23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We have had issues with an XXXX order totaling {$1300.00} that was charged to my American Express card. I initially filed a dispute with Amex which has gone back and forth since XXXX ( item is broken ) with American Express. After spending hours on the phone with XXXX XXXX merchant ), and Amex, XXXX agreed the credit card dispute process was getting confusing on their end. XXXX sent me an e-mail refund receipt confirming I will receive a full refund ( e-mail attached ) to my American Express credit card. This refund never processed through. I contacted American Express customer service and was told that they understand the issue and that it will be resolved and closing out the dispute was the best course of action while escalating the issue to their " back end team '' as I have a refund receipt but no refund. I have documented copious amounts of information with Amex and have a refund receipt from XXXX but this credit card company is not providing me with the layer of consumer protection they advertise. I have spent nearly XXXX this year alone on this credit card and am shocked at the fact that Amex is not holding up to their own credit card agreement on refunds, disputes etc. especially given that I have an e-mail citing a refund which was never issued to my credit card. Since XXXX I have had XXXX charges totaling {$1300.00} and XXXX credits of {$1300.00}. I should be at net zero and am not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : 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
Product: Debt collection

In 2013 I was in the process of going through a divorce. I was billed by XXXX XXXX XXXX for XXXX {$40.00} co-pays which went to my husband 's address who is the insured person. I was unaware of any co-pay until being contacted by RSH Associates. I made several attempts to contact RSH but I would reach what sounded like a home answering machine. I did leave a few messages but had no correspsondence with this company beyond that. I was unsure if this was even a legit company so I contacted XXXX with XXXX XXXX XXXX who said that she would contact RSH Associates and tell them to rescind the account and that I could take care of it through the doctors office because of the mixup. XXXX who works in the doctors office contacted RSH a few times and I made XXXX call myself only to be told that they would continue to report the XXXX collection accounts on my credit report. Eight months later and there has not been any resolution and the account is still appearing on my credit report. The account was paid to the doctor 's office. Receipt attached.
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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 ad
verse 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: Checking or savings account

On Friday XX/XX/XXXX at XXXXXXXX XXXX I received a test that someone was trying to charge my account for {$360.00} at XXXX 's. It stated " XXXX XXXX XXXX suspicious activity. Did you attempt? Reply yes or no. To opt out of reply stop ''. I text back " NO ''. I then received a phone call from a man claiming to be from Chase asking me about this transaction. He told me to sign on and check my account. He knew my username and needed my password to get into my account. I signed on with my password and saw that my savings account had been emptied and all the money was in my checking account. He told me that I needed to do a transfer to get the money back into my savings account. He walked me through a wire transfer ( {$4100.00} ), my name appeared on the transfer, so I thought it was okay because saw my name, I immediately contacted Chase and was told that I needed to send a secured message to them. I could not get t '' been transferred around to 3 different people and no one could help me to get signed on to send a secure message. I was told to try back in an hour! In the mean time, they money was transferred to something called " XXXX XXXX XXXX ''. I had hoped to stop this transfer, but it was too late. I finally got signed in and sent a secured message to which i received a response that they received my message.

's THe scammer was very familiar with the Chase screens. I have XXXX XXXX XXXX and needed this money to pay for XXXX XXXX  I told chase this the XXXX  time I called them and that is why I needed to speak with someone right away who could stop the transaction. I was again that this was understood, but there was no one who could stop the transaction available.
Product: Credit card or prepaid card

I applied for the Citibank Platinum Advantage card in XX/XX/2018 and used a special code that was sent via mail advertisement to my house. This was to obtain the promotional offer of XXXX bonus XXXX XXXX miles if I spend {$3000.00} within 90 days of opening the account. I fulfilled my spending requirement, however Citibank refuses to credit any more than their basic bonus of XXXX miles. Citibank owes me XXXX miles but will not credit my account unless I produce the original advertisement literature which I have thrown away already. I did not expect Citibank to fail to honor their promotion or I would have retained that evidence. I just want Citibank to honor their agreement and credit me XXXX miles to my XXXX XXXX account and this will be resolved. I should not be held responsible for Citibank 's application malfunction or internal website problems.
Product: Credit reporting or other personal consumer reports

Experian is continuously reporting inaccurate information on my report and refuse to report accurately. According to the Fair Credit reporting Act 15 USC 1681 section 602, it states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. Pursuant to 15 U.S. Code 1681e ( b ) consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account is NOT following reasonable procedures to assure maximum possible accuracy. It is reporting inaccurately. Please DELETE immediately all accounts that reference charge-offs.

Pursuant to 15 U.S. Code 1601, all charged-off accounts must be DELETED. 
XXXX XXXX XXXX  XXXX These items must be DELETED immediately. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX XXXX, XXXX, and Equifax is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.
Product: Credit reporting or other personal consumer reports

My personal information was shared to strangers due to a data breach
Product: Credit reporting or other personal consumer reports

There was a change of address listed on my Macy 's Credit Card. It is a fraudulent address. 

My real address is listed as old address.
Product: Mortgage

I basically did all the homework on this and figured it all out. Loan Depot rolled {$520.00} into my loan during the money shuffle without disclosing it. 

I refinanced my house in XXXX with a settlement date of XX/XX/XXXX I discovered it while closing out my accounting books for XXXX using double entry method. The strange thing is that the only way I was able to catch is because the losing lender pocketed {$320.00} in overage that they never gave back to me. At any rate, the summary is below. 

XXXX XXXX UNPAID BALANCE GOING INTO SETTLEMENT $ ( XXXX ) was the principle left to pay going into the settlement {$510.00} was my additional payment of principle on XX/XX/XXXX $ ( XXXX ) was the final adjusted principle left to pay going into the settlement $ ( XXXX ) was the Reconveyance Fee going into the settlement $ ( XXXX ) was the County Recording Fee going into the settlement $ ( XXXX ) was the Expedited Delivery Fee going into the settlement $ ( XXXX ) Is the total Unpaid Balance ( UPB ) going into the settlement ( sum of the above ). 

LOAN DEPOT SETTLEMENT ACTIVITY {$260000.00} was sent to XXXX XXXX by LOAN DEPOT $ ( XXXX ) was the new loan amount at LOAN DEPOT $ ( XXXX ) is the difference between what was sent and the new loan amount. 

ALL DISBURSALS BY XXXX XXXX ( WHETHER COMPLETE/INCOMPLETE ) $ ( XXXX ) Is the total Unpaid Balance going into the settlement ( sum of the above ). 
{$260000.00} was sent to XXXX XXXX by LOAN DEPOT {$1500.00} Overage $ ( XXXX ) XXXX XXXX disbursed this amount to me as a result of overage {$320.00} Is the amount of overage that XXXX XXXX failed to pay out to me, which I am recovering. 

LOAN DEPOT AMOUNT THAT SHOULD HAVE BEEN ROLLED INTO THE LOAN {$8000.00} XXXX XXXX Disbursed this amount to me from the Escrow {$1200.00} XXXX XXXX disbursed this amount to me as a result of overage {$320.00} In consideration of the amount of overage that XXXX XXXX failed to pay out to me, which I am recovering. 
{$9600.00} Is the total amount ( sum of the above three ( 3 ) figures that should have been rolled into my Loan at LOAN DEPOT. 

$ XXXX XXXX ) LOAN DEPOT ( New Loan Amnt Funds Sent to XXXX XXXX XXXX {$9600.00} XXXX XXXX ( Disbursals Whether Complete/Incomplete To Buyer ) $ XXXX XXXX ) Is the amount that was rolled into my new loan at LOAN DEPOT that is unaccounted for. @ XXXX XXXX @ XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

This is my last warning before I seek legal action. As a company, you should not be playing with fire as the cfpb has already sued your company for violating the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). See attached. Cease communicating with me via credit reporting on all consumer reporting agencies immediately.
Product: Checking or savings account

On XX/XX/2019 I applied to a Easy Checking account at US Bank online.My application was decline without any reasons and I supposed to receivea letter from US Bank within 10 business days with explanation  for declining my application.While I was waiting, I received an email(attached) regarding my applicationbut still no letter.Tried to contact US Bank by  phone, but couldn't get much information ether.I felt discriminated by US BANK, as I don't see any valid reasons for declining..To date, I haven't received any communications from US Bank except for the email and a text message.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 an XX/XX/2023 with Experian I disputed- challenged these accounts on inaccurate, incomplete, an non-verifiable information on my consumer report of XXXX XXXX regulations, FDCPA, FCRA laws violation XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Experian reporting agency verified and updated there company claims my consumer rights violations 15 USC 1681 ( b ) permissible purpose- 15 USC 1681e Accucracy of report, 623 ( a ) ( 3 ) missing notice of dispute, 15 USC 1681a-2 ( A ) ( B ) reporting with knowledge of errors- reporting after notice of confirmation of errors. Attached below Exhibit A copy of current Experian credit report and Attached below Exhibit C dispute on accounts and dates with Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a security freeze with the three major bureaus for many years ( over 10 ) with no issues. For the first time since Equifax was breached, I attempted approximately six weeks ago to obtain a mortgage loan. I have a FICO of over XXXX. I am XXXX and have never had a ding on my credit. XXXX  and XXXX  unfroze my reports for the mortgage company with no issue. Equifax refuses to do so and the former method of using a PIN they provided in the past is no longer offered or working. I have sent them extensive documentation of my identity including an unfreeze form from their website along with my SS card, Global Entry Card, US Passport, utility bills, birth certificate, driver 's license, home deeds, etc ... by email, fax, and snail mail. I can not login to any of their sites as all it gives me is a phone number to call where I am on hold for hours. When I do get through they say they can not help me because my son 's name and mine is similar. That is why I sent in all the necessary documentation.The only response I received was an email about a month ago saying they were looking into it. I demanded they accelerate to a supervisor which they said they would do three weeks ago. I have not had any further response from them to my EIGHT follow-up emails. I am a former XXXX   and could not receive my loan due to Equifax not unfreezing my credit report. This is outrageous and certainly illegal behavior and I have suffered damages. Thank you for your consideration in looking into their egregious conduct.
Product: Checking or savings account

