23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hello good evening I was just following a complaint against Trans Union credit bureau in a couple months or a month I have credit monitoring so monitors my credit I received a Trans Union alert saying a delete it XXXXinquiries or XXXXinquiries from my credit report and they were reinserted back into my credit report the next day this impact in my credit report.I call customer service on Trans Union and told and explain to them i was a victim of the inquiries.I have alerts saying that they were removed from Trans Union, customer service did not want to do anything about it so I 'm complaining with the consumer financial protection bureau. under section 611 anything that is removed from your credit report can not be reinserted back and transunion is to give you five days notice that is going to be back in your report they did not do that the violated the law and I explain that to the customer service and they did not care to do anything about it.
Product: Checking or savings account

My online account with Chime bank had unauthorized access. Someone was able to login to my online bank account, without my permission and transfer the money in the account to an unknown email address. 
I was not asked for permission through a text message or a phone call. I was sent emails after the transfer already had taken place. I contacted the bank and raised a complaint but the bank just closed the request in XXXX day. 

Unauthorized Transaction - transfer of {$200.00} from my account on XXXX, XXXX PST. I contacted the bank at around XXXX PST and logged the complaint. I was provided a complaint number. I got an email around XXXX on XXXX that the complaint was just closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Experian, XXXX XXXX XXXX have violated my rights. They arent doing their job according to the law. Which is keeping me from getting a new apartment.
Product: Mortgage

Thursday, XX/XX/XXXX Re : Planet Home Lending , LLC Falsely reporting to Credit Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear Sirs : Planet Home Lending , LLC has again falsely reported to the credit agencies that we have not made our mortgage payments. 
You will find three ( 3 ) attachments containing the following information to substantiate another complaint against Planet Home Lending , LLC : 1. A copy of my XXXX report showing Planet Home Lending , LLC lying once again 2. A copy of Planet Home Lending, LLCs response to CFPB # XXXX ; the table in the response shows that our payment was made and credited to our loan 3. A copy of our bank statement showing the payment to Planet Home Lending , LLC Planet Home Lending , LLC lies and cheats. 
They misappropriate our loan payments and state that we have NOT made a payment. They change the mortgage payment amount indiscriminately, without notice and without reason. 
Currently, as reported to the credit agencies effective XX/XX/XXXX, they are stating that our loan amount is greater than the original loan agreement amount ; ridiculous after paying on the loan since XXXX! 
When will CFPB finally punish Planet Home Lending , LLC? You are the mortgage companies governing body and have responsibilities to the public. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

Ongoing phone calls to forgive student loan. Bogus phone number used and bogus customer service reps. Claim to be student loan center in XXXX XXXX California. Repeatedly call for information. Use one phone number on caller ID and then leave another number to call. Numbers to avoid XXXX and XXXX.
Product: Checking or savings account

In XXXX and XXXX, XXXX XXXX and XXXXXXXX XXXX took XXXX out of my account that's almost {$100.00} all together, I had my car cancel a year ago or almost a year in XXXX last XXXX with time over this I told them that these were fraudulent charges and to stop them from XXXX to taking it out we had a new card activated and everything they are still somehow got access to my cart information which time will not tell me or try to figure out how these are fraudulent charges I've made this very clear last XXXX when I had my whole card cancel over this they are still refusing to fix it and have took the money back out of my account this is illegal
Product: Bank account or service

Someone else 's {$330000.00} investment account is attached to my account @ Chase Bank. They remove it, but it pops back up onto my account the next month.
Product: Debt collection

I just learned that I have an account in collections with this company. I do not have an account number or any other identifying information since I have not received any contact from this company. They are collecting on behalf of XXXX XXXX XXXX, an apartment complex that I no longer reside at. My family left XXXX XXXX on bad terms and they charged us for a number of items which we disputed but to no avail. In the end we sent a check to the company and we heard nothing further so we assumed there was no further action needed. We have n't received any dunning notice, verification of debt, notice to dispute from Ideal Collections Services therefore we were n't able to dispute the debt or even request verification. When I contacted the company I was told that because I do n't have an account number they would not be able to look into it but that they would " continue to pursue me '' for the debt and " most likely '' we will be sued. Threats and other improper communication tactics being used are violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, please block and remover per 15 USC 1681c-2.
Product: Checking or savings account

On XX/XX/2023 I initiated an external transfer to withdraw funds in the amount of {$1100.00} from my Chase Checking account and deposit into my XXXX Checking account, using XXXX Online Banking. 

On XX/XX/2023, the withdraw was posted to the Chase account and the funds were gone. 

On XX/XX/2023, the remainder of the funds were withdrawn from Chase and my accounts were closed ( no issues with these funds ). 

On XX/XX/2023, XXXX rejected the deposit as the checking account was on hold pending identification verification. 

