23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX, someone used my personal information to obtain a credit card in my name from XXXX XXXX XXXX and charged an amount of {$850.00}. A Detective with the XXXX XXXX XXXX XXXX XXXX. had previously reached out to me about this matter. He advised me that he had looked into the matter of this identity theft and who obtained the fraudulent credit card. The Detective advised me that the identity and fraudulent credit card theft took place at XXXX XXXX XXXX, XXXX, GA XXXX. I advised the Detective that I had never resided at XXXX XXXX XXXX, XXXX, GA XXXX, and have resided at my current address since XXXX to present. On or about XXXX, I had attempted to discuss this matter with a XXXX XXXX XXXX  Representative, but the lady was very difficult to deal with over the phone and would not discuss the matter with me and advised me that the matter had been turned over to a debt collection agency. I, several times while on the phone with her attempted to advise her that I had never applied for a credit card with their bank. I also told her that I had not had a credit card since XXXX ( paid in full and shredded ) and that was with another financial institution. I also attempted to explain to the bank representative that I have never lived in XXXX, GA and had resided at my current address since XXXX. I have received numerous calls from Midland Credit Management and I once spoke with a XXXX XXXX ( works with Midland Credit Management ) who attempted to accuse me of having received the credit card. I explained to him that I had never applied for a credit card with XXXX XXXX XXXX and have never resided in XXXX, GA at the address provided. Approximately a week after mine and XXXX XXXX conversation, Midland Credit Management sent me a letter and copies of statements from XXXX XXXX XXXX. On XX/XX/XXXX, wrote a letter of dispute attention directly to XXXX XXXX disputing the accusation of fraudulent credit card debt. did not belong to me and that I was a victim of identity theft and someone obtaining a fraudulent credit card in my name. 
On XX/XX/XXXX, I wrote another letter disputing the fraudulent credit card and identity theft to Midland Credit Management. 
I am also having to get this mess cleaned up on my credit report with the credit bureaus so that I can get my credit score back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian was dated 12/19/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Balance : {$100.00}
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/2024 I began the process of applying for an early wage access loan, which I have done before. FINFIT requested the necessary documents ( Gov issued ID and W2 or SSN Card and I produced ID and W2. I then received emails asking me to upload even more.. primarily the actual SSN card. I delivered the photo to them and they responded with the same request. This continued until finally, today XX/XX/2024, I emailed them saying I would report them to CFPB. Within minutes I received a text informing me that I was approved for the loan of {$500.00} up to {$1000.00}. I signed the contract after carefully reading it in which I noticed a discrepancy in the interest rate. XXXX XXXX at % 9.57 and FINFIT was % 58. 
I was then asked how I wanted to be funded and the only choice was ACH. I started having more technical difficulties on their end so I called customer service around XXXX. The rep led me to believe she was working for me until she stated that I may need to fill out another application because the date needed to be changed.??? I had to give her my bank account info, she then put me on hold never to return, the phone began to ring and I was then on the phone with a woman with a XXXX  accent who began to ask for my confidential info AGAIN so I just hung up. then a text comes thru saying I CANCELLED the loan, I was depending on this extra cash and all they seem to want to do is sell my promissory note and application without disclosure. I want them audited and I want them to compensate me for my wasted time and injury on top of the {$1000.00} early wage ADVANCE
Product: Mortgage

BB & T did not remove my Private Mortgage Insurance ( PMI ) from my mortgage payment whenever my loan was paid down to below 78 %. I called them and spoke to two employees. XXXX ( employee ID XXXX ) and XXXX XXXX ( manager ). Both of them falsely told me that I had to write in to have the PMI cancelled. It's my understandign the the Homeowners Protection Act states that PMI will be automatically removed from a mortgage when the balace is under 78 % of the original appraisal value.
Product: Mortgage

When we bought our house in XXXX, NJ on XX/XX/XXXX, we took out a mortgage with XXXX XXXX XXXX XXXX in the amount of {$53000.00}. 

