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

On Tuesday XXXX XXXX between XXXX I received 3 consecutive email confirmation for 3 orders placed online through my personal rewards member XXXX XXXX account at a XXXX XXXX located in Washington DC. The email also contained the address where the food was to be delivered by XXXX and a contact phone number for the person who placed the order. Apparently the XXXX XXXX website saved my debit card on file from the last time I ordered food from there at my location here in XXXX. The person who ordered the food somehow hacked my XXXX XXXX account. I emailed XXXX XXXX customer service and they've agreed cooperate with any investigation. I was at work ( here in XXXX XXXX XXXX Tx ) at the time this happened. I submitted a claim to Regions Bank which they closed and denied the very next day without asking me anything. I never even got a confirmation email that was received which is standard practice. Regions still hit me with an overdraft fee for each of those fraudulent transactions even though a dispute had already been submitted for them. When I called the bank to complain about the charges, is when I learned they closed and denied my claim without any investigation which should also be a standard practice being that it is a dispute. The representative told the reason it was denied is because I did not dispute transactions I actually made at my XXXX XXXX a month or 2 ago. OBVIOUSLY ITS BECAUSE THOSE ARE LEGIT PURCHASES I MADE GENIUSES! And it was not even a question on their online dispute form! It never asked about other transactions with XXXX XXXX from last month. If that information was pertinent to the claim decision, then it should have been asked! In addition, the online dispute form does not have a way to upload information. I had the email confirmation for the orders that were being delivered to someone in Washington. I have my timecard which shows I was working at the time!! But you didn't ask for anything!! Then just closed my claim and charged me {$160.00} for the overdraft those transactions caused me!! Talk about predatory!! You should not be allowed to add overdraft fees on transactions that have been disputed!! And you seriously need to update your online dispute form! There's nowhere to upload documents and your free text box to enter additional details has a character cap so you can't even fully explain everything in that text box! Your bank needs to be fined for this! Now when my direct deposit goes in on Wednesday, I'll be short {$160.00} because of your predatory fees!!
Product: Checking or savings account

Chase is our bank, and we have filed several requests/complaints that XXXX has been charging our account without authorization for over a year. Each time we have requested that they refund the charged amount, refund any related overdraft fees, and not allow XXXX XXXX to charge our account. We just filed another complaint today, but we do not expect chase ( despite proof from XXXX via an email response that they do not have an account for us ) to help us any longer. They are making it way too complicated to receive help or assistance. We have provided proof. they have asked us in the past to try reaching out to XXXX  again. They will not accept our call about the charges because they can not find our account despite us providing ALL of our personal information, cards charged, bank info. We tried to log in online - same problem - no access because we dont hav an account with them. Finally they responded in writing via email - with a stupid response that " maybe we didnt provide them with the right information to find the account ''. We have provided them ALLLLLL of our information and they can't find it. We are also filing a complaint with the XXXX  DA 's consumer office against CHASE and XXXX who we can only assume are now in on this together in some screwed up way. We are hoping you can help us force Chase to immediately refund our money going back at least 7 months ( more than their standard refund period - due to their inaction - at the very least once they received the complaint and our request to stop allowing them to charge us, they should have stopped it ).
Product: Debt collection

I received a letter from Mcarthy Burgess & Wolff. Threatening action for a debt that has nopthing to do with myself or my business. They are claiming a debt amount of {$160.00} for McMaster-Carr supply company . I have never engaged in business with this company. Mcarthy, Burgess, & Wolff have also not returned calls regarding this claim. I have no idea who and how this happened. This clearly is an internal issue on their end however, they are threatening legal action and most importantly false reporting to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXXXXXX System Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Credit card or prepaid card

I filed a dispute about a charge on my credit card. Company Was XXXX XXXX for {$71.00} and they did a rebill for this. I sent documents to Chase in regards to a conversation I had with XXXX about this charge. They still have not credited my account back. I have also sent them messages in regards to this as well and have not heard from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX account # XXXX ( EXPERIAN XXXX XXXX XXXX account # XXXX ( XXXX, Experian XXXX XXXX XXXX XXXX  account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX account # XXXX ( Experian, XXXX ) have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

We get a recurring robocall ( no human ) saying that we owe a debt of {$39.00}, demanding immediate payment or we will suffer " consequences ''. 

By answering XXXX of the calls, I found out that the perpetrator 's website is www.penncredit.com. 

When I talked with him, he told me the address of the debtor, which is miles from where I live. The debt is not ours. But the robocalls continue to come. 

Help!
Product: Credit reporting

I have sent in XXXX dispute letters and also attached a copy of my driver 's license and current utility bill confirming that the dispute letters are coming directly from me. I then received a reply from Experian stating that they think my dispute was suspicious and that it was not from me. I then called them when i received the suspicious letter to confirm that the dispute letters are coming from me. A few weeks later, I then again received another suspicious letter from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account that appears on my credit report does not belong to me, please check it, it is hurting me.

WESTLAKE FINANCIAL SVC Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Ive been using Xoom for several years. In my recent transaction, Xoom asked me to provide Identification proof to meet compliance requirements before they can process the transaction, which is understandable. However, the Identification proof Xoom requested ( eg Driver License, Passport, or state ID ) contains sensitive Personal Identification Information ( PII ) such as Date if Birth. Yet, as I spoke with Xoom customer service, the only two ways that Identification proof can be submitted to Xoom is either through email to Xoom Customer Compliance <cc-requests@xoom.com>, or send to their fax number. 

A shared email folder or a fax is NOT a secure way of collecting customer PII, especially sensitive PII like date of birth or full social security number. The email box and fax can be accessed by multiple personnels without clear accountability or traceability on who accessed what. For that reason, I have to cancel the transaction and stop using Xoom until Xoom improves security and privacy practices. 

As a certified security professional myself, I feel obligated to report this insecure PII practices by Xoom since general customers may not have sufficient knowledge on how to protect their own PII. Id suggest customers to stop using Xoom until they provide more secure way of collecting and handling sensitive PII from customers.
Product: Mortgage

Before I applied for refinancing, I specifically made it clear that under no circumstances would I accept a refinance that required an escrow account. I have been paying my property taxes, home owners insurance and flood insurance since 1979. The loan officer said to me no escrow is required and none would be in the future. I reiterated that only the principal and interest will be the monthly payment. 

Just about two years later, Newrez added an escrow to my statement. Newrez had not paid any taxes and/or insurances, I HAVE. Yet they added escrow. I called the customer service and the agent saw the escrow was added. I explained to him that I sent in the flood insurance " declaration '' page because they wanted proof of insurance. The agent investigated it and saw I pay all taxes and insurance, including FLOOD. He told me that the escrow would come off my statement. 

Weeks have gone by and during those weeks I have regularly sent documentation proving I am the payor. I receive form letters saying that they will investigate it, but the escrow payment remains. 

My perception why Newrez is doing this, say they hold 100,000 mortgages and each mortgage can average $ 250/month for escrow ... that gives them {>= $1,000,000} each month. Newrez takes advantage of the escrow accounts with other people 's money to make more to keep to themselves. Then they take those millions invest and profit by it without having to pay interest to an account holder. To bolster the balance of the aggregate escrow, they impose escrow on accounts that should not or do not have them by whatever means and by overinflating the escrow analysis. 

Newrez representatives are willing to tell you anything to get you to sign.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX, account number : XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Account name : XXXX XXXX number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress +
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, and unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately block and delete all accounts listed below from my credit file. 
The fraudulent accounts are as follows : XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$29000.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$37000.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened on : XX/XX/XXXX Balance : {$9500.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX Mobility Account # : XXXX Opened on : XX/XX/XXXX Balance : {$340.00}
Product: Checking or savings account

I received a email stating that it was fraud going on in my account with the check I deposited. It states that I made a mobile deposit. But I never made a mobile deposit. I deposited at a branch at the atm. And nothing about my tax check was fraud so Im going to need my funds or I can pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the same items with the Bureau since XX/XX/XXXX, 2017 ; erroneous negative accounts and several unknown and unauthorized inquiries. The Bureau has failed to remove the accounts from my report. I asked for a thorough investigation but that has not happened. They are simply replying verified without explanation as to how they verified the information, or without providing me with the requested documentation ; original contract and my signature.

Also, the Bureau is no longer replying, timely. I am not getting acknowledgement that they are investigating. I am not getting requested documentation as proof of verification. They are violating my consumer rights and this process has become costly and stressful. 
Also, while I have been disputing the items on my report, they continue to insert unverified and unknown items. They will not remove the items or provide proof that I authorized the inquiries or that the accounts belong to me. They are not following credit laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15.usc 1681 section a : states I have a right to privacy.15.usc :1681 section 604a : section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, On my XXXX XXXX XXXXXXXX I provided evidence to show the inconsistent payment history between bureaus for the month of XX/XX/XXXX, On XX/XX/XXXX, the investigation was completed and the account came back Verified and Updated. Now I have an extra late payment for XX/XX/XXXX, now Experian is just playing games with me at this point, My XXXX payment was made on XX/XX/XXXX which if my payment date is XX/XX/XXXX that would make my payment 29 days late, not 30, and by law can not be reported late. As for the XX/XX/XXXX payment, XXXX is reporting on time while Experian is reporting 30 days late, it doesnt take a rocket scientist to see the inconsistencies here. According to FCRA 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. Please update this account accordingly, thank you.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : Capital one XXXX XXXXXXXX : Capital One XXXX XXXXXXXX : Capital One XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I am outlining the harm Ive experienced due to BlincLoans, Inc.s ( OneBlincs ) repeated erroneous derogatory reporting to the credit bureaus. Despite OneBlincs assurances that the account would be corrected, the derogatory status continues to appear, as evidenced by a credit denial from XXXX dated XX/XX/year>, which cited my credit score as a primary reason for rejection. This denial and the ongoing inaccurate reporting have negatively impacted my financial standing.
Product: Credit reporting or other personal consumer reports

Incorrect/inaccurate/ incomplete information on my report such as account status account type comments Date last reported payment history payments status date opened On multiple accounts, i have notified XXXX, XXXX XXXX EQUIFAX about this since XX/XX/year>. They claimed all information is accurate and verified i attached proof of inaccuracy on multiple sections and multiple accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX  and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a )  regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, XXXX  received my last complaint on XX/XX/2020 and did not respond until XX/XX/2020. Due to the untimely response exceeding the 30 days allotted time, it is my right that the item be deleted for no response within 30 days. 
Furthermore, I NEVER received any correspondence for the item in question from the creditor therefore this item has no place on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX  XXXX Original creditor : XXXXXXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I sent Experian proof that the other bureaus took this fraudulent account off of my report and that it was many inaccuracies which was pointed out, I have the right to seek up to {$1000.00} for damages per violation and will if they continue to report this account of XXXX on my account In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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