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

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

had a deposit ( XXXX ) on XX/XX/year> in the amount of {$420.00}. It is the XXXX deposit of this type that Ive had to my account in the last 6 months. This one was not released to me because it came to my fathers name. My father is my business partner and the payment is for a small business XXXX for XXXX. The payment has been held for review since then. The bank is saying they do it have a way to return to sender because of the type of deposit. However they will not release it to me. It has been over a month and after XXXX emails and XXXX phone calls there is no resolution. Only theyre trying to figure it out. The XXXX business days they have asked me repeatedly to wait has passed several times over. At this point I just need a resolution. They need to either return to sender or release to me. They can not be allowed to simply hold funds indefinitely. Can I please get some assistance with this issue. Thanks so much. 

I have to date contacted this company at least XXXX times by mail/ XXXX emails and XXXX escalation tickets have been created, to date nothing at all has happened. I have recorded phone calls where I have been promised resolution dates and then retracted.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all the the following incorrect information below with the following credit bureaus : XXXX, XXXX and Experian. All three have not responded or corrected the errors on my credit report. Its been over 90 days including follow up letters with no response. 

XXXX 1 ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX XXXX ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) XXXX. XXXX XXXX XXXX XXXX, VA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) 1. XXXX XXXX, two late payments XXXX. XXXX XXXX XXXX XXXX, one late payment 3. XXXX XXXX  4. XXXX XXXX XXXX XXXX ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) 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 EXPERIAN XXXX ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  ( three inquiries ) XXXX. XXXX ( two inquiries ) 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

Ive tried to have any fraud alerts including extended fraud alerts removed from my credit reports but all three CRAs havent removed anything. I also asked that the Personal Statement be deleted as well because I never asked that any personal statements be listed on my reports. Ive received confirmations that things are removed but when I try to verify a fraud alert was removed it had been turned into and extended alert. Ill include confirmation images below. Ive contacted all over the phone as well as electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute was received by all three credit bureaus ( XXXX, XXXX, and Experian ) and I have got to hear a response after 30 days. The initial dispute was sent on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact, but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. 

I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted, but XXXX has done nothing still. 

The inquires are Syncb/amazon Inquiry from XX/XX/2019 Syncb/walmrt Inquiry from XX/XX/2019 XX/XX/XXXX XXXX Inquiry from XX/XX/2019
Product: Debt collection

On XXXX, XX/XX/2019, I received multiple calls to two of my cell numbers. Called from a number XXXX, XXXX and XXXX. Left a voicemail with name of XXXX XXXX at XXXX ext XXXX. 

I did not provide the caller with my telephone numbers or receive a letter. Research the number on XXXX and saw multiple reviews of other consumers stating issues with this scammer. 

I.E. : XXXX XXXX XXXX reviews a month ago They had my phone number associated some delinquent account & they kept harassing me about a debt that wasnt mine. I tried calling back to speak to a supervisor & they NEVER answer the phone from XXXX XXXX XXXX 5 months ago So does you office close at XXXX XXXX or earlier on Fridays? I've been calling since XXXX XXXX and I'm getting a office closed voicemail. 


XXXX XXXX 11 months ago I set up my payments with them at the beginning of XXXX, the lady I spoke with was very nice she gave me a compliment and she was helpful with giving me details. I called in today XX/XX/XXXX to cancel my payment for the XXXX and start back on More 1 XXXX XXXX 3 weeks ago Very rude XXXX XXXX a year ago- Scam place do not pay! Currently in a lawsuit against them. They do not report to credit bureaus 2 XXXX XXXX 2 months ago I am being HARRASSED!!!!!!!!!
Product: Checking or savings account

on XXXX i scheduled a transfer with XXXX XXXX  to pull funds out of my marcus Goldmansachs XXXX. I received an email from XXXXXXXX XXXX  on XXXX XX/XX/2024 saying Marcus blocked/rejected the transfer, that was when i called Marcus GS and verified all information as well as them sending me codes to my phone number to authenticate me. they proceeded to say they blocked my transfer because I couldn't transfer my money as it was a new account ; the account was only 24 days old. I disagreed with that as i don't believe there is any law stating they could hold my money hostage the waiting period was over and all funds in there were available. So I asked them to close my account and return my money. They confirmed my account will be closed and over {$50000.00} that was sitting in that account will be transferred to the external account I transferred it from but instead the next day they locked me out of my account and have been giving me the run around the last two times i called. I called again this morning now they are claiming that my phone number which they have authenticated multiple times all of a sudden they cant verify it is mine anymore and thats why they dont want to give me back my money and have locked me out of my account so i cant schedule the money to be moved out of there. They then proceeded to ask for my DL which i provided & i was told my DL has been verified but it will take them a few more days to give me access to the account to move my money out of it. this shouldnt be the case i am not sure why this bank is making it hard for people to get access to their own money. when they were pulling money via ACH out of my other accounts it wasnt difficult now they are also claiming they cant verify the discover bank that they too {$40000.00} out of.
Product: Debt collection

I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It distresses me that the information included in my credit profile has not been maintained with reasonable procedures to ensure maximum accuracy, as mandated by credit reporting laws. The accuracy of credit information is crucial, and I believe every effort must be made to assure that information reported is entirely accurate and correct. I am specifically addressing the following information, which I request to be reinvestigated : XXXX XXXX XXXX XXXX XXXX. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. In the absence of such documentation, I insist on the immediate deletion of this item from my credit report.
Product: Vehicle loan or lease

A agreement was made with the company that if the vehicle was given back which was voluntary I will no longer be responsible for the vehicle spoke with someone and I was told I should not be liable for the vehicle because it was sold by the company
Product: Debt collection

this company is steady trying to collected a debt from me and dont even know this company nor did i do any business with them or signed any paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid-19 pandemic, I had put my mortgage with XXXX XXXX XXXX into a Forbearance Plan beginning in XX/XX/2020. XXXX XXXX XXXX clearly stated in our Agreement ( attached, Page 2 ) that they would not report my account to credit reporting agencies as delinquent. 

On XX/XX/2020, I sold the property and repaid the mortgage to XXXX XXXX XXXX IN FULL. One week later I received a notification from Equifax and XXXX that XXXX  XXXX XXXX had reported my loan to the credit reporting agencies as 90 days delinquent and my credit score dropped 83 points. I was in the process of refinancing the mortgage on my personal residence and that is now delayed because of this. With rates rising, XXXX XXXX XXXX is going to owe me compensation for this. They clearly are in violation of our agreement. 

I contacted and filed a dispute with Equifax and XXXX and they stated that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. '' I need to have this " delinquency '' removed from my credit reports and XXXX  XXXX XXXX needs to compensate me for losses sustained from not being able to refinance my personal mortgage at a lower rate.
Product: Mortgage

We were suddenly denied a loan that already had closing disclosures and all documents in place. It appeared we met all requirements and we had paid the {$500.00} processing fee. On the scheduled day of closing, I called my loan officer to ask how the closing was to take place and she seemed confused that the loan didnt close. She had no explanation for why the loan wasnt closing or why we hadnt been contacted about any issues. 

A few days later, on XX/XX/XXXX, we received a request for two months of consecutive bank statements proving {$250.00} in assets. We were confused, since XXXX already had the most recent two months of consecutive bank statements, which proved significantly more than {$250.00} in assets. This leads me to believe our account was mixed with another file. 

On the same day, before I could even send clarification, we got a statement of credit denial from XXXX. 

On XX/XX/XXXX, I sent a certified letter requesting information about the denial to the contact address provided ( I included my name, property address, and mortgage account number ). 

On XX/XX/XXXX, XXXX received the certified letter. 

CFPB guidelines state : The servicer must acknowledge your letter within five business days of receiving it. 

I still have not received acknowledgement of receipt. ( It is now XX/XX/XXXX ) CFPB guidelines also state : Generally, within 30 business days, the servicer must search for the information and either : o Provide the requested information in writing, or o Determine that the requested information was not available and send you a written notice explaining why they could not respond. 

I still have not received the information in writing or a written notice explaining why they could not respond.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX purchased the debt from the original creditor. So now I am requesting for the purchase agreement. Under the law I am entitled to received such information, I can't pay for a debt I no longer own and I never enter into agreement with XXXX XXXX XXXX XXXX. And also the amount reported on my credit report is inaccurate I do not owe said amount. I am asking again for the negative reporting to be removed from my credit report.
Product: Bank account or service

We have multiple accounts at Chase bank. In XXXX XXXX, 2016, at about XXXX ET, a fraudster used my wife 's stolen social security number and a fake driver 's license to have a debit card re-issued to her. This card was only used for a small account, but the banker attached it to any account to which my wife 's social security number was attached. Ultimately, through ATM withdrawals with that re-issued card and a paper withdrawal slip, the fraudster stole {$9500.00} from our accounts. This was done at a bank at XXXX XXXX XXXX XXXX in XXXX XXXX, CA. We live in XXXX XXXX, FL, nearly XXXX miles away. We received immediate fraud alerts as this happened, and even saw the money disappearing as we spoke to the fraud department on the phone. 

Since then, Chase bank has repeatedly denied our claims, causing us to re-submit the claims to have our monies returned over six times. They have given us temporary credit, then withdrawn it five times. We have spent nearly 30 hours trying to resolve this, both in the bank, and on the phone with Chase, and lost our own work time and wages, each time being told the situation would be investigated. Our accounts are in constant flux, and we do not know when we can pay our bills. In many cases, we 've been sent to senior managers who have escalated the claims, only to have them denied later. The process has been taking an inordinate amount of time, and the burden has been on us to constantly prove what happened and re-tell the story. We have police reports, an FTC report, and other supporting documentation ( as well as our local branch VP ) in support of these claims, not to mention the fact that the crime was committed very far away. Yet, because the ATM withdrawals were done with a re-issued chip card, Chase continues to deny us. 

Chase Bank is responsible for this theft in the first place. Their security measures are either wholly insufficient, a banker at the XXXX XXXX branch is distinctly unqualified or negligent in his or her job, or that banker is a simple a criminal who was complicit in this. Chase has made a disaster out of this for us, particularly as we are " Private Clients '', which is a meaningless distinction in a bank that is too large to serve any customer well. We are furious and tired. While we await proper return of our money, it is clear that Chase cares little for its customers.
Product: Debt collection

In reviewing a 3 in 1 credit report in early XX/XX/XXXX, I noticed that there were two collection items being reported by all three credit bureaus. I wrote to the bureaus on XX/XX/XXXX asking that these be removed as they were not mine. No action was taken so on XX/XX/XXXX, I wrote directly to Focus and XXXX XXXX to either validate the debt or remove it. While none of these companies ever wrote back to me, my recent credit in XX/XX/XXXX shows that XXXX and XXXX did eliminate reportings for both of these collection items. Unfortunately, XXXX continues to show this inaccurate information five months after I first asked them to investigate and remove it.
Product: Mortgage

We have been contacting Chase numerous times to remove our private mortgage insurance and each time they proceed with the process then refuses to have an appraisal actually come out due to different excuses each time. 
First time was XX/XX/XXXX when we have requested to reappraise the home because the value had gone up far more than 20 % of the loan so we can remove the PMI. We started the loan at XXXX and the Chase website itself appraised the house with an estimate of XXXX. The lender initially proceeded to move forth with the appraisal and we have summited a check for the appraiser to come out and they have cashed the check out. However, then, was told that they can not remove our PMI until we have made a significant improvement in the house. Chase website and the lender let us know improvements such as : in-ground pool, solar panels, etc - attached below is the document from Chase. 
Second time on XX/XX/XXXX we made a request to remove our PMI because we had gotten Solar Panels. Which is what they suggested would be a significant improvement for the house. The lender initially proceeded to move forth with the appraisal and we have submitted a check AGAIN - second time around and they cashed it out. Then again they came back saying they can not remove PMI because we have financed the solar panels. 
Although Chase reimburses our checks for an appraisal each time they change their minds, they are just not allowing us to remove our PMI. Under a conventional loan- we have the XXXX that protects us homeowners to request for a PMI removal when you reach 20 % home equity. We guarantee our home value is over 20 % of loan. Chase is forbidding us from removing our PMI and would like to escalate this to the Consumer Finance Protection Bureau.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX. XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Wrong Name And Adresses. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit systems is reporting negative results on my XXXX & XXXX and XXXX i asked all three credit bureaus for verification and original contract I never get a response this debt was sold to National credit system I have no contract with them and I asked for a 1099 for since it was wrote off and sold I never received the form.National credit system is adding a dollar to my account every month and take a dollar every month, i entitled to my consumer report and articles i asked for they are filing per FCRA 1681 e ( b ) they are using my information that I never consent to
Product: Checking or savings account

Banks wont let me open an account based on false problem with XXXX  XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX XXXX. 
Also, I had a problem with Wells Fargo years ago where they would not honor a refund check they sent me and was lost.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tried to set up services for XXXX XXXX and they were unable to get a report from Transunion due to them saying I do not have a report with them at all. I have called them on several occasions and they will not fix this issue.
Product: Credit card or prepaid card

Timeline of Events for Unauthorized Credit Card Navy Federal Credit Union Access # XXXX Account # XXXX Opened XX/XX/XXXX Two credit cards were opened ; one for XXXX XXXX the other for XXXX XXXX XXXX XXXX was designated as Primary ; XXXX XXXX was designated as Secondary all under the same account These credit cards were Visa Signature Rewards Cards Neither card was signed for by XXXX XXXX ( believe this was opened electronically and digitally ) XXXX XXXX never once was in possession of either card nor made any transaction with any credit card Payments were made periodically for approximately 9 months while XXXX XXXX and XXXX XXXX were living together Living location was XXXX XXXX XXXX XXXX . XXXX XXXX, Virginia XXXX Account went delinquent approximately XX/XX/XXXX XXXX XXXX upon realizing account was in his name files a police report for fraud with the XXXX Police Department Economics Crime Unit approximately XX/XX/XXXX XXXX XXXX also signs an Affidavit of credit card fraud and mails to Navy Federal Credit Union approximately XX/XX/XXXX. Navy Federal Credit Union Fraud department receives Affidavit and police report and conducts investigation XX/XX/XXXX Navy Federal Credit Union responds to XXXX XXXX with a rejection XXXX XXXX claim of fraud stating that credit card was opened almost a year ago and XXXX XXXX was well aware of all the charges since investigation traced back all to same address and that XXXX XXXX had signed on to his account countless times and only notified Navy Fed when card went delinquent. Essentially Navy Federal couldnt accept incognizance of XXXX XXXX