The mortgage was sold to XXXX XXXX, and was discharged on XX/XX/XXXX when we refinanced. The discharge was recorded with the county clerk on XX/XX/XXXX, but was recorded incorrectly referencing the book and page number of the new mortgage that replaced it, instead of the old mortgage that was being discharged. 

XXXX XXXX was later acquired by Bank of America. 

When we sold our house in XXXX, the problem was discovered and the problem was reported to Bank of America 's on XX/XX/XXXX. 

In the meantime, we had to agree to place the proceeds from the sale of our home in an escrow account until the mortgage was properly discharged in order to close on the sale of our home. Not being able to access the home sale proceeds caused considerable hardship for us. 

Bank of America took until XX/XX/XXXX to determine that the original mortgaging company was out of business, and that they would have to get legal help to obtain the lien release. This was communicated to me in a letter on XX/XX/XXXX. 

It is now a year later, and there has been no movement with our case. There has been numerous respectful attempts to find out more about what is happening, but with little success. XXXX XXXX, a XXXX XXXX XXXX - Home Loans also tried to help find out more, and told me that the case had been escalated to her management. I was not able to get any further updates, and she stopped responding to my emails. 

I contacted the Superior Court of New Jersey to get an indication of how long cases generally took to get resolved, and was informed that the normal time for a motion to be heard was 1 month, so the delay does not seem to be due to waiting on the legal system.
Product: Credit reporting or other personal consumer reports

Subject : Intent to Litigate Due to Inconsistent Reporting and Verification of Account Status by XXXX XXXX Across Credit Bureaus : I am writing to file a formal complaint against XXXX XXXX for their inconsistent handling and reporting of my account status across different credit bureaus, and against TransUnion for verifying inaccurate information provided by XXXX XXXX. This issue is in line with the behavior noted in CFPB complaints # XXXX, # XXXX, # XXXX, and # XXXX. 

Description of the Issue : XXXX XXXX has inconsistently reported the status of my account to different credit reporting agencies, notably informing TransUnion that my account status was 30 days late, while XXXX records show an updated status to " Current, Never Late '' after a investigation dated XX/XX/year>. This was detailed in a previous CFPB complaint against XXXX XXXX and XXXX ( CFPB Complaint # XXXX ), a copy of which I have included for your review. In CFPB Complaint XXXX against XXXX XXXX and XXXX, XXXX responded XXXX " Per your request to conduct a reinvestigation, we contacted the data furnisher to verify the accuracy of the information with which you disagree. The data furnisher responded, and the account has been updated on your credit report to reflect as " Current, Never Late. '' The discrepancy clearly suggests improper data management by XXXX XXXX 

XXXX XXXX : Due to the significant damage caused by these reporting discrepancies to my credit score and overall financial reputation, I am exploring legal options to sue both XXXX XXXX and TransUnion. My intention is to use all evidence, including the inconsistencies and outcomes of previous complaints, to hold these entities accountable for their actions, which I believe constitute gross negligence and potential violations of the Fair Credit Reporting Act ( FCRA ). 

Resolution Sought : Immediate Correction of Records : I urge TransUnion and XXXX XXXX to perform a comprehensive reinvestigation of my account and correct any inaccuracies, ensuring that all bureaus reflect my account as " Current, Never Late. '' Explanation and Documentation : I request a detailed explanation and corresponding documentation from XXXX XXXX regarding their reporting criteria and practices across different credit bureaus, along with an explanation from TransUnion on their data verification processes. 
Preventive Measures : Both XXXX XXXXXXXX and TransUnion must implement stringent measures to ensure the accuracy and consistency of consumer data reporting across all credit bureaus, to prevent such discrepancies in the future. 
Conclusion : I am prepared to use the evidence of inconsistency in reporting and verification, detailed in my previous and current complaints, in my legal proceedings. These actions have significantly harmed my financial integrity and unfairly impacted my creditworthiness. I expect a prompt response and appropriate resolution to this issue as I proceed with my legal preparations. 
Thank you for your attention to this urgent matter. I look forward to your assistance and a swift resolution.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I had contacted a bitcoin broker. They claimed that they will would trade my funds and make a decent profit. They claimed that i need to invest additional money which would yield a larger return and cover the fees to cash out the money from my account. At this point i sent {$800.00} to invest. I was then told that the transfer into my account failed and they claim i would need to pay an additional {$1000.00} in fees and would yield a really big return. At this point i realize this is a scam and did not send additional money. They kept trying to push for me to send them money. I kept asking for my initial investment to be returned and to take the fees out of my profit. At which point i was told that they could not do that. It is not their policy. They kept trying to convince me that this isnt a scam and to provide them extra funds and it would be worth my while. I kept asking for my initial amount back and was told no. I dont want anyone else to fall into this trap.
Product: Credit card or prepaid card

On XX/XX/2021, a purchase was made at XXXX XXXX XXXX, a jewelry store in XXXX, FL for over {$18000.00} using my chase business credit card. I was not in XXXX, FL on that date and I didn't make the purchase. 
I learned about the fraud on the same morning and contacted Chase immediately to alert them. I also called the merchant to alert them as to what happened. 
Later that day I received a phone call from a XXXX XXXXXXXX with the XXXX County Sheriff 's Dept., who interviewed me. He told me that a police report had been filed by the merchant and gave me the case number. I then called Chase and gave them the Police report number and the detective 's number. I requested a call-back from the investigations team - but no one from that dept. reached out to me. 

On XX/XX/XXXX, I called Chase back and they informed my fraud claim was denied. They informed me that they did not call the merchant or the sheriff 's department. I asked them to re-open the case and to communicate with the merchant and the police. I requested a call-back from the investigations team, but no one from that dept. reached out to me. 

On XX/XX/XXXX, I called Chase back and they informed me my fraud claim was denied again. Once again I was told that they hadn't reached out to either the Sheriff 's Dept. or the merchant. I asked for a call back and once again, nobody ever called me back. 
I then sent a certified letter per the Fair Credit Billing Act alerting Chase to the fraud formally. This was within the XXXX day limit per the XXXX 

On XX/XX/XXXX, I called Chase back and was informed that my fraud claim was denied once again. I was told this time that the investigations unit called the detective at the Sheriff 's dept to request the police report but were told that the Sheriff 's dept. would not provide it due to confidentiality. This was a lie. I spoke with the detective today and he told me in no uncertain terms that nobody from Chase had ever contacted him. Furthermore, a police record request would not be denied to anyone for confidentiality reasons, as they are public record - and anyone can request them. 

On XX/XX/XXXX I called back and spoke with a XXXX with Chase. He informed me that he'd make a note of this and have the investigations team call me back. I have no faith at this point that anyone from the investigations team will ever contact me. 

Chase is wrongfully denying my fraud claim without doing the bare minimum of investigation. They are stonewalling me, hoping to recover the XXXX XXXXXXXX from me. They lied to me about contacting the sheriff 's department. They lied to me about requesting a copy of the police report and being denied that request by the sheriff 's office. They have consistently told me that they would reach out to me and never have - not a single time. Everything I know about my case is because I have learned by calling their recovery unit. There is no way to communicate with Chase 's investigation unit.
Product: Credit reporting

I do n't know why its taking Equifax so long to send me a copy of my new credit report. I requested an investigation on XX/XX/XXXX, and they never responded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. Equifax shows {$6500.00} and closed and XXXX shows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law.
Product: Credit reporting or other personal consumer reports

This address is not associated with me and should not appear on my credit file. 
I have never lived at or been associated with this address, and its inclusion may negatively impact my credit history or lead to confusion.
Product: Checking or savings account

Wells Fargo charged me XXXX overdraft fees. XXXX XXXX fees on XX/XX/XXXX and XXXX on XX/XX/XXXX. They are stating there is no overdraft fee on XX/XX/XXXX when you can see on my account but they dont see it
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block INC ) due to inadequate costumer service & unfair practices, which violate the consumer financial protection act. Specially Cash App failed to take timely & effective measures to prevent & address fraud on there platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) & regulation E. These actions have caused significant inconvenience & financial loss, & I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