On XX/XX/2023, XXXX, XXXXXXXX XXXX 's external transfer third party sent the funds back to Chase Bank. Chase confirms these funds tried to return to Chase on XX/XX/2023, but were automatically rejected due to the account being closed. 

It is Chase 's stance that the funds on XX/XX/2023 were then returned to XXXX Bank. 

XXXX XXXX has never received the funds and both banks have conducted investigations, both ultimately saying the other bank is responsible. 

It is XXXXXXXX XXXX XXXXs stance that the funds on XX/XX/2023, were not sent back to XXXX, but instead sent to XXXX, and it is Chase 's responsibility to recall the funds from XXXX. 

XXXXXXXX XXXX has contacted XXXX and confirmed all of this information, but Chase Bank has not. Chase Bank says they have exhausted all options and XXXX needs to fix the situation. 

The representative I am working with at XXXXXXXX XXXX  and I have requested to be assigned a specific case manager at Chase with whom XXXXXXXX XXXX can communicate with directly rather than having to go through general customer service lines, similar to what XXXX XXXX  has done to handle this situation. But, Chase Bank will not assign a specific point of contact to work with to help get this resolved. 

There have been multiple interactions with customer service and bankers at a local branch in XXXX, Colorado, up to today, XX/XX/2023 and there is no resolution at this point in time.
Product: Credit card or prepaid card

My XXXX XXXX XXXX XXXX XXXX Credit Card has been hacked dozens of times since the major data breech. The card has been replaced several times with an enormous amount of time on the phone with them contesting fraudulent charges and an erroneously late charge. 

I've cancelled the account in desperation, even though I'd prefer to remain a XXXX XXXX XXXX member. Enough is enough. The late fee is {$27.00} and they refused today XX/XX/21 to remove it from my bill.
Product: Credit card

Sears mastercard credit card services provided balance transfers at 0 % until XX/XX/XXXX, they only had one place on info that stated they are charging a fee vs interest on paperwork. This was misleading, so in fact they are getting there interest up front. There topic in bold larger letters states, YOU COULD SAVE ON INTEREST BY TRANSFERRING HIGH BALANCES. 
Checks should state that you agree to rates provided. I have used there checks before without this fee provision. 
Please advise
Product: Vehicle loan or lease

American Credit Acceptance has been charging me {$2.00} a day interest rate. Because I faced hardship three years ago, I asked for a deferment. The arrears were put on the back of the loan. I signed the agreement electronically and was told that once I was caught up, I would be back on track. I was late twice in XXXX. Thirty days over due. American Credit Acceptance worked with, got me current and I have not been late since. The institution said that loan was to paid off in XXXX of XXXX, but because the loan was not paid off in XXXX of XXXX, the life of the loan was extended to the end of XXXX of XXXX. Because I check my credit everyday, I saw an impact on my credit report. It was American Credit Acceptance. I called and complained to American Credit Acceptance. They told me that because I did not do a modified loan request, it went against my credit. I exclaimed to the institution that had requested that they send me a modification when it was due in XXXX of this year. I discovered that it is on the way. American Credit Acceptance purposely dragged it out so they could extend the life of the loan two more months. I pay {$430.00} for nine more months which comes to, {$3900.00}. This institution has illegally milked me for thousands of dollars. What's more, they extended the loan again to XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I submitted a dispute to XXXX about the creditor, the credit was dismissed by the original creditor as not being mine.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX Balance Owed : {$95.00} XXXX XXXX Balance Owed : {$660.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$570.00} XXXX XXXX XXXX   {$0.00}
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( on time ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX : Account number : XXXX, My identity was stolen. Block this account.

XXXX  ( Original XXXX XXXX XXXX ) : Account number : XXXX, My identity was stolen. Block this account. 
XXXX XXXX XXXX : Account number : N/A, My identity was stolen. Block this account. 
XXXX XXXX XXXX : Account number : N/A, My identity was stolen. Block this account.
Product: Mortgage

My mortgage is supposed to be {$690.00} per month but I was having to pay over {$1200.00} per month due to Shellpoint Mortgage placing a lender-placed policy due to me not having insurance. In XXXX, 2023, I obtained my own homeowner 's insurance and emailed the proof of insurance to Shellpoint. However, Shellpoint did not acknowledge receipt and charged me over {$1200.00} for my XXXX, 2023 mortgage payment. I contacted Shellpoint 's insurance department that same day in XXXX, 2023. The person was very helpful. He told me to email my proof of insurance to him and he would take care of it and ensure I was credited for still being charged for lender placed insurance ; his help did not help me. I continued to be charged over {$1200.00} per month for my mortgage payment and Shellpoint never acknowledged my homeowners insurance. Approximately 2 months ago, I submitted my homeowners insurance documents to Shellpoint again and I was ignored. for the past 3-4 months, my mortgage payment has now

gone up to over {$1300.00} per month. Shellpoint knows that I have homeowners insurance, I know this because, when I had their lender-placed insurance, every month they would send me a letter telling me to get my own homeowners insurance. Shellpoint did that with me for years and years but stopped sending those after XXXX, 2023 when I got my own homeowners insurance. It makes me feel so hurt and taken advantage of by Shellpoint. I want a refund of the additional money they charged me for my mortgage over {$690.00} from XXXX, 2023- Current.
Product: Mortgage

