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

Chase closed my mothers account and now is holding her fema check. chase states they need verification from treasury department in which we have called fema us treasury and finally were give a number where they can verify in which chase states they called but no verification. i dont get why we are having so much trouble with my mothers fema check when there are real scammers out there and dont get asked all of this. 
Check was given to my parents for damages to their house from recent XXXX texas storm we have not been able to fix it to make it livable for them with all of this. Been trying to have this resolved since last week one day was about 12 hours back and forth with fema chase treasury. Today it has been 6 hours and same thing back and forth with chase fema treasury and state of texas.
Product: Debt collection

Repeated calls, initiated first by me to request evidence of debt, and after investigating all entities related and with whom I have a business/contractual/legal/financial relationship, and after obtaining verification of no such debt that these parties acknowledged, but the contrary, have been made. I received the third this morning ( XXXX XXXX, XXXX  ). 
I have warned this company that I will pursue criminal accusations/filings if any such calls are further received, at least twice -- maybe three times. 
I investigated immediately after receiving a mailing. This was several weeks ago -- early XXXX, XXXX? I believe this to be a roughly accurate date by recollection. I did not expect further calls -- I warned this operation in no uncertain terms in each phone dialogue. 
I was stiff-armed. 
I have important business to attend to, and these disturbances are more than unwelcome. 
I request that this operation, once again, cease and desist if they can not provide formal evidence of a debt. So far it has not done so, despite my requests on the phone. 
I believe this to be at the least, thoroughly incompetent. But it is more than this -- I will claim it is standard, and now common, fraudulent practice in hopes of being paid a debt not owed. 
I do not care what the internal causes and malpractice entail. I will pursue criminal charges at state and federal levels, and further back these with formal evidence if the authorities choose to pursue this matter/case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2020 XXXX : ACCOUNT NUMBER ENDING IN XXXX DEAR XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. This letter is in response to your communications regarding the above-referenced account. 

Per your written request, we have closed out your account. This account will be reported to the credit Reporting agencies as CLOSED AT THE CONSUMERS REQUEST with a XXXX balance. 

If you have additional questions, please call our Customer Service Center at XXXX between XXXX XXXX 
And XXXX XXXX. Monday through Friday, or between XXXX XXXX and XXXXXXXX XXXX on Saturday and Sunday ( Pacific Time ). 


Sincerely, XXXX XXXX XXXX  AS OF THIS DATE THEY HAVE CLOSED THE ACCOUNT BUT STILL REPORT A BALANCE TO ANY CREDIT REPORTING AGENCYS AS THIS BREIF LETTER STATED THE ACCOUNT WAS CLOSE AS PER MY REQUEST AND THEY STATED THAT THE ACCOUNT IN QUESTION HAD A XXXX BLANCE. THE REASON FOR CLOSING THE ACCOUNT THEY UNLAWFULLY CHARGED DURING THE SAME MONTH A LATE FEE AND OVER THE CREDIT LIMIT FEE, I POSTED A PAYMENT EARLY IN THE MONTH BEFORE THE MIMIMUM DUE DATE WAS PENDING ON THIS ACCOUNT AND THEY STILL CHARGED ME BOTH FEES THUS THATS WHY I ASKED THE ACCOUNT TO BE CLOSED AS SEEING i ONLY DRAW SSI EVERY MONTH AND COULD NOT AFFORD THAT MUCH MONEY ON A XXXX DOLLAR CREDIT LIMIT CARD. PLUS I HAD TO PAY AN ANNUAL FEE OF OVER XXXX DOLLARS.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX : Refinanced my HELOC about 4 years ago. They represented it as a 30 year fixed loan for about $ XXXX. I asked for a letter confirming this and got it. 
About 2 months ago, Flagstar Bank XXXX XXXX notified me they had possession of the loan and I was to repay them. No one knew anything about the 30 year fixed loan from XXXX. Weeks later I got a notice to pay $ XXXX in back interest on the loan. I protested and they backed down. Now they 've decided the full amount $ XXXX or so, is due on XXXX XXXX, 2016. They declined my request for a refinance. Something is very wrong here. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an apartment by the name of XXXX  thats is showing up on my credit report as well as a company by the name of sure deposit ..I disputed this with both credit bureau and company and it hasnt been solved.. I have never reside at this place called XXXX..Also a company by the name of XXXX XXXX   XXXX XXXX and sure deposit..which is been serviced by XXXX XXXX XXXX XXXX is on my credit report.. which I have no idea or affiliation with these companies..
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX  I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXXwith a balance of {$65.00} that appears related to the aforementioned XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized credit inquiries on my credit report. I have recently reviewed my credit reports from Equifax, TransUnion, & Experian and noticed inquiries, that I did not authorize. I have never applied for credit or requested any information from these companies and I have no recollection of authorizing these inquiries I request that you remove these unauthorized inquiries from my credit report immediately. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the attached documents in the mail today. This is the 2nd time that I have received documents claiming a security breach. The 1st was from some eye service business, which I never heard of before & this one is from XXXX, also unknown. Both inquiries included credit reporting agencies.
Product: Checking or savings account

On XX/XX/2023 I received 3 deposits, my VA compensation, and two employers. At which time one automatically came out as it always does on the XXXX or that XXXX  is the XXXX falls on the weekend. I then made a payment to my insurance company and my sons daycare ( this is a normal payment made almost every XXXX  ), also US Bank Home mortgage ( of course they make sure they got their payment but XXXX the rest of your bills ). I lost my card that afternoon. I reported it stolen thru the app. This has happened before and Ive never had an issue. I verified all the pending charges were correct. As of Monday XX/XX/XXXX my account was fine and those charges were still pending. On XXXX  XX/XX/XXXX, the money was back in my account and the transactions reversed. This puts me in a bad position with these companies, I risk losing my insurance, having my loan considered late and having another fee for that, and more than likely getting charged return check fees by these companies. Every representative has refused to look into it or try to help. They either give me the run around, transfer me to someone else without telling me or just put me on hold until I hang up. I already know US Bank is going to come at this with some XXXX  answer. They are a horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my report I do not recognize. I have contacted the companies and they have told me to reach out to bureaus directly because they could not locate the identifiers I provided. 

Companies are : Certified Credit, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Activehours wo n't recognize my most recent paycheck deposit from XXXX17, ca n't seem to figure out why.
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 explanation 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, credit repair services, or other personal consumer reports

I disputed some accounts back in XXXX that I didnt recognize, I watched some videos on XXXX and came accross one that said these accounts need to be reporting 100 % accuraley. Well I disputed them for having multiple FCRA violations and most of them were deleted only to be reinserted without proper notifcation to me. 

These accounts are 1. ) XXXX XXXX Acct # XXXX 2. ) XXXX XXXX Acct # XXXX 3. ) XXXX XXXX Acct # XXXX 4. ) XXXX XXXX Acct # XXXX XXXX. ) XXXX- ACCT # XXXX Now they are reporting as 1. ) XXXX XXXX ACCT # XXXX 2. ) XXXX XXXX ACCT # XXXX 3. ) XXXX XXXX -ACCT # XXXX 4. ) XXXX XXXX ACCT # XXXX 5. ) XXXX ACCT # XXXX There are other accounts that are still reporting erroneously and would love to understand how these reporting agencies can do this without repercussion. They are not above the law. They should be removed off of all 3 bureaus and not just one or the other, If theyre all getting information from the same place they should all be reporting accuratley or removed from all 3! 
Here are the list of accounts that should not be there! 
XXXX XXXX ACCT NUMBER XXXX AND THERE ARE TWO ACCOUNTS WITH 2 BALANCES {$240.00} AND {$310.00} XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX
Product: Credit card or prepaid card

We used to live in XXXX, TX and took out the Citi AA credit card. Once we moved to XXXX XXXX, we canceled the card and closed the account in XXXX XXXX. A month later we got a bill from the company saying there was a charge on the account, even though we canceled the card the month prior. Citi disputed and reversed the charge, however, they never removed the carry-over interest. As a result, we accumulated late fees on the {$2.00} of interest that was never reversed, I have called every month after getting a new statement with an additional late charge. I have offered to pay the interest, and even cover one late fee ( since I am dealing with this 6 months later ) just to get them out of my life at this point. It has been extremely frustrating to the point that I agreed to pay two months of late fees amounting to {$63.00} so that I never have to deal with this company again. They said they could clearly see the small interest amount but could n't take off anymore late fees than they already have, even though it was their mistake not to close my account every month I called. I 've felt helpless throughout the entire process, their reps have told me they would take care of it for months and having to pay ( when no amount should be due XXXX to close out a credit card 6 months later is ridiculous, but better than having it escalate further and worse, having to go through the issue with another Citi rep ...
Product: Credit card

I never applied to pay pal credit but a credit inquiry is now showing up on my credid report from XXXXppc i have found many complaints online where they are doing unauthorized credit checks sence i did not authorize a credit check nor applied for pay pal credit i need to have this taken off of my credit report i lost XXXX points do to this error that was not my fault so please how do i go about this my name is XXXX XXXX email is XXXXXXXXXXXX phone number is XXXX XXXX XXXX
Product: Checking or savings account

On Wednesday XX/XX/2020, I used the IRS wheres my payment app to find out when I should expect my stimulus payment deposit to hit my checking account and at the time it showed me the payment was to hit my account that day. I then check my Chase bank app to see if it had, to which I saw nothing. So I want back to the IRS website and looked at the last 4 of the account that it was to be deposited in, the last 4 digits displayed were ( XXXX ), which I realized wasnt mine at ( XXXX ). 

I then called Chase Bank, and waited on hold for nearly 2 hours by I spoke with someone there, they told me I  needed to file a claim, I did that. They told me it would be rerouted into my account in 1 to 2 business which would have been that Friday. It never came, so I called back to find out the status. I was hung up on and given the run around many times. I called my local Chase branch, they took down my information and said theyd call me back that day or Saturday morning never happend. 

I then waiting till that following Monday, to which I waited hours to speak with someone again and they hung up on me. I called back and finally got thru to the claims department, they told me to expect a reroute that night, and still I got nothing. I called to day and was informed theres nothing that chase can do because the deposit was in that persons name and they spent the money and that I needed to take the matter up with the IRS, which is closed due to corona. So Ive received no help. 

I took a picture as proof of the irs website showing the deposit date which the account number my payment was sent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called USAA CREDIT CARD CUSTOMER SERVICE 2 years ago about credit alert that my credit score went down from XXXX to XXXX Representatives told me it was because I used XXXX $ on a credit card that I asked for a low limit to use online because are other card had XXXX $ of available credit We have never had a late payment had XXXX $ in available credit She told me because I used half of the XXXX $ credit limit. We then got in an argument about this I asked to report a complaint and they would put me on hold and disconnect from me this went on for 3 hours. Since then my credit report from experian has been lowered then the rest of companies. Usaa submits charges that are false on my card the credit reports are lowered on my report then my husbands 2 years this has been going on USAA HAS REPORTED THAT WE OWED XXXX $ false on our credit card. We have been so careful with are money I dont feel a representative should be able to do this to someone who has outstanding credit Please make this stop they recently added a XXXX $ charge that was disputed and refunded back on to my credit card to lower the score
Product: Mortgage

I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran, the state & County ( Maryland, XXXX XXXX XXXX XXXX ) have determined I am tax-exempt from property tax. In XXXX ( XX/XX/2023 ), I spoke with Carrington 's property tax department and uploaded the county 's determination of the tax-exempt letter to the link provided by Carrington Mortgage Services . I was informed that the process/review would take 14 business days.

I followed up with Carrington 's property tax department on XX/XX/XXXX to find out they had done nothing to my account. I paid the full mortgage and Escrow on XX/XX/XXXX and was informed by the next billing cycle on XX/XX/XXXX that my account would be fixed and refunded any escrow balance. 

On XX/XX/XXXX, I contacted Carrington 's property tax department again to learn no updates or adjustments had been made. Again, I spoke with a supervisor, and they were unable to answer any of my questions regarding why my account had not been updated. I was forced to pay again an on-property tax which I am exempt from paying. I contacted Carrington again in midXXXX, and no one I spoke with could tell me why I am forced to pay property tax, and I have not been refunded my escrow balance. The service members and supervisors I have spoken to have refused to send me a letter stating they have not processed my tax-exempt status, they refuse to send me any information regarding our phone conversations, and they refuse to allow me to speak with any higher-level management. 

It is approximately a week away from the May billing cycle, and no adjustments to my account have been made. In any conversation with Carrington, I am fed a pre-written comment that they are working on this matter and will escalate it, and the matter should be resolved within 5 business days. This has continued for nearly three months.
Product: Debt collection

I had a car loan from Honor finance was going through a tough time lost job and had a repo. I did not want a repo on my credit so i contacted Honor finance and made an arangement with them to pay back what i was behind on and that i would get the car back. I made my payments every two weeks to catch up i called to make my last payment to honor fiance to get my car back and came to find out the company no longer exists and that they claimed bankruptcy. Due to the bankruptcy my account was reffered to another company called west lake finacial i called them to make my last payment and get my car back to find out from one of there reps that my car was sold in auction and that they had no information of the deal i had worked out with my original company honor finance i am disputing the dept since my arrangements that were set with my original financing company were not followed on there end. I have emails from my original financing company of our agreement and feel as if i was being lied to and cheated out of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX account # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy Court Statement on Credit Report To Whom It May Concern : I am writing to dispute a statement that has appeared on my credit report from the United States Bankruptcy Court. The statement reads : " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly available records. '' While bankruptcy filings may be publicly available records, including this statement on my credit report violates my rights to privacy under the Fair Credit Reporting Act ( FCRA ). 

The FCRA prohibits the inclusion of information on a consumer credit report that does not bear directly upon the consumer 's creditworthiness or credit standing. 15 U.S. Code 1681c specifically states that consumer reporting agencies may not disclose bankruptcy case records after 10 years, as they are no longer relevant to credit decisions.

Additionally, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 states that bankruptcy public records should be treated as confidential and limits their disclosure.

By including this statement referring to bankruptcy records on my credit report, it implies negative information about my financial situation that is not directly relevant to my current creditworthiness. This violates my privacy rights under the FCRA and the Bankruptcy Act. 

I am formally requesting that this statement be immediately removed from my credit report, as it discloses information prohibited under federal law. Please confirm in writing once this has been corrected. 

Thank you for your prompt attention to correcting my credit report in compliance with the Fair Credit Reporting Act and the Bankruptcy Act.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}