23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a problem with a us bank credit card and us bank themselves for this issue specifically. I have a credit card ending in XXXX. I went to use it to pay a utility bill and it was denied two consecutive times. I called us bank credit card dept. to see if they knew why. The woman there found that I had clicked on the wrong month for the expiration date. I dont believe that I did that but whatever happened there she stayed on the phone as I tried again and it went through fine. This card was to expire the end of XXXX. I had received the replacement card about a month prior and had not yet activated it. This reminded me that maybe I should go ahead and activate it. I looked and didnt seem to be finding it. It is nearly impossible that anyone had stolen or taken it as I live alone and have had no break ins or visitors. I had just somewhat misplaced it. I thought maybe the credit card department could just send me a replacement so I called to see. I asked if they could do that and if there would be a charge for that. The woman said no charge and they could do that. I specifically asked if it would have the same account number as I had no interest in changing account number. If that would be I would just look for the card I already had as it is probably around. I was then expecting a replacement with my same account number. Within 24 hours I happened to be on the bank website and there was a notification that my current card would be deleted and would be inactive soon. I called and was told that the card was reported as stolen or lost. ( In the original call I never used the word stolen and if I did it was to say it was not stolen just misplaced. And if I used the word lost I explained that it was just misplaced. I was sure it was not lost at all. I also have the original card in my possession currently, it also is not stolen or lost. ) This woman now said that I would be getting a new card with a different account number and there was nothing that could be done to change the stolen/lost entry and this change. I called the next day during office hours and the woman I talked to there again told me nothing could be done to return my original account number. This is going to be a problem for me for who knows how long with accounts that are linked to this card and other inconveniences. I have had this number for a couple years and I even know the number by memory including the expiration date and security code. I do not want to change my card number. ( I in fact did receive the exact thing I requested, a replacement card with my same account number that same day but they would not activate it as they said that account was deleted. Someone at their company entered this improperly. ) Apparently this was done correctly initially but then someone/somehow it was changed to stolen/lost and the account was deleted. I called within 24 hours to correct this mistake and they would not do it. This policy or whatever is behind this is should not be and they should return my proper account number.
Product: Credit reporting or other personal consumer reports

XXXX CONSUMER DISPUTE - XXXX XXXX XXXX XXXX  PA XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX EQUIFAX CREDIT INFOSVC XXXX XXXX XXXX, XXXX, GA XXXX PERSONAL INFORMATION AFFIDAVIT To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 10 ) years. 

My correct name is XXXX XXXX XXXX, please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX OH XXXX and I have resided here for 10 years, remove all other addresses that I have never lived at or may belong to a relative, they are not accurate, remove them IMMEDIATELY ... XXXX XXXX XXXX XXXX OH, XXXX My current telephone number is XXXX, please remove all other numbers IMMEDIATELY, they are not accurate. ( XXXX ) XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems, Why is it every time I try and login to your site- there is always some login issue - and then you provide a phone number - to people who cant resolve the issue? 

I am not able to simply login to my account- and check my own ChexSystems reports - or receive any online notifications.

Why are you blocking me from my own information I am allowed to by law?

1 ) Send me a copy of my ChexSystems report + score via MAIL. I am not able to login online to receive it in the portal.

2 ) Allow me access to my online account. I am so tired of being blocked FROM MY OWN PROFILE
Product: Mortgage

My mortgage company, Nationstar XXXX Mortgage has repeatedly charged our mortgage this month then reversed it, causing my bank account to go negative through overdraft fees and an NSF charge. I attempted to contact them multiple times and was given incorrect emails to send the information to. Most recently I was instructed to send the materials to an XXXX XXXX, who I found is a corporate recruiter through XXXX. I have attached a copy of my ban statement which shows this.
Product: Checking or savings account

Submitted a timely dispute on or about XXXX/XXXX/XXXX for a purchase in the amount of {$180.00} for merchant XXXX. On or about this date, a provisional credit was applied to the account XXXX. PNC Bank sent a dispute questionnaire dated XXXX/XXXX/XXXX with reference number XXXX. The questionnaire was completed and faxed to XXXX on XXXX/XXXX/XXXX at XXXX XXXX and XXXX/XXXX/XXXX at XXXX XXXX. On, XXXX/XXXX/XXXX the same questionnaire was sent by PNC Bank claiming they never received my questionnaire. Obviously, the bank either lost my 2 separate fax documents or this is a way to easily close debit card disputes initiated by consumers at this bank.
Product: Credit card

Debt buyers law firm filed only account statement made by law firm and affadavit of debt no other documents to prove ownership I filed counter claim now they want a mutual release to end lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier today on my account i noticed a {$19.00} from a company i do not know of and just now received an email about a company i also dont know of checking out my credit score. Im getting aggravated because i dont know if someone has my information. This stress is unneeded for i am XXXX  and far along enough to cause an XXXX XXXX.
Product: Credit reporting or other personal consumer reports

ive recently check my credit report and ive seen damaging inaccurate reporting i have a closed account thats reporting on my XXXX XXXX account and also my Experian account that is incorrect and i want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Quicksilver, Account ending in # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

XXXX Bank of America Fraud Claim number XXXX. 

On Friday XX/XX/2021, I attempted to send money from my Bank of America checking account to a friend using XXXX mobile app on my XXXX. The XXXX mobile app was not working right. Then I received a call from XXXX ( XXXX ) XXXX. The male subject on the phone stated that he's the support from XXXX  and needs to have access to my phone to help me with the app. I allowed the subject male access to my phone. While he had access to my phone, the subject transferred {$300.00} from my Bank of America checking account to another Bank of America account number XXXX, XXXX. At the time, everything seemed legitimate to me, a XXXX XXXX XXXX XXXX XXXX, until I realized what happened. I called the male subject back to ask for the money back and he stated that it'll be deposited back to my account shortly which never happened. When I tried to call back the number was already not in service. I called Bank of America immediately and filed a fraud claim and called the police and filed a police report which I provided to Bank of America to support my claim. 

After waiting 5-6 weeks without receiving a decision on my claim from Bank of America, I called the bank and they informed me on the phone that my claim is denied. I never received a formal confirmation on my claim or a formal reply from the bank. 

Needless to say that the {$300.00} was my two weeks pay from my part time job in XXXX XXXX XXXX and I was left with {$17.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; Medical XXXX Balance : {$73.00}.
Product: Credit card

On XX/XX/XXXX and XXXX, I provided Synchrony Financial with 2 applications which granted them access to my trust. I create an instrument for them in exchange I would receive the Home good items I needed. 

Synchrony Financial discriminated against me, the beneficiary of the Trust due to the trust credit report. There is no law and/or statue that grants banks the right to deny any individual use of their credit. 

This is fraud on multiple levels. From trust fraud to banking fraud to securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Dispute # XXXX filed with XXXX on XX/XX/18 for STATES RECOVERY SYSTEM XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Estimated completion date XX/XX/2018. A request for proof of debt to include a complete breakdown of account number, money owed and details for all debt were requested. Dispute results became available on XX/XX/18 showing balance due of {$540.00} but no information for me to claim or correct this debt. Unsuccessful attempt to pay this debt was made on XX/XX/18 resulting in being referred back to the XXXX of XXXX to obtain proof that this debt is valid. States recovery system will collect my money but can not prove to me that this debt belongs to me. This debt clearly does not belong to me and it is now past the 30 days required for them to provide me with this information. I am requesting that this debt be cleared and removed from all credit reports.
Product: Checking or savings account

I woke up one morning and noticed a text message from my bank ( Chime ) that there was a charge that they thought was fraudulent and they wanted to confirm if it was valid or not. It was a charge to rent a vehicle. I immediately looked for my wallet and it was gone. I still dont know what happened to my wallet but it was no longer in my possession. I responded to the text and notified the automated system that that was not me and I was informed by the automated system that the charge was blocked and that I had nothing to worry about. I immediately put up my account and I noticed that there was another charge for almost {$300.00} that they did not catch. This was a charge that was made on XXXX for a hotel in XXXX XXXX, XXXX, which is on the opposite side of the state from where I live. I immediately called them to have them cancel it and they said I had to wait until it settled for them to file a dispute. I went ahead and canceled all of my cards and called them back a few days later to dispute the charge. Weeks later they finally got around to reviewing it and told me that their investigation found no mistakes made and that I would be responsible for it. When I called back to dispute that finding, I was told I didnt have any supporting documents. I told him I dont know how to prove that I didnt authorize that transaction, but the fact that they had another one on the same day that they blocked, and the fact that I I called in and canceled all my cards should be proof enough. I dont know what happened to my wallet so I cant file a police report because I dont know what happened to it. But I know I did authorize any transaction in XXXX XXXX.
Product: Mortgage

