23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

this is a on going problem since my car was repo back in XXXX. I have many problems one I regain my car but still have a charge off on my credit making it hard for me to sell so next problem they moved my loan to a different department making it that I have to call in my payments lines are always on hold and once I do a phone payment I don't get a recipe I don't like that so to track my payments I started doing online payments where my bank mail them the payment they are not posting the payments missing payment the checks not being cashed making me fall behind there was 3 payments not posted and I had the bank on the phone with me to prove one of the check was cashed but not put to my payments 3 checks never got cash and now it takes my bank 30 days to track the checks down and cancel them for me to get my money back 3 weeks ago I did a bills payment for {$1500.00} no recipe not posted then another one for {$500.00} no recipe not posted this is crazy and they the ruddiest people to talk to understand they not getting my car and they need to get it that people can do online payments so I can see the transacton and posted payment with a recipe
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$600.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am submitting a formal complaint regarding inaccuracies in my credit report with Equifax that significantly impact the security of my identity. My credit report contains incorrect names and outdated addresses, which do not belong to me and which I have repeatedly requested to be removed. This information is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and verified information in consumer reports.

These inaccuracies, if not corrected, put me at risk for identity theft and misuse of my personal data, as they provide unauthorized and misleading information about my identity. Furthermore, I request the removal of any previous addresses and names from my credit file, even if they are linked to a credit account, as required by law.

My correct information is as follows : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Last XXXX digits of XXXX : XXXX I demand that the CFPB investigate why Equifax has failed to correct these details and ensure Equifaxs compliance with the FCRA. This includes promptly removing any unauthorized names and previous addresses from my report. Such outdated and incorrect information has no place in my credit history and directly impacts my financial and personal security. 
Thank you for your attention to this matter and for helping ensure that Equifax maintains only accurate information that correctly reflects my identity. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I have never been evicted. The report done by Screening Reports shows XXXX eviction notices. XXXX notices are the result of the rental company filing paper work too quick and not giving me a chance to take care of things. The XXXX from XX/XX/XXXX was quickly rectified, we never went to court. The XXXX from XX/XX/XXXX was a mistake. I gave the landlord written notice of my intentions and the next day I received confirmation of this information. I left when I said I would. Several days later I received a intent to evict. I called the landlord and they said they would take care of it. If they would of taken care of it there would be NO record on my report. I explained this to Screening Reports. They told me, " there was nothing I could do about it and it would be there for XXXX years. This is not fair. I was never evicted. I fell behind XXXX and now I am unable to find a place for my son and myself to live.
Product: Credit card

I returned three rings to XXXX on XX/XX/2016. Items were returned and I have yet to receive refund. I tracked the items and kayoutlet received the returned items on XX/XX/2016. It 's been well over 80 days and the {$2000.00} has yet to be refunded to my Kay jewelers credit card.
Product: Credit reporting

It has been more than 60 days since I wrote to experian and I have not received any status of my request.
Product: Mortgage

We sold our old house on XXXX XXXX, 2015, and dropped our home owner 's insurance from XXXX XXXX. We also have auto and home owner 's police through state farm on our new house. The underwriter removed the multi policy discount on all of our policies. On XXXX XXXX, 2015 XXXX XXXX billed our mortgage for {$1300.00} when our policy premium should have been XXXX. According to our mortgage company, they claim they sent us a statement showing and increase in escrow dated XXXX XXXX, 2015 ( we never received ). They debited our bank account on XXXX XXXX, 2015 for {$1000.00}. The authorized debt amount is {$700.00}. They debited our account for an unauthorized amount of {$380.00}. Our insurance company is in the process of refunding us the amount of overpayment. Federal law requires a 60 day notice of any escrow changes before the account can be debited. ERA mortgage debited our account on XXXX XXXX, 2015, less than the 60 day claimed notice.
Product: Checking or savings account

I am a member of the XXXX XXXX XXXX overseas to the XXXX XXXX. I am stationed in a location where I can live in an apartment and drive around the local area. I recently purchased a car from a friend who was returning home. We agreed to {$5000.00} for the car. I attempted to use Chase bank 's XXXX transfer service. The transactions are limited to {$2000.00} using this service, which is fine. I submitted the first payment without any issues. However, the second payment of {$2000.00} apparently flagged my account for " suspicious activity. '' I was able to call, verify my pin, debit card number, and card code. As far as I know, the payment was successful. I was assured over the phone that future payments would not be flagged. Unfortunately, the third payment of {$1000.00} was again flagged. This time, Chase is telling me I must appear in person at a local branch. That is impossible given that I am in the XXXX XXXX and they have no branches here. Their solution is that I call my banker. However, I do not regularly bank with Chase. I am a XXXX member, but I use Chase to process rent and mortgage payments from properties I own. Therefore, I do not have a " relationship '' with a specific banker. Their demand is completely unreasonable and discriminates against military members. There are sufficient technologies available today to verify my identity. Additionally, with the lock in place, I can not withdraw my funds and close my account. This is simple Chase refusing me access to my funds. I hope the CFPB will be able to help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to delete the inaccurate information from my credit report. The alleged Account XXXX is inaccurate Equifax Received my dispute on XX/XX/XXXX stating that the alleged date of the first major delinquency reported is inaccurate the alleged date of the first major delinquency is XX/XX/2018 is contradicted by the payment history calendar which shows that I made payments on XX/XX/2018 and XX/XX/2018 which means the alleged date of first major delinquency is inaccurate. Equifax responded XX/XX/XXXX stating that the alleged account was verified as accurate by the alleged data furnisher yet shows the same error. Title 15 1681e. Compliance procedures ( b ) Accuracy of the report specifically states- '' Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Equifax failed its duty as a credit reporting agency by furnishing this inaccurate account on my consumer file
Product: Money transfer, virtual currency, or money service

