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

Each credit bureau failed to delete the following listed fraudulent inquiries within 4 days of the FTC filing. The FTC report was filed XX/XX/year> and should have been deleted by XXXX. These inquiries are currently still fraudulently reporting to each bureau. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 

XXXX, XXXX, and Equifax are also in violation according to 15 U.S Code 1681c-2, which states : a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been OVER 4 business days and XXXX XXXX EQUIFAX are in violation of this law because I am a victim of identity theft.
Product: Student loan

I received private loans to finish my degree with the University of XXXX. After successfully graduating, I have been unable to repay my loans as I have been unemployed and unable to find full-time work. I am no longer able to put them in deferment or forbearance and I am on the brink of defaulting because the loan provider has said I have no other options and I must make payments. Being unemployed and trying to pick-up any odd job possible while my wife teaches and I take care of my kids leaves me short of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, and XXXX XXXX Bank-XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, Chase notified me that they would close my account as they believed that my employer 's checks were fraudulent. I went to the bank branch in XXXXXXXX XXXX to show them that they the checks were real. They said they needed to verify the checks with my employer. 

When I called again on XX/XX/XXXX, they said it was too late and that they had decided to close my account. They said they would mail me a check with the remaining funds on XX/XX/XXXX. As of XX/XX/XXXX I have not received any checks and I will be leaving the country next month as I am working temporarily on a XXXX visa. 

I called again today, XX/XX/year>, and they would not provide any information about the location of the checks and they did not offer any other solution to the problem. I am still waiting to receive {$2600.00}
Product: Mortgage

I took the COVID Relief option through the VA and Midland Bank. I was told that all payments owed during that time would be moved to the back end of the loan. I was told on XX/XX/2022 that if I send in all docs for the program to the Midland by XX/XX/2022 that I would not face foreclosure. I needed to also send in a payment of XXXX which would cover 3 months I owed ( XXXX, XXXX, XXXX ). I did that. I even called that Midland from the bank to confirm that I have the info correct. I was told to use Acct # XXXX XXXX # XXXX. I did this via XXXX at Bank XXXX XXXX teller. I was even given a confirmation number. I did all this docs and payment on XX/XX/2022. Now I get a notice on my door that I am in foreclosure and Midland says " they can not find my money even thought Bank XXXX XXXX confirmed that the payment was sent accurately. I need your help. I am a 100 % XXXX XXXX  Please help
Product: Credit card or prepaid card

Fraudulent account opened in my name with a large credit limit and balance already posted. Contacted bank to suspend account. Account opened on XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I was served papers last week stating I was being garnished for a credit card from XXXX XXXX XXXX taken out in my name on XX/XX/2000. I was a XXXX XXXX XXXX XXXX at this time and I have never had a credit card in my name during that time. someone forged my name and I can not pay this garnishment. I am willing to do hand writing sample to compare the signature and prove it is not mine.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an inaccurate credit reporting issue on my Home Equity Line of Credit ( HELOC ) account with XXXX Bank. This incident marks the first delayed payment in my XXXX credit history. 

I have been a customer of XXXX Bank for over XXXX years, always ensuring timely payments, as my HELOC account is set up with automatic payments. However, while I was traveling outside the country, the automatic payment scheduled for XX/XX/year>, was returned due to insufficient funds in my XXXX Bank checking account. Unfortunately, I received no email or text communication notifying me of this issue. 

I became aware of the missed payment at the end of XXXX, when a friend who was checking my mail sent me a screenshot of a letter from XXXX XXXX the XXXX period had already passed. Despite this, I immediately logged into my account and made a payment of {$1500.00}. However, the payment was posted on XX/XX/year>, and was consequently reported as delayed to the credit bureaus. 

I also sent a formal request via postal mail to XXXX Bank, asking for this delay to be waived and for the reporting to be corrected, but I have not received any response yet. 

Given the circumstances : I was traveling internationally and did not receive timely notification from XXXX Bank about the failed payment. 
I took immediate action to make the payment once I became aware, well within the XXXX mark. 
This is the first delayed payment in my entire XXXX credit history. 

I respectfully request that XXXX Bank correct this error and remove the late payment from my credit report to prevent further damage to my XXXX XXXX. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue.
Product: Mortgage

We paid our mortgage payment over the phone and the rep applied a different amount to another person 's account out of my bank account! Then they called to let me know that our payment had n't been made. My mortgage payment was {$690.00}, they took {$1200.00} out of my bank account causing my bank account to overdraft and incurring {$140.00} in bounced check fees. I called numerous times and got the run around several times until I threatened criminal charges. The rep even lied to me stating the recording said my husband agreed to {$1200.00}. I was the one who figured out they applied it to another Nationstar account number. Then she back peddled and finally agreed to give us back the {$530.00} and I told her she needed to give us the {$140.00} in bounced check fees as well and she said she might be able to give me XXXX fee. I said no, she would give me all plus any more that would occur due to her delay. She refunded me the {$530.00} plus {$140.00} but in the delay in getting the funds, another {$64.00} was added in fees to my bank account. I faxed the bank statement to her and phoned her twice and left messages with absolutely no response in over a week. It 's only {$64.00} but it was n't our fault, it was Nationstar 's screw up. We want our money back!
Product: Credit card or prepaid card

Paypal Credit : Advertises 0 % interests if paid off within 6 months. If not paid, off the amount of interest that would have accrued over the 6 months will all be applied to the account. 

If there are multiple purchases on the account using this promotional offer, any time a payment is made it is not applied to the oldest purchase. Instead they allocate the payment to the most recent purchase in order to maximize the amount of promotional interests they can charge. 

When calling paypal credit about this, they say any time a payment is made I must call and wait on hold for 45 minutes to 1 hour, to direct them on where to apply the payment otherwise it will go to the most recent purchase.
Product: Credit card or prepaid card

American Express had an offer for me to upgrade my XXXX card to a Surpass ( Ascend ) card and spent {$3000.00} in 3 months and get XXXX XXXX points. I thought I did so in time, but I was mistaken and spent {$2900.00} by the cutoff. I did spend an additional $ 56+ a few days after the cutoff since I thought it was a couple days later, but had apparently made a mistake ( I'm XXXX years old, my memory is not what it used to be ). It was only {$1.00} off and I had made a mistake like this in the past and companies were always sympathetic and tried to help me as best they could, so I chatted with American Express. They told me that even though I had missed it by {$1.00}, if I spent the additional {$1.00} by XX/XX/XXXX, I could call up American Express and they would credit me the points ( as a courtesy ). I realized that the {$56.00} put me over {$3000.00}, and since this was done by XX/XX/XXXX, I called up American Express today to discuss. The supervisor I spoke with was awful to me, and reiterated over and over that they didn't care what the customer agent had said, I had missed it by {$1.00} and they would not fix it. I think I just got a bad supervisor but I don't have the strength to keep calling American Express for this, and my daughter suggested I file this claim with CFPB. I believe if a customer service agent makes a promise and I have that promise saved in a document ( and it can be seen if American Express checks my account history ), and I stick to the terms of that promise, American Express should honor it. I would hope that they could please take into account that I am XXXX and I try my best and hope that they will stick to the terms of their promise. I know I missed the spending by {$1.00} because my math was off, but it was spent only a few days after and the original customer service agent promised me that American Express would help me out ( I believe as an exception ). Please help me with this claim. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$780.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I had a business that I closed back in XXXX. After giving some time for all transactions to clear, Chase closed my account and sent me a cashiers check in the business name. With my business already closed, I have no way to cash or deposit the check. I talked to a specialist at my local branch ( XXXX XXXX ) in XXXX XXXX CA with no luck and then called their complaints number with the same results. I did all of this XX/XX/XXXX between XXXX. The check was for {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was in hospital for less than 3 hours for check up got let out gave them a XXXX XXXX insurance I have not received any mail due to me being homeless living in a RV then moved to XXXX I then moved back to XXXX  in XXXX as soon Covid then hit the United States in the year XXXX all the way to the present year of now XXXX it has now been cleared up. I was then hit with a collection it has dropped my credit score XXXX points I have not had the best experience with the California businesses bureau  as they threatened me and my credit Score, I asked them why they have sent me to collections in a five year span and the response from them was disrespectful and didnt help me whatsoever, the lady told me from California businesses bureau that they did me a favor and held it till the date XX/XX/XXXX. That is unprofessional and costed me a major drop in my credit after I been trying to make it better this whole collection came out of know where. With this being said the California business bureau wants me to pay {$1400.00} dollars Im still struggling and I would like this collection checked out and deleted off my report and would like a new credit report showing the removed collection.
Product: Debt collection

I have Zero old debts I had filed Chapter XXXX Bankruptcy and I was called, and threatened by Midland Credit Management that if the {$700.00} balance is not paid they will place it on my credit, this debt was included in my Chapter XXXX Bankruptcy and Midland Credit Management just recently reported the balance as a new debt. This is an illegal tactic which I find appalling. Please Delete the following listed below from my credit report. 
XXXX - MIDLAND CREDIT MANAGEMENT XXXX Date : XX/XX/2022 {$700.00} Midland Credit XXXX XXXX XXXX : XXXX East Big Beaver XXXX XXXX XXXX MI XXXX
Product: Debt collection

The amounts the representatives states I owed {$4100.00} that was not the amount that was supposed to be left on the amount. She then tries to offer me a lower amount to {$2900.00} then to {$2500.00} pay. I was not OK with any of those amounts at the end because I knew that I had already paid on the account which she couldnt find and she then offered me another amount which she states was the lowest that she can go, I asked cause she emailed this information to me and she stated that she could not send over and emails then took my number texts me a portal link and said Ill get a email after she tried to make me do a promise to pay XX/XX/year> 2025
Product: Debt collection

The reason for dispute is because Transworld Systems is reporting a 1st day of Delinquency of XX/XX/2016 on my credit report from XXXX. The Alleged procedure was performed on XX/XX/2016 so how can I be delinquent on the same month of the alleged procedure, Transworld systems has violated my hippa rights by totally ignoring any grace period and sending me directly to collections ruining my credit and preventing me from enjoying the benefits of a good credit, Attach to this dispute I am providing you a letter send from TRANSWORLD SYSTEMS where it shows the procedure and the date on dispute and a copy of this account on my credit report from XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express concern regarding the recent dispute results that I have not received. I specifically requested, through both the CFPB portal that all dispute results from ( XXXX/Experian/XXXX  ) be provided electronically via portal. However, I have not received any electronic communication, and I do not know where my personal information has been sent if they sent out mail without confirmation with me. This failure to meet my request puts my sensitive information at risk, as it may have been mailed to an unknown or insecure location, potentially exposing me to identity theft. Under FCRA 1681i ( a ) ( 6 ) and FCRA 1681g ( a ) ( 3 ), I am entitled to receive dispute results securely and in the manner requested. I demand immediate confirmation of my results and that all future communication be provided through the CFPB portal and/or ( XXXX/Experian/XXXX  ) portal as originally requested.
Product: Checking or savings account

I opened an account for XXXX XXXX XXXX, XXXX, a Florida company, into Truist on XXXX XXXX, 2024, and deposited a check for {$87000.00} into the account. XXXX XXXX was the bank manager that handled the deposit. I was told the check would be processed and funds available in 7-10 days. Beginning XX/XX/XXXX I visited the bank branch at XXXX XXXX XXXX XXXX XXXX to withdraw some of those funds, but was told the check had not cleared yet. On XX/XX/XXXX I was told the funds had cleared but were not available to be withdrawn, without an explanation as to why. Several days later I was told the funds were no longer in the account, but the branch manager was not able to provide an explanation. For the next few weeks I made numerous calls to Truist corporate offices and my local branch, and visited the branch numerous times to ascertain the whereabouts of my funds. In late XXXX I was advised by XXXX XXXX that Truist had declined to open the account and that money I deposited would be returned, but was given conflicting accounts as to how the money would be returned, and when. After repeatedly contacting the corporate and local offices, in early XXXX I was told that the money had been sent via check on XX/XX/XXXX, via regular mail, to my home address, with an explanation of why the account was refused and the reason for the delay. After several weeks of waiting for the check to arrive, which did not happen, on XX/XX/XXXX I asked the bank to cancel the check and issue a new check, and was told by XXXX XXXX XXXX at Truist HQ ( XXXX ) the bank can not cancel checks, but that after 3 months from the supposed mailing date I could claim the loss and petition to have a new check. In early XXXX I received a letter from Truist stating that it had declined to open my account, but included no explanation and no check. On the 3 month anniversary of the supposed issuance of the check ( XXXX XXXX, 2024 ), I contacted the local branch and corporate offices and filed their Declaration of Loss with the local branch. I was told a new check would be issued immediately, and I asked that it be issued by the branch, and was told it would. Following up with emails, calls, and visits daily since that point, I was told on XX/XX/XXXX that the check would instead be mailed to my home address. As of this writing ( XXXX XXXX ), my calls, emails and visits are either ignored, or I am promised that Truist is looking into it, and will respond to me by the end of the day, but I have never received an update or a status of the missing funds. The corporate office has contested receipt of my Declaration, though the branch manager has repeatedly confirmed that she received it and provided it to the correct parties at Truist. At this point, 4 months in, I have logged at least 50 phone calls, dozens of visits to the branch, and numerous emails, and have no answer as to where the money has gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I submitted request to Equifax by phone to place a freeze on my credit file. The option to place a freeze is buried in a hidden menu of options that can only be reached by pushing 0 several times with no prompts. Then after giving information ( SSN and numeric part of address ) system informs that request can not be completed. No instructions for mail or online are provided.
Product: Checking or savings account

I went into Navy Federal retail bank on XX/XX/XXXX and deposited an earnest money deposit refund check from XXXX XXXX. I explained to the teller I wanted to Cash it but was not able to since it was a XXXX XXXX deposit only check. She said it would deposited and showed a receipt verifying the deposit for XX/XX/XXXX and assured it would be in my account by that date. I woke up XX/XX/XXXX to an email saying my deposit was delayed for my protection & when I called XXXX the supervisor I spoke to was nonchalant and said they would not call to verify the check and would release funds on XX/XX/XXXX although they would be able to verify sooner. This is causing my significant financial harm since I put in a contract for a new home purchase over the weekend and need to wire my earnest money to the builder. Its also going to affect the payments I have on ACH & could cause an issue with my credit report.
Product: Money transfer, virtual currency, or money service

I used Cash App to transfer {$250.00} to another individual. The {$250.00} was debited from my bank account but he has been unable to access it so it remains in limbo. He can't get access to his Cash App account because access requires providing the number of the debit card that was used to open the account. The debit card he used was replaced some time ago and there is no way to know the number on it. Every time he has tried to access his account the process has ended with this question about the debit card number. He has contacted Cash App support and answered all the questions asked but the support bot can not help him. We have been asking for help for two weeks but it is impossible to get the attention of a person. When I submitted as support request, the bot told me to have the recipient contact support.
Product: Vehicle loan or lease

XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, set up an auto loan that included XXXX  XXXX  and instructed me to contact them if I paid of the loan early to receive a XXXX refund of the XXXX XXXX contract payment which was {$1200.00}. I didn't have the loan for more than 2 months before I decided to pay it off in full. 

It's paid off and I've contact XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX times in order to get my refund back but have received XXXX response. They won't answer my calls. The finance person is a man name XXXX who refuses to take my calls.