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

On XXXX, I used XXXX XXXX to send my son ( XXXX XXXX XXXX ) money ( {$1000.00} ) to bail his son out, I've used this company in the pass, ( NO PROBLEM ). When I asked him is he received the funds, the reply back from him was NO. So, I tried to backtrack and cancel the request, no trace of the money on my end or my son. We could not locate or find the money. XXXX XXXX about 2 days later, text us and ask what could they do to help. The communication was horrible, they would sent text messages, and REPLY back repeat-unable to contact you? It all sounded FISHY to me, so I filed a Fraud Complaint with the bank regarding my money. The teller informed me that it would take 30 days, i had copies the teller refuse to take, So, I FAX the copies to the Fraud Claims Dept. It's like they never took a look at the documents or question anyone At XXXX XXXX. Then before the 30 days was up they CANCEL the or CLOSED the CLAIM out. So, now I am without my {$1000.00}. It was like I never existed or came into the bank to file the complaint about this issue. I want my money back, they are federally insured, I am due that money it benefits I received from my late husband who served in the XXXX and was a XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I transfer money from my XXXX XXXX XXXX card to XXXX XXXX  account of XXXX. The money never came through to my account. The amount was XXXX. Im the one to take this action to get the money back
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. XXXX XXXX ( please see attachments ) This account attached to the identity case I was involved with and instructed by the FTC to file a report- FCRA and this account is still not removed. This account was removed by both XXXX and XXXX, however Transunion is still reporting this inaccuracy to my credit profile. Please see attachments that I sent in last month with the FTC report, Police Report and copy of the most update report by XXXX. I expect this account to be updated and removed from Transunion within XXXX hours. Thank you
Product: Mortgage

I bought my home in Connecticut in XX/XX/XXXX, and have lived on that premise since then. 
On XX/XX/XXXX, I refinanced the mortgage. 
After closing of refinancing, I got fired from my job on XX/XX/XXXX. 
I was unemployed and collecting unemployment benefit, but I was current on my mortgage. 
I have tried to find a job but wasn't successful until XX/XX/XXXX. 
I got a job offer from one company located on North Carolina and I took the job even if it offers significantly less compensation. I was making XXXX from my previous job, but I am making XXXX from my new job in North Carolina. I need to take a salary cut over XXXX but it is still much better than collecting unemployment benefit. 
I need to relocate with my family to apartment in NC, but I would like to keep my house in Connecticut because I love to come back later time. The distance from my home to my new job is about XXXX miles away. 
I contacted my mortgage company, Chase Bank, asked for a permission to convert my home to rental home from primary residential because it is only way for me to keep my house while I am working and living in NC with less income. 
Chase bank rejected my request. 
Reason for rejection is even though distance is over XXXX miles away, new job changes should be made under same employer to get qualified. 
I would like to keep my old job with much higher salary and live in Connecticut, but as I mentioned I got fired and moving to North Carolina is inevitable. Considering my current salary, I cant pay both my mortgage in CT and pay rents in NC. 
I do not understand the decision from Chase and believe there must be a way to get helped to keep my house. 
Thank you for your support Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for XXXX card account XXXX XXXX/XXXX   I supplied the Ftc Identity theft paper work to them on last saturday, XXXX   XXXX and XXXX had XXXX  blocked in 72 hours Equifax however is making me wait 30 days as if it a regular dispute The confirmation number that i submitted it is XXXX I have attached to you the Ftc paper work along with the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF EDXXXXXXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, UNIVERSl1Y OF XXXX XXXX : XXXX.
Product: Payday loan

On XX/XX/XXXX, I received a call from a mediator named XXXX She advised me that EzCorp had been trying to contact me for some time in reference to a loan. I asked her for details but she said I had to send payment first and then I would recieve information. I asked for date of loan. Said all she could tell me was it was from XX/XX/XXXX. I ask for written documents. Was denied. As well as my rights.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Secured Loan Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Credit card Account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX A Secured card Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Secured loan Account name XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Account name XXXX XXXX Account number XXXX Date XXXX XX/XX/XXXX A Account name XXXX BANK Account number XXXX Date opened XX/XX/XXXX A Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX OFFICE XXXX XXXX APT XXXX XXXX TX XXXX A Inquiries XXXX BANK Inquired XXXX XX/XX/XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections, late payments and accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulentitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company is reporting a debt I have never open in XX/XX/2020. Will not send validation paperwork and is reporting as accurate to my credit report I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the " Secure Message '' feature on their online system to ask Chase to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages ( times and dates show ) along with screen shots of when they did the hard inquiry.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an unauthorized collection entry placed on my credit report by Procollect ( Adress- XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Texas XXXX Phone- XXXX XXXX XXXX ) The agency first contacted me by phone call regarding this debt on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. However, before ever contacting me, they reported the debt to the credit bureaus, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These acts mandate that consumers have adequate notice and the opportunity to verify or dispute a debt before it appears on their credit report. 

Furthermore, I have proof that this debt was paid in full on XX/XX/XXXX. Despite this, Procollect inaccurately reported it, causing an immediate and severe impact on my credit score. This has led to significant distress and unfairly harmed my financial standing. 

I have made several attempts to resolve this matter directly. I have sent multiple emails and left messages on the agency 's website, but I have received no response or assistance in correcting the error. Additionally, I was forced to contact all three major credit bureaus ( XXXX, XXXX, and XXXX ) to file disputes to mitigate the impact on my credit score. 

I request that the CFPB investigate this matter and ensure the immediate removal of this incorrect entry from my credit report. Additionally, I seek assurances that the collection agency will comply with FCRA and FDCPA requirements in future actions.
Product: Checking or savings account

On XX/XX/2022 I called into XXXX XXXX and made my payment of {$530.00} over the phone with the representative by the name of XXXX, she stated the payment was successful and we ended the call. I woke up the next morning and noticed I received two emails thanking me for my payment and I immediately checked my card and the payment was in process twice with a total of XXXX. I called in and spoke with XXXX and let her know my payment was posted twice and I needed the money back right away as I have a son who has necessities as well as the holiday is coming up and I wanted to XXXX shop for my sons XXXX XXXX. To no surprise I was told it would be up to XXXX business days until I received my money back. Immediately I asked for a supervisor ( XXXX XXXX and she stated it would be XXXX days and it would be put on rush but they are closed over the weekend. This is unacceptable in my eyes, any other charge that comes through on my account twice even for {$1.00} it is recognized as a duplicate charge and I am refunded promptly. This is not my first issue I have had with Chase Bank and I will be closing my account as soon as this is rectified!
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of all the three Credit Bureau Equifax continues to report incorrect information on my credit report and lowers my credit score by 100 points from the other reporting bureau. 
Example as of XX/XX/2021 I had a credit score of XXXX and 8 months later that have drop my credit score down to a XXXX. 
I have excellent payment history with all of my active creditors with no late Payments. I have dispute several times accounts thats does not belong to me or should not be on my credit report. They have on my account address and states on my account that I have never lived at in my life. They also us a thirty party company by the name of XXXX XXXX to verify and report information on your credit report. 
Neither of these company actually verify your dispute by contacting the creditor by phone or email and have a full name, Position title and date time they spoke with someone to verify the dispute. They use a computer data base to determine if the debit belongs to you. They report wrong balances and late payments and old accounts that should be on your credit report. 
Equifax has had their data hacked by hackers and stole personal information which means their data base is not protected by the black-web and hackers. With the country highest crime on the web-site with hackers Equifax is not a creditable reporting agency.
Product: Credit card or prepaid card

There was a of fraudulent charge case ( TD CASE XXXX ) involving my TD Bank 's Visa Card in XXXX, amount {$1100.00}. Unfortunately, TD found the fraud case in favor of the merchant because whoever stole my credit card delivered the item to my house, and I returned the product back to the merchant, resulting in TD closing the case and re-billed me in XXXX. I paid TD my credit card bill including {$1100.00} to maintain good standing with my account. 

Since then, I kept contacting the merchant for a refund. But the merchant insisted that TD Bank never paid them ( XXXX XXXX XXXX, XXXX ) due to the " fraud '' status of the transaction. 

I spoke to a lawyer about it, the lawyer advised me that I need to be able to prove that TD Bank paid the merchant. So I called TD many times to request evidence of payment to merchant. TD tells me that my credit card statement is all I can get and it is sufficient, when in fact my credit card statement does not prove TD paid the merchant.
Product: Credit reporting or other personal consumer reports

I did not give this company the right to do background checks. 
and I do not know who is put in my public record, what is this company doing in my public record share my information with who. 
All I know is that the company monitors people. 
I am very concerned about the existence of this company me public records in my account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi bank has opened an credit card that I did not open, they did no diligence in verifying address 's that i have never lived at or near. opened the account and added the address to my bureau and have not worked to remove and close said account in a timely manner
Product: Credit reporting or other personal consumer reports

Collection in the amount of {$1300.00} for an unauthorized/unknown XXXXXXXX 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: Checking or savings account

Starting on XX/XX/XXXX I had fraudulent activity on my debit card. Whoever got ahold of my debit card number drained my entire checking account which amounted to {$5300.00}. When this was happening, Wells Fargo did not notify me by text or any kind of red flag to my account while it was being drained. They did not freeze any charges either. The following charges were : 1 ) XXXX  merchant I believe in XXXX for {$2400.00}. 2 ) Parts shop XXXX XXXX in XXXX, Ca for {$2700.00} 3 ) Money transfer XXXX  {$94.00} 4 ) Money transfer XXXX  {$100.00}. As soon as I noticed the charges, ( XX/XX/XXXX ) I contacted Wells Fargo customer service to let them know that I did not authorize any of these purchases and filed a fraud case with them. They let me know they would investigate the situation and send me a letter with their decision. After a few days I did receive an amount from XXXX for {$2400.00} credited back to my account as well as a partial credit of {$240.00} back from Parts shop XXXX XXXX but that was all. This leaves the amount of {$2400.00} outstanding not credited to my account from them ( XXXX XXXX ) as well as both the XXXX  charges were not credited. That totals {$2600.00} that Wells Fargo has not returned to my account. When I spoke with a rep in the fraud department on XX/XX/XXXX, ( XXXX ) she said that the investigation was concluded and they spoke with XXXX XXXX and they said it was a valid charge. This is untrue. This charge was also entered manually by the merchant, meaning the card was not tapped or inserted. I'm not sure why only {$240.00} of this huge charge was returned, but the whole amount should be. I was told I would receive a phone call in 48 hours from XX/XX/XXXX when I talked to the rep, but I have not received a call. I just received 2 letters saying that I was partially refunded and that was all because my claim was being closed. I am shocked that these charges were allowed to go through and my entire account drained and Wells Fargo has only returned a partial amount of my money. I am so disappointed that this has happened to me as I am a XXXX XXXX XXXX XXXX just trying to save for my first car. I can't believe Wells Fargo has not called me back and has not returned the rest of the money stolen from my account. The fraud report number is XXXX. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, TRANSUNION AND XXXX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.
Product: Debt collection

Today one of the representatives called me while I was at work and was very rude on the phone. I let him know that the whole situation will have to wait because I 'm at work and he told me it could n't because it affects my credit. After that he started talking over me as I was speaking to him explaining I ca n't continue on trying to figure out this how to fix the situation. Things escalated and I ended up having to hang up on him because he was still rude to me after I explained to him he is not supposed to be talking to anyone like that especially as someone who works in an office. I feel harassed and he was being manipulative and I do n't appreciate that. On top of that I also explain to him about how my medical insurance already paid out what they could and sent an explanation of benefits to the hospital and if he needs to talk to my medical insurance than he should. He wanted me to get them on the phone with him in a 3-way call which I did n't have the time for. He was very rude to me throughout the whole conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting factual errors on my credit report from Company XXXX account # XXXX Experian and XXXX are reporting inaccurate High Credit, Inaccurate Credit Limit, Inaccurate Date Last Active, and inaccurate Date of Last Payment, these errors and inaccuracies are a direct violation of the FCRA so this account should be deleted from my credit report immediately and permanently. I will attach my Valid Hawaii State Drivers License, my Social Security Card, and a Copy of my Utility Bill for Proof of Identity and Residency.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Product: Mortgage

In XX/XX/XXXX, I filed for bankruptcy. I did not include my mortgage with XXXX XXXX because I was present at that time and the bankruptcy attorney advised that unless I chose, I did not have to include my home. I did not include my home yet continued to make payments on time. In XX/XX/XXXX, XXXX XXXX stated they would correct my credit as two payments were improperly placed into another fund instead of being applied to my mortgage. Before fixing the issue, they transferred me back to Freedom Mortgage as my servicer, inXX/XX/XXXX, while stating I was then past due. I submitted all documentation to XXXX XXXX, Freedom Mortgage and all credit reporting agencies in order to resolve this issue. 
It is now XX/XX/XXXX and I am still fighting to resolve this issue as my credit has plummeted and though XXXX XXXX has corrected the problem on their end, Freedom Mortgage is still reporting my mortgage delinquent. I have obtained attorneys and HUD, but have not received satisfactory services.
Product: Money transfer, virtual currency, or money service

I have been awaiting a mortgage refund check in the amount = {$910.00} since XX/XX/XXXX. ( more than 3 years ago!! ) I have called almost weekly to get an update. Most recently I spoke with a Supervisor " XXXX '' ( initials XXXX  ) on XX/XX/XXXX assuring me that I would be emailed a confirmation of the mailed check number XXXX. There was zero result - no email, nothing. 
The deadline to confirm these monies = XX/XX/XXXX or forfeiture of funds. 
I have emailed confirmation on XX/XX/XXXX again that I am claiming this property. 
I have called weekly without result. 

Please followup with status and update on the refund check please. 
There is something critically wrong with the service at Dovenmeuhle - this is beyond reason. 
I will also followup with a complaint with the XXXX  as well. 

I can be contacted at : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed that the information on my profile was incorrect. There are several hard inquiries on my credit report that should not have been on my report profile and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a request asking them to reinvestigate or remove these hard inquiries listed below : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US DEPARTMENT OF EDU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contract hire ) XX/XX/XXXXXXXX XXXX ( Construction ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Bank ) XXXX XXXX, XXXX Experian>> XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX