23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Back in XXXX of XXXX, I filed a dispute about a fraudulent charge on my Barclays Arrival World Mastercard. After 4 MONTHS, I received a letter saying the dispute had been reversed, with back up documents consisting of 6 COMPLETELY BLACKED OUT PAGES. When I called about this, the dispute department investigated, apologized profusely, and said they would re-send legible notes. It took several more calls to get them to do so, and when they did, I found the documentation ( from the merchant, a hotel ) to be full of inaccuracies and misstatements. When I immediately called to tell them this, I was informed that the case was now closed due to the amount of time that had passed! 
After several attempts to reopen the dispute, I finally gave up. ( I ultimately got all my money back from the merchant myself, with no help from Barclays. ) Following this, beginning in XX/XX/XXXX, each of my monthly statements contained errors, necessitating numerous phone calls to customer service to correct them. On XX/XX/XXXX, agent " XXXX '' ( id # XXXX  ) told me my balance was " XXXX. '' On XX/XX/XXXX, I had an extremely lengthy conversation with " XXXX '' ( id # XXXX  ) during which we went over all my balances and payments over the preceding 4 months, and the end of which, it was determined that my final, total balance was {$630.00}. After confirming our conversation was being recorded, I had him reiterate the balance, and confirm that after payment, my balance would be XXXX, which he did. I immediately paid the final balance, and closed the account. 
Even though there were no outstanding charges on the account, I've continued to received statements with outstanding balances, necessitating further phone calls each month, to no avail. Finally, on XX/XX/XXXX, I spoke to XXXX XXXX, an Exectuvie Assistant Speicalist in the Office of the President. She said she would retrieve the recorded conversation from XX/XX/XXXX and get back to me. Instead I received a form letter, simply telling me that " all charges were legitimate. '' I was never able to speak to Ms. XXXX again, despite leaving numerous messages. On XX/XX/XXXX, I received a voice message from XXXX XXXX, asking me to call her back. However, she never left an extension, and I received no response to 3 separate voicemails left in the general mailbox. On XX/XX/XXXX, I received a voicemail from XXXX XXXX, who did leave an extension. To date, I have left MsXXXX XXXX a total of 4 voicemails. She has never returned any of them. 
I am still being charged monthly for this closed account, with ever-mounting late-fees and interest charges.
Product: Mortgage

I have been fighting, at my own expense, mortgage servicing fraud since XX/XX/XXXX after obtaining a high interest only loan from XXXX XXXX in XX/XX/XXXX. 
Because the home was severely underwater I was not able to refinance and was told I could not apply for a modification because I was in XXXX XXXX bankruptcy. Eventually I was approved for a XXXX XXXX Streamline Modification and made the three trial payments. I was sent a Modification Contract that included approximately {$28000.00} for escrow not owed and for interest payments that had not been credited. The servicers, XXXX then XXXX XXXX would not voluntarily correct the errors and I spent about two years fighting them in the Bankruptcy Court. They could not explain how my escrow could be XXXX due in XXXX XXXX but I owed {$14000.00} in XXXX XXXX after they paid {$1600.00} tax in XXXX XXXX. They more than doubled my monthly payment and would not voluntarily correct it and would not let me proceed with the XXXX XXXX Streamline Modification because I would not sign it with the errors in it that would have illegally obligated me for an extra {$28000.00} not owed. 
After my bankruptcy was completed I applied for a HAMP Modification with the newest servicer, Caliber Home loans. I was assisted by XXXX XXXX XXXX, a HUD authorized Housing Counselor. XXXX XXXX XXXX assisted in filing all the necessary forms and afterwards we would receive a letter from Caliber each month asking for a completed application, tax request form, and most recent income verification. XXXX XXXX XXXX repeatedly submitted the requested documents and asked me for new profit and loss statements each month to accommodate Caliber 's monthly requests. Although all of the requested documents had been sent and resent I received certified mail on Saturday, XX/XX/XXXX from Caliber 's attorneys, XXXX and XXXX ; giving me 10 days notice of a Trustee Sale. I contacted XXXX XXXX at XXXX XXXX XXXX on Monday, XX/XX/XXXX and she contacted XXXX and was told that since all of the required documents were not submitted 25 days prior to the scheduled sale date, even though they had been, Caliber could not and would not stop the sale. XXXX XXXX told me that it was an underhanded and unreasonable action and that the 10 day notice does not meet the 30 day notice required by the Virginia Code. She suggested that I file a complaint with the CFPB and contact an attorney to file for Chapter XXXX Bankruptcy Protection. At that time I was being treated at The XXXX XXXX XXXX XXXX XXXX Hospital in XXXX, VA and I had to interrupt and postpone my treatment to return home, find and retain counsel to file an emergency petition to save my family home. On Monday XXXX XXXX, XXXX, I received four identical letters from Caliber, dated XXXX XXXX ; thanking me for sending the additional documents and advising me they still needed additional documents to proceed with the modification review.
Product: Credit reporting or other personal consumer reports

