23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was disheartened to discover unauthorized inquiries on my credit report this morning, and Im at a loss as to why theyre there. I checked my report as I routinely do, only to find unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Im urgently requesting that the documents Ive submitted be reviewed meticulously so that I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax 's 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 ( XXXX XXXX XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX : XXXX XXXX XXXX- {$2800.00}
Product: Mortgage

We filed a XXXX XXXX  Bankruptcy in XXXXboth the first and second mortgages included and discharged, leaving us with debt against liens. We reaffirmed the debt with our first mortgage. Based on the information provided by our attorney, we decided to not reaffirm the second mortgage with Specialized Loan Servicing. Based on the information we received, we believed that SLS would not foreclose. Rather they would write off the debt or sell to a company that buys past-due debt. 
On Monday, XXXX XXXX XXXX we learned that a sheriffs sale had been scheduled. 
A neighbor who is a realtor saw our address and realized we were just 2 doors down. She provided the information she had from the XXXXXXXX XXXX. 

I called SLS and learned that a certified letter was mailed in XX/XX/XXXX and before that one was mailed in XX/XX/XXXX. The one in XXXX XXXX  was the notification and we should have known at that time SLS would be moving forward with the foreclosure process. 

The loan is due for XXXX and a payment was made on XX/XX/XXXX. Per SLS, they never sent any notification before the letter in XXXX. And then the one from 6 months ago. Without notification, they moved forward with the foreclosure process. The foreclosure was filed with XXXX XXXX XXXX, MN, and the sale date was scheduled for XXXX 

Due to the lack of notification that SLS was moving forward with the foreclosure, we very limited in ways to resolve the issue. We are also working on a very skinny timeline and may not have solutions that can be provided to SLS prior to the sale.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Again, this bank continues to charge overdraft fees and extended over draft fees in light of the global crisis. We have no money! And the banks continue to profit off of our misfortune I was charged an overdraft fee AND an extended overdraft fee both for {$36.00}
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 Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Money transfer, virtual currency, or money service

I TOOK OT A MONEY ORDER WESTERN UNION IN SIDE THE XXXX ON XXXX XXXX STORE IN XXXX VA XX/XX/year> FOR XXXX DOLLARS TO MAKE PAYABLE TO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I CALLED TRUSTEE OFFICE THEY STATED THEY NEVER GOT IT SO I CONTACTED WESTERN UNION TOLD THEM IT WAS EITHE LOST OR STOLEN FOR 5 WEEKS I CHECKED SAME ANSWER WELL WE EXCULATED TO THE TOP IT IS IN PROCESS THEN I ASKED COULD I GO TO XXXX TO GET A RFUND NO ANSWER I HAVE GIVE NUMEROUS DEADLINES STILL NOTHING IM XXXX XXXX  IT IS LIKE THERE TRYING TO STALL TO GIVE MY REFUND I TOLD THEM IF I DID NOT HEAR ANYTHING BY LAST FRIDAY I WAS GOING TO CONTACT CONSUMER PROTECTION ATTORNEY GENERAL AND THE XXXX I GUESS THEY THOUGHT I WAS JOKEING I WANT TO BE REFUNDED MY XXXX DOLLARS PLUS INTREST AND HARDSHIP THAT WAS MY HUSBANDS XXXXXXXX XXXX MONEY HE HAD TO MISS NUMEROUS XXXXXXXX XXXX XXXX XXXX XXXX DUE TO WESTER UNION NEGLECT
Product: Mortgage

