23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This complaint is regarding my South West Rapid Rewards card ending in XXXX. In or around XXXX of 2014, I gave XXXX verbal authorization over the phone to charge a down payment of {$100.00} dollars to my credit card for a down payment on a car a friend was purchasing. XXXX XXXX proceeded to charge my card {$1000.00} dollars which i disputed with Chase next billing cycle. Chase issued me a credit and started the investigation. Chase then reversed the credit of {$900.00} and charged me {$900.00} dollars for a payment I never made nor can the vendor show any proof I authorized any charge that I gave them permission to charge my card anymore than {$100.00}. Chase has failed to protect me as their customer and I will also be reporting this to The Consumer Protection Agency.
Product: Payday loan, title loan, personal loan, or advance loan

I have communicated to OneMain Financial that I was a victim of an internet scam. My funds including my loan were stolen through the scam. I filed a report locally and federally. The scam has ruined my life financially. I am trying to catch up on my bills and other areas of obligation. They said they didnt have any resolution for me except deferring the payments temporarily. I recently received notification that my request to lower the payments permanently was denied. I can no longer afford to pay off this loan. Im aware of the negative impact it will have on my credit history. I dont have a choice as long as my case is an ongoing investigation with no guarantee my funds would be recovered. Since confirming they couldnt assist me in my unique matter, theyve begun to call me relentlessly. Today OneMain Financial crossed the line by contacting my employer. My employer is not a form nor main contact option in my profile. My employer doesnt have a direct line. All calls are directed XXXX XXXX XXXX. They proceeded to pose as a client for my employer requesting I contact them. XXXX XXXX proceeded to send a highly visible email to my location that is seen by my team that I manage revealing a client from OneMain Financial is trying to contact me. I want to cease and desist all contact with OneMain Financial. They are harassing me. Ive accepted my financial crisis and Im trying to resolve my debt in order. If my debt reaches collections then I accept. I can not afford to keep up no longer. Thats my prerogative. I do not want to be harassed or my financial strife exposed at work. I feel extremely violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

Please see below from my current mortgage broker for the actual payoff amount wired to Wells Fargo on XX/XX/2019 for my refinance. I was told per the email attached (second attachment) that my $XXXX   was included in the payoff balance. That is not correct. Wells Fargo still owes me my $XXXX which was mishandled and placed into suspense without my permission. $XXXX was wired to them, not the $XXXX  which they stated was paid that “included the $XXXX placed in suspense”. Wells Fargo still has my $XXXX and I would like this refunded ASAP as I have told them on several occasions now to which their response is "this case has been opened and is being worked/reviewed".  There is a $XXXX difference in the amount wired to Wells Fargo versus the payoff estimate they are stating was provided to my current lender for the refinance. To date, I have only received $XXXX   via check from Wells Fargo, refunded from the overage on my escrow. Being that the Wells Fargo payoff estimate was including everything through a XX/XX/19 payoff date, when in fact this was funded and $XXXX XXXX wired to them on XX/XX/19. At minimum, they owe me $XXXX for the discrepancy between what was refunded to date and the overage my current mortgage holder paid to them along with my $XXXX not included in the payoff balance. (From my current lender who I refinanced to)**Hi there XXXX,It was a wire that we sent to Wells Fargo on XX/XX/19.  I have a confirmation number of XXXX for the amount of $XXXX on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX & I am including it again., XXXX XXXX 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: Mortgage

During Covid 19, Wells Fargo offered relief to consumers for up to six months with options on how to reconcile missed payments. I utilized three months ( XXXX, XXXX, and XXXX ) worth of loan relief. I called in the second week of XXXX to make sure I was taken off the loan relief, make a payment, and to request the balance be moved to the end of my loan. This required some notarized documents, which were received approximately XX/XX/2020. 

I payed my XXXX, XXXX, and XXXX payments. However, I was supposed to be contacted by a notary which did not happen until the second week of XXXX. While waiting on the notary, I had contacted the executive office and they explained I could use any notary I wanted so I found a notary and sent the documents off by XX/XX/XXXX, BEFORE the Wells Fargo notary ever contacted me. 

I have made my payments timely, completed all requirements asked of me but they are not applying my timely payments. They are taking the money and logging a past due amount for XXXX through XXXX. If they are taking my money, how am I past due? It took them a whole month to get me the papers, another month ro get the notary to contact me, and now I am going on a third month waiting to hear back from them while they hold my payments XXXX. There is no excuse for this. This pandemic is an extraordinary circumstance and they are taking advantage of people.
Product: Money transfer, virtual currency, or money service

I was sent two separate cash app transfers from XXXX XXXX {$2000.00} and XXXX XXXX {$1000.00} on XX/XX/2021. Before I could deposit the respective amounts to my bank account someone hacked into my account and bought bitcoins with my transfers. I have tried calling cash app many times but could not get any help. I travelled out of the US on the XXXX of XXXX and just got back. while I was away contacted cash app through the mobile app but no resolution was provided. I do not have a bitcoin account and never had a bitcoin account. I recommended cash app ( square ) to reverse the transaction since it took place on their app but they say they could not. Both senders have also tried to recover their respective transfers from cash app but their efforts have been futile. I would like cash app to either send me the transfers or refund the senders.
Product: Checking or savings account

