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

In XXXX of last year 2022 we opened up an account with Discover account # XXXX it money marketing account. We have done all the verification that they tell us to do everything was verified. But when ever we try to link an account with it they freeze the Discover account. Every time we unfreeze it, it work just fine only when we try to link a Internal account they lock the account.we keep call up every time to ask why but never given a proper answer.it keep going back and forth into we Decided to close the account. At 1st everyone is closer account keep telling us different reasons but finally we get this conclusion. For some reason they decided to close the account. That around XXXX so I think it over with just have to wait for them to send me my check. But in XXXX I have a email from Discover telling me the balance on my Discover account it was at XXXX and some so I got confuse So I call up and ask but they don't know what I was talking about. So fine I'll just keep an extra account but something never change every time I try to link my account they freeze it So again back to square one. So that keep going on for like around a month or XXXX Then finally They say that they don't wan na do business with you no more so they gon na close my account and send me the checkout. That was around XX/XX/XXXX or XXXX. Like I said the amount was XXXX something like that. On the XXXX of XXXX in the morning it was still that amount but by night the amount wasn't there anymore so I thought they really did close the account for sure this time. So XXXX weeks past but I want to know when the check will arrive and to what address cause I have XXXX addresses on file. When I call up give them the account number The account was never fine it's like the account of wait XXXX I told him that probably close the account but XXXX of the agents told me no matter you close the account the account will still be there they will show up in on the screen. They ask me am I sure that I have an account with them not somewhere else. Now what really going on I try every thing but the customer service say they can't do anything if they can't pull up the account. So with all that happened and me try to get to the bottom of it, it like Take XXXX send me the email from discovery telling me the balance on my account it XXXX XXXX. It funny my money gose from {$16000.00} to {$20.00}. After that I haven't call them because I know it not going nowhere.but thankfully I ran in to your.
Product: Mortgage

To Whom It May Concern : I am a new costumer with Caliber Home Loans and have experienced many issues with the mortgage company 's automatic payment system. There is a general lack of record keeping that is worrisome in such a way that the costumer can not view previous payments that have been posted or the financial transaction history. This has resulted in me having been double charged for a recent mortgage payment. In cases of automatic payments this is especially problematic. For example, for my mortgage payment in the month of XXXX, I had set up an automatic payment from my personal bank account. However, the costumer has no way of knowing whether a recent payment has been posted or is pending. Based on this, I made a payment manually. But the next day I had 2 payments posted back to back. Any other major credit systems have options that clearly display the next scheduled payment. Caliber does not.
The management team is also unresponsive. I have contacted Caliber Home Loans and asked to speak with supervisors many times. Their team members have told me that the company is notoriously bad at handling double payment charges and I should instead go through my personal bank to dispute the double charge. I have requested to speak with a supervisor, however, I have not been contacted by a manager and it has been two weeks since the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account has violated my rights. 
15 U.S.C 1618 section 602 A. States I have the rights to privacy.

15 U.S.C 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor XXXX not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

Around last week of XX/XX/year>, I called Newrez llc the mortgage servicer asking about the status of my escrow surplus check which I should have received in XXXX. They said the escrow analysis was not completed and submitted an escalation ticket and asked me to give a call back after XX/XX/year>. I gave a call again on XX/XX/XXXX asking about the status. The customer rep stated no action was taken against this ticket. She spoke to her supervisor and they sent a comment to escrow team to work on it and get it resolved. That time they said I should have a solution by XX/XX/year>. I gave them a call today ( XX/XX/year> ) to check the status and the customer rep stated no updates yet. I requested to talk to her supervisor and after talking to them, it looks like the only answer they received from the escrow team was they will review it. I asked the supervisor thrice for a resolution date but they did not have any. 
Per their website escrow analysis should be done in XXXX of each year for the state of Texas. 
I do have call recordings of last 2 calls. 