We were finishing payment of an auto loan and were not informed that there was additional money due from delayed payment relief related to XXXX. Because we were not aware, we are showing late on additional interest. We never received any mail, e-mail or phone call that there was an issue. We feel that this is in no way our fault, after paying a loan on XXXX  and in full over 5 years.
Product: Credit reporting or other personal consumer reports

All I know it appeared on my credit report as a collection. I was breached in Louisiana. The Breach was XXXX, XXXX and Louisiana Dmv. All my information was taken and used. My information was to create accounts. They have my driver 's license and social security number and my addresses. I have been told they was opening up accounts online and requested personal information in which they have. Especially bank accounts, Loans, I now have life lock. I was also reported to XXXX for something that has nothing to do with me. I'm accused in the so-called information that it was me because they have my information. They have XXXX in which it was my bank. My money was taken out it was XXXX dollars in bits and pieces. I don't know who did it. All together I had XXXX taken from me. So I know about the identity theft that had been going on. These accounts are part of identity I'm talking about. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which they closed my account. My direct deposit was being taken. I went there like always it was said it was me doing. I was told at XXXX in XXXX La. I had the same information as someone else. I'm like can I get the information. Because I just cashed a check there. I didn't. They couldn't provide the information. I had my birth certificate and social at the time on me. That what got me not being arrested that day. The clerk also said we look alike I'm shorter and thicker. I don't know. Apartments also. I see so many addresses that not mine. Cell phone companies like XXXX. Cable companies XXXX. It's not mine They also have a lot of inquiries that is on my report. Only inquiry should be there is XXXX XXXX Its a loan company.
Product: Credit card or prepaid card

I 've been a wells fargo customer for over 10 years. Recently I got a wells fargo credit card and put a {$3700.00} tuition charge on it. I set up automatic payments and took a look the day the payment was supposed to be due ; by the end of the day it still did n't go through. Looking at the automatic payments page, it says it will only pay whatever the remaining balance is after any previous payments were taken into account, so I went ahead and made a manual payment in order to avoid the credit card late fees. This was on X/XX/17. The next morning i get notifications that my checkings account is overdrawn and multiple service late charges were posted to my checkings account. It turns out automatic payments ignored my manual bill pay and paid the {$3700.00} again. I called customer services and explained my situation, and they gave me a timeframe for this to be fixed. They also told me they 've escalated this to customer services. Their estimated date was today and the payment has not been returned. When I called customer services again they told me since the amount is large, they may or may not have to wait even longer to refund, nothing clear.
Product: Checking or savings account

I was charged fees and things wouldnt add up when I was banking with Wells Fargo so we decided to leave Wells Fargo bank. I even had a credit card with them at the time and charges were not making sense on their either.
Product: Credit card or prepaid card

This involves a dispute submitted to a XXXX XXXX XXXX XXXX. 
I submitted a dispute to the company which is not claiming I did not submit enough info. 
he dispute involves a transmission Repair Facility XXXX XXXX in XXXX XXXX, NJ XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. XXXX. 
I brought a XXXX XXXX XXXX in with a transmission issue which I was assured was repaired. Since they assured me that they fixed this problem and my cost was under {$1000.00}. I asked them to look at the brakes and a fan that was making noise. I picked up the vehicle even though the cost was {$1300.00}. ( I have included 2 explanation documents here with a fuller explanation. ) The next day I discovered the vehicle had the same transmission issue. I brought the vehicle back and they wanted to charge me for additional work they said needed to be done. I now was into this for over {$1000.00} and the problem still exists ... I filed a dispute with the credit card company ( XXXX XXXX ) XXXX XXXX is the company that administers this card. After submitting my docs including an estimate by another transmission dealer that said they should have recommended rebuilding this transmission at a cost of approx. {$2000.00}. If I had been told that at the beginning I would have never done any of this work. Its a 12 yr old vehicle and not worth this repair. I believe they misrepresented the repair status and the only offer I received was a warranty that did not cover the transmission. The original repair invoice make it seem like the transmission problem is secondary but that is he original reason I brought it in. 
The credit card company is complaining that I need to get another vendor to explain what the original dealer did wrong ... I can not get a dealer to do that they refuse to do that ... The dealer also represented this as an intermittent problem which was also not correct. 
The Docs I have included : 1. The Original Dispute 2. 1st submitted explanation 3. Estimate form another repair shop 4. 2nd explanation 5. Emails exchanged with Transmission shop owner 6. Original Repair invoice 7. Credit Card final
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to access my credit files. The three bureaus have told me that my information does not match the information on file. I can not get anyone on the phone, and when I call, none of the prompts are what I need to access my files. When I try to make accounts on the websites, I am not able to do that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I checked my personal credit report, which I acquired from your company onXX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

