I was without a job. I am not educated with money and we needed money really bad. I borrowed XXXX dollars from XXXX XXXX / Cash Call. There was instantly a XXXX processing fee, so I basically borrowed XXXX. Since XXXX 2013, I have been paying XXXX dollars per month. Today, I still owe Cash Call 2500 dollars. The interest that I am paying against is evil. I will never be able to pay this off. To date I have already paid approximately XXXX for a 2300 dollar loan. I do not know what to do. I have paid XXXX the principal of the loan. And I still owe them XXXX. I did not know that this loan would be literally putting me in a mountain of revolving debt that I will never be able to pay off. I would like to report them for convincing me to take out this loan. This is a scam. This has caused major hardships for me and my family. We need your help.
Product: Credit card or prepaid card

On XX/XX/18, I applied for a credit line increase on my account. I was denied on the sole basis that my monthly average monthly payment has been too low. I feel that this is a discriminatory practice on the basis of my credit limit being only {$500.00}, so obviously my minimum monthly payment would be low, and the reason I only make minimum payment is because my balance is on a 0 % interest, so making larger payments doesnt make financial sense to do so. Ive demonstrated fiscal responsibility in managing my credit card, and theyre forcing me to have to explore other credit options to meet my financial needs. If I had known this was going to be an issue I wouldve not agreed to terms of this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to have this incorrect reporting resolved for the past several months with no resolution it is still reporting inaccurately. This account has been reaged and is a violation. please delete this immediately.I have attached a copy of my credit report as proof XXXX  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX Experian  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX As you can see this account XXXX XXXX XXXX has been re-aged in is a violation please delete this from my report now
Product: Mortgage

Please note I am still in the pre-approval process for a mortgage and have not even started to view homes. 

I was contacted by an individual regarding my mortgage application and believed it to be a person from the company I was already working with. It was not and they charged me a {$500.00} application fee. Once I realized it was another company trying to scam me, I asked to have the application cancelled and the fee refunded. During a call with customer care, I was told that it was not an application fee ( since to my understanding is not a legal fee ). However, I have the following email which describes it as an application fee : XXXX XXXX, This is a receipt for a charge in the amount of {$500.00} to your credit card ending in XXXX. 
This charge was for your XXXX XXXX. 
If you have any questions or concerns regarding this charge, please contact XXXX XXXX. To ensure accuracy, please use your XXXX XXXX. XXXX as a reference. 


Warmest Regards, XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX Desk XXXX Fax XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 states : a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The list of accounts appearing on my credit files by Transunion, XXXX and XXXX below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX XXXX XXXX XXXX ( Acct # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was subscribed to the Equifax XXXX XXXX plan credit monitoring service. I chose to cancel this membership due to the fact that my personal information was compromised during a security breach at Equifax. I feel that I should not pay for a service that is suppose to protect me from these type of events, if the company providing the service can not protect my information. So I chose to cancel. My credit card was billed on XXXX/XXXX/XXXX and I cancelled my service on XXXX/XXXX/XXXX. Equifax refuses to refund my payment which was for a full month of service, even though It was only used for 1 day. That is not ethical for a company to charge you for services they never provided. That is basically stealing. Equifax has refused to return my money, and have no valid reason why they can not refund my money.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my credit report due to fraudulent activity. 
I've raised my concerns to all three credit bureaus and the companies as well. These reportings are hindering me from purchasing a home and obtain credit. I've recently refiled a fraud notice with all three credit bureaus. I will note each account and the information down below. 

XXXX XXXX XXXX XXXX  XXXX ( partial acct : XXXX ) - balance reporting as {$770.00}, paid closed- written off. 
I have no knowledge of this account. I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 

XXXX ) XXXX XXXX XXXX  ( partial acct : XXXX ) - $ XXXX charged off I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 
also reporting twice as charge off, which has dropped my credit score significantly. 

XXXX XXXX XXXX XXXX XXXX ( partial acct : XXXX ) written off {$430.00} I have no knowledge of this account, and believe it to be a result of the fraud that was done on my name/accts. 

XXXX ) XXXX  ( partial acct : XXXX ) - balance {$550.00} This account was paid off- I noticed that for XXXX  years they have been reporting it as a charge off! Please assist with the removal of this account from my credit report. 

XXXX ) XXXX XXXX XXXX ( XXXX ) - closed paid this account belonged to my father who has since passed away in XX/XX/2023. I was a authorized user on his account as I handled his finances. Please assist with the removal of this account. 