We were having financial problems and applied for a loan modification with US Bank. The application was processed, but I failed to list a few expenses, so was told by a representative to resubmit. I resubmitted, but was then told I was approved for a repayment plan, which over doubled the payment, and could not reapply until the prior one was closed. I advised I only did what I was told. I ended up having to submit an application approximately XXXX times and each time was told the file was incomplete and closed, yet when I asked what was needed, was told nothing. I had submitted everything necessary. The process took over a year to finally get a result. The last time I resubmitted, the file was denied for rental income on a property that was not listed on my application, nor was referenced with my credit file. I advised this is not my property and there is no rental income. The file was denied, yet again. I spoke with my contact person, who confirmed it had been closed and for a wrong reason. She had also advised them this property was not mine. I emailed the president of US Bank at that time. The following day I receive a call advising to reapply. I told the individual I refused to reapply for the XXXX time, and the error was on their part. He resubmitted the file as it was, and it was then approved. The length of the process cost me excessive attorney fees due to a foreclosure process. I completed the trial plan, and also the modification. A partial claim was filed, which resulted in all the fees and arrearage being rolled into another mortgage. A few months ago, I made a payment over the phone, which the associate from US Bank input the information incorrectly. Results, the payment returned for an incorrect account number. The call for the payment was reviewed, and confirmed the bank made the error, again. Today, I still have a charge on the account for the returned item from the bank error. I have spoken with several people regarding this fee, to only be advised they do not know if they can remove it or not. I explained the fee was not due to my error or returned check, but due to the bank 's error. Still, they would not remove the fee. I have since advised the bank not to call my cell phone, but I still get calls at various times of the day and at times, 2-3 times a day through their dialer. I answer when the calls are received, only to have the bank hang up. Over the life of the loan, I have had the bank refuse my payments when XXXX was due, hang up on me when asking to speak with a supervisor, provide poor service on my account, and now charge me additional fees for their mistake. The end result will be I will lose the home due to these problems.
Product: Credit reporting

Pulled a copy of my online credit report and found that my delinquent accounts are being reported beyond the 7 year reporting time as allowed by the FCRA. 
XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Checking or savings account

The company has locked my account and refuses to unlock it. It has been about three days They are so understaffed that they are not answering the phone for the loss prevention department. I have been on the phone for over an hour. No one else can help me at the other phone lines. 

The bank is virtual so the only option is over the phone. 

I have no access to my money and my homelessness situation has become even worse because of this delay. I could die because of the delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first progress is checked daily to make sure I continue building my credit and don't miss payments. I didn't owe for the month of XXXX and I now owe XXXX which is accurate for XXXX as a due date but my score dropped XXXX points and I haven't missed any payments. I don't believe this is fair this has happened to me before with first progress and this is unacceptable.
Product: Credit card

They charge me so much and monthly fees I can not catch up. I asked him to explain why they are charging me so much in fees and they never have an explanation.
Product: Credit card or prepaid card

CHASE BANK refused to refund a disputed charge I have from XXXX ( Booked through XXXX ) {$2300.00} on XX/XX/XXXX. That charge made by Travel Agency and the agency has cancelled the transaction according to numerous emails. I canceled booking on XX/XX/XXXX. Then I got letter from travel agency that my bookings are canceled and provide all information about cancelation policy including full refund, the handling time should be around 8 weeks. Its almost 6 months, since I canceled bookings and I still didnt get refund. On XX/XX/XXXX I have sent them email where I asked about refund issue and why I didnt get refund. They answer me we have checked and found that there is chargeback by your bank. Hence we request you to please speak with your bank regarding refund. After that tried to dispute this charge with chase, every time when I called to chase customer service I had different instructions from them about what information I need to provide in fax, they never contacted me in order to get additional information. However, I sent them cancelation letters from agency and fully explained my situation. On XX/XX/XXXX they sent me a letter that the transaction from XX/XX/XXXX is valid and refused to acknowledge the emails from XX/XX/XXXX that I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Chase bank on the phone to close out my account after paying off the balance that was displayed online. I told their customer service rep to close my account and at which time was told my balance was XXXX. The account was closed, but later there were " pending '' charges of which they did not tell me would stay on my account. These " pending '' charges that I was not told about stayed on my closed account, racked up fees and eventually went past due and I was reported to the credit bureaus as past due. I never received any statements in the mail from chase about these past due charges. I only found out after a credit monitoring service alerted me to the fact. Despite calling chase, and getting the fee 's reversed and the balance paid out, they told me I was not able to reverse the ding on my credit report. 

