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

Experian, XXXX and XXXX all are reporting charge off accounts on my credit report. The IRS defines a charge off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report This now becomes an inaccurate Account which now under 15 U.S.C 1681EB which speaks on maximum accuracy of the consumer report it must bet Deleted and it is still on my file.
Product: Debt collection

The bank lied on their last response. I asked repeatedly for access to my online account so that I can make payments to the delinquent XXXX XXXX XXXX  account. They say in writing in their last response that they took an offset out of my checking to bring my account current, and they did, but they never gave me access to my online account. They also say that if I make a payment and bring my account current, they will give me access to my online account in question so that I can make payments. You can see this for yourself in their response. They contradicted themselves in this response. I want to be refunded all the late fees they took, and I want the account put back online so that I can make payments to it.
Product: Payday loan, title loan, personal loan, or advance loan

Republic Finance Company in XXXX S.C.. On XX/XX/year> I applied for a loan and received it with additional add-ons for XXXX XXXX membership for {$1300.00}. Which I received back. But My disgust was it wasn't mention to me while signing my documents. When I looked back over my documents thats when I notice it. I read about The XXXX XXXX  loan company and it was the same problem I had. Just reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting ACT XXXX Account Name : XXXX XXXX XXXX ACCOUNT # XXXX, has 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused serve XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 


As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 168i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. I did not authorize the credit inquiry. 

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: Checking or savings account

I went and tried to transfer money from my XXXX  account and it was showing restricted on XXXX XXXX, 2024, I was told that there was information I had to submit documents I submitted all the information and was told on XX/XX/XXXX the restriction had been removed, but it still is there. I reached out several times to the company with no prevail in getting the restriction removed. They just keep sending email and not taking care of what needs to be done.
Product: Checking or savings account

Ive been charged {$140.00} in overdraft fees because of fraud on my account. My bank has taken way too long to clear this up and CONTINUES to allow this merchant to take money out my account. In XXXX I was charged {$100.00} in overdraft fees. This company has taken over a XXXX dollars from me in negligent overdraft fees and sucks all the money out of my account constantly. Every time I call they act like they cant reverse the fees immediately but they can. Im tired of being fraudulently charged by Wells Fargo
Product: Mortgage

I received a call today ( XX/XX/21 ) from Randolph Brooks Federal Credit Union saying my mortgage was past due. 

My initial response was " That's impossible... I have automatic payments set up ''. After some research it appeared my account was short {$300.00} on the day they tried to make the payment, but I received ZERO notification that the payment did not process. 

I promptly made a payment with the representative and hung up. As I was reviewing my account I noticed I was charged a late fee of OVER {$100.00} ( {$100.00} to be exact ). 

After discovering this late fee, I called back. During the conversation I informed the representative that I never received a notification that my automatic payment wasn't processed and I asked to have the fee waived as a courtesy since I've NEVER been past due on a payment ( anywhere, any loan ) and I've always paid over the minimum payment on this mortgage. The representative said she couldn't do anything but she could escalate a case to a manager.

I received a call from a manager earlier today telling me that the fee can't be waived. When I asked about their process for notifying me that my automatic payment was not processed, she said they didn't have one. She also let me know that they only call people AFTER the grace period for the loan payment ( meaning after they are guaranteed a late fee??? ). 

This process seems unfair, abusive and deceptive for several reasons...

1. Why would they not notify me that my automatic payment was not processed on the day that automatic payment was supposed to happen?

2. Why did they wait until AFTER the grace period before calling me to let me know?

3. Why is it that they can't provide a courtesy refund and ensure this is not reported to the credit bureau???

4. The fact that they can charge over {$100.00} for a first time late fee is abusive.

I am very conscientious of my credit score and payment history and the fact that I will now have a late payment on my credit report for a problem that could have been averted had I been notified is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for Transunion and XXXX  and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have charges on a discover card that I have disputed a couple times they are holding me responsible because XXXX gives them no response also someone setup a online account I want the information from me accout
Product: Credit reporting or other personal consumer reports

-- I know for a fact that XXXX does not report a bankruptcy on my report. They removed it in 2020 because they could not verify it. ( see attached letter ) -- Equifax clearly states ( see attached screenshot from their website legal section ) that they get this " public '' information from XXXX. They also told me they verified the information with XXXX when I disputed it many times, when they clearly absolutely did not. -- I requested XXXX furnish notification of the deletion to all three credit bureaus after receiving their letter. In addition, I sent this proof to Equifax directly, with the letter from XXXX, instructing them to remove it. I requested, and then demanded for a total of XXXX certified letters, that they remove the bankruptcy from my report. ( see attached ) -- They are legally required to remove any information that they can not verify.
Product: Debt collection

My mother had a debt that was settled with her retirement home. She got numerous calls after I removed her from the home due to abuse that was reported previous to her moving and after. After that she got a demand letter and a filing from Hunter Warfield for approximately 15k which was never what she owed to start before being settled. XXXX XXXX belittled my elderly mom and scared her. She had me take over trying to deal with him. He and I did not get along and he would not listen so he decided it was best to call my mom and do it over to her. I filed with a lawfirm for her and she spoke to them they said that they could get it settled I said I am not settling for a debt that I dealt with them for that was a year ago. Well about 2 weeks ago I got a collection on my report for XXXX and I have never signed anything for her I was not even in the same state when she went into the retirement home. I started looking for a law firm to sue and see that this is a normal practice of these XXXX. I want to stop this. They need to remove from my report immediately as there are many damages as I support my mom and she has altheimers and I have been looking for a loan for her to get complete medical care that XXXX and XXXX XXXX and XXXX XXXX will not cover and of course they pulled this and see this collection and now I am unable to do this ... I am contacting all places needed to resolve this and attorney generals. I contacted the original creditor they do not know how they got my social security number so this is very serious in my book.
Product: Checking or savings account

After reviewing Chexsystems account I noticed accounts that were not familiar to me. I sent a validation letter to Chexsystems, requesting the listed account and have yet to receive any information that justifies the reporting of the account on my Chexsystems report. Please find the account below and the validation letter sent attached. 

XX/XX/XXXX XXXX XXXX Account # : XXXX
Product: Checking or savings account

On XXXX separate occasions I disputed transactions with Chime bank because of fraud and they declined to return my funds. Totaling {$900.00}. Each merchant can not be contacted or refused to return my money. XXXX XXXX  {$400.00} paid XXXX XXXX, XXXX {$150.00} XXXX XXXX {$240.00} contact number constantly ringing busy and we never finalized agreement my social security card was needed and I never provided it because it was stolen. Chime denied dispute. XXXX XXXX {$400.00} on XXXX XXXX XXXX my son somehow went on my phone and sent himself money. Chime denied my dispute and I appealed and spoke with XXXX who gave me a date XX/XX/XXXX that I would hear back from them and no contact was made not even email. XXXX {$100.00} on XX/XX/XXXX I paid for merchandise to be delivered and he refused to bring it after I paid saying there was a delivery fee of {$50.00} that was not discussed or posted at the time of purchase so I cancelled the transaction. Chime denied dispute and put it under loss of merchandise when I told them cancelled transaction making it not eligible for immediate refund due to insurance. I stressed that I would do my dispute on my own but they are determined to do them
Product: Mortgage

Rocket Mortgage LLC violated following Rules, Regulation & Laws but not limited only the followings, XXXX ) Failed to provide me Loan Modification without any Documents as per the Guidelines of XXXX XXXX. 

XXXX ) Failed to provide me Loan Modification after XXXX days default without any Documents as per the Guidelines of XXXX XXXX. 

XXXX ) Failed to provide XXXX days advance Notification of any Loan Transfers from it's date of Loan Transfer & I challenge the Loan Transfer at this time as I failed to get the Benefits & Reliefs available to me as per US Federal & Maryland State Laws & XXXX XXXX Guidelines. 

XXXX ) Failed to reduce the Interest Bearing Principal Amount even after receiving the Full Appraisal from a Licensed Appraiser. 

XXXX ) Conspire against a Person of Color, Minority, XXXX American & Immigrant like me to not offer all the Benefits & Reliefs available to me as per US Federal & Maryland State Laws & XXXX XXXX Guidelines. 

XXXX ) Pressure to sign a Application for Assistance by Possibly asking for documents that violate the US Federal & Maryland State Laws & XXXX XXXX Guidelines & asking for a Waiver for any Legal Consequences, which is totally unlawful to my personal opinion. 

