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

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

I opened a claim with XXXX  for water damage to my home in XX/XX/2022. The work was completed and the claim was closed, but the lexusnexis comprehensive loss underwriting exchange record say it is still open. This has been affecting my insurance rates and my ability to sign with a new insurance company
Product: Debt collection

The debt collector keeps calling me after I told them multiple times to stop. And they keep calling
Product: Checking or savings account

Ive had PNC Bank for over 25 years, great company.. anyway.. a few years ago with a former job I had the XXXX app set up with my bank, its a credible cash advance app that takes the money back out when u get paid, technically you dont even have to tip them.. XXXX XXXX  was advertising them initially.. very credible.. anyway ... I never had issues with that app being able to put in my credentials to look into my balance/see if my paycheck went in/see if their charge went through also.. I got a different job and got that set up again.. and for some reason it keeps saying that my bank made a change that doesnt allow me to link my accounts? I contacted PNC, got transferred to a department more knowledgeable of this situation.. its not them apparently ... but the app says my only other chance is to contact you, cuz it could be you guys blocking immediate access for my own security.. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called trans union, XXXX, XXXX to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a bank merger between XXXX XXXXXXXX XXXXXXXX and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX. As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. 
This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.
Product: Credit reporting or other personal consumer reports

I urge you to carefully review this complaint, as it highlights a critical issue with my credit report. It contains mixed information, including accounts, transactions, and items that are not mine. This ongoing problem has caused me considerable stress and XXXX, as it raises serious concerns about the accuracy of my financial records.
Product: Credit reporting, credit repair services, 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 XXXX Balance : {$950.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$34000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

this is about the late payment still on my report that XXXX XXXX  said they were gon na remove via arbitration settlement and has not been resolved as per our contract! since XXXX and my account it still shows that I have a late payment in XX/XX/year>. They assured me they would contact the bureaus and have it removed but it is still on my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. The following accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022.
Product: Checking or savings account

I'm filing a second complaint because chime is refusing to investigate my claim. I have filed XXXX rebuttals only for them to be denied. After doing some digging it was found out that chime doesn't actually investigate a claim if it's over a certain amount which I think is absolutely ridiculous. I'm a single mother of XXXX children XXXX of which is severely handicapped so therefore I do not work. On XX/XX/XXXX over XXXX dollars was unlawfully taken from my account I provided chime with a written statement and a police report thinking that with these items they'd get my money back nope that's not the case. Like I stated earlier after doing some digging it was found out that they never reached out to the companies in question to initiate a chargeback or even bother to investigate which is absolutely disgusting. I filed a dispute with another bank of mine for the exact same reason and got my money back. But chime has just been giving me the run around. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XX/XX/year> Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute the accuracy of an account listed on my credit report. The account in question is from XXXX XXXX XXXX, with the account number partially displayed as XXXX. Upon reviewing my credit report, I have identified inaccuracies related to this account that I believe are erroneous or misreported. 

The following details are disputed : XXXX. XXXX XXXX : The report states that the account was charged off with a past due balance of {$1700.00}. I dispute the accuracy of this status and request verification of this information. 
XXXX. Payment History : The reported XXXX payment history incorrectly reflects delinquencies that I do not recognize. I request an investigation to validate these records. 
XXXX. Balance & Credit Limit Discrepancies : The balance reported exceeds my credit limit, which XXXX be an error. Please verify the accuracy of these amounts. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and either correct or remove any inaccurate or unverifiable information from my credit report. Please provide documentation verifying the validity of the reported details or remove the disputed items. 

I have attached a copy of my credit report with the disputed account highlighted, along with any supporting documentation I have. I expect to receive written confirmation of your findings and any corrections made to my report. 

Thank you for your prompt attention to this matter. Please respond within the XXXX timeframe as required by law. If you need further information, feel free to contact me at the provided details. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB, I am a loyal Discover Card Holder since XXXX. Within the last 5 years, I have started a family and purchased a house. So daycare, mortgage, and home maintenance expenses have been the highest expenditures every month. To make ends meet after emergency room visits or storm damage deductible/repair bills I have for the first time in life needed to carry a balance over from month to month. 