My wallet was stolen in XX/XX/23 and the thief somehow withdrew {$370.00}. + {$7.00} in fees. {$200.00} of it was transferred from my XXXX Checking account. I filed a dispute with Chime online banking and they denied my dispute. This is the second time they denied my disputes for unauthorized charges on this Chime checking account.
Product: Debt collection

I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt CONVERGENT OUTSOURCING # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I entered in Bankruptcy Ch XXXX. 
In XXXX I looked into my credit after being refused a job based on my credit report and found that 1 account was still showing as a collection, and was also updating the amount with added interest. I disputed this with XXXX  and they deleted it because it was being reported incorrectly. I have disputed this account 6 times including 1 reinvestigation, the next and last dispute included the paperwork from my bankruptcy attorney as proof to them and within 1 week I was told again that I was wrong. I understand the 30 days to respond but they do not seem to take the time or willpower to actually report this account correctly. This collection along with bankruptcy has cost me in high insurance payments and the ability to obtain employment.
Product: Mortgage

On XXXX XX/XX/2022, I started the VA loan assumption process to sell my home. We submitted all of the necessary documentation via secure messages to PennyMac on XXXX XX/XX/2022 after she requested a second copy of previously submitted documentation. This action reset the 45-60 closing clock, and day 63 of our assumption timeline was Monday, XXXX XX/XX/2022, if we assume the start date reset. If we use the original date, I'm on day 91 if I count from the date I originally submitted the required documents. I have had multiple phone calls with the first-line supervisor. Our real estate agent has had near-daily phone calls with managers up the chain. As of today, I understand it with underwriting, but no person on the mortgage assumption team can give an accurate close date, and it is unclear why we have been delayed. 91 days far exceeds what any reasonable person financing a mortgage would expect for administrative timelines. If you are trying to buy or sell via VA loan assumption to minimize mortgage rates, be prepared for an incredibly slow and uninformed process. One processor working on our file, and 6 levels of management to run the assumptions department isn't working.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH CXXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone in the state of Texas, which I do not live in is using my name and a previous address from over 15 years ago along with a phone number from XXXX to apply for credit and utilities. I filed a dispute with Equifax, letting them know about the inaccurate collections on my credit report. They failed to remove the inaccurate information from my credit report. The same information was disputed and removed from my XXXX XXXX credit report
Product: Debt collection

I noticed an Adverse account In Collections reporting on my credit report from for a {$230.00} debt balance due to L.J. Ross Associates. I had never heard of this company and I certainly never signed a contract with them. 

I contacted L.J. Ross Associates by phone on multiple different occasions to advise them that I was unaware of the debt that they are reporting and I requested that they remove it. I offered to pay the debt if they would agree to delete it so that I would not continue to suffer from the negative impact that this junk debt has had on my credit. 

This is not my debt. I have not ever conducted any business with L.J. Ross Associates. I have never requested their services and I never signed an agreement to pay L.J. Ross Associates for anything. Please stop this company from reporting this erroneous debt on my credit bureau reports immediately. Thank you for your kind assistance.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to address the ongoing issue of inaccurate account information on my credit report that has not been removed following seven unsuccessful reinvestigations. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related laws. 

Basis for Dispute : I have previously submitted multiple disputes to TransUnion regarding inaccuracies in the account listed below, providing clear evidence of the errors and requesting its removal from my credit report. Despite seven reinvestigations, the inaccurate account remains on my credit report, which is a clear violation of the FCRA and applicable regulations. 

As per Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA and 15 U.S. Code 1681i ( 5 ), if a reinvestigation does not resolve the dispute, the credit bureau is required to delete the disputed information. The repeated failure by TransUnion to remove this incorrect account information has caused me significant financial harm and distress. 

Account Information : Account Number : XXXX Creditor Name : XXXX I request that the Consumer Financial Protection Bureau investigate this issue and take necessary legal action to ensure that TransUnion complies with the FCRA. I am also requesting the immediate removal of the inaccurate account information from my credit report. 

The inability of TransUnion to properly handle this matter has negatively impacted my credit standing, and I am seeking your assistance in enforcing the legal obligations TransUnion is required to meet under the FCRA.