I am in real of the money since its more than {$10000.00}. Please help me with getting this resolved asap. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments - XX/XX/2021, XX/XX/2021 and XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding the accuracy of information on my credit reports, which I believe to violate my federally protected consumer rights under 15 USC 1681, as stipulated by the Fair Credit Reporting Act ( FCRA ). 

I have previously communicated to Experian, XXXX, and XXXX, requesting a reinvestigation into the following accounts : XXXX. Account name : XXXX XXXX XXXX  XXXX. Account name : XXXX XXXX XXXX  XXXX. Account name : XXXX DEPARTMENT STORE XXXX. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX Regrettably, their responses assert that all information is complete and accurate. However, this assertion contradicts the discrepancies I have identified, specifically concerning the open date, date of last activity, and various other critical details. Per 15 USC 1681i ( 5 ), it is my understanding that these agencies are obligated to modify accounts that are inaccurately reported.

As outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given the disparities I have identified, it is evident that inaccurate information has been provided to these agencies.

I urge you to conduct a thorough review of my dispute and take prompt corrective action to rectify the inaccuracies in accordance with the FCRA. Failure to address this matter appropriately may compel me to pursue legal remedies available under the FCRA to safeguard my federally protected consumer rights to privacy and confidentiality.

Your immediate attention to this matter is appreciated, and I anticipate a resolution within the legally mandated time frame.
Product: Mortgage

XX/XX/2015, more than a month ago now, I completed a refinancing of an existing mortgage. The new lender transmitted the payoff amount to the old lender, Ditech. Ditech acknowledged receipt of the payoff amount, and they " closed '' my account. However, Ditech acknowledged that it owed me the balance in my escrow account, which is approximately {$1900.00}. To date, Ditech has not sent me a check for the escrow balance. I have attempted to contact Ditech but I have received no reply. Ditech understands that the escrow balance is due to be paid to me, not to my county/town tax authorities ; the new lender already paid the biannual payments which were due this month, and Ditech has been made aware of the tax payments. Please contact Ditech to demand that they send me the escrow balance without further delay. Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

despite both the FTC identity affidavit brief provided and filed XXXX XXXX sherriffs police report - equifax is the only bureau refusing to take action and remedy the effects of identity theft on my credit report. 

I am flabbergasted and dumbfounded by how the victim is being victimized by a " consumer '' agency that I previously thought of as the hero and not the villain as they are here. 

Please compel them to stop throwing salt on my proverbial open wound. Next step is to litigate them but I want to make sure I file this complaint to their regulatory board so that they are held accountable for this blatant disregard of consumer rights ( and human decency )
Product: Credit reporting or other personal consumer reports

My account with those accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$650.00} XXXX   XXXX {$480.00} US DEPT ED XXXX {$4800.00} USDOE/XXXX  XXXX {$18000.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$3800.00}
Product: Checking or savings account

I used a promo code when opening this account and should have received a {$150.00} bonus. I was informed by this bank today via telephone I would not receive the bonus. I had no choice to contact the bank by phone because they were ignoring my secure messages in the online portal. Please review the following correspondence with this bank in which I was told I would receive the bonus by the end of XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX   EST Good morning, it is now the end of XXXX. Please tell me when I will receive my new account bonus. Thank you. 
XXXX XX/XX/XXXX XXXX XXXX EST Ok, thank you! 
Customer Service XX/XX/XXXX XXXX XXXX  EST XXXX XXXX, We show that you opened your account on XX/XX/XXXX. The promotion on your account will take effect after 3 months if there has been no overdrafts on the account. You are currently on track to receive these benefits at the end of XXXX. 

Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX  Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX. 

Thank you for your message and we hope you have a great day, XXXX XXXX. 
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST {$150.00} for new accounts after a direct deposit, thank you Customer Service XX/XX/XXXX XXXX XXXX  EST XXXX XXXX, We would love to inform you about when your bonus will be implemented in your account. However, I will need to know what the promotion was to be able to credit the account. If you will please respond with the promotion we will be able to properly credit your account. 

Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX  Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX. 

