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

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

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Incorrect addresses and Phone numbers on transunion. They would not help me. They validted my identity by phone but put a hold on my acct. online, Customer service person would not give me and reference info on who she was : Name, I 'D. or location. I asked for supervisor and was put on hold and then hung up on. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is not a valid address for me. I have never been to XXXX XXXX XXXX XXXX, XXXX, XXXXA XXXX XXXX XXXX XXXX, XXXXXXXX XXXX are not valid addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). I sent out a letter to kindly ask all XXXX credit beaures to verify a credit report which it came back as accurate. I also did a a very good research on my own on my credit report just to find out that the information these credit beaures say its accurate was improper and inaccurate credit report. The Account is as follows. 

Account Name : XXXX XXXX XXXX Account Number : XXXX I have also attached files below incluidng me sending out certified first class letters to these beaures.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

I previously submitted a complaint ( XXXX ) on XX/XX/XXXX about an erroneous payment in the amount of {$450.00}  posted on XX/XX/XXXX. I originally called Chase Bank on XX/XX/XXXX to schedule a payment on XX/XX/XXXX. I am now submitting an additional complaint due to a second ( 2nd ) erroneous payment in the amount of {$450.00} posted on XX/XX/XXXX. I have attached both XXXX  XXXX XXXX messages indicating the payment attempts and the {$35.00} NSF fees. I now have been charged a total of {$70.00} in NSF fees for two ( 2 ) payments that I never authorized. 

I contacted Chase Bank today, XX/XX/XXXX to explain that I received a second ( 2nd ) notice from my bank about an attempt to withdraw funds. The Chase Bank rep explained he did not see a second attempt in their system. The Chase Bank rep then explained that it is standard for a second attempt for payment to be made and that it is automatic. I asked if this call was being recorded and he indicated that the call was infact being recorded. The Chase Bank rep explained that Chase Bank has an expectation for customers to have funds available when a payment is made. The rep explained I signed a disclosure agreement that a payment will be attempted twice. 

I explained to the Chase Bank rep that as a customer, I too, have an expectation for the payment to take place on the date that I requested. After the Chase Bank rep said he is aware of my original complaint and wanted to know why I was calling again today. I kindly explained to the rep that I had received a second ( 2nd ) notice from my bank of another NSF {$35.00} fee on XX/XX/XXXX. The Chase Bank rep stated that I should forward the  complaint to them so they could determine if a refund is required. 

I am now out of {$70.00} in NSF fees due to two ( 2 ) separate erroneous attempts to take a {$450.00} payment on my car ( XX/XX/XXXX and XX/XX/XXXX ). I have been disparaged twice now  from these Chase Bank reps as they explain to me company policy. I'm not sure what to do at this point. I haven't even received a response from the first error. 

Additionally, I requested to have all my financial information removed from their computer systems. I can't afford to have Chase Bank in possession of my banking information. It literally is not cost effective. 

I am literally out of ideas on how to deal with Chase Bank. I don't think they have a clear concept of First Call Resolution or Customer Centricity. I believe they desire to take care of their customers. I also believe they have many concerns internally that need immediate attention.
Product: Credit reporting or other personal consumer reports

I looked at my report and on XX/XX/2023 I sent a letter to XXXX, eqifax and XXXX XXXX to reinvestigate my accounts. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On  XXXX   XXXX , 2017, I contacted   XXXX   in reference to {$200.00} collection debt that is placed on my credit report. The amount was  XXXX  out by  XXXX . I contacted   XXXX   XXXX   XXXX   .  on  XXXX   XXXX , 2017 and spoke with   XXXX   XXXX   XXXX   to have the negative entry removed from all  XXXX  credit bureaus.   XXXX   XXXX   XXXX   asked me to email him proof of the returned equipment and he was going to rectify the problem, No change was done. I sent another email on   XXXX     XXXX , 2017 and received no response.
Product: Debt collection

I asked XXXX to come to my house and install a landline. A representative came but he had a hard time finding outlets ( I think - maybe the problem was different ). The costs were also unclear to me. I told him not to install anything - that I did not want their service. The serviceman was very nice and cooperative. He agreed. He left. Then I began getting bills from XXXX XXXX XXXX for {$100.00} for service. I never had a phone from them. Never had a phone number that could even have been used. I called XXXX and spent hours on the phone. I was told that I did not owe them anything and that it had been taken care of - not to worry about it. I received another bill and repeated that process again - called - spent hours on the phone and they said it was taken care of. I received yet another bill and repeated the process AGAIN. I was also told not to worry and to ignore any further bills because it takes a while for information to move around the company. I just received a phone call from a debt collector : Diversified Consultants. XXXX I am being hounded by XXXX XXXX XXXX and it is THEIR mistake - not mine. I never received any service from them.
Product: Credit card or prepaid card

