23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I called into Navy Federal XXXX XXXX to become a member to open a personal and business account with them. I was informed by the rep after being placed on hold that i needed to fill out a security appeal form because i had an account restriction associated with my ssn and birth date. I have never had an account with them before and this was my first time trying to open an account with them because my father is a member and has been for years. I am an identity theft victim already and have been fighting to get all of these things off of my credit due to fraud. I have filed a complaint with the FTC and now I am doing so with you all to try and rectify this. This is making it hard for me to get the things I need because someone is opening account or getting things in my name and i have no idea it is being done until I try to do something like open bank accounts or buy a car or get a home mortgage. I don't know what else to do at this point. I have put a security freeze on my info with all three credit bureaus.
Product: Credit reporting or other personal consumer reports

Re : Reporting Experian 's Failure to Verify Bankruptcy Information Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing to bring to your attention a significant concern regarding the accuracy of my credit report and the verification of a bankruptcy entry by Experian. I believe there is a discrepancy in their reporting process that needs to be addressed. 

The bankruptcy in question is as follows : Creditor Name : XXXX XXXX XXXXXXXX - Date of Bankruptcy : XX/XX/2015 Experian has verified this bankruptcy entry on my credit report, but I have obtained official documents from the bankruptcy court that clearly state they have not provided any information to Experian regarding this bankruptcy. This raises significant concerns about the accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) in the verification process. 

I kindly request that XXXX XXXX XXXX take the following actions : 1. Investigate the process by which Experian verified this bankruptcy entry. 
2. Request clarification from Experian regarding how they verified the bankruptcy information when the bankruptcy court states they have not provided any data.

3. If it is found that the verification process was inaccurate, request that Experian correct the information on my credit report accordingly.

I am deeply concerned about the impact of this inaccurate entry on my creditworthiness and financial well-being. Ensuring that credit reporting agencies comply with the FCRA is crucial to maintaining the integrity of the credit reporting system.

I appreciate your prompt attention to this matter and request that you keep me informed of the steps taken to resolve this discrepancy.
Product: Mortgage

i got this divorce- and my name is on the title or deed but not the loan- i was awarded the home- and now all i am trying to do is- utilize the successor in interest due to divorce- however they will not let me do anything- they wont talk to me- the house was going into foreclosure- and i had to file a chapter XXXX to stop the foreclosure- now the borrower who is a veteran who has some serious XXXX XXXX XXXX issues- has purposely tried to foreclose on the property by engaging in a number of distributing tactics- he is obviously under some type of undue influence. he abandoned the property 3 years ago- and i maintained the property- until- he started with the help of bankruptcy and divorce attorneys- placing the housing in an unneeded chapter XXXX 3 years ago- when i was paying he note. all i want is to be able to secure a loan modification through my chapter XXXX and move on- and refinance- giving him any moneys that may be due him- however i dont think he is deserving-but i will let the court decide this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax for Failing to Complete Dispute Investigation Within XXXX  Days I am writing to file a formal complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation of a credit report dispute. On XX/XX/year>, I submitted a dispute to Equifax concerning alleged debt. This dispute was submitted through Mail. Under the FCRA, Equifax is required to investigate and resolve disputes within XXXX  days of receipt. As of today, XX/XX/year>, more than XXXX  days have passed since I initiated the dispute, and I have not received any communication from Equifax regarding the status or resolution of my dispute. This delay constitutes a violation of the FCRA and has caused me significant distress and inconvenience, as the unresolved issue continues to negatively impact my creditworthiness. I have attempted to contact Equifax multiple times to inquire about the status of my dispute, but have received no satisfactory response. Given their failure to comply with the statutory requirements and their lack of communication, I am seeking your assistance in addressing this matter. I request that the Consumer Financial Protection Bureau take appropriate action to ensure Equifax fulfills its legal obligations and completes the investigation of my dispute promptly. Additionally, I request that measures be taken to prevent such delays in the future, ensuring that other consumers do not experience similar issues. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Equifax Information Services a hand written letter disputing five items on my credit report. This letter was sent via certified mail with signature receipt requested. I received the signature receipt back with a stamped date of XX/XX/2022. Equifax had thirty days from this date to review and verify the information being disputed, which they did not. As of XX/XX/2022, I had not received any correspondence from them. I sent another certified letter on XX/XX/2022, explaining that they did not respond within the thirty days allotted to them and that I was requesting the items under dispute be immediately removed from my credit report. I finally received a report of their initial investigation several days later but well after the thirty day time frame. After receiving my second letter requesting removal of all disputed items, they simply opened a reinvestigation and ignored my request to have them deleted. As of today, these items remain on my credit report from Equifax Information Services.
Product: Credit reporting or other personal consumer reports

I have a consistent payment history, and this late payment doesn't reflect that.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the fourth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$950.00} ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Debt collection

I have disputed this account 3 times, and it keeps comming back as verified. This account was deleted by XXXX  as unverifued please remove this account or send me a signed contract of this debt under FCRA section XXXX.
Product: Credit reporting or other personal consumer reports

A hard inquiry by XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, initiated by XXXX. 

