23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Given the recent news about Equifax having been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite easily. For XXXX and Experian, after answering their specific security questions successfully, the message received was that each could not provide access to my credit report online. For XXXX one was requested to print out a PDF form, fill it out, and then make photocopies of a series of personal identity documents with enlarging of some of these if the print was small. Then one was was supposed to mail this packet of highly sensitive personal identity documents to a postal address in XXXX. For Experian, there was the request fill out a form, but no visible link to such a form so that one could fill it out. Also, the report that a number of executives of XXXX selling their stock shares in that firm before the public was informed of the security breach is major strike against the these people and this firm. I know this nation is facing major issues on many fronts, but the credit reporting industry impacts essentially all American  citizens and residents and now in a potentially very damaging manner. I recommend a Congressional investigation and the charging of the specific Federal agencies with oversight to seriously examine the capacity, competence, integrity, and key business models of the credit reporting industry. XXXX apparently does manage its business model in a competent manner. For XXXX and Experian, one has to have questions about these key issues. Finally, there is also a fourth firm, XXXX, that one was recommended to contact in a XXXX XXXX XXXX XXXX of Saturday, XXXX XXXX, XXXX, Business Day, pp. XXXX, XXXX.
Product: Checking or savings account

Used online app chat to request closure of a CD account within the grace period. Was told by agent the account would be closed and proceeds sent to my address of record within 7 to 10 days of closure. The check was never received and when I followed up with bank was told the account auto renewed. Now the bank is refusing to honor the grace period and waive early termination fees. The bank has no further recourse for immediate resolution as I was told the escalation department would take up to 10 business days to review the file.
Product: Checking or savings account

as of XX/XX/XXXX this year 2023  Chase bank ( jp morgan ) double charged my wife 's ( XXXX XXXX ) bank account in the amount of {$1100.00}, my wife did not have the funds for which Chase bank transferred the fund twice ( double payment ) on XX/XX/XXXX of this year 2023 resulting in a tranfer to my checking account of {$2200.00} from wife 's account. We contacted Chase bank both myself and my wife and notified Chase bank on XX/XX/XXXX of this year 2023. Chase bank declined acknowledge their mistake, instead Chase bank was blaming us their customer for their own mistake then Chase bank credited my wife 's account in the amount of {$1100.00} on XX/XX/XXXX of this year 2023. Chase bank then cause my checking account to go negative- {$10000.00} on XX/XX/XXXX of this year 2023. Again i contacted Chase bank and was advised i caused this issue, again Chase bank did not acknowledge their mistake and Chase bank did not warn me or let me know other charges would be returned. This happened after i made my credit card payment to XXXX  XXXX on XX/XX/XXXX of this 2023 the funds were taken out by Chase bank on XX/XX/XXXX of this year 2023 causing my account to be negative but that charge was returned never credited in my account and Chase bank also charged me insufficient funds fee of {$34.00} for that transaction but the fund of {$450.00} from XXXX  XXXX was never returned by Chase bank back into my account. Today XX/XX/XXXX i called Chase and again they were accusing me of causing my own account to go negative. I don't understand how Chase can take advantage of their customers with their own mistake, they need to return my funds of {$450.00} immediately and without excuses.
Product: Mortgage

To Whom It May Concern : My mortgage was recently sold to a new servicing company. Following are the new company contact info : The Mortgage Firm. 
XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX. 
Tel. XXXX. FAX # XXXX. 
While the mortgage was still under the previous servicing company, I made my payment there on time. Monthly payment {$2100.00}, Since the transfer of my mortgage, the new servicing company is stating that they dont have record of my payment to the previous loan holder and they are charging me interests and threatening to take my account to collection. I even provided them my bank statements as evidence of my payment. I need your assistance to resolve this issue. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Experian has failed 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 unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has either corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

On XX/XX/year> I submitted payment of {$460.00} towards the credit card balance. On XX/XX/year> the money was withdrawn from my checking account so money was received by target credit card issuer. On XX/XX/year> I was at the store and made a purchase of {$130.00} and the card was declined. I used another card at the store does not able to receive the 5 % off that the target card benefit has. I called the target card services and talked with a XXXX who advised me I have no available credit. Now my card limit is {$500.00} which is another story but just for reference. I advised XXXX I made a payment on XX/XX/year> and advised her the money was withdrawn on XX/XX/year>. She told me it can take time for payments to be credited to the account and credit opened back up. It has been 9 business days for this payment to be credited to my account. She put me on hold for 5 minutes and came back and told me to be happy she was able to get the payment credited to my account and I now have an available balance to spend. I asked her about the 5 % discount I had to not receive because I had to use a different card and she said there was nothing she could do and transferred me to client relations. Now XXXX at client relations was able to resolve the issue and gave me a rounded up XXXX $ gift card as credit to use at the store but I am not happy and feel the practices of target applying payments is deceptive and illegal. We also had a transaction last week that was declined that I didnt call on but I should have. The funny thing though is that yesterday I went to the same target store to buy a jalapeo and I was able to use my target credit card to charge {$0.00} for the jalapeo and I saved the 5 % and got {$0.00} off my purchase yet on my larger purchase I was declined. I feel like something is not right and I should not have to call to have my credit balance be updated when they receive payment.
Product: Credit card or prepaid card

Contacted Capitol One credit card regrading card account. XX/XX/2023 spoke to account rep explaining that I am dealing with a hardship lose of employment. I stated that I am calling to find out what my options are so that I am able to keep account in good standing with Capitol One. The account rep told me that I would qualify for a three month program that I would not be charged late fees. But, Capitol One can place on credit bureau that I am late with my payment. I contacted them early on so that I will not have to be faced with this issue. Asked what I can afford to pay but my payments are the same. So I feel that this option was not a resolution to resolve what I am dealing with a loss of employment. I stated I can't afford the payment that I have to pay at this present time. I was mislead within how this program was explained to me. No assistance on being able to stay in good standing with Capitol One credit card.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report. 
XXXX XXXX XXXX XXXX : {$480.00}
Product: Credit reporting or other personal consumer reports

Attached is a copy of identy theft report with the following fraudulent account and iquirys please remove immediately from my Experian credit report because it's against consumer law Fraudulent Experian account XXXX XXXX  XXXX Account # XXXX Ballance {$28000.00} Fraudulent Experian inquiry 's XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/XXXX/2023
Product: Debt collection

I have previously disputed this account and the Kross Lieberman has stated that they did not get the documentation even though I have previously attached the police report and id theft affidavit. I have additionally faxed prior to this complaint all the information pertaining to this fraudulent account
Product: Checking or savings account

I had a purchase on XXXX XXXX XXXX for {$32.00}. It took months to receive the item from the company and then when I received the item it was nothing like the photo, there wasn't even a hole for the button and I tried to contact the company. I emailed them every day for 5 days ( they had a 7 day return policy ) to ask them HOW TO MAKE return. They also had a " Contact Us '' form that I did for 5 days. When I got no response I went to Capital One where I have a checking account and said this was fraud. I saw online that many other people had to go to their financial institutions. Capital One credited my account. Months later in XXXX, Capital One then put the money back on my account. After over XXXX hours of conversations via phone they sent me paperwork to show me why. The company essentially sent them proof the item was delivered and that they sided with the company. This is a fraudulent company from XXXX and I can't believe Capital One does not protect their consumers. I sent proof I sent emails multiple times with the company. I sent a photo of the item and how the item did not look like the picture of what was delivered. It was a scam company I learned later on as I saw multiple people posted about this and their financial institutions protected them. I believe Capital One should provide the credit back of {$32.00}.
Product: Credit reporting or other personal consumer reports

It has just came to my attention that there are multiple hard inquiries on my credit report. I see that the inquirys are not done by me. Ive never applied for any of those. I tried to contact XXXX, XXXX and XXXX on XX/XX/2022 via mail. No one ever got back to me and the hard inquiries are still there on my credit report.
Product: Mortgage

I had financed an assumption mortgage with Wells Fargo around XX/XX/XXXX. I paid my mortgage from then until XXXX when I refinanced. I paid that mortgage for a full year until the last month of that refinance year, they dropped me and I had to refinance with a new lender for my mortgage that I had paid on time, with zero late payments for almost 6 straight years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Debt collection

My first time seeing outstanding medical " bills '' was on my credit report from a company called Medical Service XXXX in the amount of {$6800.00}. When I sent Medical Service XXXX a validation of debt letter ; they replied with only {$3600.00} all of medical bills that are covered by XXXX and XXXX for my children and XXXX small bills that were paid by my insurance company and my deductible. When I provided proof and ask them to respond with a verification of this debt to be valid and true in 30 days, there has been no reply. The company can not validate this debt because it does n't exist. I 'm requesting these billing be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect address and name on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There XXXX unrecognized charges on my credit report that I didnt make sound can you really upset they trying to buy a car in something else and a phone That kisss me upset and Im trying to get my credit record clean because in the future I wan na get my house and a car and anything because I have a baby on the way
Product: Credit reporting, credit repair services, or other personal consumer reports

This company SELENE FINANCE conspired with prev. servicer XXXX  to remove and disappear my Escrow acct upon transfer, Selene Finance is a D+/F rated company and has predatory practices. 
They then increased my mortgage by 24.9 % while I reported I was adversely experiencing hardship and have failed to address in any way the missing {$5200.00} escrow. 
Meanwhile, I struggled to pay the mgtg as a single homeowner and FT student and with stated reported XXXX  hardship. My mgtg was increased after stating hardship later that month to the amount 24,9 % max allowable increase by law : {$2400.00} from {$2000.00}! 
Eventually, after almost a year of this I brought the mortgage current in XXXX XXXX. 

During this period, they did not update online the amount due, and collected partial amounts which increased adverse reporting for XX/XX/XXXX due to not updating accurate amounts, when paid in XXXX, ( see attached 2 payments in order to get 1 payment to even show ) Stated on phone it didnt matter the partial amount showing and collected. I should have been shown delinquent one month less. 

I requested also multiple times for relief this extreme increase, last time was XX/XX/XXXX. It took 10weeks to receive the updated analysis, finally arriving in XXXX. As such recently they did reduced it, but totally failed to timely respond by having gave absolute no notice of action or a response or a new escrow analysis, leaving me uninformed of reduction, to falsely believe I had pay more than was due as a method of intimidation and lack of access.. I requested relief with the escrow analysis onXXXX but they never sent any information and stated no record of my call, which was the day of payment and of which I have paper notes. On XX/XX/XXXX I dictated specific wording requesting assistance, this company refused on XX/XX/XXXX call to read any notes and on XXXX stated not even a call had occurred. Continually erasing and failing consumers with harmful actions. I have just XX/XX/XXXX received the escrow analysis rerequested on XXXX but still yet no update of mortgage status I paid 3 payments and was current as of XX/XX/XXXX but they CONTINUE to falsely report me late more than 60 days as of XX/XX/XXXX I requested again for it to be updated and was refused assistance, customer service rep stating they had no ability to make a work request order for such. This occurred last on XX/XX/XXXX, when they call me on automatic dial. Supposedly my request was submitted but to date XX/XX/XXXX, there is no reflection of a simple request. 
I had currently paid over {$6300.00} in less than a week, and yet they still autodial harrassed me as if I am late. 
This action illustrates that they are purposefully not updating any information, continually trying to harm the consumer As of today, my credit reports last reporting from them XX/XX/XXXX and they have ignored my requests for accuracy. 
XXXX shows the devastating practices of this mortgage service and illustrates why they should be removed from doing business in the U.S. due to their predatory and harmful damaging consumer practices.
Product: Credit card or prepaid card

My personal information was stolen ( social security number ) and used to open a credit card account ( in XX/XX/XXXX ) with Navy FCU. I noticed this new account in XX/XX/XXXX. {$740.00} was charged to a credit card account. Navy FCU closed the account on their own after determining it was fraudulent. I am trying to get a letter from Navy FCU informing me that this has been resolved. I have not received anything yet. I sent a letter on XX/XX/XXXX. 

Thank you.
Product: Checking or savings account

I have received several emails ( including but not limited to ones received on XX/XX/2022 and XX/XX/2022 ) from Citi directed to me, as a holder of their XXXX XXXX co-branded credit card, an offer to open a " Citi XXXX XXXX XXXX Account '' and receive targeted opening bonus as well as enhanced features on the Card as part of having the saving account. I have tried several times to open the account online and had been met with a nondescript error message to suggest to me to try again later. I have sought help through their online tech support that did not fix the issue so I gave up. 

Upon receiving another email on XX/XX/2022, I tried again to take advantage of the offer and called the number provided on XX/XX/2022. It was a 40 minute phone call where I provided everything necessary to open the account and at the very end I was told by the Citi sales associate that they could not get the offer to apply in some sort of technical error. Upon a second attempt, they informed me that they can not proceed with the account application. I requested to escalate the call to get further support and was told that was not an option. I believe it is a deceptive and unfair practice to repeated market an financial product to a client and then being unable to fulfill such offer. 

This has consumer several hours of my time in totality, and in the meantime I have set aside significant funds in my checking account ( not earning any interest ) readying to fund the savings account to take advantage of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I was laid off from work I immediately contacted Volkswagen leasing Department and requested a 90 day payment deferment of my lease to give me time to get in contact with unemployment or get back to work.

After I received notice that I had been granted my deferment I called to confirm that no megative remarks would be placed on my credit report and that I wouldnt recieve any late fees. I was assured that none of the mentioned would happen.

After 30 days I noticed alerts showing up that My credit score had dropped and that it was because Volkswagen had reported my account delinquent. I contacted Volkswagen and they said it will be taken care of because it was done in error. Fast forward to today and now 60+ days past due and it was reported again further dropping my score at the end of my lease ao that I have no choice but to get another vehicle with them when I cant afford that now that i am working part time. please help as my lease will be up Next month. Thank you for any consideration. I will attach the letter stating that i was granted my deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card

My american express card was charged for a {$130000.00} on XX/XX/2023 transaction ref. # XXXX to XXXX. This transaction was not authorized by me, I have disputed this transaction with american express and XXXX, who processed the transaction. I have reached out to the merchant as well, who has been attempting to refund me the money but XXXX has frozen the funds and will not release the funds to either myself or the merchant. I need the funds released immediately from XXXX and refunded back on my american express card. OR, I need american express to reverse the transaction and remove the charge from my card. XXXX payment ID : XXXX
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX, ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Inquiries-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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My husband got a voicemail on his cell while he was at work but it was addressed to me. This call was from XXXX XXXX from the pre legal division of Alliant or XXXX XXXX  saying he attempted to call me two weeks ago and since then has not had any record of me returning his call. He said please keep in mind this is a time sensitive potential claim and this call was a courtesy for my input to be considered before anything is processed. He said my claim number is XXXX and to call him back at ( XXXX ) XXXX. 

I've gotten scam calls like this in the past and even fell for one and paid them money only to find out later it was a scam. 

Now I am very cautious about these calls and want everything in writing via certified mail if it is in fact a legit claim they should be able to provide me with this so I can have it reviewed by a lawyer before agreeing to pay anything.