23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX several times as well as all 3 major credit reporting agencies they failed to remove this information of reporting late payments XX/XX/XXXX XXXX and Experian reporting 30 day late payments XX/XX/XXXX both companies are reporting 60 days late, XX/XX/XXXX XXXX Experian reporting 60 days late XXXX reporting 30 days late, XX/XX/XXXX XXXX and Experian reporting 30 days late. 
I recently received my credit report and noticed inaccuraies account # XXXX XXXX  XXXX According to the F air Credit Act section 611 ( 5 ) ( A ) you required to prompt ly delete all information that is inaccurate, It is also that under FCRA15 U.S.C 1681 ALL derogatory accounts must be promptly removed. 
I AM NOW ENACTING MY CONSUMER AND CIVIKL RIGHTS TO COMPEL YOU TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY REMARKS.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX  XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Checking or savings account

On X/X/17 a Federal Benefit Credit ( Social Security ) for {$41000.00}, was deposited to my checking account at USBank. I went to the bank that day and spoke to XXXX XXXX who told me i would have to wait until XXXX to make sure it cleared? I didnt argue but I went back on XXXX to withdraw the full amount. XXXX XXXX told me he could only give me {$15000.00}, cash and would " order '' the rest and it would be Thursday XXXX before I could get my XXXX I made him give me a Cashiers Check for {$24000.00}, as I didnt want to leave the $ sitting in my account. I need the money now! I called him the morning of XXXX and asked him to contact the other 4 branches of USBank and get me the rest of my . He got nasty and said " I told you I wont have your $ until XXXX ''. I told him that was unacceptable and I need my $ now. We had words and he hung up on me! I called another branch and got the name of the " District Manager '' XXXX XXXX. I called him 3 times and left messages on voicemail XXXX. He still hasnt called me! This morning I called him and left message that I was filing a complaint with Consumer Finance.gov. Bottom line is they wont give me my funds. There is no excuse! PLEASE HELP ME! XXXX XXXX
Product: Mortgage

We closed on our house on   XXXX   XXXX   XXXX   XXXX   wit h Quicken L oans. In   XXXX    XXXX   XXXX  , when making our online payment I noticed a large credit of about {$3000.00} towards the account. Not understanding where this came from I called to inquire about it. I was told that at closing they over estimated taxes and insurance and that it was going to be refunded to us. We received a check a week later. In  XXXX  we were told that they recalculated our escrow and were lowering our payment by {$50.00} per month. Towards the end of  XXXX  we finally decided what to do with the refund and proceeded with flooring and paint. Days later I received a notification that our house payment is now going to be {$200.00} more each month because they mistakenly refunded us money and they would like it back. Um. What? We called, verified and waited 3 months to spend that! Not only that, but every month, I was paying {$50.00} per month over our monthly payment towards principle, and while not an enormous amount of money that was {$600.00} per year that I will not be able to pay towards my principle. So, they are now tying this 'repayment ' to my mortgage. Can they do that? The point is that I should not be held accountable for this money as I did EVERYTHING  right.  If I call to verify and am reassured that this is indeed 'for real ' and even wait to spend it ... .I do n't really care if they are gracious enough to drop {$200.00} into my escrow account but I am still responsible for the balance. I do n't care if I had {$5000.00} sitting in my savings account ( which I do n't ), they should not be able to do this. If your boss gave you a bonus at the end of the year and then realized they gave you too much ... and then docked your paycheck for a year ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

the first progress report account that's reporting on my credit report account number XXXX XXXX has a lot of inaccuracies that should be deleted off my credit report ... reporting of someones credit report that's not accurate it's illegal ... in TransUnion it says they open XX/XX/2020 while in XXXX it says XX/XX/2020 which makes this report invalid please delete immediately..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX AV XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$660.00}, XXXX XXXX XXXX Balance : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized ( inquires not associated with the opened accounts ). Identity fraud victim.
Product: Checking or savings account