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

I recently reviewed my credit file and noticed some inaccuracies. I as the credit bureaus to verify and XXXX removed the accounts. I sent the results to the XXXX and Transunion but the continue to say the information is correct. My question was if XXXX found the items to be incorrect how are the verifying the data. All report must be a the same on all three reports. XXXX then, reinserted the accounts without proper notification as required. Under fcra sec 1681i sec 611. the following accounts are listed below. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with to the FCRA these creditors have violated my rights under the following credit reporting laws 15 U.S.C 1681 sec 609 PART 5 15 U.S.C 1681 sec 604 A sec 2 15 U.S.C 1681 sec 602 A
Product: Debt collection

On XX/XX/XXXX, I received a telephone call and voice mail from XXXX, a senior specialist of Comenity Bank. XXXX called both myself and my fiance regarding a debt held by another family member. The family member in question also received a similar call on this date. The telephone number that XXXX left to call her back on is XXXX, ext. XXXX. XXXX stated that it was urgent that this family member call her back by XXXX XXXX I have no idea how Comenity Bank has my telephone number and I am especially perplexed as to why they would have the telephone number of my fiance- who does not share my last name- as neither of us has accounts with them. Comenity Bank clearly believes that they have the right to call anyone and everyone who may know one of their debtors. Naturally, when I attempted to return XXXX 's call, I could not reach her, nor could anyone advise me of the urgent issue they were calling about because my telephone number is not associated with any account in their records. Neither myself or my fiance are employees of Comenity Bank and it is not our responsibility to collect their debts or harass their debtors. This practice of calling extended family members and co-workers is a clear attempt to harass and embarrass their debtors. I have been registered on the do not call list since XXXX. I would like to file a formal complaint against this company for their debt collection practices in violation of the Telephone Consumer Protection Act.
Product: Debt collection

On XXXX XXXX, 2016, I received a demand letter from CMRE Financial Services , INC asking me to pay a debt of {$370.00}. 

This medical bill does not belong to me. I am disputing this bill and do n't intend to pay a bill that does not belong to me.
Product: Debt collection

I owed all together about XXXX $ in medical debt ( about 4 accounts all together ) one account in paticular ( the only one im complaining about ) they served me paperwork stating i owed XXXX $ i called debt collector CLARK COUNTY COLLECTION SERVICES ( XXXX ) who told me i ACTUALLY owed XXXX ( In a very ''matter of fact '' voice ) and informed them that i would pay it before the court date. I paid the debt in full on XX/XX/XXXX ( XXXX ) and thought it was done and over with and i emailed the ATTY that was retained for the case and he confrimed the account was paid in full ( i can provide documentation for all ) ( i do not recall the date of service however but i have the ppwk at home ) The collection agency is now calling me after all accounts were paid stating i owe an additional XXXX $ ( the cost to serve me ) however the XXXX i was told by XXXX ( allegedly all calls are recorded ) included interest as well as legal fees and that is why the cost was so much ( i was rather confused why they would seek a judgment for XXXX $ if they stated i owed XXXX. I am very frustrated and feel that i am being wronged and that they have no problem making up charges as they go so i am going to speculate this is common practice for them. It is now XX/XX/XXXX and i am still dealing with this. I am no lawyer but commons sense tells me its probably somehow ILLEGAL to just make up charges- This is definately deliberate and not an accounting error otherwise i would not still be getting calls everyday to pay the XXXX $ which is a slap in the face to me after all of this. Not to mention after it was all paid i NEVER was sent a letter stating i owed any other additional funds before i started getting calls over and over agian. I will not be paying this XXXX . It is riduculous that the burden of proof is on me the consumer to dispute these debts when they can just make up charges as they go. Something is seriosly wrong here.
Product: Mortgage

I attempted to refinance a Chase.com mortgage based upon rapidly changing market conditions. I am currently a Chase mortgage customer. 

On XX/XX/2020, I was issued a quote for a 15-year fixed for including points of 0.265 %. 
Then on XX/XX/2020, I was issued a quote for the same mortgage product for 0.866 %. 

No difference in Credit Score or other factors was presented to the brokers. 

Chase Mortgage is using the coronavirus situation to inflate points related to a national crisis to profit and price gouge customers. 

Chase has advertised in both mailings and on their website a rate of 2.5 % ( APR 2.651 % ). This is completely a bait and switch advertisement.
Product: Credit reporting or other personal consumer reports

The Date It Is Saying Open Is XXXX I Called Today And The Operator Stated That And Account Was Open In XXXX XXXX She Stated That She Didn't See Anything Else I Ask For A Manager The Manager Ask My Name Address Email And Phone Number I Gave It To Him He Said It Didn't Match He Stated That He See Two Different Address A Different Email Phone Number And Address He Told Me To Dispute With The Credit Bureau
Product: Debt collection

XXXX XXXX XXXX - I did not authorize to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the credit bureaus repeated failure to resolve inaccuracies on my credit report, despite multiple disputes filed between XXXX and the present. I have formally disputed at least four times, requesting that the credit bureau provide proper verification of certain items. However, these debts consistently come back as validated or verified without any supporting documentation, which directly contradicts Fair Credit Reporting Act ( FCRA ) requirements. These unresolved inaccuracies continue to harm my creditworthiness and financial stability.

Details of the Complaint 1. Throughout each dispute, I have requested that the credit bureau provide clear documentation or proof of verification for the listed debts. Instead, the credit bureau has responded with a generic statement of validation, without indicating any meaningful attempt to contact the original creditors or reliable sources as required under the FCRA. This lack of documentation suggests either a failure or misrepresentation in contacting the data furnishers, and it demonstrates a failure to conduct a reasonable investigation. The bureaus response does not meet the standard of a thorough or fair inquiry into the accuracy of the reported information, as mandated by law 2. Incorrect Bankruptcy Reporting Of particular concern are two inaccurately listed bankruptcy entries, supposedly filed in XX/XX/XXXX and XX/XX/XXXX. I have submitted documentation proving that neither the XXXX XXXX XXXXXXXX nor XXXX any other known entity authorized to provide such informationverified these bankruptcies. Because these entities either do not report such information directly to credit bureaus or have denied the existence of these records, there is no possible way the credit bureau could have legally or accurately verified these entries. Without a valid, authorized source to substantiate them, the continued reporting of these bankruptcies as verified not only misrepresents the facts but also constitutes a failure to conduct a reasonable investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). This baseless reporting has caused significant, ongoing harm to my credit profile, jeopardizing my financial standing and access to credit. I urge the CFPB to investigate this issue seriously, as the credit bureaus actions reflect a disregard for both accuracy and legal standards in credit reporting. 

Other Disputed Accounts The following items remain unresolved despite multiple disputes and the lack of proper verification : XXXX XXXX XXXX : Incorrectly reported as an account with XXXX allegedly opened in XX/XX/XXXX. No documentation has been provided to validate this entry. 

XXXX XXXX : Beyond the statute of limitations for reporting, as noted in previous disputes, but still listed inaccurately.
Product: Credit card or prepaid card

Us Bank has pulled my credit without my permission. They have stated that the pull was requsted by US Bank Mobile app.I have continued to be discrimnaited against when going into braches and over the phone. US Bank have turned me away serval times during check cashing our check deposit process. They also has block my crad in the past to prevent me from getting money out the ATM. US bank failed to get my permission to pull credit and did not send me proper notice of such pulling. i have stated to them that i monitor my credit very close. On XX/XX/XXXX XXXX  supervisor of us bank stated that i am eligilbe for a upgrade to a unsercured card but a had pull on my credit must be made. i explained to him a brach manager stated that since I am a customer and and hard pull was done when opeing the secured credit card than only a soft pull is needed. This will be my second complaint against the bank for unfair practices this is plan discrimination and due to other complaints that i hav filed aggainst the bank. i was told if i had problems with them and didnt like the service to go find another branch. they also have continued to do a soft pull on my credit report and not provide and explaination as to why. i have been outstanding and have made all payments on time.