A collection account opened by XXXX XXXXXXXX XXXX on XX/XX/XXXX, with an original amount owed of {$1200.00} from XXXX XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A collection account opened by XXXX XXXX on XX/XX/XXXX, with a balance of {$2400.00}, under account number XXXX XXXX. 

An installment account with XXXX XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX, with a high credit of {$720.00}, under account number XXXX XXXX 

An installment account with XXXX, opened on XX/XX/XXXX, with a high credit of {$2500.00}, under account numbeXXXX XXXX XXXX 

An installment account with XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$15000.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$2300.00}, under account number XXXX XXXX 

A revolving account with XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$180.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXXXXXX, opened on XX/XX/XXXX, with a balance of {$5300.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$460.00}, under account number XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Lender ( XXXX XXXX ) is showing a late payment on my account from XX/XX/2018 and this late payment have dropped my credit score about 40 points. I have never been late on my self lender account. Every month since I have gotten the account self lender automatically drafts the money out of my account so I was surprised that I got a late payment from them. That is almost impossible to happen if they are using the same account information every month to draft the payments. When I did contact Self lender about the reporting of a late payment on my credit they said that they tried to call me and left me a voicemail. That is a lie I have never received a call or voicemail from self lender. I check my voicemails everyday. My credit is so important to me if I had known that there could of been an issue with my account I would of done everything to fix it. I was never late on my self lender account. This company is very unprofessional and I would not be recommending them to anyone.
Product: Debt collection

I haven't had an account with XXXX  since before XXXX  ; they attempted to say I had a debt with them, but I paid everything on time and returned the equipment. I have been living with my cousin the last XXXX years and all internet is in her name. XXXX  sold the " debt '' to I. C. System, INC years ago and I. C. System, INC. keeps renewing the account date, which is putting a strain on my credit.
Product: Credit card or prepaid card

Paid off my Chase XXXX card in full by the due date. Balance paid was {$2300.00} on XX/XX/XXXX with a personal check at the local branch in person, XXXX statement confirmed payment date. The due date was XX/XX/XXXX. The following month was billed for interest of {$17.00}. I have paid my balance in full hundreds of times on various cards over the years and have never had an additional interest charge on the following months statement. I contacted Chase XXXX after discussing the issue with our local Chase bank branch manager and was told that the interest was due. In my opinion, they are literally committing fraud on potentially millions of accounts. Would appreciate a refund in full, a letter of apology for the fraud they have committed against me, and XXXX to be financially penalized for fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was a fraudulent charge of {$53.00} on my PayPal account. I filed a dispute and within hours they closed my case without giving me another chance. The so-called seller has no valid contact and obviously the item wasnt shipped. Also threw my investigation I found that not even XXXX  can locate this seller to file a dispute. There are multiple names to the seller and no way to contact them. {$53.00} was taken without my permission and obviously a scammer is holding my money and PayPal absolutely would not help me and said that they already closed the case and there is nothing I can do. I can prove to you that whatever items said being sent were never sent it was just somebody taking my money. XXXX is one of the names and it can not be located anywhere. The other names are written in XXXX.
Product: Credit card or prepaid card

While I have an outstanding credit rating ( 820+ ), and more than enough income, I did not qualify for the lowest advertised APR. I first applied for the card on XX/XX/XXXX, and my application was accepted immediately. I contacted XXXX XXXX/XXXX XXXX customer service that same evening looking for an explanation as to why I didnt qualify for their lowest APR advertised. They could not explain why I personally didnt receive the lowest rate, and offered no transparency or any avenue to lower my rate or get more information.
Product: Debt collection

Section 609 states that I can see any sources or documents you have on record regarding this account, including the original contract bearing my signature. 

Please send all documents to the above address within XXXX days of today. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Checking or savings account

On XX/XX/XXXX, my phone was stolen. While in possession of the stolen device, the thieves were able to change my XXXX password and FaceID. Presumably they used XXXX of these to initiate a XXXX transaction from the Citibank Mobile banking app in the amount of {$2500.00}. Upon reporting fraudulent transactions to all other financial institutions, including Citibank 's normal checking services, other teams worked with me to collect information and resolve the disputes under the The Fair Credit Billing Act ( FCBA ). Even after following up, when Citibank Mobile fraud failed to ask for sufficient information regarding the status of the case, I sent information regarding the details of the police report I filed of the stolen device to XXXX XXXX XXXX, as instructed. I received no response, and once again had to call in to receive a status update regarding the case. I am extremely frustrated that Citibank is unresponsive, and is in breach of The Fair Credit Billing Act ( FCBA ). In addition, Citibank 's bank fraud team seems to not have their records in order, as they have accepted XXXX fraud claims and not the XXXX  in the same amount as XXXX of the claims, thinking that it is a duplicate transaction, in the amount of {$240.00}
Product: Consumer Loan