XXXX ) Failed to provide me a Fair & Equal Treatment but treated me like possible like a Slave & untouchables by transferring my Loan to a different Company to avoid providing me with Benefits & Reliefs available to me as per US Federal & Maryland State Laws & XXXX XXXX Guidelines. 

XXXX ) Burden me to pay XXXX months Mortgage willfully to pressure me & creating a willful default to Foreclose the Property & to bring on the Road because I am a Minority, Person of XXXX, XXXX XXXX XXXX XXXX. 

XXXX ) Please correct the wrongdoing & offer me Loan Modifications before Loan Transfer. 

XXXX ) Legal Action will be taken against you all soon. Please make a note of the above listed violations in my personal opinion & take immediate action to correct them before the Loan Transfer. 

XXXX ) Failed to Offered me Loan Modification under XXXX Loan Modification without any Income Verification even after sending me an email in writing & later asked several unlawful documents which was not required by XXXX Loan Modification. 

XXXX ) Failed to offer me Loan Forbearance while my Loan Modification Request was on Pending & Under Review. Reported Negatively in my Credit to harm me as I demanded Equal Rights under XXXX Loan Modification. 

XXXX ) Even though I am qualified for No Income Verified Loan Modification under XXXX Loan Modification, Rocket Mortgage LLC & Investor XXXX XXXX requested for Income Documents for Loan Modification which was unlawful as per their own email sent by XXXX XXXX XXXX XXXX Team Leader, Servicing, Rocket Mortgage who stated the following ( Email Attached ), " Hey XXXX XXXX, Per our conversation the evaluation date must be before XX/XX/year> for a XXXX loan modification. 
Thank you, '' This product does not require the submission of income documents by the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX XXXX  Account # XXXX {$120.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$1300.00} The above accounts were opened fraudulently in my name. Please remove them immediately from my credit profile due to identity theft under section 605-B of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate items on my credit report, as I am entitled to under the Fair Credit Report Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602 ( a ) regarding my right to privacy and the accuracy of the information reported. Delete this account immediately, unless you want to be held {$1000.00} per violation. 

Dispute XXXX : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2017 Balance : {$1200.00} Dispute XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Debt collection

I XXXX XXXX asked the company to verify the debt by sending copy of the contract to my home address. Im not sure who the company is and they are not complying. Hopefully, I can receive some answers by filing this complaint.
Product: Credit reporting or other personal consumer reports

Complaint XXXX The inquiries below were made without my permission or knowledge, and I believe they are negatively impacting my credit score. 

This is the list of the inquiries that I am disputing : Inquiry by XXXX XXXX on XX/XX/2023 - XXXX Inquiry by XXXX XXXX on XXXX XXXX- XXXX I have made several attempts to contact the companies responsible for these inquiries, but they have been unresponsive and have not provided me with any information about why they made the inquiries or whether they have any legitimate reason for doing so. 

I have also tried to dispute these inquiries with the credit reporting agencies, but they have not been able to provide me with a satisfactory explanation for why these inquiries remain on my credit report. 

I believe that these inquiries are unjustified and have no legitimate reason for being on my credit report. They have caused me significant stress and financial hardship, as they have affected my ability to obtain credit and have lowered my credit score. 

I am therefore requesting that the CFPB investigate this matter and take action to remove these inquiries from my credit report. I believe that this action is necessary to protect my rights and ensure that my credit report accurately reflects my creditworthiness.
Product: Payday loan

After paying on this loan since XXXX of 2014, I would call just to find out that the amount of the loans continues to stay around the amount the I borrowed. I was not under the impression that the payment that I make every payday most if not all is going towards the payment. I came to find out that it 's only paying towards the interest.
Product: Checking or savings account