Chase allowed someone to withdrawal {$22000.00} from my checking account with a withdrawal slip ( not a check ). They are not dont anything to address this issue which occurred on XX/XX/year>.
Product: Checking or savings account

XX/XX/XXXX I opened a TD Convenience Checking account. The offer said exactly. All you need to do is open a new TD Bank Convenience Checking and set up direct deposit totaling {$500.00} or more monthly into your account within 60 days upon account opening. Once the offer criteria are met, the {$200.00} bonus will be credited into the new personal checking account no later than 95 days from account opening. I complied exactly and XXXX XXXX at TD bank in XXXX XXXX agree all details were met. Balance was maintained, direct deposit was made in time, etc. He also tells me I qualify but I need to wait 188 days. My offer said 95 days. I printed out the offer page. Sent several emails through my account only for them to respond with another offer, had no idea what I was trying to say. Called the customer service number several times no help said they would send it up, no reply. Stopped in TD Bank in XXXX XXXX NJ XX/XX/XXXX and did a follow up call a day later he just says 188 have to wait possibly. Again, the offer said 95 days.
Product: Credit card

I received a virtual debit card from Blackhawk Network as settlement for a class action for {$25.00} in XX/XX/year>. I activated the card in XXXX, but did not attempt to use it until XXXX. I couldnt use the card and called customer service. They informed me that they had placed a block on the card. They opened a case and told me that another department work on it and it would take XXXXXXXX XXXX to resolve. I received an email asking for photos of the card and my ID, which I provided. 

After XXXX XXXX of no additional action, I called back and was told that they now needed the original email that I received with instructions to activate the card. Of course I do not have this as there was no reason to save it after successfully activating the card online. 

They have more than sufficient information to verify my identity, including verification that they sent the original email to the same email address that Im using to respond to their current requests. 

Customer service is completely useless in that they will only say repeatedly that another team is working on it and someone will contact me in XXXXXXXX XXXX. Neither of which have proven to be true. 

At this point, this really seems like a scam. XXXX had no reason to block the card, and is now making it impossible for me to have it removed. Its such a small amount of money that most people put in this situation wouldnt jump through all of the hoops and I think they know this. 

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 received a statement that my payment history was inconsistent with the credit bureaus. My lease with GM Financial was paid in full and satisfied on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from GM stating that I had been charged {$420.00} for an unknown amount. After contacting GM, one of their representatives stated, " The payment is for some type of state taxes. "? The representative went on to say the credit bureau information was erroneous. I informed the representative that my spouse was exempt from taxes related to XXXX vet status. I want to add that I was leasing another vehicle from XXXX and remain in good standing. Fast forward to XX/XX/XXXX, the credit bureau entered XXXX plus late payments and a missed payment to my account related to the leased vehicle, which was paid in full and satisfied on XX/XX/XXXX. On XX/XX/XXXX, I leased another car from GM Financial. This is very concerning and unfair to me as a consumer. These occurrences have had a substantial impact on my family 's well-being. I have requested that my payment history be printed out.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company within 4 business days. Please delete the following accounts. XXXX XXXX XXXX for {$2900.00}, XXXX  XXXX for {$430.00} open XXXX XXXX
Product: Checking or savings account

XX/XX/2021 called and routed through multiple phone options that went round to the same prompts for 20 minutes. There is no option to speak with an operator or representative at phone number, XXXX listed on the back of the " Chime Bank '' Visa Debit card. That account is the one I continue to close, yet when I call to verify it is still open. 

Representatives at their 'bank ' are not verse in the 'banks ' practices and the 'manager ' aren't either. It make me not confident in their objective to function as a monetary facility. 

Chime Bank is using a nefarious avoidance activity to continue to keep this account open. I do not want to do business with, " Chime " Bank '' ...
Product: Mortgage

We have been thru a bankruptcy ( XXXX ) we have come thru it paid in full. Mortgage was not included only the couple payments behind when we filed whiled they had claim and was paid. However there have been a couple consent orders after the fact due to the mortgage servicing provider claiming we are behind or owe this magical number they come up with with fees and this or that.. we all agree to a consent order and that the monthly statements will be corrected.. however the only thing that happens is they take our money and no correction is made saying we are current. When we make a monthly payment they put the money wherever or hold in a suspnse account or wherever. We just had another consent order we paid and now they have is behind again over XXXX dollars .. our regular payment is XXXX. We have our bankruptcy lawyer but she is not doing anything. We need help before we are on the streets. We cant keep dishing out money to go down the toilet. And not reflecting payment or current status. Help!
Product: Student loan

In XXXX, I had requested a refund for payments made during the forbearance period, totaling in {$10000.00}, with my previous student loan servicer, XXXX, to which original payment was made in accordance with the CARES Act Without notice by mail or email, I had come to find that my loans were transferred from XXXX to Aidvantage on XX/XX/XXXX by calling into the XXXX Customer Service call center. In this same call, XXXX informed me that they could no longer be of assistance as my loans were no longer serviced by them. 

Since, I have contacted Aidvantage several times a month only to find that my loans have still not fully been transferred over despite the announcement on XX/XX/XXXX that all borrowers have been transferred over ( https : //studentaid.gov/announcements-events/fedloan-stop-servicing-loans ). 

Likewise, over 3 months from my initial request, I have yet to receive my refund, nor do I have access to view my account history with either XXXX or Aidvantage.
Product: Credit reporting or other personal consumer reports

I respectfully urge you to investigate these unauthorized inquiries and furnish documentation regarding their source. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that may suggest my authorization for these actions.

Since these unrecognized inquiries could harm my credit score and overall financial standing, I kindly request that you resolve this matter swiftly. Your prompt attention to this issue is sincerely appreciated. 

- XXXX  XXXX XX/XX/year>
Product: Checking or savings account

SunTrust ran a promo ( code XXXX ) whereby if I had a direct payroll deposit of at least {$3000.00} for 2 consecutive months within the 1st 3 months I would get a {$500.00} bonus. I have met & exceeded those requirements ( my payroll direct deposit has gone into my account for FOUR months now and I have the bank statements to prove it. These XXXX are trying to claim they can't validate that it's a payroll deposit but 1 ) it OBVIOUSLY is, and 2 ) it shouldn't be my problem that they " can't : validate it & get their act together. I provided the name of my employer & even offered to send a W2 but their " Marketing '' dept. said if they couldn't verify it if they didn't see a certain code in the transaction but that is a LOAD OF XXXX by either incompetent or lazy people or thieves. I upheld my end of the promotion so please force them to uphold their end or FINE THEM for being XXXX XXXX XXXX!
Product: Mortgage

I have rephrased your account as follows : My original financier transferred my mortgage to Planet Home Lending in XX/XX/XXXX. Regrettably, I was unable to make a payment for the entire month due to the fact that Planet Home had not established an account for me. I was also unable to pay my previous lender, as they no longer provided loan servicing. Planet Home furnished an address for payments by XXXX, and I promptly dispatched a cashier 's check. Nevertheless, it took them XXXX weeks to process my payment, which resulted in the impression that I was 30 days late. My original lender verified that my account was transferred to Planet Home as current and up-to-date, despite Planet Home 's assertion that the delay was caused by the previous lender. 

I made a few late payments in XXXX, with some being 30 days or more late. However, I consistently made an effort to make up for the delay. I contacted Planet Home in XX/XX/XXXX to request a hardship accommodation after losing a contract, as I was uncertain if I would be able to secure another one. I submitted all the required documentation for the hardship ; however, it took Planet Home nearly four to five months to process it. I reached out to them on a weekly basis during this period ; however, they were consistently unresponsive and frequently asserted that they had sent requests that I had never received. 

