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

i deposited a check that was signed over to me from my dad into my chase account. i have deposited checks signed over to me from my dad like this like three or four times before, never had an issues from chase bank. check was on hold like it normally would. next day i tried to deposit cash in my account at the chase atm, it wouldn't take it. i called chase and the representative told me my account was restricted, and once the check i had deposited that my dad signed over to me cleared my account would go back to normal. 10 business days has passed the check has cleared. 3 days after the check cleared chase told me they closed my account. because they couldn't verify a check. this is the third or fourth check my dad has signed over to me in which i have always deposited into the same account. i pay all his bills and i take care of him he has no cell phone. i asked a local bank manager can we can come in a branch to show our government ID. the bank manager and the representative both told us that it wouldn't verify anything. The representative told me over the phone the bank cant send me the remaining balance of {$17000.00} that was in my account when they closed my account.and theres no other steps that can be taken.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXXXXXX   Dear Experian, LLC XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute a late payment reported on my credit report with XXXX XXXXXXXX the account number is XXXX, it was opened on XX/XX/XXXXXXXX  with a balance of {$440.00}. This information seems incorrect to me, I request that you investigate this matter and remove the late payment from my credit report. Please provide me with an updated credit report reflecting the changes.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not aware of these inquiries made on these dates. 

XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards
Product: Money transfer, virtual currency, or money service

BMO Bank send a fraud alert letter saying personal information was used to open a deposit account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX Bank Mortgage XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Mortgage

It all started when Ditech changed my account number, previous to this change, I use to pay my mortgage and insurance together, to that same company. I use to pay XXXX  XXXX every month but with the account change, it made paying my mortgage and insurance difficult. XX/XX/2019, was when my account number has changed for both my mortgage and insurance. I made payment via XXXX XXXX of {$340.00} on XX/XX/2019. On XX/XX/2019, I made two separate payments of {$280.00} for my mortgage and {$75.00} for my insurance via Money orders. with my XXXX payment Ditech combined these payments to my insurance and not my mortgage. On both of these payments I included separate account numbers for my mortgage and insurance. I don't understand how Ditech could have combined both payments, if they both included different account numbers. On XX/XX/2019, I got a notice that I was suppose to include {$15.00} to my payments for accidental death insurance, which I included in XXXX and for XXXX. I also made a XXXX XXXX   payment to Ditech for XXXX for my mortgage and XXXX for my insurance on XX/XX/2019. On XX/XX/2019, I made a payment of XXXX for my combined mortgage and accidental death insurance. On XX/XX/2019, I received a notice from Ditech that I am delinquent on my mortgage for the months of XXXX, XXXX, XXXX and XXXX for the amount of {$1100.00}. I have proof of all my payments and have been losing sleep and being worried since I discovered that Ditech stated that they didn't receive my payments. I have done XXXX inquiries of who and where the Money orders have been sent and it was Ditech that received them. I have lost additional fund doing Money order inquires. I called Ditech been put on hold multiple times or no answers. I am trying to find out where XXXX insurance payment went, because they stated they did not receive it. In addition to all this fiasco, Ditech informed me that starting in XXXX, my insurance is to be paid to another company, world financial. But, according to XXXX payments, they included my mortgage payment in the insurance account.
Product: Checking or savings account

I started working at XXXX XXXX XXXX and opened a account with Citi Bank online so I would have a bank to send my direct deposit to. I had my payroll check direct deposited into this account. It was XX/XX/2024 when the check was posted. I lost my wallet this same day so I transferred the money via XXXX to my XXXX Bank account which is also a Citi Bank Account. The funds where transferred successfully. I then tried to use the debit card and it would not work. I called the customer service line and they told me that the account was put on hold for " fraud '' but could not tell me what the reason for this was. I have called them multiple times trying to gain access to my funds, and they are refusing to do so. They locked both my account and my mothers account down for no apparent reason and will not give access to my funds at all.
Product: Credit card

On XX/XX/XXXX, I booked a stay at the XXXX XXXX XXXX Oceanfront for XX/XX/XXXX, XX/XX/XXXX, through Capital One XX/XX/XXXX ( confirmation XXXX ). I used 45,035 points and {$300.00} in travel credit, totaling {$750.00} for two nights. My reservation was for an Oceanfront Room with 2 Queen beds, and I received a confirmation of this booking, please see attached receipt. 
Upon arriving at the hotel on XX/XX/XXXX, and checking in with my family, we entered the room only to find that it was not an oceanfront room as I had reserved, but rather a general room facing a building. Please see picture attached. I immediately went downstairs to speak with the front desk supervisor ( XXXX Confirmation # XXXX ), who informed me that Capital One XX/XX/XXXXhad only sent a reservation for a Standard Double Queen Bed room. She provided a printout confirming this, which I can also share. I explained that my confirmation clearly showed an oceanfront room, and she acknowledged the mistake but said there was no reservation on their end for the oceanfront room. She offered to upgrade me to a XXXX XXXX room as a courtesy, which, while better than the standard room, was not the oceanfront room I had originally booked, please see picture attached. She advised me to contact Capital One XX/XX/XXXX for a reimbursement, as they had made the error. 
After the room change, I called Capital One XX/XX/XXXX to ask for clarification. The agent said she called XXXX to verify the reservation, but was told to call back in 30 minutes. However, she never followed up with me. 
Upon returning from my vacation, I called Capital One XX/XX/XXXX again to request a reimbursement. The agent offered me {$60.00} for the inconvenience, which I declined. I explained that {$60.00} was insufficient given that I had paid {$750.00} for an oceanfront room which is {$370.00} per night that I paid and received a XX/XX/XXXXroom instead. Had I known the oceanfront room wouldn't be available, I would have either booked with another service or not stayed at this hotel at all. I requested to speak with a supervisor, who also offered {$100.00} reimbursement if XXXX approves. Thirty minutes later, I received an email stating that XXXX was unable to authorize any refund, citing their hotel policies and that Capital One XXXX could only process what XXXX had approved. The hotel has just gotten back to us, and unfortunately, they were unable to authorize a refund at this time, even given the circumstances. Because were bound by the hotel 's policies, we're only able to process what has been authorized by the hotel. 
While the hotel upheld their policy, Capital One XXXX is at fault for booking me in a standard room despite my reservation for an oceanfront room. Now, Capital One XXXX is failing to address their mistake and make the situation right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to process a temporary lift of a security freeze on XX/XX/XXXX on my Equifax credit report to apply for a credit card. I have the confirmation paperwork that Equifax sent me on XX/XX/XXXX when I initially placed the freeze on my credit report, which includes the PIN number required to lift or remove the security freeze in the future. I first attempted the lift by phone. The system never asked for my PIN number and tried to verify my identity by asking questions about accounts that did not apply to me. They never asked about accounts that are actually on my credit report to verify my identity. They then said that they can't process my request and that I have to mail copies of sensitive documents in the mail to process the request. That is a major security issue and I should not have to do that since I have the PIN number required to lift the freeze. I also tried to process the lift online and got the same result. I will not risk my identity by sending sensitive documents by mail when I have the PIN number required to lift the freeze. Equifax should only lift the security freeze with a PIN. If an identity thief knows my personal information without my PIN, he/she can lift my freeze and steal my identity. My paperwork says that the security freeze can ONLY be lifted with the PIN number I was provided. It should not be lifted ANY other way. That is a huge liability issue for Equifax if an identity thief unfreezes my credit report without my PIN number. This issue needs to be corrected so that I can manage my security freeze by phone or online with the PIN number I was provided with. If Equifax was serious about people 's security, they would not be bypassing the PIN number system that was put in place to protect consumers with security freezes. As it stands right now, my Equifax credit report is permanently frozen for life since I am unable to manage the freeze. Sending sensitive documents in the mail is NOT and should NOT be the solution.
Product: Credit reporting or other personal consumer reports

My FTC Report Number XXXX I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a Credit Card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) and a XXXX XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I ordered my credit report... 

Equifax is missing reporting information on XX/XX/XXXX and XX/XX/XXXX on XXXX XXXX, XXXX, XXXX, XXXX, XXXX Remove XXXX XXXX due to date XXXX - Remove from account Is a line of credit ; I already submitted the information ; the company requested that this information be removed from my credit ; it was removed from the other XXXX credit bureaus
Product: Debt collection

Launch Servicing is trying to collect amounts from me that are unfounded. I originally started paying the debt from another servicing company and could only pay a certain amount monthly which was a fair amount totaling around {$2500.00} from XX/XX/XXXX to XX/XX/XXXX. Launch Servicing then came with the amount totaling over {$20000.00} as well as false claims of me never paying saying I was behind in my payments when I paid in good faith every month. I am being harassed to pay for something I don't even have a clue as to where they are getting the information from. Apparently the previous servicing company didnt like the amount I paid month to month and turned the debt over to Launch after they lied about everything. I uploaded documents showing what I paid previously and it wasn't acknowledged but I rather was harrassed and told more information was needed when the facts are plain to see I paid in good faith previously the account didn't reflect how much I paid just an outrageous amount and no details as to where they were getting it from.
Product: Student loan

I was doing the Public Loan Service Forgiveness Program and it should have been completed in XXXX with my 10 yrs/120 payments and despite the amount of forms ceritfing my employment from the school district I am currently employed. My account is showing that I have met 112 of the 120 required payments for forgiveness as of XXXX. This is incorrect. I would have met my 120 payments back in XXXX. They have given me credit for the school districts I worked for up until XX/XX/XXXX. I am still employed at the same district ( XXXX XXXX XXXX XXXX ) and on the form that HR filled out the put down my hire date XX/XX/XXXX and for the section under " end date '' was left blank because I am still employed there. I have done part, yet everytime I submit something it takes another 90 days to hear something that is always inevitebly incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had an active fraud alert that contains my cell phone number for creditors to contact me and verify Information when placing a credit inquiry. It just expired this month. That has been violated by all 3 companies for the past year. They go ahead and proceed with the process and release my information. I also have an active security freeze through XXXX  and they continue to let credit inquiries come through. I have extensive credit inquiries processed completely and it has majorly damaged my credit. Do I not have any rights here? Please verify all this is accurate and please let me know what steps I should take to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft since 2012 and I have finally found out who the perpetrators are because they decided to impersonate me on social media and I had family and friends communicate with them to figure out who they truly were. They have opened numerous accounts in my name that were unauthorized and stole information about me from online sources ( I have since opted out of most ). The only issue is the Credit Bureaus are not blocking and deleting the information even though I have provided them all the necessary documentation, also per the FCRA they are supposed to block identity theft disputes from the credit report 4 after after the reports were received. They have not helped me out with this at all. I have a lawyer and I am doing everything he has advised me to do and the Credit Bureaus are still not complying.
Product: Mortgage

On XX/XX/2016. I started an application for a mortgage with Cardinal Financial Company , LP dba Sebonic Financial. I was charged XXXX dollars to order an appraisal on the property I was buying. On XX/XX/XXXX, before the appraiser was even ordered by Cardinal Financial. I changed my mind about working with Cardinal Financial, and asked them to cancel my appraisal, and reverse my charges. 

On XX/XX/XXXX I received an email from XXXX XXXX, the loan originator I was working with at Sebonic. 
He wrote ; " Not ignoring this request, I 'm just waiting on confirmation that your appraisal refund has been processed and will follow back up with you. Hopefully, everything is going well for you '' We 've been going back and forth. Him telling me the refund was being processed, and I saying that I have not received it. As of today XX/XX/2016. I have yet to receive a refund from Sebonic Financial.
Product: Credit reporting or other personal consumer reports

I have no clue what kind of account this even is. Its not a credit card of any kind and I certainly never opened up any account like this. I need this taken off my credit files. Debt factoring account or something like that I have no clue even what that is all I know is someone racked up a few XXXX dollars and never paid on this! Was turned down on a lease recently because of this XXXX on my credit!
Product: Vehicle loan or lease

My lease ended XX/XX/21. I was quoted a lease-end buyout cost of {$17000.00} good through XX/XX/21. On XX/XX/21 I overnighted a personal check as instructed, in the amount of {$17000.00}. Chase Auto Finance deposited my check on XX/XX/21. 

I then received the title and bill of sale via USPS mail on XX/XX/21. The amount reflected on the bill of sale is {$16000.00} XXXX {$15000.00} plus sales tax of {$1300.00} XXXX. I overpaid for the vehicle in the amount of {$320.00}. 

When I called Chase customer service number reflected on the bill of sale on multiple occasions today XX/XX/21 at XXXX XXXX XXXX XXXX, the representatives transfer me to the Lease-End collections/default department and vice versa. No one will assist me. I did speak with one representative who indicated the amount of overpayment represents a lease installment payment due of {$270.00} plus an unknown {$50.00} fee, however, I did not have any additional payments due under the terms of my lease. 

The rep XXXX was unable to further assist me and indicated that the department that handles such matters " does not speak to customers ''. He indicated a ticket would be opened but would not provide a reference number and said it will take 8 days for someone to get back to me.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and Transunion are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and Transunion also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I contact both agencies, I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2018 I called Transunion to dispute the reporting of a serious delinquency affecting my credit score and was told that I had no delinquencies reported? 3 of my  credit cards use Transunion for the FICO score with the statement : The score was based on Transunion data and the key factors provided. 1. Serious delinquency - Fico Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. I am praying that this complaint will help to get them to correct this problem. XXXX  is the only agency who shows my correct credit record ... never late.
Product: Credit card or prepaid card

I received a notification from The Home Depot that my credit line had decreased from {$4000.00} down to {$500.00} due to a review of my account. During the review process, there were two inaccurate late payments posted to my credit report by XXXX XXXX for the months of XXXX and XXXX. Since then, I've had had several conversations with the credit services department to use the same process in reviewing my account again to see that these items are no longer posting late and that my credit rating had been restored. However, the only two unfair and unrealistic options are to print and mail them over 100 documents from XXXX credit report where the payments were updated, the previous report with the errors on it ( another 80 pages ), and the supporting documents that outline that the error was corrected with XXXX. The second unfair and unrealistic option is to take another hard hit inquiry to my credit report. This happened while in the middle of home improvements and Home Depot/Citi Bank has not been willing to resolve this matter in a manner that is fair to the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for verification ( in the form of the original contract ) with the bureau remains unanswered. I sent in a letter and FTC report similar to the bureau request, but I still haven't received any original contracts, and the information remains on my report. 

Despite the fact that the information was accurate, they completely ignored my request for the contract between me and this company that they have on file.
Product: Credit reporting or other personal consumer reports

I am writing to DEMAND removal of XXXXDEPTEDXXXX XXXX XXXX XXXX XXXX XXXX from my report. this is a violation of XXXX usc XXXX ( a ) XXXX and my right to privacy. 
I will be forced to notify the CFPB & the FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. I require XXXX XXXX dollars and no cents ( {$1000.00} ) per day if this reporting continues. 15 usc 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with TRANSUNION, XXXX, XXXX, any sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.
Product: Debt collection

I checked my credit and noticed a debt from Community Bank /Victoria 's Secret for {$480.00}. This is the wrong amount as the balance is only {$300.00}. I contacted the creditor to discuss the balance reporting, and was treated rudely. I am not admitting any guilt while offering to settle the account for {$300.00} and I would like the trade line deleted from my credit report after {$300.00} has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect items on my credit report i disputed these items and Equifax refuses to correct the inaccurate incorrect items they have since added paid to the accounts instead of deleting them off my report the accounts are inaccurate and should be deleted off my report credit and unauthorized credit inquires also being refused deletions