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

Awaiting a resolution for fraud activity on my account since XX/XX/year>. Multiple fraud transactions took place, I created a dispute claim for fraud. A agent created the case with information that shouldnt have been applied. The dispute team proceed to deny the claim. I had been appealing, and attempting to create new disputes prior to this fraud activity, and the dispute team customer support is very incompetent and it is ridiculous how bad it is. {$750.00} has been stolen from my account which I have not been able to obtain. This company is an app called Current I even attached a police report and other info. Their contact info ( XXXX, XXXX ).
Product: Mortgage

I purchased my home in XXXX XXXX, financed it through Ditech and opted for tax and homeowners insurance escrows. In XXXX XXXX, I received a delinquent tax bill from my county for school and county taxes. When I called Ditech, looking at my online account, which registered approximately {$5000.00} in escrows and only had an " earthquake insurance '' ( I live in PA, and do not have earthquake insurance ) payout scheduled for less than {$500.00}. The customer service agent told me I do n't have tax escrows on my account, when clearly I should have tax escrows set up, and the " earthquake '' insurance was coded incorrectly. It has been over a week since I alerted Ditech to the issue, forwarded a copy of my tax bills, and a copy of my Closing Disclosure reflecting that tax escrows should have been set up and tax escrows were collected at closing. My taxes have still not been paid. This is completely unacceptable and if I end up with a tax lien on my house, I am not sure what I will do. I 'm not sure why Ditech can not cut me a check of MY money sitting in my escrow account so I can pay the tax bill myself. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year I have to dispute personal information with transunion and this concerns me especially when I provide identification to validate errors. They have added these names to my report : XXXX XXXX XXXX and XXXX XXXX. I have never had these names. I provided my social security card and drivers license to validate this three years ago but every year I'm disputing new names. Also, how are they applying new names to my file when I don't apply for credit unless I remove the freeze temporarily? Why am I fighting this error every year with wrong names displaying?
Product: Credit card or prepaid card

On XX/XX/XXXX of 2017, I rented a car from a car rental agency at XXXX, XXXX airport. I used my Chase Bank debit card for the transaction. During the rental, the car had a mechanical problem. I was driving the car in the mountains and the car stalled going up a hill. A tow truck was called and it needed to be towed. The repair shop told the car rental company there was NO problem, and I should just come and pick it up. I refused to come and get it for fear of the problem happening again since they didn't do anything with the car. So, the car rental company charged me because they had to pick up the car in XXXX, XXXX and drive it back to XXXX. As a side note, during these days they did not provide me with another car. 
On XX/XX/XXXX of 2017 is when the transaction happened. The amount was {$770.00}. Chase Bank refused to charge back the transaction to the car rental company saying they were provided with documentation validating the transaction. The transaction had NO signature, NO card imprint and the date of the transaction took place when I was NO longer in XXXX. The transaction is fraud with NO documentation from the car rental company.
Product: Debt collection

XXXX continue to put that I owe them on my credit report. I have told them over and over it is not me. They removed it from my credit and then sold the account to XXXX that put the item on my credit and XXXX added it back also. Now both of the items are on my credit and they are not mine. This has been since XX/XX/2013 in Alabama and I moved to Georgia XX/XX/2013. This is not my account and they will not remove it.
Product: Mortgage

I made a complaint last year in XXXX. Loan number ( XXXX ) against mutual of Omaha. I withdrew the complaint because the Lender said that he would get the loan approved even though it was not at the time. After withdrawing the complaint, I never heard back from Mutual of Omaha! I was told by them that I would be able to skip 2 payments! that was not true! I was told they would guarantee I get approved that was not true. so, I have enclosed all email interactions with this company for proof of deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has lied about results on a dispute. I had no late payments and XXXX has had no communication XXXX. XXXX also denies my account is closed which was information also submitted by XXXX. XXXX gave me acces to documents demonstrating they made an error in reporting late payments
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document 74, XX/XX/XXXX, XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am DEMANDING an alleged account ending in XXXX be canceled and closed immediately. The above account was created in error originating from an XXXX XXXX, XXXX. Any possibility of seeking financing was never desired, never offered, nor discussed. Per FCRA 623, you may NOT willingly report on my consumer credit profile ANY information you know to be false. My financial status is self-evident in that I have never needed financing for merely a {$3600.00} carpet installation. At this time the {$3600.00} has already been paid in full directly to XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been trying to get Chase Credit Card to fix the amount they just threw in cash advance, when I never had a cash advance sine XXXX of XXXX. They also juggle the amounts back and forth in that area and I believe it must be so they can charge higher interest. I have all my statements, and did an audit and not only are the amounts ridiculous, I notice they did this also in XXXX. The XXXX started out with an amount of XXXX, and is now XXXX? I have photographed a few statements that shows the amounts bouncing back and forth. One month XXXX the next XXXX, the next XXXX and so on. There has got to be a law against this. I am wondering how many customers they are doing this to.. Do I have to start a class action to get this remedied? I see where they have been sued for everything but this, and it seems it started just about the time they were caught on other descrepencies. Please advise. I also just received a notice that since my interest was low, they are raising it 5 %. Are these guys loan sharks in sheeps clothing?
Product: Debt collection

I have a collection with this company that dates from XXXX, from a broken lease with the apartment complex. Upon moving from this complex, I did not receive a move out statement. Regardless, this went into collections with IQ international Data. I have called a couple of times to discuss this debt, however, each time I have been told that I am being charged interest on the debt. On XX/XX/XXXX, I spoke with an agent who explained to me that I am being charge a 6 % fee per annum. She read out the move out statement. I asked for this to be sent to me. I also questioned the interest being charged as I have never heard of something like this, and it just did not " seem right '' when I did not sign anything which made me aware of this interest, nor is this anything normal in tenant practice and was not within the lease agreement. The agent informed me that she was not sure as she is not from Texas. I understood, but asked to be sent some sort of proof of contract stating that I was aware of the interest being charged. She stated she does not have any contract stating such. I informed the agent I would have to contact someone regarding this issue as I never signed a contract agreeing to such things. I believe that the interest being charged is a violation of Texas Finance Code 392.303. which states that a debt collector may not use unfair or unconscionable means that employ collecting or attempting to collect interest or a charge, fee or expense incidental to the obligation unless the interest or incidental charge, fee or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. The company is unable to produce a signed contract which would prove that was made aware of such interest being charged to any balance owed to the original debtor if the term of the contract was not honored. Since they are not able to produce such proof, I am inclined to question where they are gathering that they have the legal right to charge such interest on a debt that is owed and has been placed into collections. In addition, I question if they have the legal right to charge on this debt until the amount is paid. This debt was not given as a " credit '' nor was I made aware upon contract signature of any interest being owed under the tenant contract. I am inclined to believe that the company is illegally charging interest without cause or justification and are reporting it on my credit monthly in order to coax me into paying for the debt. The amount being owed on my credit is not the original charge off amount.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts are XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Bank account or service

We have a account at Valley National bank in new jersey, we are in retire community in XXXX nj, the branch that we got our account is there n close to us the complaint is every time we deposit or transfer money from our savings to cover some bills that i see is missing the money to cover those bills including pennies they charge us $ XXXX.every time including XXXX in same day for another bill not even when i trasnfer the money early in the morning before banking hours they still charging us {$35.00} for late fees we got other banking institutions n they never charge us when we put the money to cover bills on the same XXXX hours this bank is reapping seniors of their savings like crazy i just got charge XXXX {$35.00} for XXXX bills that i put money before they open for bank hours. please stop this institution from taking money from seniors!
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Today, XX/XX/XXXX at XXXX I entered the Chase Bank ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) for assistance with my dad 's checking account. My dad died in early XXXX and we ( my sister and I ) have been trying for XXXXXXXX XXXX to close this account. When I entered the bank I was immediately assisted by a banker who told me they had all the documents necessary to close the account ( e.j. death certificate and Letter of Administration from the court ). She stated there will be a hold on the account and it would take up to 45 minutes for it to be lifted. After 30 minutes of waiting she came back and stated she submitted my documents and per the bank manager, I will need to wait up to 4 business days for the paperwork to enter their system so they can finally close the account and cut me a check. I got frustrated and started to get upset and she said she can elevate the issue. After 10 minutes, a lady by the name of " XXXX '' came in and I explained to her that XXXX XXXX was much more helpful in this situation and that every banker that we spoke to since XXXX at Chase has been giving us the wrong information as far as closing this account. First they said wait 30 days, then another bank said no you have to wait 40 days, another bank said we need a letter from the court. Finally, I went in today and they repeatedly lied to me. I told " XXXX '' I wanted to speak to the manager, she said they don't have one today. Mind you I live in XXXX and drove XXXXXXXX XXXX to get to a Chase branch to complete my court appointed tasks on behalf of my dad 's estate. Additionally, a white male came in with his son and were greeted by a banker and offered beverages such as coffee and tea. I was never treated with this type of respect and dignity. Furthermore, I feel like I was subjected to different terms and denied service by this branch as I do not fit their clientele as I am XXXX. I started crying and XXXX '' stated she can not help me and left the office.
Product: Debt collection

Hello My name Is XXXX XXXX XXXX, I am getting a bit frustrated with how I am being handled, For months I have been hounded and harassed and threatened on multiple occasions by XXXX. I let them know as well as Equifax, XXXX and XXXX but nothing was done about this situation, I know nothing of this debt but yet it still remains on my consumer report and I am still being harassed, This matter is enabling me from feeding my children as well as to move forward with my endeavors in business. If this continues to go on I will get my Lawyer Involved. I will need a response from you all within 15 days, If I do not here back I will not only contact my lawyer, In essence I will contact the XXXX, Attorney General and the Ftc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting inaccurate lat payments on my student loan account. I have called and talked to them several times to try and rectify this situation to no avail. These late payments are affecting my credit score. They are also reporting inconsistent information to the three credit bureaus. I need the late payments removed and the inconsistencies updated.
Product: Debt collection

Reference CFPB case Number : XXXX and XXXX Ally Bank was notified and received my correspondence requesting validation of a illegitimate debt they hold in my name on XX/XX/2021, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. They never sent me anything proving that I had any contractual obligation with them for any debt. They never provided a signed agreement between them and I proving that they have are the holder in due course or that we have any contractual agreement together. 
I never nor did XXXX XXXX receive any Loan from Ally Bank. All that was provided to me was a Retail Installment Contract showing a credit sale between myself, XXXX XXXX and XXXX XXXX XXXX I am the holder of the title of my vehicle with no security leins or judgments.
Product: Debt collection

Portfolio Recovery uses a random number generator to disguise where they are calling from. They also pretend to have the wrong number and they are just checking. They continually harrass me by phone and they continually do inquiries in my credit with all three credit reporting agencies. They never tell me why they are calling. I have never done business with them or owe them anything. They need to stop.
They also shared my phone number with Spammers and now my phone won't stop ringing.

XX/XX/XXXX

As you can see, Portfolio Recovery has stepped up their harrassment ny callingme two or three times a day beginning in XXXX. Sometimes FOUR times a day. They need to stop calling me for something I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights act. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open end consumer credit plan as late for any purpose
Product: Debt collection

I have attempted as indicated by CFPB complaint ID XXXX to inform Convergent that this debt is invalid and possibly fraudulent. The company has yet to provide me with an accurate accounting of the debt. And in speaking with them approximately three weeks ago, I wanted to get rid of this issue so I called to research the debt yet again and discuss settlement options. During the call however, the agent asked if he could stop the recording which I found extremely suspicious. He then began to ask if I had returned all of our phones, to which I replied yes. I used the shipping information and packaging I was sent from XXXX. Then I asked, " is that what this debt is related to? ". Then he began to try and distract me from that issue, and I pressed him to give me the real reason for the debt again with the recording on and he would not so I ended the call.
Product: Vehicle loan or lease

I paid off my loan for my XXXX XXXX XXXX on XX/XX/XXXX. After which I received a letter dated XX/XX/XXXX, and the original title lien statement and a new title lien statement with the termination box marked, however, the original file number and the original file date was not filled out which is required by the state of Kentucky to obtain a new title. I immediately called TD Auto Finance and requested a lien statement filled out correctly for the state of Kentucky. I have called several times since XX/XX/XXXX, and I have sent an email requesting the corrected form. They have claimed to have mailed it, but if they have I have not received it. Now, almost two months have passed. I do not understand why they would not fill out all available information, if it is available. I was told during the first phone call that some states require this information and some do not.
Product: Debt collection

Company attempting to collect a debt I was never made aware of. I could have easily worked this out with the apartment complex. Obviously a simple accounting issue. My rent was covered under the cares act during XXXX. I adhered to the terms of that agreement. Moved out of the apartment at the end of the agreement. Did not know there was collections after me until years later when it showed on my credit report. Company said I have to prove I dont owe the debt and company has provided NOTHING to me. I have spoken with XXXX several times. He said the burden is on me to prove myself, not on them to prove I owe the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had placed a credit freeze with Equifax in XX/XX/2017. I wanted to remove this freeze temporarily to apply for a car loan. Their website and phone service both refused to identify me. When I finally talked to an agent, they wanted me to MAIL in multiple documents - drivers license copy and SSN card copy. By this time, it would be too late to purchase the car I wanted to buy. Equifax could give me no reason for this other than 'it is their policy '.