They ultimately processed my hardship request in XX/XX/XXXX, following months of back-and-forth. I was advised to enter into a forbearance, which was to be followed by a promissory note and a partial claim in order to catch up. Planet Home reported that I was over 120 days late on my account, despite the fact that I was in forbearance and continued to make payments during the process. This was incorrect, as I was in the process of making payments and was actually ahead by approximately two months at one point. 

Despite the fact that I adhered to their instructions and made the necessary payments, their reporting had a significant impact on my credit. I believe that their treatment of my account was unethical and unprofessional, particularly in the way they reported me as delinquent while I was in forbearance, a fact of which I was previously oblivious.
Product: Checking or savings account

Currently through Wells Fargo I was hacked on XX/XX/2020 they took a total of XXXX dollars and it was two transactions one for XXXX and another for a XXXX both of these transactions I did not Authorize them then they told me wait 10 business days then I caught these fraudulent transactions while it was pending I called them immediately But then the date changed from the XX/XX/2020 to XX/XX/2020 I called and asked why they said it was the posted date I asked why would they post somthing I didnt approve but they denied my claim saying I approved of the transaction with the phone verified on file but I did not get any text email of phone call of this going on wheel this was happening I was at the doctor for a XXXX XXXX and I had no idea This was going on or anything then they told me they will not reopen the claim because I authorized it which I did not
Product: Credit reporting or other personal consumer reports

XXXXm reaching out because Ive noticed an account on my credit report that was opened without my consent. This is a case of unauthorized and fraudulent use of my identity, and I need it taken care of immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the Amazon Chase credit card and was declined. A year later an Amazon credit card showed up at my house that I did not apply for. I talked to Chase and they informed me that it was in fact fraud and cancelled the account. I also talked with them at that moment about removing the hard credit inquiry that was placed on my account, this was XX/XX/XXXX. XX/XX/XXXX I was applied once again without my permission. I called them explaining that this was fraud and I did not approve the application. They notated my account and claimed the two inquires would be removed from my credit. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have been applied again and again all without my permission. Again I have called to just be brushed off. I decided to try and dispute the inquires with the credit report but ran into a dead end when they told me to deal with the credit card company directly which has n't been working for me. I now have 6 hard credit inquires on my report that are fraudulent and would like them removed by the company. Someone somewhere within one of those companies has my personal information that they are using at their own discretion. I am concerned with how easy it is to access my information.
Product: Checking or savings account

I contacted TD Bank several times over money being improperly dispensed and not put back into the account that was mishandled. I " had made several calls and in store visits to ear up errors made by lazy staff. Still no luck and no help in getting my money back.
Product: Debt collection

I XXXX XXXX the natural person and consumer as defined by the FDCPA 15 USC 1692 ( a ) ( 3 ) who is submitting this complaint on my own behalf there is no third party involved. XXXX XXXX XXXX XXXX XXXX XXXX have invaded my right to privacy by sending a letter received on or about XX/XX/2022 which was dated XX/XX/2022 stating that the consumer owes a debt. XXXX is a debt collector as defined by the FDCPA 15 USC 1692a ( 6 ) and has violated the FDCPA. The receipt of this communication was at a very inconvenient time and was an attempt to harass me to coerce a payment of an alleged obligation by way of intended misrepresentation. The receipt of such document is misleading and it appears to be from an attorney which is a violation of 15 usc 1692 ( e ) ( 3 ). Pursuant 15 USC 1692 ( c ) ( a ) I have never given this company my direct consent to contact me or to have my personal information.This is a huge invasion of my right privacy. It is clear that this company has violated the FDCPA and intentionally attempting to deceive I the consumer. This is an alleged obligation. Farther more this company has no rights to collect any amount. UCC 9-109 clearly states such action is prohibited being that this account was transferred for the sole purpose of collecting only and XXXX is a debt collector. I do not give you permission to take any legal action against me. The attached exhibit was mailed to this company on XX/XX/2022 and delivered by USPS certified mail which was picked up on XX/XX/2022.