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

XX/XX/2020 I noticed I had no money on my eppicard XXXX  XXXX card I was advise. A employee from the bank that hold the XXXX  account from XXXX till around XXXX XXXX whom was taking XXXX XXXX etc ... and an company that doesn't exist by the name of XXXX  who was taking was XXXX + XXXX etc ... .numerous of times all payments were unauthorized eepicard card holds sent dispute out said I would have my money in 10dYs no in the dispute office never answer an I get charged XXXXforevety call I call a total of 7 times plus stat in the phone for 2 hrs everything them they would hang up now they sayn letter never received so I had to fax a written dispute still have got my funds.
Product: Checking or savings account

I have currently been on hold for 1 hour and 50 minutes being sent from one ignorant operator to the next. I work very hard form my money and I contacted the bank immediately after I recognized a charge I did not approve. When I asked the bank I trusted with my funds to stop payment on the unauthorized charge I was told nothing can be done until the charge goes through. Once the charge went through I called the bank and disputed the charge explaining that I had closed and account and was supposed to be sent a final bill but the company just applied the full amount to my account on file without my approval. I was told that I would hear back from the dispute department but no one ever disclosed that there would be a 90 day wait period to get MY MONEY back. No one disclosed that I could even dispute the charge with the company that applied it to my account now my account has fees and fraudulent charges totaling to over 600 dollars and my family can not afford to eat or buy gas to get to work. Its horrible that billion dollar companies take advantage of customers with limited funds but it causes even more detriment during a pandemic. Also when I asked how do I know that my complaints have been filed correctly if no one will give me a name or reference # for my complaint and customer service reps gave me nicknames like XXXX and XXXX. Nothing that I could use to report specific poor attitudes. A complete disgusting and disgraceful experience. Truly upset
Product: Checking or savings account

On XX/XX/2023 my wife received a call from her family in XXXX, XXXX  that her grandmother will likely not make it through the night and we need to fly out to say our goodbyes. We attempted to book a flight through XXXX  in the amount of {$640.00} using our debit card but our bank ( J.P. Morgan Chase ) denied the charge. A pop-up screen displayed on XXXX that our transaction was unable to be completed due to the tickets selected being sold out. So, I pulled out my XXXX  XXXX credit card and paid XXXX airline directly. We received confirmation from XXXX that we were on our way to XXXX. As we were packing, roughy 30 min after airline tickets were purchased from XXXX with the XXXX  XXXX credit card, we received an email from XXXX that our tickets were approved. So, at that point we had 4 XXXX round trip airline tickets from XXXX to XXXX for only two passenger ( two tickets for XXXX and two tickets for XXXX for the exact same flight ) We immediately called XXXX, and currently still have a pending claim with them. XXXX gave me a window of 60-100 days for a response. After speaking with XXXX, I called chase to report the fraudulent charge and they temporarily refunded the money. When speaking with chase on the the XXXX of XX/XX/2023 the claims department representative said they did deny the charges on the first XXXX attempt and flagged our account as suspicious fraudulent activity but they than approved a XXXX unauthorized attempt from XXXX. On XX/XX/2023 chase took the {$640.00} out of my account and would not let me dispute again. Claims department representative wouldnt even allow me to speak with a supervisor. 
J.P. Morgan chase could not answer why the charge was denied and then approved without receiving approval from an account holder. Their response was its an automated system and we have no control.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX BANK opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX.
Product: Debt collection

So Hunter warfield INC has been posting things on my credit report file and sending me mail to my house and emails, saying i owe a debt of which i dont not. also ive attempted to dispute it with them and i have had no success. also it told me it was closed and reopened, which indicates to me that it is a sold debt. so in any case it shouldnt be on my file in the first place. could you please remove it?
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

They say they are calling from Omnipoint Management, but the caller id has shown XXXX XXXX and XXXX XXXX XXXX. I have asked them to stop calling and to stop calling my work. They have refused. They have also threatened legal action. 

The numbers they have called from are XXXX, XXXX, XXXX. They have called twice today XX/XX/XXXX. They called twice on XX/XX/XXXX. 

I've asked them to provide me with proof that I owe the debt. They have produced nothing to me.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX  XXXX Balance : {$2.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUOPLICATE COMPLAINT. 
IT PROVIDES NEW REQUESTS AND DOCUMENTATION. 


To Whom it may Concern, XXXX continues to not report a third ( two have already been submitted ) positive account on my credit history despite attempts to get them to do so for over a year. This account is in good standing and has never been late and was always on time with no missed payments. 
This is hurting my credit rating and history dramatically. 
XXXX has also been contacted and asked to submit a correction to both XXXX and Trans Union as TU is also not reporting it. ONLY XXXX is reporting the item. I have attached their report containing the file information as it should appear on both TU and XXXX. 
Ironically XXXX and Trans Union both continues to report FRAUDULANT items on the report while not adding these valid positive items. 
I was a fraud victim and they have been notified dozens of times about the fraudulent item still in question, a XXXX XXXX account, that is not mine. They were provided a Law Enforcement ( XXXX  ) report, as well as FTC, CFPB, XXXX  and additional supporting documents that validated the claims. 
These items should be blocked immediately, as I was also medically unable to make decisions for myself at the time, and can not be held legally liable for them as such. Both the fact I am legally disabled still from that accident and the XXXX supports that, and the XXXX report showing I was the victim of financial exploitation of a vulnerable adult bear the burden of proving this fact. 
Id ask this account listed from XXXX be added immediately to the report. 
The agency has all the information it needs to identify and contact the vendor to make sure this happens. 
I would also ask the other account from XXXX XXXX, and fraudulent inquiries from XXXX and XXXX XXXX XXXX on the TU report be removed immediately as I was denied housing due to too many hard inquiries and the fraudulent account. 
Following is the demographic information needed for the dispute process. 
My ID ( passport ) is attached My Utility ( XXXX XXXX XXXX is attached XXXXXXXX XXXX Letter attached XXXX account ( information provided by XXXX and then confirmed by phone with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Security credit System attempting to collect a debt I never contracted or agreed to pay.The Reported Negative and Defaming information starting XX/XX/2019 on my credit report. I've sent in an debt validation letter and have not received a response with the requested information of original contract between XXXX and I. They never supplied sufficient information to me in order to to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR ( d ) ( 1 ) ( 2 ) ( XXXX ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a discrepancy I have observed in my credit report with your bureau. It has come to my notice that there are late payments inaccurately reported on an account, while the same issue has been successfully rectified with another credit bureau. I was the victim & Im not sure why the CRA is not complying with the law. 

I recently compared my credit reports from various bureaus and was pleased to find that the late payments in question have been successfully removed or corrected by XXXX. However, to my dismay, the inaccuracies persist in your credit report, and this inconsistency is causing significant concern. 

XXXX XXXX XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I understand that discrepancies can occur, but it is essential that the information across all credit bureaus is accurate and up-to-date. The persistence of these inaccuracies with your bureau is both perplexing and troubling. 

I appreciate your attention to this matter and trust that, like XXXX, your bureau will also take the necessary steps to ensure the accuracy of my credit information. A consistent and accurate credit report is crucial for maintaining financial integrity, and I believe prompt action on your part will resolve this issue satisfactorily.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit profile, there is a fraudulent account showing on my credit report. Once again I am a victim of identity theft and this account was not done by me, nor is it my account it is identity theft and ask that ALL items be removed and deleted off my credit profile.
Product: Mortgage

In XXXX I refinanced my XXXX Mortgage Loan that originated in XXXX. I paid XXXX all required fees to complete this process correctly. Today I am selling my house and will lose this sale because XXXX failed to close the XXXX Loan once it was refinanced. The Closing Lawyer and myself have submitted the Lien Release request via email as instructed on this XXXX loan now in XXXX! Capital One took over XXXX. I went in person to Capital One. The only way to submit this request per Capital One is via email. I am not allowed to talk to a person! We will lose this sale which is suppose to close on XXXX/XXXX/XXXX because Capital One can not complete this request minimum 10 days to 3 months. The lawyer has provided the loan number and all necessary documentation! I can not believe with today 's technology that Capital One will not fix XXXX 's error within a timely manner! This should have not happened since it was suppose to be completely in XXXX and I paid all required fees and signed all required paperwork making it was done correctly. I am not getting any help or a person or person 's name that can help me with this time sensitive manner. The only response I get is an automated email saying they received my request! Capital One is not too concerned that the bank they took over collected fees and did not do the work. In other words they stole my money. Should they have legally provided services for something that was paid for and paperwork was done to complete the request.
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 federal protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX  XXXX # XXXX, XXXX  # XXXX, 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-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, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT DOES NOT BELONG TO ME AND IT SHOULD NOT BE ON MY CREDIT. I HAVE NO IDEA OF WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO ME. THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS AND IT HAS ALSO BECOME A BLOCKAGE IN MY LIFE. I HAVE A LOT THAT I WOULD LOVE TO ACCOMPLISH SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I first spoke to a XXXX XXXX agent. They were unable to verify credit reference due to security alert. I was transferred directly to Experian. Please acknowledge this - I have been two months trying to reach a person by phone at all the credit bureaus. Today it took almost an hour to finally get a person to talk to. I have also made many effort to use the online services and I get - no such account, you may have an account - over and over until I am locked out and not do any more. Today after talking the smart A -- who took my information, in order to  verify my identification finally asked me the XXXX $? which I could not do because I have never been able to get into my account and the time has lapsed so long that I have forgotten the darn answer. Therefore, now I have to prove my identity by providing documentation. I was given the web site to use and guess what, I was locked out and every document that I took hours to put together, copying, scanning and uploading has now been erased and my next option is to mail everything in. I tried to call, the hours for today, close at XXXX. I call @ XXXX and sorry we are closed. What's with these people. Enough is enough!!!!! This is MY LIFE and MY CREDIT, they do not own me and I want my information, a score without paying and the security alert lifted so I can move on. Thank you
Product: Debt collection

Jefferson Capital Systems LLC filed a law suit petition with a court within my jurisdiction in Texas. I not once received any notification from Jefferson Capital Systems LLC stating who they were, what they were collecting on or that I was being sued. I had never spoken to them or even had a debt with them. This debt I have now found out was purchased from the original creditor. Jefferson Capital Systems LLC never offered me the opportunity to work with the original creditor. They made numerous anonymous calls to my cell but never once left a voicemail or a call back number. I was able to trace their number to their company and assumed it was fraud since they do n't leave messages. I have been receiving calls from stating they are sending a warrant for my arrest and the numbers left behind are not traceable to a state office or legal office. I am now receiving numerous calls to my cell phone from various numbers claiming to be from a processor which I found out was fraudulent.
Product: Mortgage

We purchased our house in XX/XX/XXXX and refinanced in XX/XX/XXXX. When we refinanced in XX/XX/XXXX, our house was appraised at {$300000.00} and our mortgage was for approx {$250000.00}, meaning that we had slighly less than 20 % equity so we were subject to paying PMI. Fast forward one year and the market value of our house has increased beyond {$300000.00} and houses have been selling for over {$440000.00}, therefore we have more equity in our home than we did a year ago. I called Wells Fargo and asked about the steps to have PMI removed and they sent me a letter explaining that I had three options. Make a principle payment of approx {$12000.00}, use the Automated Valuation Model, or order a revaluation of the house ONLY if significant improvements are made in exess of {$12000.00}. I'm not in a position to make a {$12000.00} payment, the XXXX is not available for our house for some reason, and we have not made improvements to the house that exceed that amount. If an appraisal were to be ordered today, our real estate agent estimates it would be valued higher than {$350000.00}, and that is being conservative. Wells Fargo states that XXXX XXXX does not allow for appraisals to be ordered for any other reason and I believe this is wrong. PMI is to protect the lender in the event that we default on our loan, but based off the market values, if we defaulted on our loan, the lender would benefit, therefore PMI is unnecessary. 

The publication the CFPB released online states that " Excessive PMI coverage provides little extra protection for a lender and does not benefit the borrower, '' so if the lender is not benefitting, we feel as if we're being taken advantage of by having to pay for something that is not needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my name over a year ago. I contacted all my credit cards, banks, etc. to get everything updated. When I tried to get a loan for a house purchase Equifax ( and only this bureau ) is telling the bank " this account is frozen. '' I spend hours trying to get a person to tell me what the issue is. They constantly keep trying to direct to go online ( which online tells me I MUST call ), or to use their phone system ( which isn't working for probably the same reason ). Any time I asked to speak to a manager, I would be cold-transferred back to the original call-in queue. 

Finally someone helped uncover my issue that they were still using my old name. They then claim that the only way that they can correct is is for me to snail mail or fax copies of sensitive documents to them, and that it would be resolved about a business week after they get them. 

I didn't need to contact any of the other credit bureaus, as they must have gotten the updates automatically from court orders, CC companies, and banks. Furthermore the requirement that I have to send something in to them and they don't accept email in the 21st century is absurd- It should be my call as I have already done it for the banks. 

Also, a 20 minute process of navigating their automated phone maze and entering in data multiple times when I know the outcome is " we can't find you in the system '' is ridiculous- and then when the agent picks up the phone none of it was transferred over to them should be considered abuse. 

This company should not be allowed to operate how it does, especially considering it's effectively a required service for most Americans. They should be disbanded and the federal government should run and fix these problems - a private industry 's only motive is cash- and it shows they don't have the staff and knowledge to run something so critical.