23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$21000.00}
Product: Debt collection

called again by a person who said his name was XXXX XXXX too call this XXXXXXXX didnt say who he was calling robo call
Product: Mortgage

This complaint is submitted to force an inquiry into both Fidelity National Title and XXXX surrounding the events leading up to the refinaincing of my home located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

Short backstory : Initially I had erroneously thought that the continuing problems and erosion of my credit standing was due to the negligence of XXXX against whom I had lodged a complaint with the CFPB and the Texas Department of Savings and Mortgage Lending. After my complaint was received by the aforementioned agencies it was found that XXXX Committed no error in its reporting against my credit, nor in its handling of the payoff received from XXXX. 

After more months of waiting/searching for answers seeking legal consultation, I reached out to XXXX during the week of XXXX XXXX, XXXX and spoke with them. They relayed what I had heard before which is that Fidelity Title failed to request a new payoff statement prior to closing on my home in XXXX of XXXX. Had Fidelity National Title requested a new payoff, they would have found that taxes were paid between the time of the payoff statement and my closing in late XXXX XXXX XXXX. The bottom line is this : Had Fidelity National Title done its due diligence and requested a new payoff statement, they would have seen taxes paid and my refinance could have been pushed back a few days to make adjustment on the final closing figures. Instead, no one at Fidelity National Title of XXXX thought to go back and ensure the payoff statement was still good and the result is the credit of me and my wife being ruined and XXXX Mortgage wanting full payment of anywhere from {$4200.00} - {$7600.00} depending upon what document I look at. Either way, this could have been avoided and I am asking for an investigation into this matter to bring to light who dropped the ball and why. Moreover, we sold the house in question in XXXX XXXX and Fidelity National Title is pushing the matter off on to the buyer 's title company ( they had nothing to do with this matter ). There are no, nor have there ever been any liens against the property and consequently, the other title company being pulled into this mess has no play in this matter. 

This matter has so devastated my credit and my standing with the VA ad a XXXX veteran that I can not obtain a mortgage that will put my family in a better financial position. 

The entities in question are : XXXX XXXX, Fidelity National Title, XXXX FM XXXX, XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX and XXXX ( he is a manager ), XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AR XXXX ( XXXX ) XXXX ; have only successfully reached this guy once ( perhaps twice ), but he knows a bad payoff statement was used and has n't returned any of my calls since.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Transuion & Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax, Transunion and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Transunion and Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

Called my credit card issue Capital One Bank on XXXX to ask that they give me a grace period on my credit card payment. Was told they would not move back the date or waive the fee. Have always paid this card on time, and have never received accommodations from this company ( asked 1 previous time and was denied in XX/XX/2020 ). 

Seems predatory to be refusing to give any ground to people who are out of work, especially with pandemic. They already make great money from me from 17 % interest on my debt, can't afford these additional fees. Someone should tell these bankers that there are real people being hurt by their policies.
Product: Credit card or prepaid card

I cancelled a subscription service with XXXX XXXX, but Citi continued to pay them through my credit card. I disputed the charges twice on XX/XX/21, twice on XX/XX/21, four times on XX/XX/21, and twice on XX/XX/21. Citi decided they represent XXXX XXXX instead of their client, me, and sided with XXXX XXXX every time. I changed my credit card number, and Citi still allowed XXXX XXXX to charge my account. I called twice to inform them to stop paying, but Citi never stopped. The only way Citi would stop paying XXXX XXXX was for me to close my account, which impacts my credit score.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. 
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit card

recently, I had reviewed my credit report and noticed fraudulent accounts as well as inquiries, which I have no knowledge of please Can you remove this fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX Balance : {$20000.00}.
Product: Checking or savings account

On XX/XX/2020 I deposited my check of {$320.00} with my cash tips for a total of {$560.00}. 

They told me they'd be withholding my check for over TWO WEEKS before the funds would become available which puts me out of being able to pay my rent for nearly no reason. This check was a payroll check and has no reason to be withheld except for the fact my account is less than 30 days old. 

On top of already making less money due to the pandemic now I am sitting around wondering how I'm going to pay my bills until the middle of the month when my pay check from LAST MONTH finally becomes available to me.
Product: Money transfer, virtual currency, or money service

At the end of XXXX or early XXXX, my Branch App where I receive payment for driving for XXXX XXXX  was hacked and the bank information was changed. I was not notified that banking information had been changed. As I had done numerous times in the past, I transferred my paycheck to my bank account, however it was redirected to some account that I am not associated with. I contacted Branch to file a fraud complaint due to the fact that the app had been compromised, payment information changed, and the loss of nearly {$700.00} in pay. I was told there was no fraud. Again, I did not change the bank information. I had to advocate to even open a fraud claim. Finally, a fraud claim was opened and 7 days later in XXXX, I was told that the claim was found not in my favor. I requested information about the investigation, and was told there was no information to give. I called back in and petitioned to have my fraud claim looked at again. 

Here is my request, if investigated, I know it will know that I did not change that bank information. If verified with accounting teams, I know my name, social, address, anything, will not be associated with the account those funds went into with XXXX. It is my belief that a thorough investigation was not conducted outside of looking to see the authorization of the transfers out of the app. I did authorize those transfers as I thought it was transferring to my bank. AGAIN without my knowledge, that information had changed. 

If the claim is denied because I authorized those transfers to INCORRECT bank information, I would like that stated. But I would also like an answer to which XXXX address, device or otherwise changed that information within the Branch App. I feel that this is in violation of regulation e as stated by the consumer financial protection bureau.
Product: Credit reporting or other personal consumer reports

I need to urgently address a critical matter concerning my consumer report with EXPERIAN. Regrettably, there are accounts listed on my report that I never AUTHORIZED nor did I give WRITTEN consent for this information to be furnished. None of these accounts are connected to any transactions I authorized, and I have not gained any benefit from these reported activities. My attempts to rectify this issue have been diligently undertaken. I've submitted written correspondence to Experian, accompanied by irrefutable proof of my identity, an official identity theft report, a detailed identification of the erroneous information, and the requisite legal statement.

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective IMMEDIATELY. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC s 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.

If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

After Experian continues to ignore the facts and the law i have tried another way to appeal to them by sending the XXXX XXXX facts that these accounts aren't even being reported properly in that regard to remove them still to no avail. Here I am now I seek the immediate rectification of this matter to prevent any further complications or implications arising from this inaccurate reporting. Your swift attention and resolution to this situation are greatly appreciated.
Product: Checking or savings account

I am writing to dispute a charge of {$2100.00} to my debit card with my Bank of America account on XX/XX/2021. I went to XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX. I went for a XXXX ( XXXX XXXX XXXX ) and the assistants guaranteed me I would start noticing results within a week. It's very embarrassing, but I have been having this problem for all of my life. I read the reviews, I talked to the receptionist while scheduling my appointment for my treatment and the receptionist also told me they have helped people from different countries with the same issue and no one has came back or called to tell them otherwise. I took that statement as though this place will help my problem with XXXX. Upon scheduling my appointment, I did ask for a price range of how much the treatment will be and the receptionist stated they didn't know and I would have to discuss the treatment price with the doctor. I went to my appointment, took a XXXX XXXX and XXXX XXXX and again was guaranteed of my problem being resolved with XXXX XXXX XXXX After taking the XXXX XXXX, the assistant then told me how much the treatment will be and again stating it will be worth it because their treatment will help and diminish my XXXX. They also stated that I need to come back every three months, {$270.00} each visit. I paid for the service and left, that was on XX/XX/2021. After using the products that was given to me and following the instructions given, there was NO difference in my breath the following week, the next week nor the the next month. At this point, I feel like the company misrepresented their services to me. I trusted their word and believed without a shadow of a doubt that XXXX XXXX XXXX were going to help me and provide me a solution to my XXXX. I paid my hardworking money, saved as much as I could, still not knowing how much the treatment was, but still was able to give them my money I worked hard for. I did try to reach out to the merchant prior to disputing the charge with my bank, but I was told I need to come in but I would need to pay for the service. Why would I pay additional money for the same service if the initial service has not worked? Today is XX/XX/2021 and till this day, the treatment still have not worked, there is no change to my XXXX, it is still the same. I don't think it's fair if I didn't receive the service I was guaranteed for and the service I paid for, I didn't receive. Most banks do favor companies when it comes to situations like this. But what about the consumers, is there anything a consumer can do when this happens? 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months I've reached out to the CRA '' S with over 4 letters to remove a bankruptcy from my credit report. The account has not been investigated properly and it was not verified by the furnisher of this information. Public records have to be verified by furnishers of the information as any account listed on a credit report. They have failed in their duty. I contacted the courthouse and I was told - they do not verify with any credit agency. They even sent me a letter to confirm this fact. I have attached a letter to this compliant. Information on my credit report has to be verified with the actually furnisher and not a third party. The CRA 's are using third-parties ; thus, they have inaccurate information - and unverified. Delete the bankruptcy - you are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are in violation of 15 US CODE 1681 N XXXX placed XXXX unauthorized credit inquiries on my credit report. 
XXXX placed XXXX unauthorized credit inquires on my credit report. 
Equifax placed XXXX unauthorized credit inquiries on my credit report. 

Affidavits of truth were mailed on XX/XX/2023, pending response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Experian is reporting fraudulent inquiry accounts on my credit report. There is a XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that is not suppose to be there. Accord

ing to 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the an amount equal to sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I never gave experian a written instruction or permissible purpose to put this on my credit report according to 15 U.S. Code 1681n ( B ) Civil Liability for knowing noncompliance- any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. I have sent over my information that is needed including my identity theft report according to 15 U.S. 1681c-2.
Product: Credit reporting or other personal consumer reports

My debt was sold to a third party and it does not show as paid. It is supposed to be shown as paid for less or paid since it was already paid when the debt was sold. Accounts- self, XXXX XXXXXXXX
Product: Debt collection

The company is reporting fraudulent inaccurate information on my credit report. I have requested numerous times that they provide me with the purchase agreement to show full ownership of such an account and also other documents to prove such debt, In which, they have not. I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX & 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Back in XXXX, I was advised that my current company did not win a recompete for a XXXX contract, but anticipating this might happen, I began conversations with LoanCare in XXXX saying I might lose my job and won't know how my payments will be maintained if I do. Well, they wouldn't let me get into a forbearance program because I wasn't technically behind on anything, which I understood. I was able to get back on my feet for less than the XXXX months forbearance I requested, and was able to resume payments starting in XXXX, and made XXXX payment ahead of time ( XXXX ) to limit how much I'd have to pay back. Fast forward to today, XXXX XX/XX/year>, I received notification that LoanCare reported my mortgage to be more than 30 days past due, which is inaccurate, as I've made all of my payments on time ( normal mortgage payment plus the balance of what I owed spread over a 6 month period, ending in the spring ), so a total of {$2000.00} a month instead of the {$1700.00}. I was specifically told I was NOT behind more than once when I called in because I was in a payment arrangement, despite getting notifications I was- the representatives always said it was just an automatic notification I got through the mail saying I was late, but to not worry about them- so I didn't. My XXXX XXXX, while not stellar to begin with, dropped XXXX points today because of this alleged payment more than 30 days past due, and would like LoanCare to reflect that no payment is late, as I entered into an agreement with them to avoid this from happening.
Product: Credit card or prepaid card

I was incarcerated in XXXX XXXX XXXX. During the dates of XX/XX/XXXX through XX/XX/XXXX. 
During this time of incarceration someone used my Chime Credit builder card. 
I was unaware of these charges until my release from incarceration XXXX XX/XX/XXXX. 
At which time I notified Chime of the issue. 
A dispute claim was filed and investigated. 
There are 2 claims.

One of which I was told had been closed and Chime sees no error on statement.

The other claim is still open.

I was incarcerated during all charges made and in question.

How can I not be found not responsible for the charges made while I was incarcerated.
Product: Checking or savings account

Since XX/XX/XXXX, I have been trying to get the money that was taken from my account. Someone stole a mobile device that had all my bank account info on the device, allowing access to my account in which someone used to make purchases and transfer money out of my account. As soon as I had realized that transactions were being made without my authorization, I locked my card and transactions were still made even though my car should have been locked. I filed disputes with credit karma immediately, after customer service argued for hours, hung up on me. Then I receive an email saying that my disputes were denied. It stated that there was no errors made, but that is wrong. The transactions I disputed WERE NOT MADE BY ME, they were made using a device that was stolen. I did not give authorization for those transactions to be made which resulted in thousands of dollars being taken from my account. Not to mention the fact that throughout this process, I have lost a lot of money, lost access to my account, and could not even have the money that I had left transferred to anywhere else even though my account was clearly at risk. They offered no resolutions, no solutions or other options of any kind. They have the worst customer service, extremely rude, and unprofessional.they continue complicating things, giving the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX and never received a XXXX  the school was closed down and found guilty of fraud in 2016 I am not responsible for this alleged student loan and its pulling my credit score down tremendously.
Product: Credit card or prepaid card

Capital One closed my XXXX XXXX on XX/XX/2019 without any notice.This caused a lot of inconvenience to me as this was the primary card that I was using.This card carried an annual fee which they haven't refunded me.Also, a few months ago a merchant refunded me a concert ticket ( {$100.00} ). Capital One has refused to send me a check.