I am making {$100.00} payments to Springleaf Financials lawyer, XXXX XXXX XXXX, XXXX. I was unaware I was being sued when I called to set up the payments last month after getting behind. This month, Springleaf closed my account and I was served papers on Sunday. The original amount financed was {$3100.00}. They are suing me for sum of {$4200.00}, less interest of {$780.00}, less insurance of XXXX + attorney fees of XXXX with a CONTINUING RATE OF INTEREST OF 35.99 % UNTIL PAID.
Product: Mortgage

This is in addendum to the compliant filed a few days ago against Carrington Mortgage Company LLC. 
XXXX. The higher figure they are requesting me to pay is based on if if I allowed them to do a loan modification for me which they did not. 
I have copies of the papers where they dated I would pay $ the higher figure of {$1900.00} and some change. 
XXXX. XXXX XXXXXXXX stepped in and made my mortgage current by giving Carrington. The funds needed to keep my mortgage payment at its current rate, which was stated in the previous statement sent in the complaint on Thursday of last week to Carrington.. 
XXXX. Ive spoken to the FHA, and Carrington knows the rules that when a mortgage is caught up, the payments go down, which I will supply proof of that they do not go up and Carringtons to stop playing games, trying to take advantage of a situation and make extra money has been turned around from a negative to a positive. 
Mortgage payments do not go up as money is paid to decrease the debt. 

I dont think the departments within the company speak to one another as you can see the various discrepancies that were presented in the previous complaint on XX/XX/2023 concerning this matter .Hopefully XXXX XXXX XXXX and other senior officers get on board and do the ethically right thing toward God and me. Cheating people is not right! nor an ethical practice for a business They signed a legally binding contract with the state of New Jersey, which was submitted in the previous complaint of what my correct mortgage payment should be and I expect Carrington to honor it. Mortgage payments do not go up they go down. My mortgage payment is an FHA and it is not variable or based on what they think it should be. I would suggest that they rethink their methodology, and the way they do business with the public.
Product: Checking or savings account

On XX/XX/XXXX, I added an external account to plan a future transfer on my Wells Fargo account. On XX/XX/XXXX, I was told my online account was restricted even I just added an external account and didn't initiate any transfer. When I called for help with accessing my account, I was told I must go to a branch to prove that external account was mine to lift the restrictions. That external account of course belongs to me and I can verify that account is mine by providing my account number, but they insist that I must go to a branch to prove it. The problem is that I have symptoms of XXXX  and XXXX  and I do not want to get in touch with any other people to have them XXXX. When I ask if there is any alternative way, the rep said I MUST go to a branch to solve the issue. When I ask if they can close my account and mail a check of my remaining balance to my address, they repeat that I MUST go to a branch to solve the issue. In this way, I can not go to a branch and I can not get my money back from Wells Fargo, so I am here filing a complaint about Wells Fargo Bank.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting

I recently requested a copy of my credit report and noticed Equifax has reported inaccurate account XXXX on my credit report that does not belong to me. I have disputed to them directly pertaining this issues.
Product: Credit card

On XX/XX/XXXX XXXX XXXX ET I made a payment transfer from my Citi checking account to pay off part of my Citi credit card statement for a payment amount of XXXX . I immediately recognized an issue when the transfer did not reflect on the credit card side while taking money out of my checking account as it has normally been an instantaneous process beforehand. I then called later on XX/XX/XXXX to simply follow up about the issue. I was told to give it 24-48 hours as its the weekend. Come Tuesday the XXXX the transfer is still not reflecting on the credit card side. Worried, I called again, where I was then informed that the credit card company can not find my payment. So now XXXX $ has left my checking account, without reflecting on my credit card statement, and the credit card company can not locate where my $ went. I was told that my XXXX $ mightve been sent to another persons account, which then baffled me. This seems like a huge violation of my rights and trust as a consumer, as I have my life savings in this bank. I still not have gotten what was told to me as a conditional credit, which frankly is disrespectful that I have not received credit for a mistake in their end and they call it conditional as if they are doing me a favor. The senior account manager told me an investigation had started but never gave me the number. Today on the XXXX I went in person to my local Citi branch. An investigation was also made on the banking side, with the case # XXXX. My local banker said that he has never seen this issue happen in his 13 years of banking and the woman on the line was equally confused. Im honestly pretty worried as I dont feel like I can trust my bank with my $ anymore and dont know how to navigate this field. I was just trying to pay off my credit card like I always do and would just like this issue to be resolved. I am not trying to make any more payments on the card as Im not sure they will even go through, and am now having automatic payments due which I do not want to miss as Im very punctual with my payments. If I could get the proper assistance that would be great as I just want this to be over.
Product: Money transfer, virtual currency, or money service

I purchase three money orders for an apartment deposit. I did not get the apartment so they refunded me my original money orders I went ahead and deposit my money orders through the bank the bank accepted my money orders and sent it to the company decline my money orders saying that they've been altered and that I need to get get it notarized and sent in the notary letter as well as copies of the money orders and my request for a refund I did that nothing I called today and was told that I need to pay {$15.00} for each money order request and they never received my emails but the first two representatives never told me that so they're holding on to my money which is XXXX and XXXX dollars every form they told me to do I did it and when I call the next person will tell me that I was given the wrong information that I needed to do something else so it feel like I'm getting the run around