XXXX ) XXXX XXXX XXXX ( Equifax, XXXX ) - charged off this account was paid- and should be removed from my credit report. It appears that it has been removed from XXXX correctly, yet Equifax and XXXX have not done so. 
please assist the removal of this account. 

I have submitted copies of police reports that I filed when my belongings were stolen. 
I had to get new checking accounts, and other accounts to prevent further fraud. I ask that this information be communicated to the three credit bureaus and the information be removed from my report ASAP.
Product: Credit card

I put XXXX purchases on Citi 's Flex Plan, which allows you to pay off certain purchases over a period of time for a fee. When my XXXX statement arrived, I called Citi to confirm what amount I needed to pay to avoid incurring interest charges. I was told the wrong amount.

It would be helpful if the Citi statement clearly identified what amount needs to be paid to avoid incurring interest but it doesn't. 
When the XXXX statement arrived, I saw that I had incurred {$68.00} in interest charges. So I called Citi and explained to them that they had informed me of the wrong amount. They removed that charge and clarified what XXXX numbers I had to pay to avoid incurring interest. I then paid the XXXX statement in accordance with their instructions on XX/XX/XXXX ( though it was due XX/XX/24 ). 
I just received my XXXX statement and it includes {$47.00} in interest charges. I called to ask why this was incurred, and was told it is because I had not paid the XXXX statement in full. I explained that the reason I had not paid the XXXX statement in full is because I was misinformed about the amount due, as evidenced by them removing the charge on the XXXX statement. They said they can only remove interest once. So I want my {$47.00} but what's more important is Citi should clearly identify the amount due to avoid paying interest.
Product: Money transfer, virtual currency, or money service

My husband and I were selling a puppy. We were contacted by a person who said they were interested in purchasing him on XX/XX/XXXX. He was out of state, but was going to use a shipper vet he had used in the past for his daughter to bring him home. He would send us a check via certified mail. When he messaged us to let us know the check was on it's way, he said his financial person had made a mistake and wrote a single check for {$2700.00} and " hoped we would do the right thing. '' We were asking {$1100.00} for the dog ; the rest was for the shipper. We received the check on XX/XX/XXXX and deposited it. The bank cleared it on XX/XX/XXXX. Once it cleared we contacted the buyer and coordinated when the shipper would pick him up. They planned on the next day. The shipper asked to be paid prior to pickup and my husband sent him the {$1600.00} via XXXX on XX/XX/XXXX. On XXXX I saw that the check had been listed as a returned item and we were now negative in that account. I knew immediately what had happened and realized we were scammed.
Product: Credit reporting or other personal consumer reports

I have numerous times requested a accurate and up-to-date current credit report from all three reporting agencies. I still seem to have a problem in getting anyone on the phone or getting any results any other way in trying to find out why I'm not afforded that right to inspect and view my actual report like everyone else
Product: Mortgage

On XXXX XXXX, 2010 our clients purchase a manufactured home which had a lien from the previous owner. The mortgage was paid in full on XXXX XXXX, 2010 but a release of lien was never provided and now our client is in the process of selling their home. I 've requested, on 5 separate occasions, a release of lien. I 've provided all proofs to show that the lien/mortgage was paid in full. They lien holder has not acknowledged receipt of any of my requests.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, i sent money to my family in XXXX. This was through western union. The transfer said it was going to be available in 30 minutes. It took about 5 days to show up. When the money was taken out of my account the following morning. Then I called several times to track my transaction and the operators kept on telling me my account was locked for my safety. I kid you not, I called about 6 times and I kept on getting told the same thing even when I spoke to the supervisor XXXX. This so called supervisor said he was going to call me back with answers. He never did. Now I just want to cancel everything and get my money back. I will never use western union again!! I do not recommend. I also disputed he transaction with my bank because western union cant access my transaction because its locked. Red flags from the beginning. Shut western union down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I have disputed XXXX XXXX XXXX on my Equifax credit report. I have sent an Affidavit and police report stating this is not my account. But Equifax refuses to obey the FCRA. They refuse to remove this account from my credit report. This has caused me Financial damages in higher interest rates and emotional distress.
Product: Mortgage

EAGLE MORTGAGE IS VIOLATING THE LAY BY PAYING COUNTY LINE PROPERTYS FOR MORTGAGE BUSINESS IN XXXX. THEY HAVE BEEN VIOLATING CFRPB RULES XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX