23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/ I got an chime text alert asking if I was trying to make a purchase through someone in XXXX XXXX, and I answered " NO '', the chime reply said no money was taken out my account and the person was blocked. I checked my card, money did come out my account for XXXX, XXXX ( x3 ), and XXXX, so I called chime support, the agent looked over the charges and I stayed on the phone while he worked on reversing each transaction putting money back on my card. At the end of the call the agent said the merchant was blocked and won't be able to access the card again. The very next day the same transactions came through on my card taking money out my account, I call chime again on XXXX XXXX this time they tell me that I have to file a dispute and they confirmed that my card had a block for this merchant from the previous day already so this should not of happen. I do the dispute with agent over phone, they say it could take up to 90 days, they email me the same information, but later on in the day denied my dispute. I tried to make a purchase this morning on XXXX XXXX  it's declined, I look at my account and it shows that Chime disabled my card and requested another one without my request and without informing me. My original card was linked to my instant payouts for my jobs, and where my main money goes, so now I have to miss a few jobs because I don't physically have a card to transfer to and get the money. I call chime again on this date, they say there's nothing they can do and that for a fee I can send cash to XXXX to pickup. Not only did they deny my dispute that previously reversed the unauthorized transactions the previous day on, but they allowed them to happen again, inconvenienced me even though my card is not supposed to allow international transactions, closed my card, they want me to pay fees to get my money , drive across town, and wait until XXXX XXXX to receive another card. They failed to refund unauthorized charges, placed blocks or holds that prevented nothing, hidden fees, account errors, and take it upon themselves to process requests without the consumers knowledge leading to them having to miss work.
Product: Mortgage

Hi, my concern is my refinance mortgage in XX/XX/XXXX. My old conventional loan was with UWM, and my new refinanced conventional loan is with UWM. I used the same loan officer, and broker both times. My refi closed, funded, and disbursed on XX/XX/XXXX with a payoff for my old UWM loan good through XX/XX/XXXX. On XX/XX/XXXX UWM notified my escrow officer that we were XXXX dollars short on the payoff. That would be impossible, the payoff was good through XX/XX/XXXX. She sent another wire with that extra included. Then on XX/XX/XXXX UWM again sent another request stating that the payoff was short XXXX dollars. So the new payoff was good through XX/XX/XXXX and covered interest for the month of XXXX that I already paid with the funding of my new loan. So, reluctantly, I wired the shortage to title, and they sent the new wire out. So, in the end, I have double paid interest on an error with UWM 's servicing department. That is highly unethical, and illegal. I understand their servicing department has no idea what they are doing, however I want my money back, and money for the headache and hassle.
Product: Payday loan, title loan, or personal loan

This loan was opened XX/XX/2021 for {$5700.00}. I missed a payment by a day and then this company turned into spam calling company. Calling me late at night after XXXX and on the weekends. The calls got so bad I couldnt even conduct job interviews. I informed the company not to call me because their auto-dialer system seems to call me at all times of the day. I was told it would be removed. But the calls persist. Now I was served with papers setting that Mariner Finance is suing me for one missed payment. 
The Claim states on the court doc " The account opened on XX/XX/2021. The account is due XX/XX/2021. I will never do business with this company again. The company never tried to make any arrangements after the missed payment.
Product: Credit reporting, credit repair services, 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 acct. XXXX Account name # XXXX XXXX acct. XXXX XXXX # XXXX acct. XXXX 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 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: Mortgage

I n   XXXX   XXXX   XXXX   I purc hased a home. Several months later my loan was transferred to  XXXX   XXXX . During the 2 years  XXXX  has miss applied payments or not properly applied pays. Instead they held money that was intended to be additional principle payments. I called on several occasions and in the end I 've been prevented from making any additional payments beyond my monthly payment.     Now my loan had been transferred to  Freedom Mor tgage. I called to get a loan number. They where not able to provide such. I asked who or what they where. I was told they where not a bank but a mortgage company. I asked who help my loan and I was refused the information. I asked what service did the provide and again no answers given. If as the home owner and I 'm unable to get simple answers how can I trust them to "  Service ''   my loan? Additionally I asked what service they provide, the answer was we service your loan. Ok great what does that mean? Again no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was looking to open a business credit card account. I went to the XXXX website and applied for a XXXX XXXX XXXX Credit Card. I entered the business information and Tax ID number and I was also asked to enter my social security number. Below where I was to enter my social security number appears a note that it will only be used to identify me and it will not be a hard inquiry on my credit report. After I finished my application, I was immediately approved since I have an excellent credit score. However, I also got an alert from credit monitoring service that I had a hard inquiry from XXXX on my personal credit report. I called XXXX and they said it is a normal process to get a credit report from my business credit as well as my personal credit. I told the representative about the note on the website and he said he would report it to someone at XXXX and they would try to change that. I was so upset I closed my business credit card account with XXXX on that phone call. Now there is no way to remove that hard inquiry from my credit report and I am asking that XXXX enter some note or something in my report indicating that this was in error and the inquiry was for business credit, not personal credit since this lowers my score a few points. Also, I am going to refinance a mortgage on my condominium and it will look like I have some other hidden credit account that they may want information on and that would delay any refinancing I am applying for. 

I appreciate your attention to this matter. Thank you.
Product: Credit reporting or other personal consumer reports

Hi, Trans Union is constantly violating my rights & continues to report false info on my credit report that is against the law. VIOLATION of my rights. XXXX XXXX XXXX Section XXXX A States I have a right to privacy. Also U.S.CC XXXX A XXXX XXXX a consumer agency can not furnish an account/inquiry without my written instructions. I have no protection with Trans Union, I continue to be a victim of ID theft. I did all the necessary steps to show these are fraud inquires. & the companies never verified they pulled my credit report, the companies never got back to trans union nor me. & had 30 days & therefore these fraud inquires should be removed ASAP. I sent trans union a letter, with my ID & Social S. & FTC XXXX & they still ignore & say the inquires are validated, when they are not. These fraud inquires are hurting my credit & stopping me from getting the best rates when I buy a home in the near future. I also filed a complaint with the XXXX  against Trans union. I appreciate Trans Union honoring my requests of immediately removing these XXXX fraud inquires : BANK XXXX XXXX ( Bank ) XX/XX/year> XXXXXXXX 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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts are as follows XXXX XXXX XXXX Acct no. XXXX XXXX, XXXX XXXX XXXX Acct no. 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

When I tried to acquire a home loan in 2018 I was denied due to multiple findings from a company called XXXX who I had never heard of. When I contacted them I was informed that XXXX XXXX had sold my student loan to them without my knowledge. I asked XXXX for proof and was given a billing statement but nothing more. When I mailed them a Validation letter of this debt they continued to mail me a billing statement. I contacted the XXXX XXXX XXXX in XXXX of 2018 and was informed that my loan was with XXXX  and not XXXX. I set up a payment arrangement with the government collection and disputed all of XXXX charge offs since they had no proof of my loans to provide me. Each credit bureaus continue to say this was verified but nothing was ever produced from XXXX or the three agencies.
Product: Credit reporting or other personal consumer reports

Requested original documents that was not provided and the contact information of the company my information way given too. There was no response or cooperation to get this matter resolved
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of in accurate or unavailable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute 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 result 's of the investigation, and ( I ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity being reported to the credit bureaus. I asked that the items be deleted immediately as I am a victim of identity theft. I am also requesting that you stop reporting fraudulent information as I have reported the theft of my identity to the Federal Trade Commission. Please delete the fraudulent information off my report as it is reflecting poor credit history.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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: Vehicle loan or lease

on XX/XX/2021 a payment was sent to kia motor finance check was cashed on XX/XX/2021 on XX/XX/2021 i recived a call from kia that i did not make a payment i checked my checking account and saw it was cashed on XX/XX/2021 i gave them a payment over the phone in hope that it could be found after talking to XXXX  at the end of XXXX she said she found the missing money and it would be credit to my account in 5 to 7 days never happened called back beginning of XX/XX/2021 talked to XXXX again was told that the money was there would be applied to my account in 5to 7 days and was told not to make anther payment untill this was resolved. on XX/XX/2021 i recived a call from kia stating i was past due and needed to make a payment at once. after trying to explain i was transferred to XXXX XXXX who also said he found the missing payment and it would be credited in 5 to 7 days i cant get these people to fix this i only have 1 more payment due until lease end this has now been going on for 75 days and my account is showing past due please help
Product: Consumer Loan

We had set up a payment automatically through our Debit Card from XXXX with XXXX XXXX Hospital, and because our bank sent us a new Debit Card ( when XXXX and XXXX XXXX were hacked and all banks sent new cards to customers affected ), our payment did not go through with the Old/Cancelled debit card, but we did n't know it at the moment it happened. My husband went ahead and made the payment and brought the account current, but I received a 30 day past due mark of delinquency on my credit. I disputed this through XXXX, but I have not seen any updates and no responses from Progressive Management S Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
Phone # XXXX. They are the Collections agency for XXXX. 
I would like the 30 day mark deleted from my credit record, since it was an error, not a missed payment. 
thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX//2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother and was trying to purchase my first home to provide security for me and my child, & it wasn't until I started the application process only to realize all the fraudulent accounts on my credit report! Due to this, I've had to let go of what WAS my dream home for me and my child, now I'm stuck renting until you guys remove these fraudulent accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

This account according to the creditor was opened on XX/XX/year>. I do not know this account and never opened an account with XXXX XXXX XXXX XXXX XXXX. This account does not belong to me and this is fraud.
Product: Debt collection

Ive been disputing this from the time it was reported. Its a result of identity theft using my information. I didnt open this account or have knowledge who opened it but the original creditor bank acknowledged its not me who opened it thats why XXXX and XXXX removed it from my credit report long time ago. Only XXXX is saying this account is accurate every time I dispute it but do not provide information on how they conduct the investigation if they even did an investigation. Its not fair to be pursued by collection agency trying hard to collect money that I didnt owe them and keeping my credit score down even though Im paying the legal credits I owe by the thousands of dollars to credit card companies that I opened myself. I have no carried balances on all of my credit cards because I pay all of them on time and in full. 

Midland Funding has no right at all to keep collecting money from me in a XXXX manner calling me day and night.
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 ) credit bureaus 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, and XXXX & I am including it again., XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ;
Product: Credit card

I currently have a credit card with a company called Aspire and they raised the interest rate to XXXX  % which is unheard of. 
There has to be some kind of law against that
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TRANSUNION both have already " updated '' and " verified '' all the previous accounts that I have submitted in XXXX ( CFPB ) Complaint. I expressed my concerns about my rights to " fair '' and accurate reporting and they changed absolutely nothing and updated only remarks which have little nothing to do with specific details that hugely affect your account like : Date opened, current status, accurate balances on all XXXX bureaus or accurate account balance initially etc. 

It is a clear violation of my consumer Rights and my Fair Credit Act Reporting Rights to continue to report these accounts inaccurately. Please see attachment where I have uploaded XXXX bureaus and their inaccuracies.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw a account that I dont have or own and its reported late and a balance and I need to have that removed