My complaint goes back 2 years but I will limit it to what has happened since XX/XX/2021. I paid through citi banking portal, XXXX  on XX/XX/XXXX, XXXX The check wasn't cashed until mid XXXX. I wrote a check on XX/XX/XXXX to XXXX and as of XX/XX/XXXX it had not been negotiated and I stopped it and reissued another one on XX/XX/XXXX and as of XX/XX/XXXX, it has not been negotiated. I wrote another check on XX/XX/XXXX for XXXX for XXXXXXXX XXXX insurance payment, I pay bi monthly, and as of XX/XX/XXXX it has not been negotiated. It took two months for XXXX 's payment to be negotiated, I stopped a XXXX check after 2 months because it had not been negotiated, and now I sit 5 weeks hence from writing the last payment and it has not been negotiated. 
I have written, called, complained about XXXX, but I have also attempted to get citi to ascertain why the payments are not being negotiated. I received this from XXXX, Dear XXXX : This letter is in regards to your recent premium payment. This payment was not honored by your bank. Your policy has been terminated as of XXXX We truly value your business and want to thank you for choosing XXXX XXXX XXXX If you have any question, or we may of assistance to you in any way, please feel free to call. Customer service department toll-free XXXX. For your convenience, secure onlline access to your account is now availablle through XXXX XXXX  for Members. Please visit our website at XXXX sincerely accounting deptartment. 

I called citi and asked for help in this matter and was told they could not help. I found citi 's ceo idenity on the internet and sent complaints about this to her. Subsequently someone from citi left a message and a number to call, I have called it for several days up to 50 yes 50 calls at a time and I get no response.

My insurance is cancelled, my future medical appointments are in jeopardy, because communication between the bank and the payee is virtually non existent and neither one are rendering the services they puport to deliver. Either citi isn't paying XXXX or XXXX isn't cashing the checks sent them on my behalf by citi. citi won't help me find out which, so I am filing this complaint wanting the outcome to be some assistance from citi bank.
Product: Debt collection

My lawyer, XXXX and Law in XXXX XXXX, did not fulfill duties or of process or communication with XXXX After settlement-one bill arrived and XXXX notice. XXXX contacted me at my former employer via company phone, I offered a payment that fit my budget and was told it was n't enough and legal action would be taken. They hung up. The hospital would n't work with me to set up payment plans ( which they had accepted XXXX or XXXX before this occurred ). I transferred my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Ally Financial. I was a victim of XXXX discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open account with XXXX XXXX XXXX XXXX, they had a wrong address on file for my account it was a Virginia address, while I was living in North Carolina. I had to call them and let them know I never stayed at that address they had on file and had to get it changed. 

In accordance with the fair credit reporting act 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a letdown! My pleas to have the challenged fake accounts and information removed from my credit file have been ignored by the credit reporting agencies. According to Fair Credit Reporting Act section 605b, the credit reporting agencies must verify and remove the disputed accounts and information that were opened as a result of identity theft. I personally contacted the Data Furnishers to ask about the disputed accounts and information, and they responded by demonstrating that they were inaccurate in some way. Yet you are claiming that the disputed items are legitimate and verified! This behavior clearly violates Section 605b of the Fair Credit Reporting Act and is illegal. Before I have to resort to legal action, I am submitting this CFPB Complaint to request that you abide by the law and remove the disputed accounts and information from my credit file. I once again request that the following entries be deleted as quickly as possible from my credit file : 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 XXXXXXXX Balance : {$0.00}. 

The Credit Bureaus asserted that the disputed accounts and information are mine and have been validated, but they have not sent me copies of any documents with my signature on them or any proof of verification. The challenged accounts and information were inaccurate, which was confirmed by the Data Furnishers themselves. I require the immediate deletion of any contested accounts and data from my credit file.