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

I live in XXXX, GA. I Tried to establish new Power service, and XXXX XXXX  could not check my credit with Equifax, they thought I had a frozen or block account, I called Equifax customer service XXXX 3 different agents they said I don't exist with Equifax, they don't have a file or any records, they told me to call my lenders and ask them to start reporting to Equifax, I did that called 3 different lenders and asked them if they could start reporting to Equifax, they told me that they do report automatically every month to all 3 Bureau credit agencies. so I called them back still get not help at all. interesting thing is I get a monitored credit check with XXXX by XXXX and they provided me my 3 scores every month, from XXXX, XXXX and Equifax, but no body from Equifax seems to care or neither know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called XXXX  I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX credit rating are still there but my rating was XXXX. Please help.
Product: Bank account or service

On XXXX, I learned from my friend about a Checking account promotion CITI bank is running ( XXXX XXXX points after meeting requirements within 90 days ). I contacted CITI bank on XXXX/XXXX/XXXX via their Online Chat and asked the representative XXXX to check my eligibility for the promotion. CITI representative asked me " Do I have a Credit Card with CITI ''. I replied " I have XXXX. XXXX of them are XXXX card ''. After learning that, CITI representative informed me " promotional offer is for all existing credit card client who does n't have any deposit account with CITI ''. I told her I do n't have any checking or saving accounts with CITI. CITI representative offered me the promotional offer code XXXX to use when opening the account. ( I have the Chat copy that i can provide ) I opened Gold Checking account by end of XXXX and completed all requirements by XXXX. On XXXX/XXXX/XXXX, I contacted CITI bank again by online Chat and asked CITI representative XXXX to verify that I completed all the requirements for the promotion. She took some time to verify but came back and confirmed all requirements are complete and I should receive my promotional points shortly. ( I have a copy of the chat ) After waiting few months and not seeing any points posted, I asked CITI representative the status of the promotional offer. They created a ticket for me and told me to wait for a response. I recently got the response from CITI bank saying " Promotion was invite only and I was n't Invited. '' When I replied back telling them about the conversation I already had with different CITI representative before and after opening the account, CITI stopped responding to my request.
Product: Checking or savings account

My bank, JP Morgan Chase, removed {$1300.00} from my account claiming that one of my payroll checks was deposited twice, both mobile and the live check. The money was removed 3.5 weeks after my mobile deposit was accepted and the original check was destroyed. I informed Chase that there records were incorrect and provided definitive proof that a live check was never deposited. My payroll check was issued from XXXX XXXX. I provided Chase with the XXXX XXXX account statement that issued my check, which showed that there was only one transaction for the check in question. Still, this was not adequate proof for Chase to put my money back into my account. I was informed that a live check deposit always trumps a mobil deposit. They told me I had to open a claim at XXXX XXXX too, which my employer did. It has been 13 days since I first contacted Chase about their error. I have made phone calls to the customer support number on my bank card and to my local branch. Customer support has no record of my claim, and my local branch refuses to return my phone calls. I've asked for updats or documents and I've been told there is nothing they can give me. I was given a claim number on a POST IT note, but Chase customer support informs me that number is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become a victim of identity theft. I contacted the Federal Trade Commission & credit bureaus XXXX, XXXX, and equifax and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this complaint and has been Faxed and mailed via Certified mail to the credit bureaus XXXX, XXXX, and equifax. 

In addition, I demand the following fraudulent accounts be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent accounts be deleted from my credit report immediately. 
Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit card

Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX Dear sir, I have received an email on XX/XX/XXXX from customer.service@mail.synchronybank.com. It attached a letter regarding the TJX Rewards Platinum Mastercard account number ending XXXX. This letter was addressed to me, XXXX XXXX, and it suggested me as a card holder. It also stated there was no billing statement from XX/XX/XXXX to XX/XX/XXXX. It said I had requested a copy of this card statement. However, since I do not recognize this card ending XXXX from the beginning, I strongly deny your company employees statement that I requested the billing from that period. My card with TJX Rewards Platinum Mastercard had the ending number XXXX. Due to the issues over the rewards certificates, which I stated that I could not use at all for months over several certificates and your company employee stated that I used them, simply the card offered by your company was closed. Your company employee ( s ) can see the process of this closure by logging in CFPB online. You can see that the billing statements were uploaded many times without my recognition which I felt disgusting. I remember your company stated once I had another account ending XXXX. I believe I never received the replacement cards both ending numbers XXXX and XXXX. Maybe, you have issued, and somebody received them since I have the delivery issues of XXXX. And I remember the XXXXXXXX XXXXXXXX employee at XXXX NY, XXXX, suggested to be deliver its card to the bank branch due to the concern of USPS delivery issue. He once lived in XXXX XXXX, XXXXXXXX XXXX same as me, the neighbor but I did not know him at all. I have a question why some impersonated person asked the billing statement inquiry from XX/XX/XXXX ; then, clearly, I did not have any issue with the card issued by your company. So strongly I can state this inquiry is void. 
I have one inquiry which is in issue with PayPal. PayPal and I had some refunds issue over one merchant. And the credit card issued by your company was used, while the closing of the card happened same time. Since PayPal states the credits were refunded to the credit card, your company should have the record of these transactions. I request to check these transactions happened either card ending number XXXX or XXXX. I request your company refund me by check, since I do not have any interest and wish to re-open and have your company credit card ; especially, because there is no reason to have it if I can not use the reward certificates. Then, it is much better to use the bank cards and get the points. 
I request your company will not ask the merchants employees to ask me to open the credit card of your company. I was so frustrated and angry one casher at XXXX in XXXX, NJ, on XXXX XXXX XXXX, asked twice to open the card and even asked me the reason. The closure of my card should have started by the purchase at this shop. You can check everything at CFPB online. 
Anyway, I demand the refund check of total amount {$220.00}. I enclose the copy of communication with PayPal ( no. XXXX ) on this matter as reference. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of the Equifax hack, there is a website to check if your information was compromised, and if it was, you can sign up for 1-year of free credit monitoring. I signed myself up, but I 'm unable to sign my son up online because he is under 18 ( he is XXXX, but has had a job, bank account and has paid taxes since he was XXXX ). 
I called Equifax ( 3 different numbers, I kept getting passed around ). They will sell me a " family plan '', but wo n't sign my son up for their monitoring services for a minor for free. 
They were n't able to explain to me why they sell a family plan, but are n't willing to provide the same service for free as part of the hack response.
Product: Mortgage

On XX/XX/XXXX we sent a Notice of Error to Freedom Mortgage stating that a number of Principal Only payments were not credited properly as we could see from the Payment Schedule we requested.. They responded and sent a Detail History dated XX/XX/XXXX. From that we were able to find most of the payments, but some were still missing and 2 checks for {$860.00} were never credited at all. 

On XX/XX/XXXX I called Customer Service and spoke to XXXX, XXXX. He helped me as much as possible with the limited information he had available. He suggested I send in copies of the cashed checks. So, on XX/XX/XXXX we sent a Second Notice of Error stating we were still missing the following : XX/XX/XXXX {$800.00} additional principal ; XX/XX/XXXX {$800.00} additional principal, and XX/XX/XXXX check # XXXX {$860.00}, # XXXX {$860.00} were not credited at all. ( I made the mistake of writing on both checks, additional principal. We also made an additional principal only payment of {$1700.00} on XX/XX/XXXX, which was credited correctly. 

We received a response on XX/XX/XXXX. They said the payments were verified and sent me a new Detail History dated XX/XX/XXXX. From this History we could see that a number of changes were done to manipulate the numbers. After 9 new entries added to XX/XX/XXXX we believe they gave a credit for {$800.00} and {$780.00}. ( not {$800.00} ) For XX/XX/XXXX they changed our XX/XX/XXXX regular payment of {$870.00} to {$860.00} and credited {$9.00} as additional principal. They have not accounted for the 2 missing checks of {$860.00} and never said they made a mistake. They just manipulated numbers and figured we wouldn't look at the Detail History and just take their word.
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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Credit reporting or other personal consumer reports

Reviewed my credit report and I disputed the XXXX  XXXX bankruptcy that was listed on my credit report. And they said that it was valid but they couldn't tell me how it was validated so its a violation of my rights it needs to be removed any any of the other accounts that are on my credit report asap I did reach out to the US bankruptcy court XXXX XXXX  of Illinois. The attached letter states the courts to not report any information to the credit bureaus so how did this information get on my credit report?
Product: Mortgage

I was contacted by a Wells Fargo employe, XXXX XXXX, who stated " I believe we may have a solution for you. '' I received paperwork from wells Fargo stating I would be eligible to utilize the VA disaster fund IF I paid {$7200.00}. The messagw left on my voice mail, that I still have, does not state of this is a guaranteed solution to my issue. Furthermore when I paid the mortgage in XXXX, I was under the 18 month window and actively working to utilize the VA disaster relief fund. Now that it's over the 18 month window Wells Fargo is offering me the VA disaster fund IF I pay the missed payments after the 18 month window. I feel as if I'll pay the {$7200.00} and be told by wells Fargo I am not eligible. Wells Fargo had ample time to provide me with a program of my choosing well before the window ended. Wells Fargo continued with practices that I did not feel comfortable with and on the advice of council refused to accept. 

I feel as if WELLS Fargo is continuing the practices that got them in trouble with the courts over the last ten years. Wells Fargo had been fined twice now in the last ten years for fraudulent practices and taking advantage of it's customers. It seems as if they are not stopping these practices.

I would like all missed payments added to the end of the loan, the APR to not change and the monthly payments to not change. 

Again I was able to pay XXXX, XXXX and XXXX mortgage payments but in XXXX I was told I wasn't allowed to make a payment. 

Everytime I reach out to wells Fargo I get a different person. Last time I spoke to an employee they told me they are in the executive office and the reason I was allowed to utilize the VA distater fund was because, and I quote, " it's a waterfall effect. '' I asked the woman if " waterfall effect '' was a legal term and she immediately changed the subject. 

Wells Fargo is continuing this practices if taking advantage of it's customers.
Product: Credit card

I am urgently appealing for the removal of this mistaken late payment from my account. My consistent track record of timely payments contradicts this entry, which is causing me unnecessary worry and distress. I urge you to swiftly correct this error by updating my account.
Product: Vehicle loan or lease

- possible mismanagement of my auto loan ( increased interest rates and fees )
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX decided to change the company they use to process the credit card they offer, which I had for years. They communicated my new card would arrive and the old charge would be cancelled. The new card never arrived and they cancelled the old acct. I called and they said they would send replacements cards. When the cards arrived I activated them but when my wife and I tried to use them they were declined. I called numerous times trying to resolve their issue they couldn't figure out the issue so I just said close the credit card acct. 1st issue, they showed the card lost/stolen on my credit report & my rating dropped. I asked them to code if so it didn't damage my rating and they wouldn't, the whole mess was their fault. I closed the acct XX/XX/2023 but when I looked at my credit report recently they show 30day and 60 day late payments XXXX? The cards, one marked lost/stolen, the replacement they couldn't get to work and I closed the acct months earlier with no activity on either since XX/XX/2023. I asked them to remove the late payment notices from my credit report and they won't. XXXX XXXX is not responding in good faith and has damaged my credit due to their incompetence. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope youre doing well. Im writing because Ive noticed an inquiry on my credit report that I absolutely did not authorize. I never gave them permission to pull my credit, and Im concerned this might be an error or even a case of fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently respond 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 complies with federal law and provides consumers with the necessary proof of investigation. The account in question is XXXXXXXX XXXX account number XXXX with a balance showing {$620.00}.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and remove
Product: Debt collection

The debt collection agency recently called my employer to find me. When my supervisor stated that I was unable to receive personal phone calls at work the agent on the phone became incredibly rude, and while she did not use obscene or profane language she was incredibly unprofessional. It was incredibly embarrassing for me to have to speak with my supervisor about this issue.
Product: Credit card or prepaid card

Re : Case Number XXXX The referenced case was filed concerning the late posting of my payment to the credit card account with First Progress Card. The initial payment of {$40.00} was made through my bill payment service with XXXX  XXXX XXXX on XX/XX/XXXX and posted to my credit card account with First Progress on XX/XX/XXXX, which resulted a late fee of {$11.00}. Subsequently, I made the late payment fee on XX/XX/XXXX via XXXX  XXXX XXXX which posted on XX/XX/XXXX to account with First Progress. I don't understand why it only took one to post the {$11.00} and it took several days to post the {$40.00} payment. Both payments were processed via bill payment service with XXXX  XXXX XXXX. Yet, Mr. XXXX XXXX, Vice President with First Progress Card, for lack of properly researching the issue, indicted in his letter dated XX/XX/XXXX that they have not received the payment mentioned in my complaint. I have done the proper research because this is a financial that matters to me and my family while managing through a pandemic. I included supporting documentation to substantiate my statements. Also, the payment for the balance of the account with First Progress card was posted on XX/XX/XXXX. It really disturbs me that I am penalized {$11.00} for timely payment and total disregard to this was demonstrated by First Progress during a global pandemic.
Product: Debt collection

On numerous occasions i've asked this company to verify my debt in which they have not done so properly and legally under the FDCPA. 
This company is illegally holding me to a debt that has not been verified using unacceptable practices.
Product: Checking or savings account

I placed an order for XXXX XXXX  at the end of XXXX that was never sent to me. I asked the seller for a refund in XXXX and was never sent the refund. I filed a dispute with USAA on XX/XX/XXXX and sent the appropriate evidence. 

I checked in multiple times with support and was even told that they had never even looked at it. They finally closed the dispute over a month later on XX/XX/XXXX after no communication and determined that the dispute was invalid.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested that missing accounts be added back to my credit report after they were removed in error. As of today, those accounts still are not being reflected. 

The missing accounts are : XXXX XXXX - XXXX XXXX XXXXXXXX - XXXXXXXX XXXXBank - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX