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

Had bank account at XXXX XXXX with {$24000.00} in it. Requested a cashier 's check for same amount on XX/XX/XXXX. Deposited the check in my Chase account for same amount via mobile deposit app. Later found that Chase credited only {$21000.00} because the XXXX in the check amount is not as clear as it could be and could be misread as a XXXX instead of a XXXX. Clearly Chase should not have accepted the check for an amount different from the amount I entered online. I then had multiple contacts with the branch and they agree that Chase processed the incorrect amount and said I had to file a claim. I filed multiple claims and provided whatever information I could and yet they continue to deny my claims. After the second claim was filed Chase did deposit the {$3000.00} on XX/XX/XXXX but then reversed that credit on XX/XX/XXXX. I also contacted XXXX bank who says that they processed the correct amount and credited the full {$24000.00} to Chase. My last contact with Chase was last night ( XX/XX/XXXX ) from the " escalations '' department, who stated that my most recent claim was once again denied and they provided no reasoning for this. I am extremely frustrated and do not know where to turn when a big bank is taking my hard earned money from me. I am hopeful that you can assist me in recovering my money. Thanks so much.
Product: Credit reporting or other personal consumer reports

I submitted a request to have some information validated on my consumer report and based on the response from the credit reporting agency the information remains in the report because it meets the requirements under the FCRA and is still incomplete and inaccurate. According to section 611 of the FCRA it is very clear that " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information '' the information on my report is still incomplete and has multiple discrepancies and has not been properly investigated according to the FCRA standards and is affecting my credit standing and my mode of living. I am requesting to have the name and title of the person who has certified the information during the reinvestigation, validation of the dates and amounts the account number and proof of certifying information and payment history. I am requesting that Experian conduct a NEW reasonable reinvestigation by way of the information that was provided to them in my letter that was sent to them and attached this complaint. This is unacceptable and harmful reporting since it is damaging to my credit worthiness, credit standing and my mode of living. I am not able to get the best rates on a home I acquiring due to negligent and unethical reporting. This is definitely against my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit reports from all three major credit bureaus, I have noticed that the late payment months do not match, which has resulted in a negative impact on my credit score. 

I believe this discrepancy is erroneous and has led to an inaccurate portrayal of my credit history. I maintain that I have made timely payments to the aforementioned creditor during the period in question. The conflicting information across the credit reports has caused undue hardship in my efforts to secure loans and other financial services. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate this matter and remove the inaccurate late payment entry from my credit report. I have attached copies of my credit reports from all three bureaus, highlighting the discrepancies for your reference. 

As per the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving this dispute. I request that you promptly communicate with the creditor in question to verify the correct information and rectify the inaccuracies in my credit report.
Product: Mortgage

Wells Fargo apparently has weak internal controls and accounting systems. Their mobile app indicated a transaction of {$7000.00} from XX/XX/1999 is pending which prevented access to my home equity line of credit. As a result of their poor systems and lack of controls, my {$15000.00} check did not clear with a vendor causing me much embarrassment and hardship during my construction project. This is a bank that has repeatedly hurt their customers over and over again and I wish you guys would make them get their act together.
Product: Money transfer, virtual currency, or money service

I have had an issue with PayPal since XXXX of 2021. Someone is using my personal information such as my name, email address, and phone number to use a PayPal account. It also seems my credit/debit card information was stored there as well. Again, I do not have an account, but various charges have been made using that PayPal account with my personal and payment information on it. I have called - multiple times- to try and resolve these issues. Their support blows, as its filled with a bunch of XXXX and XXXX overseas outsourcers that have no idea what theyre doing and frankly shouldnt be employed. I have filed police reports and theyre still under investigation since my bank pretty much said to resolve this with the merchant or company that Im having this issue with. I am owed a total of {$870.00}, as those are the charges I see on my bank account that were made.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX XXXX there should be no other variations of my name delete them immediately this is causing me to be denied for credit which is a violation of my civil rights and could potentially cause me to sue. My address should only be XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX this is the only address authorized to receive any mailings and my only address I authorize anyone to use. Any other address are incorrect and not mine delete them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request that the company offices provide me with competent evidence that I authorized them to pull my credit or else remove the account from reporting on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I sent am email to Explore Credit letting them know they no longer have permission to automatically deduct my payment and I would call later to discuss Received an email back asking me to share why I am thinking about stopping my payments ( my email was clear to stop the payments not that I was thinking about it ). 
I did not respond. 
Received an email from Explore Credit on XXXX stating : This is a friendly reminder regarding your request to stop automatic payments will expire soon. To ensure proper verification we are asking for the following : 1.Full Name 2. Reason for Revoking automatic payments 3. Selfie Holding you ID 4. Last 4 of checking account 5. Alternative Payment method.