I was on cashapp and my debit info was on there and some how I got XXXX dollar cash out I didnt do
Product: Credit reporting or other personal consumer reports

I have repeatedly informed Experian that I have NEVER lived at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, Experian continues to list this inaccurate address. Again, I have NEVER lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020 at XXXX XXXX PDT My company used PayPal to receive a credit card payment of {$4300.00}. Paypal immediately and without reason put a hold on {$2900.00}. I called and was told multiple different reasons as to why the funds were being held : Reason 1 : " The funds will be released when you provide a tracking number '' -I am a XXXX XXXX XXXX XXXX facility, the transaction is for XXXX XXXX there is not and will not be a tracking number.

At this point I was transferred to another representative and was given a different reason.

Reason 2- " You have gone over the {$500.00} limit on keyed in transactions. 
-I replied that I was now very uneasy with any funds being held by PayPal , that my business cash flow can not tolerate {$3000.00} being held for " Up to 21 days ''. The representative attempted to release the hold, but was not able to. I asked to be transferred to a supervisor who could release the funds. At this point I was transferred to a supervisor who gave me the third different reason. 
Reason 3 - " You have gone over the {$8500.00} limit on incoming transactions total. '' -I replied that the funds need to be released immediately and that there are unacceptable and shady business practices going on. The supervisor rudely and with glee refused to release the funds, or provide me any acceptable reason why the funds were being held, or why I had been told so many different reasons. He informed me that PayPal would not release the hold for 21 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/2021 ) I was checking out at T.J. Maxx - XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I was offered the T.J. Maxx rewards card by the cashier, which I declined. I said I do not want any more hard inquiries on my credit because I am looking to purchase a home in the near future. The cashier tells me that it is only the T.J. Maxx rewards program and that a hard inquiry will NOT be done to sign up for the card. I replied that I would only sign up if she could assure me that there would be no hard inquiry. She assured me that they only do a soft inquiry. With assurance from the cashier I trusted the information she provided me to be correct. In fact I didn't even realize I was signing up for a credit card, with the information provided by the cashier, I was under the impression that the TJ Maxx rewards card is a similar product to the XXXX XXXX which offers rewards in the form of a debit card, but does not do a hard credit inquiry. Within seconds of signing the electronic pad at the register I feel my phone vibrate. It was an alert from XXXX that a hard inquiry was pulled for a new credit card. I'm instantly furious that I was lied to whether it was unintentional or not. I ask if she can reverse it and remove the hard inquiry. She could not, but calls over her store manager. I have a pleasant conversation with XXXX the store manager. He said he was embarrassed because he said he trains his employees to provide the proper information about the T.J. Maxx rewards card, but his employee failed to provide the proper information and that there was nothing he could do to reverse it. He told me to contact the rewards card customer service number. I proceeded to call the The TJX Rewards Platinum Mastercard number ( XXXX ) and explain the entire situation and how the card was misrepresented and that I would have never signed up if I was not lied to or provided with the incorrect information. They said they were sorry about the situation, but there was nothing they could do because I provided my information when I was checking out at T.J. Maxx. I went back and forward with them, but they were unable to solve my problem. I feel as if I was scammed into a card that I am now stuck with because I trusted the word of the employee that was representing the rewards program for T.J. Maxx. I think it should be illegal for a store to have the ability to provide wrong information and easily sign you up for a credit card in less than 10 seconds without providing the full terms of service that do not match what was conveyed verbally. All I want is for the SYNCBTJX CO DUAL CARD hard inquiry removed from my credit report, if that means closing the account, so be it.
Product: Debt collection

my credit report has me down for a charge off and late payments to XXXX/XXXX company. it is not my account. it is not an address that i have ever lived at. i want all aspects of this matter purged from all of my credit histories and i want letters of apology that can be presented to any future creditor.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally request the prompt issuance of the remaining balance check of {$170000.00} USD from Bank of America ( BOA ) for a closed account. 
Account info, name of the business : XXXX XXXX XXXX Account number XXXX XXXX : XXXX This account had been receiving customer payments in succession by the end of XX/XX/XXXX. During this period, the account was temporarily restricted by BOA 's risk management department. However, after providing the necessary customer information, including names, email addresses, and phone numbers, the risk assessment was completed satisfactorily, and the account was returned to an operational status. 

Subsequently, a change of ownership for the company was processed, transferring from XXXX XXXX to myself, XXXX XXXX. In XX/XX/XXXX, I received a letter from BOA indicating the closure of the account. Then, in XX/XX/XXXX, a check for {$110000.00} USD was issued to the company, but the subsequent amount of {$170000.00} USD remains unpaid. 

The handling of this matter by BOA has been highly unprofessional for several reasons : The account funds had already been verified by BOA 's risk control, with all necessary customer information provided. Despite this, BOA has continuously claimed that the account requires additional investigation, refusing to accept further customer payment contracts and invoices as additional proof. 
The delay in receiving the final payment is excessive. Since being notified of the account closure in XX/XX/XXXX, the remaining balance has not been received as of XX/XX/XXXX. 
Enclosed are the final statement and notice from BOA pertaining to this matter. I urge the Consumer Financial Protection Bureau to intervene and facilitate the expedited resolution of this issue, ensuring that the remaining balance owed to me is promptly settled. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Once again, I find myself dealing with an issue concerning the Equifax Credit Bureau. I've noticed that this credit bureau had not made some necessary updates to my credit report. As a result, I'm kindly reaching out to the Consumer Financial Protection Bureau ( CFPB ) for their assistance in promptly resolving this matter by completely removing the fraudulent inquiries. And while the XXXX have removed some fraudulent inquiries, two inquiries were still present in my credit report. Below, you'll find a list of the outstanding inquiries that need to be taken off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I do not owe the amount that this company claims. The so called debt is related to XXXX and my attending this online institution. I was enrolled for a year and a half but dropped out after the third week of the second semester in 2017 the university received their payment for the class then I decided that this program was not for me. XXXX still claims I owe them this debt when they were paid for the class..
Product: Bank account or service

After my mother died in late 2015, I proceeded to close her estate. I was co-owner with her on XXXX bank accounts with Chase Bank. Since at least XXXX, the bank has refused to return the money I had put in the account amounting to roughly {$2100.00}. After some wrangling back and forth, the account was frozen and then closed due to a fraud alert, but that was straightened out months ago. Now, after at least 5 hours of phone time and writing letters and sending her death certificate which the bank then processed, the bank issued a check in my name to my mother 's former XXXX. Turned out, the check was returned because the mail at my mother 's house was not forwarded to my attention. The bank then destroyed the check. I was then told I needed to change my address. So, I did that over the phone. I 've live in XXXX. After a great deal more time had passed and I had no update from the bank, I called again and was told I needed to update my address IN PERSON. The closest Chase branch is in XXXX. This is the XXXX. I am not driving all the way to XXXX to change my address with the bank. Then, alternatively, they said I would need to go to a notary, call the bank, and ask the bank to fax an affidavit and indemnity agreement for me to sign. I told them I would go to a XXXX nearby to see their notary. Then the notary would fax back the document signed and notarized to the bank so I could get my check. I asked them to be sure and update their notes. That was before the holidays. I was dreading going to XXXX to follow up and close this matter since I was afraid Chase would fail me again. Last Friday, I mustered up my determination once again and called Chase before I went to XXXX. Sure enough, after being transferred to XXXX different people and being on the phone for XXXX minutes -- mostly on hold -- they said they would not send the agreement to XXXX for me to have notarized. They said once again I would have to go to a branch. I have never seen such gross incompetence by a bank before. Finally, I threatened to file a complaint with you, or file suit against them. The rep then transferred me to yet another person -- the first who sounded like she had authority -- and she said they would investigate my complaint. They said it would take up to 24 hours. That was a week ago. I 've still not heard back. How can I get my money back? This is ridiculous! I also want to be paid any interest on the account. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently sent 3 certified letters since XX/XX/XXXX-XX/XX/XXXX to all 3 credit agencys to delete accounts ( listed below ). They continue to say they verified the accounts, but never told me who they verified the accounts with, no contracts showing the accounts are mine, nor signatures. Also usually is over 30 days for a response, which is against the law of the FCRA. Please delete Accounts listed below XXXX ( XXXX XXXX XXXX  XX/XX/XXXX# XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) TransUnion- ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX #  XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXXI ) XXXX- ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

Every day they call and leave a message that " this call concerns a matter of important personal business. '' I've talked to one of their representatives and he says my number isn't in their system but they continue to call and leave a message every day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, Re : Dispute of Inaccurate Information and Late Payments on OPEN Account I am writing to dispute the inaccurate information reported on my credit report for the following OPEN account : - Account Name : XXXX - Account Number XXXX XXXX - Original Creditor : XXXX XXXXXXXX reports the account was paid as agreed, with a 100 % on-time payment history. However, Experian and XXXX report XXXX late payments, which is inaccurate. Despite multiple disputes ( over 1 time ), the error persists.

I request your assistance in resolving this matter. The FCRA requires accurate reporting, and I demand correction. 

Please investigate and take appropriate action to correct this error. 
Sincerely, XXXX XXXX XXXX