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

Hello, on XX/XX/XXXX I filed a fraud complaint about my card with Chime Bank. There was XXXX of transactions on the account by XXXX XXXX. I submitted all the correct documents for the investigation and received an email that I was receiving provisional credits in the amount of {$6700.00} but only {$5200.00} actually made it in the account. I reached out to them immediately on XX/XX/XXXX, the date the credits got applied and informed them of the error. They did an escalation on the issue and stated I would get the money in 3 business days. A week later still no credits so an email, and a phone call for yet another escalation was sent. Again 3 business days they stated ... again no response in a week. Another call and email and they said that the ticket was done wrong. So again another escalation. You are getting the idea. 8 tickets, 10+ emails, and 20+ chats with online agents and Im still sitting here 7+ weeks later with out the refund or even a simple explanation as to what is going on. Im still missing the {$1500.00} ( roughly ). Now when I try to chat they just close the chat without any response at all. I have 2 tickets that they have that are 4+ Weeks old that are not closed nor have gotten a response despite every agent stating this is NO MORE THAN 3 business days. They will not supply me with the ticket numbers, I get no response in chat or in email. Since then there had been other fraud on my account. In the amount of {$3100.00} that is still unresolved at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft. I had request those accounts to be block under Consumer XXXX Blocking. I had sent Letter of CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And Identity theft police report. Now after number of request by me XXXX  and Transunion are the only 2 bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  and TransUnion are the only one that had violates the FCRA, I will beginning file lawsuit in state or federal court again XXXX and Transunion it those 3 account don't get remove or block.
Product: Credit card or prepaid card

I'm trying to use my Barclays XXXX XXXX with a merchant. I've literally tried making a purchase XXXX dozen times. When I talk to the merchant they say its the credit card company that is the problem. When I call XXXX XXXX 4 times now, including the most recent attempt where I talked to a very nice supervisor ) they say its the merchant. Something needs to be fixed and I'm coming to you, CFPB, because in past experiences I know that these complaints get elevated to a level where I get the attention of someone who has the visibility to cross the many Bank divisions to solve problems. I'm simply trying to use Barclays more. And actually make a purchase at a vendor who accepts XXXX. That's all.
Product: Credit reporting

This complaint is being filed as TransUnion continues to list an error in my TransUnion credit report. This is my 3rd time disputing this account with TransUnion. However, despite what court documents that I send them, TransUnion will not correct my credit report. Here is identifying information about me : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Credit Report Number : XXXX Errorenous Account on Credit Report : XXXX ( Account # XXXX ) Transunion is listing XXXX ( Account # XXXX ) as an account that was " included in Chapter XXXX bankruptcy ''. I have never had proceedings for a Chapter XXXX bankruptcy. The XXXX account was sold to XXXX and, as you can see from the attached forms from the Trustee regarding my Chapter XXXX bankruptcy, that account is currently being paid in my Chapter XXXX bankruptcy. It has been paid on since XX/XX/XXXX ( when I filed Chapter XXXX bankruptcy ). Citing the Fair Credit Reporting Act, I am asking that Transunion removes this erroneous information from my TransUnion Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was laid off from work.. As one can expect I fell behind in my payments to creditors. I notified all of them explaining my situation and asked for forbearance. All were willing to work with me except XXXX card and XXXX XXXX ( mortgage company ) I was able to return to work in XX/XX/XXXX. However, I was forced to relocate 4 hours away from my home.. So now more than ever my credit became crucial. 
I immediately began to make as many payments as soon as it became possible.. However, XXXX not only refused to give me forbearance.. They also refused to acknowledge that I made a payment of {$440.00} within the grace period for XX/XX/XXXX which I have documented proof that I did. They deliberately posted my payment as late on XX/XX/XXXX after I made an online payment on the XXXX just to show my account as 90 days late. 
If that isnt bad enough they signed me up for autopay without my consent therefore committing FRAID. So in XX/XX/XXXX when I made a payment of over {$1700.00}. They proceeded to withdraw an additional {$440.00} a few days later ... 
When I confronted XXXX and accused them of FRAUD and GRAND THEFT. They responded by saying that they would return the {$440.00} plus any overdraft fees that they caused. 
They did in fact return the {$440.00} all but admitting to my complaint to charges of FRAUD and GRAND THEFT. but did not include any overdraft funds.. 
I have since reported this to XXXX  on multiple occasions and they refuse to remove this from my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any contract with you, you even failed providing me the original contract bearing my signature showing that I have contractual obligation to pay you. 

Fair Credit Reporting Act, Section 609 states that you are required by federal law to provide me and send me a proof such original signed contract bearing my signature.

FDCPA Section 807 ( 8 ) You have failed to validate the debt, this is misleading/false reporting The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified. You must request the credit reporting agencies to remove inaccurate and incorrect information and delete it from my credit report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$180.00}
Product: Mortgage

I got myself into business with RealFi Home Funding Corp ( www.rhfunding.com ) more than six months ago ( XXXX of XXXX, XXXX ), when decided to apply for mortgage refinancing with them. Today is XXXX, XXXX and the loan is still not closed, and likely won't be closed because the market conditions have changed and I would not accept the new pricing from them. As result, I lost money and time. I lost money because today I would have to accept higher rates, I would have to pay for new 0.5 % refinance fee and I would have to pay for another appraisal. I did lock the rate with them but it was meaningless if you deal with a company which would not close on loan even in 6 months. I am not sure what was their real intent. Every month they were requesting same documents over and over, and then just sitting without doing anything, at least, with my loan. They never answered the question when the loan was going to be closed. They are either unqualified or extremely arrogant. To add more insult, they did hard inquiries on my credit without consent. 
Hopefully, I saved some potential mortgage shoppers from dealing with RealFi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Checking or savings account

On XX/XX/XXXX my stimulus payment was applied to my account. Navy Federal Credit union decided on their own without letting me know that they were applying a {$140.00} provisional credit to my account for my benefit so that I could have full access to my stimulus payment, which was deposited into my savings account. My savings account was {$0.00} at that time, even if they think they had a right to put a credit in my account there was no reason for the credit. Now, 60 days later without contacting me prior they have taking the {$140.00} back out of my account, meaning they reversed the credit leaving my savings account - {$140.00}. When I called and talked to the bank the supervisor I spoke to jokingly with a little snicker says, we are prepared to offer you budgetary counseling, if youd like! I am really irritated about all this, especially because I dont have an extra {$140.00} and I have been without a job for over a year now due to COVID-19 and this is happening to me now. Its ridiculous!!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Remove the following items from my credit report, immediately : XXXX ( COLLECTIONS ), XXXX XXXX ( COLLECTIONS ) In addition to these fraudulent accounts I've noticed several hard inquiries XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX 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 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 reporting or other personal consumer reports

XXXX and Equifax continue to allow fraudulent names and addresses to remain on my account. I am unable to dispute this incorrect information ( identity theft ) because the personal identifying information you are prompted to submit either by their online services or over the phone I am unable to provide because they are requesting information that is not mine.
Product: Debt collection

In XX/XX/XXXX, I cancelled all services with XXXX XXXX due to divorce filings in XX/XX/XXXX. Since that time, multiple collection agencies have bought the debt and continued to try to collect regardless of me contacting XXXX advising them of the divorce and that I was not in possession of the equipment as they were given to my soon to be ex-husband. Furthermore, it has been 7 years and should be removed. I have contacted XXXX over 10 times and to no end, they keep having debt collection companies buy it out and send requests for payment. In addition, I contracted XXXX in XX/XX/XXXX and XX/XX/XXXX for which I have become permanent XXXX following a 2 week XXXX XXXX. I would like to request that this account be permanently closed given the length as well as ongoing health conditions.
Product: Mortgage

Multiple tender of payments were made on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX of XXXX, the account was brought current of {$7600.00}. I haven't heard from the company yet. 

Afterwards, 21st Mortgage filed a judgement against my property and no disclosure was made that they were going to unlawfully accelerate the contract. 

21st Mortgage has violated me by mail fraud, knowingly filing foreclosure in civil court instead of Federal court, they have place derogatory marks on multiple credit bureaus ( and their privacy policy states they don't share nor sell individuals information ), they refuse to send the previously requested wet ink signed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXXXXXX XXXXXXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has now been 31 days since I requested to see the nature and substance of all information in Experian 's files on me, the consumer. I submitted this request to them XX/XX/year>. Per the Fair Credit Reporting Act Section 609, I requested this information by mail and by phone and I have yet to receive it. Despite not receiving the requested information in the mail, Experian continues to report the inaccurate and unverified information to my credit report. When I requested this information over the phone, I was told by XXXX representatives, XXXX and XXXX, and XXXX supervisor, XXXX, that they would not be able to provide me with this information because they did not have it. I was told they do not have verifiable proof to give me. Per the Fair Credit Reporting Act Section 611 " if after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. '' Experian has failed to provide the requested verifiable proof and failed to submit a response by the 30 day deadline given to them. I request the immediate removal of accounts ending in XXXX and XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX XXXXXX/XX/year>. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I would like to have t JPMCB CARD HARD INQUIRY removed from my credit report immediately. 

I WOULD LIKE THE XXXX CREDIT HARD INQUIRY DELETED OFF MY CREDIT REPORT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, you must remove any false accounts from my credit report. Could you verify the documents? Some accounts are misreported, with incorrect figures and dates.
Product: Money transfer, virtual currency, or money service

I am writing this to express my concerns regarding zelle handling their disputes. I have told zelle numerous times about some discrepancies about my zelle transactions in past which were not investigated properly. I was told that once the funds were sent i am not able to get the funds back and was impossible to get it back. The CFPB lawsuit highlighted that there are significant issues with the platforms. So i want to see if there is something that can be done ; I have felt like zelle has neglected to protect the consumers but also leading to allow repeats of offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting

I tried to get from free Experian credit report through XXXX. The last time I got a free Experian credit report was XX/XX/XXXX, so it has been just over a year. I tried this on XX/XX/XXXX around XXXX Arizona time ( Mountain Time ). I received an error message that said " A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' I really want to get my credit report online, not through the mail and not on paper. I called Experian. They told me to get my free credit report, go to freeCreditReport.com, which as you know requires me to sign up for credit monitoring ( at a monthly cost of {$19.00} ) after which I do receive my " free '' credit report. I did this, paid {$4.00}, got my report, then canceled the credit monitoring. If Experian does n't give free reports online, they should explicitly state that and let me know for the free report, just mail in the forms.
Product: Debt collection

Around mid XXXX, Ive made a phone call stating for proof from the debt company itself for proof of me owning this debt after seeing it on my credit report unknowingly. They could not provide proof to me stating just a balance and when they got the debt. They stated I owed {$1400.00}. 

On the date of XX/XX/year>, I filed a dispute with the credit company Equifax as to which they completed the investigation under two days ( XX/XX/year> ) stating it was completed. I received the letter back after 30 days verified as accurate in XXXX. 

I was exercising my right as 15 USC1681 ( a ) ( 6 ) B ) I ) It was now in XXXX when I typed a letter to now ask EQUIFAX itself for proof of how did they verified this debt as accurate. I sent this letter as certified. They received my letter on XX/XX/year> and decided to open ANOTHER dispute and this time it took XXXX days for them to investigate it as completed on XX/XX/year> with the same results which I DID not ask for. I ask proof of the investigation from the month of XXXX dispute. They violated my rights and I made a phone call and a dispute claim representative is claiming its identity theft and to which who sent the letter to them ask for a dispute instead which is incorrect. I do have the letter I sent as well, if you wish to view it. I had clear instructions with no intentions for another dispute to be open, but PROOF of how they investigated the first dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered that Concora Credit Milestone reported a 30-day late payment on my credit report. I was surprised by this, as I had automatic payments set up and never received any notice from the company regarding a missed or late payment. 

I contacted Concora Credit Milestone in XXXX XX/XX/XXXX. Time XXXX. to dispute this late payment and specifically requested documentation proving that they sent me a late payment notice. After placing me on hold to consult with others, the representative admitted that the company never sent any notice. Despite acknowledging this, they refused to remove the late payment, stating that it was my responsibility to check and make the payment. 

I have also disputed this late payment multiple times with the credit bureaus, but the item remains on my report. The absence of a proper late payment notice, which the creditor confirmed, indicates inaccurate reporting that is significantly harming my credit score.

I am requesting that the CFPB investigate this matter and ensure that Concora Credit Milestone provides documentation supporting the late payment claim or removes this inaccurate information from my credit report. This inaccurate reporting is preventing me from securing necessary credit and loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I do NOT accept the fact that I am continually given the run around regarding my credit report! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized XXXX XXXX XXXXXXXX to run my credit! XXXXXXXX XXXX XXXX has distributed my report with out my knowledge & consent on these dates! XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission! I do not accept the previous response sent by the company on XX/XX/XXXX! I want these inquiries off!