My name is XXXX XXXX and I have a safety depoit box at Citibank in XXXX. Due to Covid-19, the bank has been " temporarily closed. '' However, although other banks and businesses in the area have reopened, this bank remains closed and no one has answer as to if and when they will reopen. It is very frustrating for me because I have belongings in that box that I need to access but am unable to. I have called the branch, nearby branches that are open and I even called the 1-800 customer service number but no one has answers. At this point, I need answers and would like to withdraw my belongings and be done with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for Security Fin which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted SEVERAL times to TransUnion that they are reporting inaccurate information on my Credit profile. The first was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pull my report every month on the XX/XX/XXXX. TransUnion is reporting a US Bankruptcy Court. Per the FCRA 623 ( a ) ( 5 ) : m " If ther Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove the said information from the consumer credit profile. '' The Bankruptcy Courts have also reviwed the Public Record section on TransUnion Credit Bureaus Report. As a result, the bankruptcy court gave me a letter wich emphhatically stated that they DO NOT provide any information to the credit reporting agencies, nor do they ever validate or confirm public records. The courts rep also informedf me that Public records information is NEVER validated by the U.S. court system due to the Fair Credit Reporting Agencey PRIVACY LAW. I have sent several letters to TransUnion regarding this matter and have only gotten back verified and I keep asking for them to CLARIFY how they can keep confirming something that is NOT MINE and I NEVER get an answer. Please help me correct this matter with this Bureau.
Product: Credit reporting

I remain extremely concerned that Experian fails to operate with integrity. I filed a complaint through your firm and Experian responded that they would follow up in 60 days. Experian issued a final report to me several weeks ago but have yet to update their response to your organization. I remain hopeful that filing another complaint will warrant immediate action. There are several XXXX accounts that are reporting on my credit report inaccurately. These accounts list that I filed a bankruptcy in XX/XX/2016 and XX/XX/2016 which false. I must assume that someone has compromised my identity and have opened these accounts without my consent. I have NEVER, EVER filed a bankruptcy in XX/XX/2016 or XX/XX/2016 or at any point in time in XX/XX/2016. Please delete these accounts from my file immediately. I am also requesting that Experian follows up with your organization in a timely manner. This inaccurate reporting is creating a significant financial strain and hardship. I believe that Experian is discriminating against me because of my ethnicity.
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. 
Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : Uplift, has violated my rights. 

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 generallf, 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: Debt collection

So over the past months i've been trying to an accurate mortgage loan from the original company XXXXXXXX XXXX and the debt collector M & T Bank .. On XX/XX/year> XXXX stated they did a wire transferred for {$350000.00} to the closing attorney office to cover the loan .. Now M & T Bank who purchased the debt as stated by XXXX XXXX stated it was $ XXXX that was transferred on XX/XX/year> .. Not only did M & T Bank ILLEGAL purchased the debt but their loan total is about $ XXXX more than the original mortgage company as stated in the attachment..
Product: Credit reporting or other personal consumer reports

I have filed several disputes with Equifax concerning accounts that were paid in full but are still reflecting as negative accounts. I should not have any student loans debt in the negative. This was investigated and dept of educ reported my updated info. Also these accounts were paid in full .Smart sales, college foundation , XXXX XXXX XXXX  XXXX dept of educ XXXX acceptance now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factortruct, Inc is on my credit report I don't know what this is I never apply for anything at this company. Factortruct, Inc on my credit report can you please remove them. Starting with date XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is effecting my score they are hard hit item that I have no knowledge of. please can you remove them.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is XXXX her reporting the wrong account balances on two collections accounts ... I have made payments on those accounts and they refuse to update the right amount that I owe I have sent them prove of the payments and they still refuse to update my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a discharged bankruptcy ( XXXX ). It is reporting as a negative remark with the credit bureaus. They are also reporting that I have 28 serious delinquent accounts which are the accounts that were included in the bankruptcy. These accounts were never late. When I filed in XXXX each account was paid for the month of XXXX. I feel that this is a misrepresentation of what my credit profile is. I have repeatedly asked the bureaus to tell me which accounts were seriously delinquent and they can not. This is causing me to be denied for credit and is keeping my fico score from increasing. I have sent letter to no avail. I have not had a late payment on anything in 8 years. Please advise as to how I can resolve this situation and stop the bureaus from reporting this inaccurate information. Serious delinquency means I do not pay my bills on time and I do.
Product: Credit reporting or other personal consumer reports

I feel as the following companies have violated my consumer rights. Including the following XXXX XXXX, and XXXX XXXX. 
In reference to privacy act 1974 ( 5usc 552a ) Fair credit15USC 1681,1681b.

The named companies are in violation of 15USC1016.4 ( a2 ) ,1016.5 ( g ) ,1016.10,1016.16.

I'm am witnessing security fraud and in food faith giving you time to correct it.

Therefore I am exercising my write to opt out under protection of the fair credit reporting act.
Product: Credit card or prepaid card

On XX/XX/XXXX, a new patient to our XXXX practice, XXXX XXXX, was seen for an XXXX XXXX, XXXX XXXX, and XXXX  which totaled {$1200.00}. The patient, XXXX XXXX, received the XXXX  on XX/XX/XXXX. He complained that the XXXX  thickness was too thick. We spoke with him regarding his high prescription ( XXXX ) and offered to send the XXXX back to the laboratory to remake the XXXX  and try to improve edge thickness. We spoke with Mr. XXXX on many occasions regarding the status of the order without incident. On XX/XX/XXXX, Mr. XXXX was dispensed the XXXX  via XXXX. XXXX with a pick up signature. Later, we discovered that previously on XX/XX/XXXX Mr. XXXX had already filed a chargeback with his credit card company stating he cancelled the order. Our signed policy strictly states the patient has 24 hours to cancel the order. We sent documents to the credit card company, JPMorgan Chase Bank, disputing the claim and referencing the XXXX XXXX, XXXX, and the pickup signature. The merchant services initial debit our account ( {$1200.00} ). A dispute letter was submitted. Merchant services credited the account. Later, we receive a second chargeback letter on XX/XX/XXXX. Merchant services debited the account again stating the customer cancelled the order. We have now filed legal action against the fraud. We are filing this complaint against JPMorgan Chase Bank for allowing their customer to not pay for goods and services provided. Mr. XXXX has stolen the XXXX and has not paid for professional services at his request. We have clearly submitted documents confirming actual events, however, JPMorgan Chase has acted in favor of their client 's claim without any supporting evidence or documentation. We believe JPMorgan Chase is culpable in this complaint due to negligence in not examining all documents supporting our claim or simply ignored it. And, unilaterally supported judgement of the chargeback without evidence to the contrary. JPMorgan Chase upper management should be alerted of this practice and provide additional training to the department which has poorly handled this dispute.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and does not belong to me. I need to be removed. Also nest as well. Thanks FORTIVA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2020 I requested payment assistance on my car payments from Ally Financial. The request for 90 days started XXXX and was to end in XXXX. My payment due date for the month was typically on the XXXX of every month but at some point All Financial changed it to the XXXX. This change of date made me 30 days late on a payment which when I noticed I paid immediately. They reported the late payment for XXXX. After contacting Ally they stated they would send in a good faith request to remove the late payment, instead every month they just pushed the late payment to the current month. They did this all the way until XXXX making it seem as if I have been late within the last 30 days. This has resulted in a denial for refinancing on my hone which is causing a hardship. Ive contacted the bureau several times to correct the late payment info. Finally in attempt to resolve this, Ally promised if I paid my account in full they would delete the account from my credit history. I did that immediately even accepting a higher interest rate from another bank just to get this removed and they have not kept their word. I paid in full in XXXX and after the most recent dispute it is still being reported incorrectly that I made a late payment in XXXX which again is causing me to be denied an opportunity to lower my mortgage. Ive reached out to the bureaus several times and it seems Ally Financial is reporting incorrect info. I feel that I have been misled to pay the car off so I can stop calling about them correcting my credit report. I have never been late on any payment with Ally and due to a payment due change they initiate I made my first late payment unknowingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On XX/XX/XXXX i emailed customer care after speaking with the below mentioned representatives. Here is what occurred : I did a pay-by-phone for {$3900.00} to be applied to Escrow in XXXX. It was not applied per the bill dated XX/XX/XXXX. I contacted customer service, spoke with XXXX on XX/XX/XXXX @ XXXX MST. Her ID number is XXXX. XXXX was going to apply the amount to Escrow and call me back, XXXX never called me back nor did she make any changes to the account. On XX/XX/18 XXXX, ID # XXXX called and advised my mortgage payment was late and fees were applied. I told XXXX about my previous conversation with XXXX and the payment over the phone. He issued a ticket to apply the funds to Escrow since XXXX did not. 

I requested an email or letter confirming the matter has been handled and that Freedom Mortgage reversed any fees and they DID NOT issue a late-payment notification to the credit reporting agencies given all of this was by no fault of my own, XXXX confirmed this on a recorded line. I also advised XXXX that I need a follow-up phone call to speak with someone regarding the matter once it has been handled, either later today or tomorrow. I did not receive a letter confirming the events and the matter was closed. 

XXXX did not get the account issues resolved and it appears nothing was done. Because then I received another call from a different rep, his name was XXXX, ID # XXXX on XX/XX/XXXX at XXXX MST. We reviewed the account and its history, he apologized for the repeated mistakes. I issued a escrow payment that day to Freedom Mortgage in the amount of {$3900.00}. XXXX said he would call me Monday morning, XX/XX/XXXX with an update and that he would escalate the account to a manager as well. XXXX never followed up and I received letters from Freedom Mortgage stating my account was past due and that was reported to the credit agencies. 

Then XXXX ID # XXXX called me on XX/XX/2018 at XXXX to tell me my mortgage payment is going to increase. We reviewed the account history and discussed the issues. Resolution is still pending and Freedom Mortgage acknowledged receipt of my written complaint received via email on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX and Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions