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

On XX/XX/year>, my phone, debit card, identification, and credit cards were stolen from my hotel room in XXXX XXXX, LA. In a span of of a few hours the induvial that stole my items were able to spend {$4300.00} in various stores, {$96.00} purchase at a bar, and withdraw {$600.00} from an ATM. I informed Chase of the situation as soon as I could. I filed a claim with them and was denied all except the purchase of {$96.00}. They state that there was no way anyone should be able to use my pin, which is why they were denied. 

I contacted Chase to inform them that my PIN was compromised, but they refuse to investigate further. My concerns here are they approved the claim of {$96.00}, accepting that my card was used in a fraudulent matter, but deny the other claims. I have been a customer for Chase for over 10 years. They have history of my purchases. I have never spent this amount of funds in a span of few hours. I have informed them to do better in their investigation, but they will not take responsibility nor give me their investigation. 

I offered to provide the incident report that has an assigned detective to, but they told me that this can be falsified and not acceptable proof.
Product: Mortgage

My current loan is being serviced by Primary Residential Mortgage ( PRMI ) ( since XX/XX/XXXX ). XXXX XXXX is the lender. 
My statements consistently get to me late each month, just before the due date. Example, for a XX/XX/XXXX due date I received the statement XX/XX/XXXX. This has been the pattern since inception of the loan. I have not been assessed late fees because there is a grace period until the XXXX of each month. 
I have spoken PRMI and was basically told nothing would be done to get my statements to me any sooner in the month.
Product: Credit reporting or other personal consumer reports

I have written and identified myself to Experian about inaccurate personal information being reported on my credit report and inaccurate payment history on an account being reported on my credit report and experience have refused to investigate at this time. It has been over 30 days required by law and they have completely chosen not to investigate my claim..
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After looking at my credit report I noticed That there were a couple of errors that were listed. There was a collection account listed by a company called Portfolio Recovery Asso, in the amount of {$830.00} dollars. I immediately disputed this account directly with the company as well as all three credit reporting agencies, XXXX, XXXX  and XXXX. After only six days I was sent a electronic response saying that this account was accurate and remains with no change. I also Sent out certified Dispute letters to the company over 30 days ago, and have yet to receive a response. I am not sure how this company can continue to destroy my credit with out giving me a explantion of how I owe this. I am requesting that this matter be looked into at a higher level.
Product: Checking or savings account

I went to XXXX  XX/XX/XXXX and I got out XX/XX/XXXX I wrote chime while I was there and told them to lock my account because someone had robbed my house and stole everything bank cards and all they never did and they let someone take all my money and change the address on my card I get XXXX so the social security office is making me pay the money mack that was stolen because it was over payments I have sent chime a police report all of my state of XXXX  paperwork that shows that I was XXXX XXXX and they still will not pay me back can you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX 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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX, 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

I have sent documentation from the judge multiple times to all agencies regarding bankruptcy. 
All were vacated. Transunion has removed XXXX but continue to post XXXX that had the same outcome VACATED. id # XXXX was removed from my credit report however they left the following on my credit report. All were VACATED ... Here are the other XXXX ID numbers associated with the multiple documents sent to Transunion. 
ID XXXX and ID XXXX STILL ON MY CREDIT REPORT AND AGAIN ID XXXX WAS DELETED FROM THE REPORT. MAKES NO SENSE WHATSOEVER.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX - FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX - FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX  - FDCPA Section XXXX Violation Misleading False Reporting - DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNT IS BEING DISPLAYED NEGATIVELY ON MY CURRENT CREDIT REPORT : XXXX XXXX. 

IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT REPORT. THIS ACCOUNT IF FROM XXXX OF 2014 AND STILL AFFECTING ME, I HAVE DISPUTED THIS ACCOUNT PREVIOUSLY SEVERAL OTHER TIME AND NOTHING HAS BEEN DONE. ARE THEY EVEN LOOKING AT WHAT'S GOING ON??? I AM VERY FRUSTRATED BY THIS MATTER AND I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE AND LET IT BECOME EFFECTIVE!
Product: Credit reporting

I was a victim of the inquiry issue with Transunion 's Credit Bureau. I contacted their customer service representatives and they refused to remove the inquiries from my credit report. I wish to have these negative inquiries removed from my credit report. 
These negate inquiries include the following : 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: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report on XX/XX/2019, my information was compromised in one of the various data breaches in our country. I have hired a law firm and given proper notice to the credit bureaus, however the credit bureaus have taken no remedial action.
Product: Debt collection

Credit Management Company continues to call and disrespect me with calls in the morning and calling my jobs. They responded to my previous complaint indicating that they will stop all calls and collection attempts but I am still receiving phone calls.
Product: Debt collection