I really feel that this issue is with Chase 's website. I don't feel that the probably display if you have any pending transactions on a closed account, and at the time of me closing my account it said on their website " Balance XXXX '' This is very misleading. I never received any emails/letters in the mail about this matter either. Thankfully the bank reversed all of the fee 's and interest, but said there was no way for me to reverse the hit on my credit report. I was planning on buying a house in the next few months and now this might cost me money or ultimately hinder my ability to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS REGARDING BANK OF AMERICA ACCOUNT XXXX.MULTIPLE DISPUTES HAVE BEEN INITIATED THROUGH XXXX AND OTHER BUREAUS.IN ADDITION THE CREDITOR WAS ADDRESSED IN CFPB DISPUTES AND COMPLAINT. 
BANK OF AMERICA AND XXXX ARE DEPICTING ERRONEOUS LATES.NOW, I PLAN TO SUE BOFA AND XXXX  FOR EVERY FRAUDULENT VERIFICATION/CERTIFICATION THAT HAS BEEN ACCOMPLISHED.THE STATUTORY DAMAGE AMOUNT IS XXXX DOLLARS PER INFRACTION WITHOUT PROVING NEGLIGENCE OR INTENT.FOLLOWING THE RESULT OF THIS COMPLAINT I WILL SEND A DEMAND LETTER TO XXXX  AND BOFA SEPERATELY DEPENDING SOME-WHAT ON THE OUTCOME HERE, OTHERWISE I WILL ADD XXXX EACH TO EACH CLAIM IF UNSATISFIED AND I WILL SEE YOU IN COURT OR NOT IN XXXX SUPERIOR COURT. 
THE 2 VERIFIED DISPUTES DATED COMPLETE ON XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX AND XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX FROM XXXX SHOW THE LATES AS EXCLUSIVE AND DIFFERENT FROM THE EXCLUSIVE AND DIFFERENT DATES SHOWN ON PAGE ONE FROM THE BOFA FINAL LETTER.REMOVE BOFA FROM ALL BUREAUS
Product: Money transfer, virtual currency, or money service

Hi so I am a small business owner of XXXX XXXX XXXX and I made the mistake of using Venmo for my first transaction with a new client that sent me a {$2100.00} deposit to start on his custom XXXX XXXX build project. This was on XXXX XXXX Venmo transaction id # XXXX Once I tried to transfer out the funds to my account and wasnt able to. Then I was emailed by the Venmo team on XXXX stating that my account is is frozen and I needed to verify myself ( which I now sent them my id that they asked for ) then on XXXX I got an email from the Venmo team saying after review my account has been permanently deactivated and my funds will be held up to 180 days for lost prevention and I will be emailed SHOULD THESE FUNDS be available for transfer in the future. 

Now my problem is I am a small business and I can not blame this on my client so I have to proceed with the project he has already send me a deposit for. Now when I finish and return the client his project which will be done way before the 180 day wait period, I want these funds to be lost or sent back to the client that Ive already dealt with apart from this incident, I will take a huge blow I cant afford. Please help someone needs to hold Venmo accountable for this just cause I makes the mistake of not making it a business account they hold people money and risk tarnishing XXXX XXXX like mine, they could have easily had a professional reach out and less us know what were doing wrong, this hurts me and my business so bad this was one of my first big clients and I almost cant afford to proceed his project cause Venmo is holding his {$2100.00} that I need to locate parts for his project. This is bad in every way
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I hired a guy ( XXXX XXXX ) who pretended to be a local contractor to install laminate in my house. He asked me {$500.00} upfront to cover some expenses which I transferred him the same day via XXXX network available on my online profile at Chase bank. The day he supposed to start his work he texted me that his car got broken and he needs more money, I transferred him {$500.00} on XX/XX/2019 via XXXX. Since that time he disappeared, not picking up his phone ( XXXX ) not answering messages on XXXX XXXX. As I result I was defrauded on {$1000.00}. 

I contacted Chase and asked them to trace him down and to return my money since the money was transferred via Chase to another account in XXXX XXXX. Chase representative told me that they unable to help me at all. 

I contacted XXXX customer support only to learn that I need to contact my bank if I need any help with this transaction.
Product: Mortgage

Yes I call XXXX XXXX at National lending corporation at XXXX out of XXXX Ohio, to do a home equity loan!! He Made a soft inquiry on my credit and said it wouldnt hit my credit. So after he called back and told me that the interest was to high for that type of loan he tried to get me to do a refinance and I told him I wasnt looking to do that becuase I had a great rate now. But I guess he took it into his own hands and still went own and mad a hard inquiries on my credit to go for a refinance, thinking I would go for it if I seen these papers. I made it clear I didnt want No refinance so why would I run a hard inquiry on my credit to lower it. So what I want is this off my credit is all I want. Thanks so much for yall time File # XXXX
Product: Mortgage

The mortgage company sent me a new escrow account disclosure statement indicating I owed a certain escrow amount and I have protested the amount because the homeowner 's insurance amount is larger than the insurance company 's quote to me. I am exempt from paying property taxes in my state because of my XXXX XXXX. Last year I refinanced my mortgage with this company. They received all of the paper work and submitted an escrow amount that was not correct and sent a check to the County where I reside. The County sent the check back to the mortgage company and explained that I was exempt from paying property taxes and their escrow amount was incorrect. My mortgage amount is scheduled to increase to reflect the incorrect insurance amount and property tax amount. I have spoken to at least XXXX representatives for this company and they all tell me something different. I was scheduled to get a call from them yesterday but never received a call from a supervisor. I have never missed a payment or been late. I will pay them the amount that is the proper mortgage payment instead of what they are requesting I pay because their amount is incorrect.
Product: Debt collection

After canceling my subscription with XXXX in XXXX 2022, they illegally charged {$640.00} towards my Paypal account for renewal due in early XXXX. After discovering that PayPal paid this fee, which sent my account into a negative balance, I contacted both my bank and XXXX about this illegal transaction. XXXX refunded my PayPal account, then I removed all my personal information from the site and never used it after that incident.
Product: Credit reporting or other personal consumer reports

USA a determined my vehicle to be a total loss and agreed to pay me over {$8000.00} for the loss But it took them eighteen months to pay me During that time I incurred a XXXX XXXX dollar balance on my Credit card That I was only behind on 2 months with the same company USAA. I have since paid off the balance on my credit card, but as a result my credit has been damaged Because they took a long time to pay me so I wasn't able to pay them Until they paid me first. Not only that, but they reported my lateness to the credit bureaus and it was not even in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Transunion by phone and spoke with an agent. I informed them that I have a revolving credit line ( credit card ) with XXXX since XXXX that does not get reported on my credit report. I have already spoken to XXXX on many occasions regarding this and XXXX has assured me that they report to the credit bureau every month. The agent at Transunion told me that they do see the account in question however due to a balance dispute in XXXX, they have removed my account from the credit report. I asked Transunion that I would like my account to appear on my credit report because I have had it for 8 yrs, and the credit line is {$33000.00}, which both aspects would improve my credit score. Transunion told me there is no way to bring the account back on my credit report. I believe this is incorrect and does not follow the FCRA as my credit report is incomplete and inaccurate. The debtor is reporting every month, I am requesting the account to be reported, but Transunion is stating it can not. 

I contacted XXXX and XXXX has stated they will start reporting my account. When I contract XXXX ( also spoke to them on the phone today XX/XX/XXXX ), they inform me they do not see the account at all. XXXX has confirmed for me that they do report monthly to all 3 credit bureaus. So my dispute is with Transunion and with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help! I have submitted a compliant on XX/XX/ with the credit bureaus and no response! I to have incorrect information on my report that needs to come off! My understanding is that 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. I will list the accounts below! 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX. XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}