This past year was bad ( for me ) and I carried a balance for 10 months straight but finally got a family loan to help me stop the interest charge on our Discover card. The fine print on our monthly statement reads : " Paying Interest : ... We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. " I had a balance of {$6000.00} from only " Purchases '' on my XXXX bill and over paid XXXX. ( Full disclosure : I still have automatic monthly payments happening on the CC like insurance and cell phone, so there is always a balance ). Then on my XXXX statement I was charged interest of {$41.00}. When I called Discover to ask about the interest, even though I paid over, the representative then told me only if I pay off the total balance 2 months in a row does the interest stop. THIS should be the language on the statement. It is misleading and predatory. 

I asked them to please help me out with the interest so I can start XXXX off interest free. They did remove the charge but the language needs to be changed on the statement. 

I love Discover and the only reason I make this complaint is I want them to be the best credit card out there competitive with XXXX. 

Please address this with Discover because others who are not so lucky to pay off a balance with a family loan will be stuck in this interest trap for many years.
Product: Money transfer, virtual currency, or money service

My PayPal account has received a cash withdrawal email notification after 180 days, but I can't linked to the bank and withdraw cash now. I have contacted customer service representatives many times, but the problem has not been resolved. Please " CFBP '' help me
Product: Mortgage

I am in the process of buying a new home. I had a foreclosure several years ago. My lender has requested a satisfaction letter from Chase Mortgage.I called them on XXXX XXXX and requested the document and was told it would take between 5 and 15 business days to get the letter. As of today ( XXXX ), I can not get that letter I need and now I ca n't get anyone to call me back. I already lost one house and had to eat the inspection fee and the appraisal fee because of this missing letter. I have a new house under contract and need them to provide the letter immediately. I am at their mercy right now and I need help.
Product: Student loan

Said I have 3 months to stay or go and they said the government will help me with the payments I was there for 2 months and I had to drop out due to daycare which they also said I will be helped with also on my credit report I have debris disputes about the same account
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information on CBNA. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : CBNA XXXX XXXX {$1900.00}
Product: Bank account or service

I 've recently put a stop on a business check, and just to double check it 's in effect I called the bank to confirm and the representative told me not to worry, the check is stopped and funds will not be disbursed. XXXX days later, while checking recent transactions I saw that check amount being disbursed! I called and submitted a claim to the bank and was told I 'd hear back in a few days. A week goes by no one contacted me back, so I had to call the main hotline and spending over an hour on the line explaining my situation to numerous reps because I had been transferred so many times. Finally I was told it was an ACH wire transfer, and that the check was actually stopped. I was even more shocked and furious because I did not sign any wire transfer papers and this is 100 % fraud! I was told again to wait to hear back. Another week later, this is now 3 weeks nearly a month from the date that I called to stop the check, I still have n't heard back so I called again. After being transferred around again, I was told actually it was NOT an ACH wire transfer but that the check was cleared. My complaint is, why did n't anyone tell me that the check I put a stop to was cleared, and secondly, why is the bank telling me different answers? Is it an ACH fraud or is it a check that was cleared even though I stopped it? And if I stopped it, why was it cleared? I think it 's very neglectful of the bank and their reps are not trustworthy since they ca n't give the same answers back to their customers. I need the bank to admit they actually overlooked and cleared a check that was already stopped, and refund that amount back to my account.
Product: Mortgage

My mortgage company conducted an escrow analysis on my account due to my taxes decreasing there is a surplus due back to me and they are refusing to send me I spoke to representative XXXX agent # XXXX on XX/XX/18 he advised me that the escrow surplus will not issue until 30 days. I advised him I never heard of that before the escrow surplus should be issued when the escrow analysis is completed if the account is not 30 days past due and my account is current. He advised that is our policy I advised the rep that is not Respa policy he stated that is Ocwen policy. I advised the rep I would like to speak with a supervisor he transfer me over to supervisor XXXX agent # XXXX. I asked XXXX to please have my escrow surplus rush XXXX said no it will take up to 30 days for me to receive the escrow surplus I asked her why it can not be rushed she stated it is Ocwen policy and they can not rush it I have to wait the 30 days. I then asked her the name of her CEO she did not know and hesitate to provide the information. I asked to speak with her manager and she told me no non was available to speak with me. This is just crazy. All I am asking Ocwen to rush my escrow surplus and I have to go through all of this mess and have to treated my reps like this I pay my mortgage every month and do not feel like I should be treated like this.
Product: Mortgage

I've tried 5 different phone numbers and their online chat function and online messaging system to get information on loan modification. Always directed to automated system that only provides basic information and circular phone numbers
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 XXXX XXXX Balance : {$290.00} XXXX XXXX  Balance : {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax over 10 times in the course of 1 month to remove " dispute comments '' from a consumer report. Each customer service representative promised it was done correctly and 3 days later the comments would still be there. The process should take 1-2 days total. It took me over a month. The reason to remove the comments was extremely important. I was attempting to close on a mortgage. As you can guess that didn't happen in the time frame I needed and the loan was declined. I had to start completely over with the loan process and loss the bid on the house along with money. This is unacceptable on all levels. The English barrier continues to be a huge issue when calling. The customer service representative doesn't speak or understand English well. This needs to be addressed. You can not allow this to continue happening. Surely I am not the only person who has experienced this issue.
Product: Credit card

My husband got a bill from capital one in his name for a credit card that he did n't have, granted the balance due was XXXX..but our concern was who got a card in his name?? ..He called the fraud dept the next day and was told they were sending out paperwork he would need to fill out.. ( never got that ) ..but 2 weeks later got a balance transfer linked to same account..he called back ( they apologized and said they were sending out the paperwork ) ... never got it! ... today got another balance transfer letter with a DIFFERENT account number from the XXXX XXXX!! .So I called and was put on the phone with a supervisor who cut me off quickly to say she would not speak to me because my name was n't on the account..Well what have you done for the person who did call you XXXX and " These are NOT his accounts either '' ... .So my reply was welp I guess when there is XXXX of dollars spent on these cards..it will be on you..cause I bet you will wan na talk to me then! ... We do have several Capital One Accounts..And will be in the process of switching my credit card company ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The Equifax Credit Bureau is required to verify for themselves, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, but they failed to neither verify nor update me about this complaint. Please update or correct the late payments from this account. Below is the account with erroneous information and need to fix immediately. 
XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, XXXX and Experian have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX and Experian have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX and XXXX
Product: Mortgage

This is my FOURTH time writing in about this scumbag company. Reference complaint IDs XXXX and XXXX. 4 times? What is wrong with these people? Are they being fined? THey should all be FIRED for complete incompetence. My balance is still wrong! After 4 months, complete XXXX  at SPS Servicing. If  everybody was fired here, I'd smile ear to ear. I should not have to complain and waste hours resolving something that I've NEVER had to do in my life. THese people are misrepresenting balances owed which gets reported to credit reporting agencies. That is FRAUD. I'd like to talk  to the head of this company as this is out of control and people need to be fired here to make an example. As of this writing, they still have not applied my XXXX payment to my balance despite having shown they received my payment. They also reflect next payment due on XXXX when in fact it should be advanced to XX/XX/XXXX if they received payment!
Product: Credit reporting or other personal consumer reports

I requested proof of validation of debt from XXXX XXXX ; XXXX. They were unable to prove validation of debt. They have also stated that they will cease collection and ask the reporting agencies to remove the trade lines. I contacted the credit bureaus, and they refused to remove the trades lines. 
The credit reporting agencies that refused to remove the tray lines are Equifax and XXXX. 
Although I received a letter from the credit ( XXXX XXXX ) and provided this to both bureaus. They refuse to remove the trade lines off my report.