On XX/XX/XXXX I purchased a Jacket for my husband in the amount of {$610.00} from XXXX XXXX XXXX XXXX. I used my debit card issued by SoFi Bank XXXX. ending in XXXX to make this purchase. On XX/XX/XXXX the item was delivered using XXXX 2 day shipping. Due to the relatively high cost of the jacket I had my husband try it on immediately to make sure it was the proper fit. However, to our disappointment it was not. We live approximately XXXX miles from the mall which has a XXXX XXXX shop where returns are accepted for a 2-3 week period with receipt whether purchased online or instore. My husband tends to procrastinate and since i didnt want to put it off for another day, week etc. I drove down to the mall that day to do the return XX/XX/XXXX. When doing an in store return in addition to the receipt they also need the card used to make the purchase so the funds cant be applied to another card or account. This is verified through there credit card terminal. The funds are returned back to the card with 5-7 business after the credit is issued. Being a long time customer of 15 years or more to the merchant I put the receipt for the credit that was supposed to be applied back to my card, in my purse and didnt give it a second thought. After 10 business days pass on XX/XX/XXXX after looking in my account and realizing the funds had not been applied to my account. I called my financial institution to see what was going on. They said no funds have been received. This was the start of a long process which I went back-and-forth from the merchant to my financial institution via email correspondence every day every other day, since then receiving ample documentation, including trace IDs and other forms of identification used In order to show, the merchant had returned the funds back to my account, and SoFI bank was Not applying them to my account after a few weeks of this, I contact the OCC who has all the necessary documentation IDs and if youre not familiar with what a trace id is Its a digital footprint that documents exactly where the funds were sent and when they were received, and its nothing that can be misconstrued or Misinterpreted. The funds were returned to my financial institution, and they were Not being applied to my account. Since the OCC regulates Situations like this for my financial institution SoFI bank XXXX I filled out there complaint form in its entirety Attached XXXX documents showing trace identifications everything to show that the merchant had refunded this money to the bank that they regulate. I received correspondence by mail if they were looking into it, however nothing they didnt do anything more. Its almost been two months since this money was returned to my financial institution and still has not been applied to my account and the OCC is not doing their job. Thats why Ive contacted you guys my OC number XXXX they have not been doing their job. Thats why I reached out to you guys. Documents showing possible if any further questions or needed please contact me on my cell phone XXXX anytime a day or seven days a week so we can resolve this problem
Product: Checking or savings account

US BANKS POOR INVESTIGATION AND COMMUNICATION AFTER FRAUD! 

My debit card was fraudulently hacked on XX/XX/XXXX at XXXX. Over {$2000.00} was stolen from my account from XXXX, and I did not approve or request this! I opened a fraud investigation as soon as possible. I was informed that a provisional credit would be issued after a few days while the investigation continued. After a few days i received the credit, only for it to be promptly removed from my account a few days later. When i asked why- they had informed me that the case had JUST been opened the day prior, and should not have been issued. How and WHY is that possible? This not only cause emotional distress, but a severe overdraft into my account. Not only that, upon receipt of the provisional credit, I had transferred some of the funds into another account of mine to pay bills that were upcoming. They have since reversed THAT transfer as well, and now both of my accounts are {$1700.00} and {$2000.00} in the NEGATIVE. Because of this, my most recent paycheck that has since been deposited ( which I needed to use in order to cover past due bills from the INITIAL fraud ) I no longer have access to because US BANK has put all of my accounts in the negative!! The money I need to feed my FAMILY. Every representative has told me something different, the calls are always " dropping '' on the representatives end, NO ONE has followed up or called me back when they said, Claims and requests haven't been opened with urgency, or when I was told they would be. I requested a callback from the fraud agent assigned to my case on Wednesday, XX/XX/XXXX and was told shed call me in XXXX business days. It is now Tuesday, XXXX - and i'm being told it's XXXX business days now? I am absolutely FURIOUS, and need to have this resolved ASAP! 

I have screenshots that I can attach, but didn't because the portal has an advisory not to include personal information, but will happily provide to representative upon claims opening.
Product: Debt collection

Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX This is from XX/XX/XXXX I have repeatedly tried to straighten this out with them but they just keep sending the bill through collection agencies. 
Total amount of bill is XXXX When we went to ER I gave them BOTH insurance cards. The emergency XXXX XXXX XXXX  XXXX XXXX did not process the ins properly and therefore I recieved this bill in XXXX. I've talked to them on the phone numerous times. Last time was about 1 year ago I thought this was taken care of but no .... today I recieved another invoice from a different collection agency asking to make a deal and pay {$320.00} by XX/XX/XXXX to resolve a matter that isn't my making. This should have gone through our insurance that we had at the time. It's also messed up my credit.