I have received advertising from the " XXXX XXXX XXXX '' general fraternity organization and " Rocket Mortgage '' that appears to be a RESPA violation. They are offering Cash back to mortgage applicants for referring them to Rocket Mortgage. I believe this is a clear violation of RESPA kickback regulations and this email has likely been distributed to thousands of members of the fraternity. Both Rocket Mortgage And the XXXX XXXX XXXX  general fraternity organization should be penalized for participating in RESPA violations.
Product: Credit card or prepaid card

On XX/XX/2021 a dispute was started with XXXX XXXX through Chase Credit Card Services over a cancelled flight for ~ {$650.00}. On XX/XX/2021, a voucher was issued by XXXX XXXX to the customer so the dispute was cancelled with Chase the next day. 

On XX/XX/XXXX, the customer tried to use the voucher only to find out it had been cancelled. Customer service said on XX/XX/XXXX, that a refund had been issued on XX/XX/XXXX so the voucher is no longer valid. 

After calling Chase, the company said I needed to reopen a dispute and send evidence as there was no issue sent from XXXX XXXX. On XX/XX/XXXX, a dispute letter was faxed to Chase XXXX XXXX from a local Chase Bank with the email from XXXX XXXX customer service stating the refund had been issued. 

On XX/XX/XXXX, a letter was received from Chase by the customer stating the charge was correct, no refund was to be given and the dispute was closed. 

This complaint is regarding the fact XXXX XXXX stated a refund was granted, but Chase will not grant the refund or hold XXXX XXXX to their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian a numerous times to dispute one item on my credit report since it is incorrectly reporting on my credit report. The company ignores to do proper investigation for the disputed item ( s ) and do not contact the credit furnisher or lender to update reported information. The other two credit bureaus report the information on this credit item correctly. The investigation normally takes up to 30 days to complete. They complete in one week or less and notify me about the results their investigation. The disputed item shows incorrect account balance and missing account history or payment history. The account shows no data update since XX/XX/XXXX until XX/XX/XXXX. They made remark on my credit report that : this item was updated from our processing of your dispute in XX/XX/XXXX. Nothing has been updated or changed. I have a difficult time to reach their customer service representative to speak since their automated telephone system is not user friendly and does not transfer calls to live agent. Even if you reach the customer service, they are helpless and do not transfer calls to supervisor. I have a negative experience with resolving disputes and updating credit report with the correct information. The more details I provided in the attachment from my credit report. 
The company violates Fair Credit Reporting Act by ignoring consumer rights and updating their credit reports with the correct information.
Product: Debt collection

I received a notice in the mail today XX/XX/2021, dated XX/XX/2021, regarding a discounted payment offer of a debt I am unaware that I owe.
Product: Credit reporting

I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XX/XX/XXXX had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XX/XX/XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charged off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
Product: Credit card

I got a loan of about {$3000.00} from Synchrony Home. The store, which is now closed, told us that the loan would be for five years, and I trusted the store and signed the paperwork. Synchrony puts the minimum payment in the account instead of dividing the loan amount into 12 months. Synchrony, in fact, put the minimum payment amounts, which I assumed it would be paid in five years. Even when I referred to terms and conditions, there was no mandatory minimum payment dues at all. THE ONLY CONDITION IS TO PAY IN FULL IN ONE YEAR. Which I had to do, which was more deceptive. When I realized money had been charged to my account, I contacted Synchrony, and they simply denied any wrongdoing and refused to refund the interest charged to my account. In addition, they did not communicate the matter online or by mail to remind me of my late payments. They simply keep you in the dark with the wrong information to charge you 35 % interest, fines, and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$54.00} XXXX XXXX XXXX : XXXX -- -> : {$260.00}
Product: Credit reporting or other personal consumer reports

The payment information on current, late and charge off information is very incorrect. I am entitled to accurate information being reflected from my credit report. I request this account be deleted
Product: Credit card or prepaid card

Capital one tells me they closed my account due to payment was returned to my financial institution. However I never made the payment that they are claiming I made nor don't know where it came from and whose name is on that account in order to fine that person and not me. I enclosed paperwork but capital one can't explain whom made payment not I did not authorize it.