I did not authorize these accounts to be open. These accounts are fraudulent. 
On my credit report. XXXX, Experian, XXXX  XXXX on XX/XX/XXXX amount : {$450.00} XXXX XXXX on XX/XX/XXXX amount : {$700.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX amount : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did never open this student loan I have not attended school since XXXXgh School so please remove this account from my credit report thank you. This is Fraud
Product: Mortgage

As a result of Suntrust Bank 's transition to Truist, they have incorrectly applied my payments on my HELOC account and, as as result, have suspended my credit line AND reported my account as delinquent to the credit bureaus. MY XXXX score has gone from XXXX to XXXX based on their mistake. I have NEVER missed or made a late payment on this account, or any other for that matter.
Product: Debt collection

I sent in 3 written request for the company to remove the unverified account that was on my credit report in violation of 15 U.S.C. 1681 or provide me proof of verification. In the results of the 3 investigations, they stated that they " verified '' that these items are being " reported correctly ''. but they didn't provide the information i requested as to Who in their company verified these accounts. How they verify them, The name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Or they didn't Include the documentation that was used to verify the dispute. XXXX removed this account from my credit report because it's not my debt and its unverifiable.
Product: Mortgage

I have been living in XXXX, IL for about three years and decided to buy a house near XXXX this year. I contacted several lenders and finally used Guaranteed Rate ( " GR '' ) as my lender. They went through the application process and set the closing date on XXXX/XXXX/XXXX. From it I encountered a couple of very bad experience with GR : 1. GR failed to send me the required document, which resulted TWICE closing date delay. From XXXX to XXXX. And then XXXX to XXXX. I had to rearrange the furniture delivery, floor refinishing, moving date, and XXXX inspection. 

2. GR failed to obtain my and my wife 's tax return because they did not send the correct address. In the end I and my wife obtained our tax return and sent to them. They could not get this easy job done. 

3. I paid {$420.00} for appraisal fee to GR and GR promised it would refund it to me. I have not received it. I asked GR and they told me it was refunded at closing. I sent them the Closing Document to prove the {$420.00} was not refunded and they were wrong. No response thereafter. 

4. Because of the twice delays, GR 's sales manager, XXXX, talked with me and promised to give me a " sorry credit '' of {$560.00}. I have not received it. I waited one month after the closing and called my contact at GR. He hung up on me and said he did not know what XXXX promised to me and let me talk with XXXX. One day after, the other staff at GR told me XXXX was no longer working at GR. All staff at GR were trying to avoid me. 

In conclusion, GR did not refund me {$420.00} and did not send me {$560.00} as its promised " sorry fee. '' I did not receive a response from its manager, and I do n't believe I can solve this problem with GR by ourselves. Please help.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure the accuracy. 



Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I filed CFPB Complaint ID # XXXX and XXXX against XXXX 's XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX had improperly XXXX XXXX hard inquiry on my XXXX credit report in XXXX with a credit line increase request. ( The date of the inquiry is also XXXX. XXXX. ) XXXX 's took honest and ethical action by immediately agreeing to delete the hard inquiry from my XXXX credit report. As of XXXX XXXX, this hard inquiry still remains on my XXXX credit file. This is the second time that XXXX and XXXX of my several XXXX credit cards have had issues " communicating '' concerning errors on my credit report, and each time XXXX blames XXXX on the creditor, when it's XXXX who has consistent issues removing inaccurate data when requested -- and this time is no different. I have attached a screen shot directly from my XXXX XXXX XXXX credit file -- obtained directly from their website -- that shows the XXXX XXXX XXXX XXXX hard inquiry is still reporting, and thus negatively impacting my XXXX XXXX. I believe XXXX has had sufficient time to remove this inquiry when asked to do so by XXXX XXXX. I have also attached the letter from XXXX 's that indicates they have requested the hard inquiry be removed from XXXX. I will not be caught in a back-and-forth game between the XXXX and XXXX, XXXX XXXX XXXX XXXX blame XXXX other for why the hard inquiry has not yet been deleted. I firmly believe, based on XXXX 's track record of failed investigations and improper management of consumer credit data, that it is them who bears the responsibility for this hard inquiry remaining on my credit file.
Product: Credit reporting

I have several ( XXXX ) inquiries on my account that are unauthorized and the credit bureaus will not delete inquiries
Product: Mortgage

Earlier this year, I was alerted to the fact that my property taxes had not been paid for XXXX or XXXX. When looking into this I found that my mortgage loan had the incorrect parcel ID and address applied to it. 

My title and title search both had the correct address and parcel ID so I was able to verify that all the original documentation that was submitted to them was correct. 

I contacted the mortgage company about this error and they corrected the address and parcel ID on my load and got the taxes paid. 

However, they are now trying to charge me for the erroneous payments and refusing to credit my escrow account for the misapplied funds. I have contacted them several times about this issue and they have not taken any action to correct this.
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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Going through the XXXX wavier process I did the paper work, submitted, my loans went from XXXX to Fedloan. Before XXXX they were with XXXX. I received an email with the case number : XXXX from Federal Student aid stating that I put the wrong EIN number for XXXX XXXX XXXX. However, when I reviewed the forms I submitted to Fedloan, that EIN number is NOT THE ONE Federal student aid is saying I submitted. Now they are telling me they closed my case because of the number mix up. Ive called them, they told me to call fedloan, I called fedloan, they told me its a student aid issue. Im getting screwed on this deal just like the other thousands of Americans have been. We are always lord to and it is getting old!
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed some fraudulent accounts on it along with hard inquiries ( XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Pleas remove these fraudulent accounts and hard inquiries from my credit report they are hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

XXXX XXXX ( ) said that there are no upfront fees for the service they provide. They are paid by receiving a portion of the reduced settlements they negotiate on your behalf. I recently cancelled by account with them, because I didn't feel like they were actually getting results. Upon cancellation they informed me that I would receive the funds in my deposit account in 14 business days. I spoke with them on XX/XX/2022. I have yet to receive my funds as of XX/XX/2022 and when I checked my account with their partner Global Holdings LLC ( XXXX ) There is a small amount of the money that was being deposited with them left in my account. They claimed to have made a payment to one of my creditors ( XXXX XXXX XXXX ) on XX/XX/2022. According to my most recent credit report dated XX/XX/2022, there have been no payments made to XXXX XXXX XXXX. Some other payments are showing to a creditor ( XXXX XXXX XXXX ) that I do not recognize.
Product: Student loan

I made an electronic payment via bill payer with my financial institution in the amount of {$320.00} which was debited from my account on XX/XX/2024. The loan servicer has not applied this payment and shows my loan as being past due. I called to find out where the payment was and the representative insisted that it had been mailed to the wrong address. I informed her this was not possible, but was not provided any further assistance. I confirmed with my financial institution that the payment was successfully sent in the exact same way as the XXXX and XXXX payments, which were applied to my loan account. My financial institution sent the loan servicer a letter confirming all of this. They still refuse to locate and apply the payment.
Product: Money transfer, virtual currency, or money service

I am writing to formally escalate a critical issue regarding a missing Zelle transfer that has remained unresolved for over three weeks. I purchased a car, and transferred the agreed-upon amount via Zelle to sender. Before initiating the transfer, both of us verified that the recipients phone number and name were correct. Despite this, the recipient never received the funds. Summary of Issue : Initially, my bank ( XXXX ) showed the transaction as pending, stating that it may take 2-3 days since this was the first-time transfer to this new recipient. The status later changed to sent, but the funds were never received. The recipients bank ( XXXX ) has no record of the transaction. We both filed disputes with our respective banks. XXXX closed my dispute without providing any tracking details or confirming the whereabouts of the money. ( Attached document ) I visited a XXXX branch in person, but the manager refused to assist, stating that he couldnt help since it was an online transaction. Over this period, I have spoken with more than ten different XXXX representatives and received XXXX different phone numbers, none of which led to any resolution. XXXX and I both went to XXXX bank no one helped us with this issue, just gives some number that is never helpful. Zelle refuses to assist, stating that the senders bank ( XXXX ) is responsible, while XXXX fails to provide any accountability. Urgent Request for Resolution : This is a serious failure of XXXX Bank, but I also expect XXXX and Zelle to intervene and hold XXXX accountable to trace this transaction and ensure the funds reach the correct recipient. The situation has escalated to the point where the recipient is now demanding the return of the car or threatening legal action against me. This is causing immense mental distress, and I need immediate intervention to locate and resolve this missing transaction. I appreciate your urgent assistance in this matter. Please find details about transaction : Sender : XXXX XXXX, Amount sent : {$2000.00}, Date : XX/XX/year>, Tracking number : XXXX, Transaction id : XXXX Reciever : XXXX XXXX, Phone : XXXX, XXXX, Bank XXXX. My contact number XXXX XXXX XXXX, XXXX primary number is : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Credit card or prepaid card

I have an American Express Bluebird card. Yesterday someone manage to steal XXXX off my card sent to theres. The card shows the name and email it was sent to. I looked her up on XXXX by this time she had admitted and wrote status saying someone sent her money and she not given back. I did not send the money.My Account was hacked. My money was in my saving account, the card issuer cant explain why or how. Please help me. My daughter and I need that money asap. I dont know what to do but Im so hurt please help XXXX XXXX XXXX