Once we receive this email with the information we can permanently stop payments. If this email is not received within 14 days of your request, your account will revert to original automatic payments. 

On XX/XX/XXXX they deducted from my account for {$77.00} ( not sure why ) then sent me an email stating we just received your payment of XXXX and you have also accumulated XXXX loyalty points. 
My understanding, I only need to send an email telling them I know longer give them permission to automatically deduct my payment for the payments to stop.
Product: Credit card

I am the victim of fraud. Someone managed to charge close to {$3000.00} on my citibank credit card between XX/XX/XXXX and XX/XX/XXXX. As soon as I became aware of this, I disputed the charges with Citibank. Within about a week or two, Citibank denied the investigation and said I was responsible for the fraudulent charges. This card has never left my apartment and is locked in my desk and never used other than for a few small bill payments. Upon several calls to Citibank customer service, there help is completely worthless. Most of their representatives can barely speak English and often hang up in frustration. Citibank bank has taken a total of {$1500.00} in payments from my bank already to pay for the fraudulent charges. These charges were all over the country and in restaurants and places I have never heard of or been to. I will copy the largest charge here. This fraudulent charge was allegedly made at a XXXX dealership in a place I have never heard of or been to " XXXX OF XXXX XXXX XXXX XXXX FL XX/XX/XXXX Disputed on XX/XX/XXXX {$180000.00} Your dispute is resolved and no credit has been issued Our investigation is complete and a fraud credit will not be issued to your account. We recommend that you review your transaction history to see if the merchant already posted a credit for the transaction before reaching out to us for any questions. If you still need more information on the decision, you can contact us at XXXX ( TTY XXXX ). ''
Product: Mortgage

I have my mortgage through NewRez financial. They used the wrong parcel number in paying our property taxes through escrow, and did not notify us. I received a notice from our county that our taxes had not been paid, and that a lien would be placed on our house. 

I have reached out to NewRez for two weeks to resolve this, with no progress. They are not sharing any information, and they have not connected us with the appropriate departments to get this resolved. 

We have had significant interest added to our tax bill due to their error, and we are very concerned about resolving this issue before a lien is placed on our home. 

I have also reached out to corporate leadership as a last ditch effort to have this addressed.
Product: Credit reporting or other personal consumer reports

i recently viewed a copy of my credit report and noticed there were fraudulent accounts on the report. these fraudulent accounts are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I converted a XXXX XXXX XXXX, filed in XXXX, to a XXXX XXXX in XXXX. In the process my lawyer, in error, filed a new XXXX XXXX case. The court immediately dismissed this case because it was filed in error. It should never have been filed and it should never been added to my credit report. Now I have XXXX bankruptcies showing, one discharged and one dismissed. The dismissed one I have disputed numerous times with Experian and XXXX since XX/XX/XXXX. With those disputes I have included a letter from my attorney and the XXXX XXXX XXXX stating this case was a clerical error. Both Experian and XXXX refuse to remove the dismissed bankruptcy. Both instructed me to obtain the XXXX XXXX XXXX and they could remove the bankruptcy. However, when I provided the document both refused. Due to their refusal to remove the inaccurate case, creditors began attempting to collect on accounts discharged in the accurate bankruptcy. I have spent almost a year getting these creditor accounts straightened out due to Experian and XXXX outright refusal to fix what I have proven to be incorrect. I have disputed online and over the phone numerous times. This bankruptcy must be removed.
Product: Mortgage

My husband lost his job and only received one month of unemployment benefits. During this period we reached out to our lender XXXX to see if they could offer us a modification. They sent us an application and we received a letter dated XXXX/XXXX/XXXX and our new trial period plan would start on XXXX/XXXX/XXXX in the amount of {$1200.00} which is a difference of {$340.00} from the original payment of {$1600.00}. We completed the 3 month period and would call XXXX on the status of the modification with XXXX XXXX the relationship manager for the loan account. She indicated to us to continue making the {$1200.00} payment and just just waiting for the final docs. We continued making on time payments up to XXXX XXXX a total of 9 months. We did not receive a call from XXXX just a letter stating " Interest Rate and Payment change schedule from 2 % to 4 % on XXXX/XXXX/XXXX in the amount of {$1600.00} and on XXXX/XXXX/XXXX to 4.75 % {$1700.00} P & I only! That is huge difference of over {$500.00} a month compared to the {$1200.00} included taxes and insurance. The reason we not got the final was they were waiting for the rate to take affect which we were not aware of but they XXXX should have complied with what they offered us in the first place to modify our loan. We are currently 11 months behind at the present moment. XXXX has since transferred the loan to Rushmore Loan Management services which they have failed or deny our modification because of our income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Disputed this Account the XXXX XXXX Account is Inaccurate and Fraudulent Information reporting on my credit profile The dates and account status is inaccurate. I Am Seeking Litigation From This Account. XXXX XXXX is still reporting miss leading information on my credit report. This account was sold to another company. So why is XXXX XXXX steel reporting information about this Account I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed
Product: Credit reporting or other personal consumer reports