I fell behind in my mortgage due to the natural disaster of hurricane Irma then Michael then Dorian all FEMA disasters one after the other. I was previously with a different mortgage servicer then my loan transferred to Select Portfolio servicing and I had to start the modification process all over. They have been very difficult to work with and they declined me but then I had a change in circumstance and my income increased by a  substantial amount to where I could qualify for retention options. I submitted my update information and application on or about XX/XX/2020 but they claimed they didn't have time to review me due to the XX/XX/2020 sale date. This is not true and I was well beyond the 37 days before the sale guideline.
Product: Credit reporting or other personal consumer reports

I informed I didnt recognize the inquiry it did not belong to me.
Product: Student loan

Aidvantage has manipulated the payment schedule to falsely keep me in repayment longer and charge additional interest over the life of the loan. 

On XX/XX/year>, I took a snapshot of my loan, which was listed as 68 % paid off, with an estimated payoff date of XXXXXXXX 

On XX/XX/year>, I once again took a snapshot of my loan, which is now listed as only 56 % paid off, and now has an estimated payoff date of XXXXXXXX 

The only activity on the account was on XX/XX/year>, when I made an interest only payment on the account to prevent Aidvantage from wrongly capitalizing interest on this loan. ( see previous complaints ). 

I want to know precisely WHY Aidvantage recalculated my loan payoff date and reduced the percentage paid while pushing my pay off date into the future. 

Previous complaints that I have made have surrounded the roadblocks Aidvantage has increasingly placed in my way when I am trying to pay my loan off early. 

These predatory loan practices are outrageous!
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 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 also believe that the credit bureaus have
violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear expl

anation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting

I called XXXX XXXX for billing XXXX because they are unfairly charging me for medical visits. I showed up at the office and they said the doctor could not see me and one of the charges they called me to come and when I arrived they said I did not have an appointment. The doctor has refused to give me XXXX even though the prescription XXXX XXXX prescribed has XXXX to it. XXXX. I came at their request they did not provide a service. XXXX XXXX, 2015 when I paid them is the only charge I should have. I always paid {$20.00} and had no balance owed. Every since I told them I had Medicare they have increased the amount. I have a deductive with Medicare which I did not know about until Medicare wrote me. Recently Medicare paid another bill at XXXX XXXX XXXX because I stopped taking the medicine that broke me out and started with the vinegar in a glass of water. I feel my rights have been violated by sending me this bill when they have not provided service. They have charged me {$170.00} 3 times. I am a XXXX and my rent is going up next month on their tier method. I do n't need this fraudulent charge on my credit. Please help.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft, I saw an incorrect inquiry on my TransUnion from XXXX XXXX XXXX XXXX, So I called my bank XXXX XXXX XXXX XXXX to confirm that I have no application on file and they confirmed no application on file so when I called Trans Union XX/XX/year> I spoke with Marry, I stated I would like to dispute this inquiry and was told that I am NOT allowed to do so. XXXX XXXX told me they would not send me a letter because there is no application, and to contact TransUnion dispute it and they will respond, XXXX who refused to provide any employee ID # said she would NOT take my dispute information. I feel I was clearly not allowed my right to dispute incorrect information on my file. XXXX XXXX is my bank and if they say I do NOT have an application on file why can XXXX and TransUnion refuse my right to dispute incorrect information on my credit file?
Product: Credit reporting, credit repair services, or other personal consumer reports

In spite of my previous written request I found out that the XXXX credit bureaus neglect to delete the inaccurate items in my credit file, I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need these following items to be removed from my report ASAP : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.
Product: Checking or savings account

On XXXX XXXX I went to pick up meds at the XXXX XXXX After getting a little food I went to check my Balance. There was a Bill pay debit across my Check ing account that left. I didn't know who it was. But I called the Bank to stop payment and returned my XXXX Check funds to my Checking Account. They told me ar Wells Fargo bank that I have to wait until they invegate my Checking Account before they can give me my money back without another banks information at all from where this Bill pay Debit was from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND 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 XXXXXXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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: Credit reporting, credit repair services, or other personal consumer reports

I paid off my auto loan with XXXX XXXX XXXX in the amount of {$9300.00} on XX/XX/XXXX. I have received my title and lease of lien for the vehicle I paid off from XXXX. This account should be reporting a {$0.00} balance and paid satisfactory. As of today XX/XX/XXXX, 38 days later, my account is still reporting as open with a balance of {$9200.00} on my Equifax and XXXX credit reports.