I was contacted by IQ Data International on XX/XX/XXXX. The first person that I spoke to was XXXX XXXX. She was using aggressive language, yelling, and using talking tactics that appeared they are my only hope and they will take action against me, for a bill that is not mine. I asked to speak to someone higher and she connected me with XXXX. XXXX was kind and I asked him for the mailing address for the company which he gave me ( XXXX XXXX XXXX XXXX XXXX, Washington. XXXX ) I told him that I was going to submit a letter requesting information. I did so on XX/XX/XXXX. In the letter, I requested that the company provide me information on themselves, a copy of an agreement between them and me, and additional information on this supposed bill that they claim I owe. I also requested that they stop attempts to reach me by phone and that I only want to be contacted by mail. I have not received a response from that letter but I did receive my certified letter stating that they accepted and received it on XX/XX/2022 at XXXX am. Since then I have been contacted by XXXX XXXX where I have told her that this is in dispute and that I want to be contacted by mail and not phone. After that call, I was contacted again on XX/XX/2022 at XXXX XXXX XXXX from the number XXXX and again by the same number on XX/XX/2022 at XXXX XXXX XXXX. They are in violation by ignoring my certified letter and contacting me by phone. They need to stop. The debt that they claim I owe is not valid.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, thery are hurting my ability to obtain credit.
Product: Mortgage

XXXX loan servicing never sent my refund check in the alotted timeframe the law provides. I have called multiple times over and over and over. I was promised that the payment would be overnighted. It never was. I called back and they gave me a random number, they called a tracking number. XXXX It was not a tracking number. XXXX could not find who the check was sent through. She said maybe USPS, XXXX  or XXXX. I searched the tracking number on each service and none of them came up. She then told me she doesn't know if it is an I or an L. She made up a random number for a tracking number and the check was never overnighted or sent out. This happened before where they told me and promised me that it would be overnighted. It came over a week later in the regular mail. This is alot of money. This was my food money for the month. I have had to go to the food bank, who only was able to give me enough food for my daughter. I have not been eating all month because of XXXX XXXX refusing to send my refund. I have lost over XXXX pounds because of this. I am starving! I want to pay my bills! I want to be able to buy my daughter new diapers instead of washing non reusable diapers and reusing them. This is unaaceptable from XXXX, well it's obviously acceptable to XXXX, but not acceptable by my terms. They just transferred me to somoeone in XXXX who barely spoke english and had no clue what was going on. 
Got another tracking number after that XXXX, which reflects the check was sent 3 day and not overnight. It says it was delivered. It was not. The rep would only tell me to wait for it. Wait for the check that was delivered to the wrong address? So someone else can cash it? 
This company is unbelievable. 
I'm currently on the line begging for a new check to be sent out since it shows it was delivered to the wrong address. The guy keeps telling to wait for it to be delivered. He is in the offshore callcenter and has no clue what I am saying. He just keeps repeating the same scripts. Scripts having absolutely nothing to do with what I am saying. 

Also I can only call in to supervisor lines, when I call customer service the phone tree says my loan is paid off and refuses to let me speak to someone. 

I tried logging into the website and its making me 2 factor verify, but its not sending me the verification code. So I cant call the call center, I cant access online. How do I do anything except submit a complaint through CFPB. CFPB is the only way that I can get someone at XXXX to even acknowledge me.XXXX XXXX
Product: Checking or savings account

I went to a XXXX XXXX ATM on XX/XX/XXXX XXXX. I deposited {$720.00} in cash to my Dasher Direct XXXX XXXX XXXX  as this is a preferred ATM for deposits with my bank ( XXXX XXXX - Dasher Direct ) and I have deposited there before. 

XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sequence # XXXX Terminal XXXX The ATM held my funds and said There was a problem and your cash has been retained. Your transaction has been cancelled. Please contact your financial institution for assistance. 

I immediately called the XXXX # on the ATM and they told me my financial institution has retained my funds and I need to submit a formal complaint with them. I called Dasher Direct the same day they told me I had to wait at least an hour to see if it resolves itself, I did & then they were closed. I called back the next morning and they filed a formal report on XX/XX/XXXX. Since I provided all the necessary/ requested information I have not received a response or any updates. Dasher Direct just keeps sending automated responses that my claim is being reviewed and the ticket # XXXX.
Product: Payday loan, title loan, or personal loan

I applied for a loan with XXXX, XX/XX/2018, in the amount of {$2000.00}, through XXXX XXXX who suggested them through prequalification. I went through the process, providing this company with my bank login credentials once my banking information was entered ( populated my bank login with bank logo ), though I thought this was odd for a lender to request. Within about an hour I was denied. An account was created on their website for me, and I wanted to delete it since I would not be a customer due to their denial, which they cited as being because of " Unacceptable Bank Account History. '' I could not find a way to delete the account on their website, so I called them. A rep told me that they can not delete the account. I asked to speak to a manager, and was put on hold. The rep came back and asked before I speak to a supervisor, did I have an account that was not a " prepaid '' account. I told her that my checking account was not a prepaid account. It is a checking account that I've had for 3 or 4 years. She said it showed that it was a prepaid account that I had had less than 30 days. I assured her this wasn't true. I then spoke to XXXX, a supervisor. She said they can not delete the online account, due to federal regulations. Doesn't seem legal to maintain a login on their site for someone who isn't a customer. She didn't even know how long the account would remain on their site. I need this account deleted. I then asked her why they flagged my account as a " prepaid '' account. She then stated very plainly, that that isn't the reason I was denied the loan. She stated it was because of who I banked with. XXXX XXXX. That they don't " work '' with XXXX XXXX. I asked why that wasn't disclosed prior to me applying, which affected my credit. It isn't on their website. Nor did it keep me from applying once my bank info was entered. She just stated there was nothing she could do for me, " sorry. '' She went on to say if I had another checking account with at least 31 days of activity, they could try to get me approved. I was only denied because of who I have a checking account with. 

I would not have had my credit dinged with an inquiry had I known, or their website declined my input once my bank was identified on their website. I need the inquiry removed from my credit, and I need the account they created on their website removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I asked transunion, XXXX, and XXXX  to stop reporting my consumer report because I never gave them consent under 15 us 1681b without written consent its identity theft I never gave transunion the authorization to report, furnish any on my credit report.
Product: Credit card or prepaid card

I applied for Wyndham  XXXX XXXX on XX/XX/2022. I received a mail and was asked to provided more information regarding Business. I calledXXXX and faxed required documents to XXXX. Application was approved on XX/XX/2022 ( after I called to check the status ). However, the card can't be printed and never mailed out to me ( Agent told me my account can not set up even my application was approved. I called ( XXXX ) XXXX and ( XXXX ) XXXX every day and agent keeps telling me it is a system glitch. My application was escalated to the manager. As of XX/XX/2022, the issue still can't be resolved. This is so frustrating and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I have been contacting Transunion credit reporting agency for over a week and transferred approximately ten times with no one able to adequately assist or know ANY way to resolve. Each call lasts 4-5 hours. 

I am attempting to get my annual credit report through annualcreditreport.com and services.transunion.com ; however, the system NEVER makes it to the verification questions and keeps generating error messages - " Unable to complete verification ''. After the agency 's general troubleshooting, there is no reason why I should not be able to pull my report. It comes across as the agency attempting to push consumers to the their paid website. The intended purpose of the website is for immediate access to your credit file to determine accuracy and monitor. According to Transunion, the credit report can be mailed ( which in the current mail climate would take almost 30 days and too long to catch errors, if applicable ). If the agency can verify my personal information to mail the report then what prevents them from verifying that same information to correct online access. When I log into Transunion with my user id/password, it says that a report was pulled within last 30 days. Yet, when selecting the link to view prior report, the data lists my pre-populated name ; however, file number and data credit fields are black. Please help so that I am able to check my profile expeditiously without further delay!!! I keep getting the run around. 

I never seem to get to ANY type of verification questions before getting the error screens included below. The only items that I enter are : my name, address, phone & email. Which are correct and included in my account profile.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has inaccurately reported a collection account on my credit report. The account in question is incorrect and should be DELETED from my credit report immediately. 
Despite my efforts to dispute this matter directly with Equifax under my rights outlined in the Fair Credit Reporting Act ( FCRA ), the issue has not been resolved. 
Relevant FCRA provisions : 15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum possible accuracy in the information they report.

I have provided Equifax with evidence supporting my claim to investigate and remove this account from my credit report as soon as possible. This inaccurate information is unfairly damaging my credit score and causing unnecessary financial hardship. I request that the CFPB investigate this matter and ensure Equifax complies with the FCRA by removing the inaccurate collection account from my credit report immediately. Thanks for your help.
Product: Credit reporting or other personal consumer reports

I've waited a long time to have XXXX inquiries on my Experian credit report. I've watched the date and patiently waited for the inquiry to fall off. Per policy, an inquiry should stay on your report XXXX months, and should not exceed XXXX months to the day of the inquiry. I currently have an inquiry on Experian with over XXXX months, that is still there. It should have fell off last month, then on XX/XX/year>, and again on XXXX & XXXX.
Product: Credit reporting or other personal consumer reports

all fraud accounts XXXX XXXX XXXX XXXX XXXX not my accounts naver open