The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 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  Additionally, I am writing to address specific discrepancies on my credit report that align with billing errors as defined under XXXX XXXX Code XXXX ( b ). These errors fall into the following categories : Failure by the creditor to accurately reflect a payment made by me or to properly credit my account on the statement. 
A computational or similar accounting error made by the creditor on the statement. 
I believe that the creditors failed to provide me with a billing statement at least 21 days prior to the payment due date, which would invalidate any claims of late payment under the law. I am requesting concrete evidence from the creditors ' bank records to verify their assertion that I failed to make a payment. Any resulting designation of " late payment '' is likely the result of an invoicing error. 

Therefore, I respectfully request that the entries for the accounts listed above be promptly updated on my consumer report to accurately reflect their status as " paid as agreed. ''
Product: Debt collection

Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), Wells Fargo Bank , N.A . ( WFBNA ) has failed to provide any response. According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, Wells Fargo Bank , N.A . ( WFBNA ) is legally obligated to ensure the accuracy of the information they report to credit agencies. However, they continue to report inaccurate information, which is significantly impacting my credit rating. This disregard constitutes willful negligence under the law, and I am prepared to pursue legal action to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00}. 
XXXX XXXX  ( Original Creditor : XXXX BXXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I needed help on getting loans cancelled by XXXX who is now closed. The company stated that they could n't help me and asked me to continue to pay those loans. No other help was given. Suggested that I defer loans instead but failed to tell me about interest accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used to open a XXXX XXXX ( Account # XXXX ) on the date of XX/XX/XXXX. This account is fraudulent and is not mine. This information is listed on my Experian credit report # XXXX. 
My personal information was included in the data breach with XXXX XXXX XXXX in XXXX. I was notified by XXXX that I was eligible to receive compensation and that I could dispute and have the negative items removed, this never occurred. I have filed a report with the FTC # XXXX on XX/XX/XXXX. I submitted it to Experian and to the other bureaus and they have not removed it. I submitted pertinent documents that they asked for like my social security card and my driver 's license and still they did not assist with the removal. I have included the information that they asked for in this complaint. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 requested credit correction fraud alert freeze security release asked the hard inquiry be removed along with my address being corrected. I filed a police report and sent it to them as proof and requested the credit report be updated they refused
Product: Checking or savings account

I gave an online love interest my personal information including my social security number, my birthdate, family information including security questions, and address. I'm going to be receiving S.S.D.I benefits starting XX/XX/2021 and am concerned about it's security with this person who has my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor. XXXX XXXX XXXX The account was paid and they are removing the chargeoff status to all 3 credit bureaus.
Product: Credit card or prepaid card

Hello, I have had a complaint with Capitol One for 4 months. I submitted the complaint on the CFPB website on XX/XX/2021 ( Complaint ID : XXXX ) on XX/XX/2021 Capitol One responded with a letter detailing the issue and the resolution which was to credit me {$95.00} via check mailed within 15 days of issue. I have since spoken at least 20 times with Customer Service trying to find when the check will be mailed. Every time they stated for me to keep waiting a couple more weeks. I waited XXXX and a half months until I called again and was told they can not send me the check. I have attached the letter and would like to reopen my complaint on Capitol One for not completing what they said they would do on the letter sent to CFPB as a resolution for Complaint XXXX. 

Thank You for your help XXXX XXXX
Product: Debt collection

I have had nothing but problems with this creditor since I opened my XXXX XXXX and XXXX XXXX cards. I recently closed them because I explained I was on unemployment due to the pandemic. It took 4 weeks for me to finally receive my money yesterday. 2 days after the due date, I was ready to pay the accounts in full, when I went to do so I saw that I was charged 2 more {$40.00} fees at this point they have charged me almost 3 times what my {$300.00} limit is in fees. Literally every other credit card company and bank I deal with has worked with hundreds of customers including me by changing policys to adjust to what is happening with this pandemic, I have not been charged a late fee by any other creditor during this pandemic while struggling to make payments, only with this creditor. I was also threatened with adverse actions against my credit for being effected by the pandemic.
Product: Debt collection

This company put several collections on my credit report and I was able to dispute them and have them removed however a few months later two more accounts pop up and I have not been to any hospital or doctors office in years and the last time I did was in 2010 and everything was under workers comp