23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On I XXXX I booked a trip on XXXX  very excited about this vacation! Then unfortunately COVID-19 happened and I received an email from XXXX saying they are canceling my trip due to the COVID-19 ... I wasnt too happy and I understand its out of everyones control! So they tell me I can only get a credit that has to be used within a year during a nationwide pandemic and we have no idea when this pandemic will end!! Per there cancellation policy if I can I will receive a credit .... I Didnt cancel the trip they did!!!! So i file a dispute with my credit card company and its been three months and they closed my case & refuse to give me a refund!! In the mean time I lose my job & need my money back from this company that is trying to keep it!! I have no idea when the country is going to get back to normal & I am currently unemployed ... : i cant even believe this company is putting up a fight about this!! I need helping getting my money back all if this was out of my control!!!
Product: Checking or savings account

I initiated a transaction from XXXX XXXX to Navy Federal in the amount of {$1400.00}. The transaction was sent back to XXXX XXXX. I turned around and sent {$1500.00} from my XXXX account to my Navy Federal Account. The money was never posted to my Navy Federal Account, but you can clearly see the money has been funded through my XXXX Account. 

Navy federal told me to GO TO SLEEP AND WAKE UP AND CALL BACK AFTER XXXX XXXX This was basically the response. I asked could they at least tell me why the first transaction from XXXX XXXX was returned? No response. Everyone wanted to get off of the phone instead of addressing my concerns.
Product: Debt collection

second time disputing this account this month because transunion clearly doesn't know the law, this account is not even close to being accurate to the original creditors. debt collector account say I owe {$200.00} and the original creditor say I owe {$550.00} this my dozen time disputing this account, XXXX & XXXX  BOTH REMOVED THIS ACCOUNT BECAUSE THEY SEE IT HAS A HUGE VIOLATION. Please view the highlighted areas Thank you.
Product: Credit card or prepaid card

I requested statement copies for Mastercard account ending in XXXX on XX/XX/XXXX, it is now XXXX and nothing received to date. I spoke with a rep in recovery, I do not have her name available to me, she stated she was able to request statement copies from account opening to closing. I called again recently on XX/XX/XXXX, the rep confirmed they were sent out, he could not tell what date. I believe if they were sent out they should have arrived by now, it appears the package is lost. I request statement copies resent, I need the entire account history from opening to closing.
Product: Money transfer, virtual currency, or money service

At the beginning of XXXX, I applied for a checking and savings account with Wells Fargo. 

On XX/XX/2021, I received an email stating my accounts have been approved and welcoming me to Wells Fargo. 

On XX/XX/2021, I received an email from Wells Fargo for each account, stating that they have made a business decision to close each of the XXXX accounts. 

Unfortunately for me, this was after my XXXX funding transfer from my previous bank ( XXXX ) had already been withdrawn from my account and my old accounts closed. 

After trying to work with XXXX and Wells Fargo, both have been unable to help me get my {$360.00} back. 

XXXX says Wells Fargo has withdrawn it and should have it ; Wells Fargo says it should have been returned to XXXX when the accounts were closed. The XXXX case number was XXXX. The XXXX case number was : XXXX. 

The money never credited to either of the new accounts ; the {$330.00} to the new XXXX savings and {$25.00} to the new XXXX checking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. The List of accounts below have violated my federally protected. consumer rights to privacy and confidentially under USC1681 account # XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights 15 USC 1681 section 602 A States I have privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting can not furnish a account without my written instructions. 15USC 1681c a section states no consumer reporting agency may make any consumer report containing any the following items of information. any other adverse item of information other than records of convictions of these crimes which antedates the report more than seven years 15 USC s 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

On XX/XX/XXXX, I sent a Notice of Error after receiving new evidence of an unknown escrow surplus of {$1400.00}, after noticing Nationstar of XXXX  Home Loans error in reversing a loan payment specifically meant for XX/XX/XXXX, confirmed by XXXX Regulatory Agent XXXX XXXX. Nationstar failed to acknowledge or respond to this Notice of Error allowed after my XX/XX/XXXX discovery of fraud by XXXX  Home Loans and Nationstar 's fraudulent concealment of outrageous errors in the payment allocation of my loan for 5 years negatively impacting my payment history on my only mortgage loan and causing a false payoff statement that Nationstar forced me to over pay. 

XX/XX/XXXX XXXX XXXX told me there was not any evidence of a duplicate {$1400.00} escrow payment for XXXX XXXX XXXX XXXX in XXXX and XX/XX/XXXX, to which I dug through my records and found direct evidence of the first escrow payment made to BAC Home Loans paid out by BOA NA from my checking account by check XXXX for {$1400.00} that XXXX  Home Loans never recorded. 

Nationstar and their Counsel obstructed my access to their possessed XXXX XXXX XXXX loan history used to onboard the loan with using false payment information provided by XXXX XXXX XXXX in XXXX. XXXX  Home Loans phone system will not allow for transferred borrowers to speak to an agent by phone in XXXX but still in XXXX. I only accessed this loan history that on its face shows a reversed loan payment credit for XX/XX/XXXX and I provided Nationstar 's counsel and Nationstar with direct evidence of XXXX  Home Loans error to which XX/XX/XXXX Nationstar 's counsel stated to the CFPB a false claim I had not provided this direct evidence of a XXXX XXXX XXXX statement for XX/XX/XXXX. 

I am seeking a response from the CFPB and Nationstar as to why corrective action should not occur, even years later in the face of clearly active fraudulent concealment of this highly relevant and material evidence, that was obstructed for favorable outcome in XXXX XXXXXXXX. The errors cause the current ongoing false inaccurate payment allocation to show up on a Mr. Cooper XXXX of Mortgage. 

See attached factual occurrences as my personal statement and complaint against Nationstar.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX..Volkswagen credit reported to the credit bureau 30 day late payment.I wasnt late, it was a bank error with my funds being processes. I contacted Volkswagen in XX/XX/2020, for a goodwill and they denied. Due to not having document from bank. On XX/XX/2020, I submitted a letter head statement from the bank in regards to my payment history and the error which was made.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to get FDCPA & FCRA XXXX U.S.C. XXXX documentation along with a request to acquire a Forward Flow Agreement & Chain of Assignment of the alleged deb to no avail. Yet the debt collector ( PRA ) and reporting agencies continue to allow the improper and inaccurate entries to remain on my credit report. I have provided documentation of police reports and FTC Identity Theft filings. These companies do not listen, or care.
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 24 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFRPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. 

These are the accounts : 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

I have tried to unfreeze my credit report from Experian. I sent all the required information to Experian XXXX Texas office on XX/XX/2019. I have called several times and only get a robot never a real person. I need my credit to purchase an RV. This is very frustrating! Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$1100.00} ; XXXX ; XXXX XXXX XX/XX/2022.
Product: Checking or savings account

This applies to both accounts, i.e myself and my spouse 's. While traveling during XX/XX/XXXX to new jersey, chase bank continuously declined my spouse 's card for amounts less than {$20.00}. Both of our accounts had sufficient funds. Today, XX/XX/XXXX, after spending 2 hours on phone with phone company to purchase new phones, we finally got to the agreement/payment page which i completed only to have chase bank decline the charge of {$230.00} while my account contained a balance of more than {$2400.00}. I am a XXXX veteran who doesn't have the mental capacity found in most individuals. Stress and anxiety are my immediate enemies due to my health status. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The simple solution would have been to 'pend ' the charge rather than outright deny it. The nightmare now is trying to figure out how to re-pay the phone company hoping that they don't cancel the order. You may consider re-sending the payment an easy task however it is surely turning into a nightmare for us. Due to my colorful language, language i learned in the military, and the reason given was 'some people only respond to a certain language ', i may have upset the female csr at chase however i did ask to speak to a male citing that my language would become colorful. unfortunately, she would not comply and therefore witnessed my verbal wrath. Anyway, to save a life, wouldn't it be wiser to 'pend ' a charge rather than outright denying the charge? What level of common sense does it take to make that decision? anyway, i will be terminating future services with chase bank, however having the card declined over an hour ago, ( call ended XXXX, it is now XXXX ) and i'm still having chest pain and feeling light headed, I would like for them to pay for the upcoming emergency department bill because THERE WAS NO BASIS FOR DENYING THE CHARGE AGAINST MY DEBIT CARD, WHICH CONTAINED SUFFICIENT FUNDS, FOR 'SUSPECTING " FRAUD, WHEN THEY COULD HAVE JUST AS EASILY 'PENDED ' THE CREDIT TO MY ACCOUNT! THANK YOU!
Product: Credit reporting or other personal consumer reports

XXXX collection accounts in the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, was added to all XXXX  of my credit reports. These account are not mine. I was not living in XXXX at the time these XXXX accounts were opened, I was living in XXXX. I have attached multiple proof of my residency in XXXX showing the dates.
Product: Mortgage

I sold my house and check was sent to morgage company XXXX Every single time I call I recieve a different answer regarding funds overage I have XXXX different documents that state different escrow amount also a document stating insurance was not paid but it was One document states XXXX XXXX I applied XXXX customer service people state a check was sent XXXX said no no check was sent A payment of XXXX was sent but they applied a payment of XXXX All of it is extremely confusing and very contradictory I am owed money even my closing attorney said it I just want a break down from XXXX til now none of it makes sense
Product: Credit reporting, credit repair services, or other personal consumer reports

WORLD FINANCE INC XX/XX/XXXX, I agreed to a payment plan to bring my account current. At the time, I was told I would no longer be incurring extra fees or interest while trying to pay back the current amount owed. 

To date XX/XX/XXXX, I have been paying on time as agreed in XX/XX/XXXX with the understanding that my credit would not be adversely affected. Instead, after reviewing a new copy of my credit report, I found that the agency has been reporting my payment as late each month. Although I am following their payment agreement. 

I have called twice in XXXX to try to remedy the problem. They gave me the run around and said sorry there is nothing we can do, unless you want to pay in full?? 

I have never had a company that enters a payment agreement with you but still negatively connotates your credit history. Ridiculous!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2021 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative XXXX
Product: Mortgage

I received from my home insurance company a cancellation of policy, upon review of the escrow balance it was noted that JP Morgan Chase had not paid our homewoners policy. 

I contacted JP Morgan Chase on XX/XX/XXXX, they indicated they had paid a policy in XX/XX/2021, our home policy runs XXXX to XXXX. Upon further research it was found JP Morgan Chase Escrow Service had paid another XXXX 's policy in my town with the name XXXX XXXX from my Escrow. 

We held a 3 way conference call between JP Morgan Chase Escrow and the other person 's insurance company. The JP Morgan Chase representative was blaming the other parties insurance company, after further review the other insurance company confirmed JP Morgan Chase had indeed sent the funds. 

I have been trying to get my escrow funds restored, clearly JP Morgan has made a mistake, no " supervisor '' or decision maker is available to resolve the issue and they do not want to accept accountability for their mis-handling of escrow funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I filed a dispute for an account, XXXX XXXX XXXX MICHIGAN and it came back verified, I will need debt validation also I filed a dispute on XXXX XXXX XXXX - XXXX was also verified I will need debt validation also for his account. 

15 USC 1692 G Send me a detailed listed of history of payments, that Ive made on this account, I want to see the signature that I signed guarantee I would pay this creditor. Have there been any insurance claimed filed on this debt. I want proof you have the chain of title to collect on this debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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, XXXX '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 ( 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. 
These are the accounts that I have marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 DP OF EDUC XXXX Balance : {$17000.00} DP OF EDUC XXXX Balance : {$9400.00} XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX AV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} US DEPT ED XXXX Balance : {$4200.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

THEY DID NOT SEND ME NO INFORMATION ABOUT THE ACCOUNTS AND THE ONES THAT WAS IMPROPER INFORMATION DID NOT FIX!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit was pulled to open this debt. Open date XX/XX/, {$17000.00}, According to the Federal law Fair Credit Reporting 15 U.S Code 1681s I have a right to privacy and should not had to apply to a debt collection company for this debt if it was not placed on my credit report. No written consent to add information on my credit report 15 U.S Code 1681b. The derogatory marks are not allowed on your report by law 15 U.S Code 1681c. Per Credit Law 15. U.S Code 1681c creditors agree to follow the law and have not done so 15 U.S Code 1681s-2 information is inaccurate. Name, amount owned etc.

Inaccurate amount owed Inaccurate account on credit report The car was damaged- total loss.