Thank you for your message and we hope you have a great day, XXXX XXXX. 
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST Hello, Please send tell me when I will receive my account bonus. 
Thank you
Product: Credit reporting or other personal consumer reports

There is information reflecting in my credit report that is incorrect that is not my account and it is being reported as a collections I reviews my report with Equifax and there is no account XXXX XXXX owned by XXXX XXXX XXXX please review immediately and remove as it is an incorrect representation of me. 

Thank you,
Product: Credit reporting or other personal consumer reports

I have not gotten a response from the credit furnisher to my previous documents that I submitted to them.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed account, as Experian inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/XXXX I mobile deposited a total of 5 money orders at {$1000.00} each. This was my initial deposit after opening this account a little prior to this. That same day it showed {$5000.00} in my account. The next day I couldnt access the account anymore. Not online not on the app and not at the atm. I called BMO bank and they said they could not help me and to call back on Monday. So that is what I did! I was told that it went to the fraud department and spoke with a man named XXXX. He asked why I deposited so much I said it wasnt that much considering I should be able to deposit as much as I want. They have no regulations on how much I can add. Then asked me to verify the amounts ( which I did ) and said ok he would get it handled. That was three weeks ago and counting. I have spoke to the fraud department several times. Each time after waiting on hold over a hour I get told 14 days then 14 business days. We have been well past that and now Im being to wait longer because they may have to have someone else look at this. Keep in mind that they money orders actually cashed on XX/XX/XXXX. So where is the money? They cashed them but didnt put it in my account..????? STAY AWAY FROM BMO HARRIS BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax via XXXX mail regarding inaccurate information on my credit report. I requested reinvestigation to determine the accuracy of the disputed information and update the current status within 30 days of receiving my notice. I mentioned that their failure to verify these accounts has impacted my creditworthiness. Along with the letter, I provided details of the inaccurately reported accounts : XXXX XXXX ( XXXX ) and XXXX XXXX XXXX company. Equifax received my dispute on XX/XX/year>, as evidenced by the stamped return slip. However, the dispute took well over 30 days to resolve. I have copies of both the letter sent and the stamped return slip.
Product: Credit card

XXXX - Upon review of my account balance as I do daily, it was discovered that a charge to XXXX with XXXX XXXX with a Transaction Amount of {$150.00} appeared on my list of transactions. I immediately call and notify a representative at Barclays that I didn't recognize this charge or make this purchase at XXXX for a {$150.00} and that the last place I used the card was at XXXX  for {$5.00} and this is where someone had to make the fraudulent charges. The XXXX Charge appeared after my XXXX  Visit. Account ending in XXXX. 

XXXX - Letter from Barclay with a date of XXXX. The letter states that they have completed our investigation and have determined the activity is valid because the card was identified as being in your possession and chip card technology was used, which can not be counterfeited. Account ending in XXXX. 

XXXX - Upon receipt of the Barclay letter dated XXXX. I immediately contacted Barclay representative on XXXX and spoke with XXXX who identified himself as the Manager. The case was re-opened ; however, XXXX made it very clear that the {$150.00} charge from XXXX was valid. I strongly disagree with this because I very, very, very, rarely eat at XXXX and when I do, I used a gift card and the most I have every purchase from XXXX in one transaction was less than {$40.00} for a family of four. Who spends {$150.00} at XXXX. I rarely spend that amount at XXXX XXXX, XXXX, XXXX  and any other sit-down restaurants. 

XXXX - Letter dated XXXX from Barclay referencing account ending in XXXX which is the primary card holder. The letter stated that we have completed a detailed review of your claim and, based on the information available, have concluded that the transaction ( s ) you identified are not fraudulent. We have updated our records to reflect that the investigation into your fraud claim has been completed. 

Please refer to your next monthly credit card statement ... ... ... ..., as stated in your Cardmember agreement. 

If needed, we are sending updated information about your account to the Credit Reporting Agencies. If the disputed amount has not been paid, it will remain as a discrepancy on your credit report. If you would like to dispute any discrepancies on your credit report, we as you to contact one of the following consumer reporting agencies listed below.