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

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Checking or savings account

Citizens bank initiated user-requested multiple duplicated XXXX transactions after communicating to a user the system failure of each. Citizens bank is misleading user to believe that the action did not go through and retry is needed. All other banks usually give some sort of notification to a user that the transaction is initiated. In this case, there was no update or notification on account until a few days later. That's when I learned that there is no sufficient ballance because bank tried to post multiple duplicated XXXX transactions 3 days in a row with the first one being successful and all following transactions leading to overdraft + sustained overdraft fees. This fraudulent deceipt misleads user and attempts to collect a variety of repeated fees after bank misleads user into believing that there was a failure on bank 's end to initiate a transaction based on user action.
Product: Debt collection

XXXX XXXX XXXX I have contacted company and all 3 credit agencies and showed proof of incorrect reporting no action taken on either parts months of phone calls and letters.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C statue 1681i, which mandates reasonable investigation of disputes. Furthermore, Experians action may also Contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. Statue 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in a CFPD recent administrative proceeding File No. 2025-CFPD-0002 ) against them for similar violations. I requested the CFPD take action to ensure Experian complies with federal law and provide consumers whats the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three bureaus in reference to the inaccurate info XX/XX/XXXX and I have been very patient with the bureaus. It has impacted my credit score as well as my interest rates on my loans and credit cards. I have also requested that it be removed or corrected and it has not been done as of XX/XX/XXXX. This has been a very overwhelming issue.
Product: Credit reporting

I am a victim of fraud, I lost my wallet some years ago. I called all three credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report 10 times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment.
Product: Mortgage

I have been attempting to get TD Bank to send me my monthly mortgage statements for over a year. I had previously been in the loss mitigation process with TD Bank, with my modification having been approved in XXXX, XXXX. Over the course of the past year, I have contacted TD Bank on numerous occasions both by phone and in writing to request that they send me my mortgage statements as required by law.

By rule of law, specifically under 12 CFR 1026.41 ( a ) ( 2 ), mortgage lenders and servicers are required to furnish billing statements to the borrower/customer. TD Bank has made myriad excuses as to their failure to provide billing statements, and continues to fail to send the statements.

I am requesting that TD Bank immediately resume the timely mailing of mortgage statements, as well as furnish all statements generated after XX/XX/XXXX. 

This is the third complaint I am forced to file against TD Bank due to their inability to adequately carry about basic functions on the loan and perform rudimentary servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 My dad had called Walmart to have me removed from his account and told them that this was his account and that I was just a person who he got an extra card for and that this account is his responsibility I also had myself removed off the account as well.Walmart removed me. This is my dads account we have the same Identical name
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, when applying for a home loan, I found on my credit report that Equifax has been reporting a " delinquent '' account of 180days. This is inaccurate and I had a letter sent as evidence by that creditor that I had paid in full the year prior. 
On XX/XX/XXXX, attempted to make a complaint with Equifax, but was only allowed to verify myself through mail. Because of this delay, I waited to file report until I received the mail with access information to make complaint. 
On XX/XX/XXXX, filed complaint on Equifax 's website with documentation of credit report and letter from the creditor of the " delinquent '' account stating that it had been paid in full for a year, no longer making it delinquent. 
On XX/XX/XXXX, Equifax stated that my credit report request was complete and my account was updated but not in regards to my complaint. It was still showing my account delinquent despite the evidence provided from the creditor. 
Equifax should 1 ) not have marked me delinquent, and 2 ) should not be able to mark me delinquent and at the same time say " no information is available. ''
Product: Checking or savings account

On XX/XX/2023 around XXXX XXXX, I went to the ATM connected to the Bank of America at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I drove up to the drive-thru ATM furthest from the building. I submitted that I wanted to withdraw cash, and the machine let me know that it only had XXXX to dispense. I used my debit card to withdraw {$1100.00} from my checking account. We then used my husband 's card to withdraw {$1000.00} from the same ( joint ) checking account. When we counted the money, we found that that the ATM had actually dispensed XXXX dollar bills instead of XXXX. We only had {$420.00} instead of {$2100.00} in hand. We promptly went inside the bank and they said there was nothing that could be done - call customer service. Customer service advised that they had to take up to 10 business days to research the claim. 

This happened on the first of the month. That was my rent money. I expressed repeatedly how this is causing a hardship and was told my case would be expedited. I have not had any follow up on the case. I call and they simply say it is in research. 

Today, I received a 3 day notice on my door threatening eviction. My bank account is also overdrawn. The hardship is profound and completely beyond my fault. The bank has robbed me and refuses to take prompt action to make me whole again.
Product: Mortgage

I tried to refinance our mortgage to get a fixed rate. I found out we have a balloon mortgage on a forty- three year note.
I did not even know we had a 43 year note. I also do n't unstated a balloon payment or escrow etc. we never signed anything.
We can not refinance because my credit score. I did not sign any documents approving a 43 year note. I have lived in my house for 27 years. I am so doubt when it comes to escrow etc. my balance has gotten out of hand and we will never pay it off. 

I just want someone to get the papers you are suppose to have with a mortgage company and review them. At one point they were charging a XXXX a day late fees. You can talk to them because they are so rude I desperate need help. Seems like there is no help for people with illegal mortgages. I do n't know who to turn too. I am retired and on XXXX and have a hard time u derstanding all this. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank/XXXX XXXX sold my account to portfolio recovery. I contacted both companies to settle the account. Between XX/XX/XXXX or XX/XX/2016 I made a settlement with XXXX XXXX to pay my debt and have it removed from my credit report. XXXX XXXX and XXXX bank is reporting paid in full/paid collection. This should have been removed completely. I would like this removed from my credit report.
Product: Credit card or prepaid card

I applied for a second Wells Fargo credit card. The application was denied because I did not have on-time payments with Wells Fargo, and the account was not " paid as agreed. '' This is not true. I was enrolled in XXXX related payment assistance, but did this to avoid interest accruing while I was unemployed. I still made payments every month to the account equal to or greater than my previous minimum payment. Additionally, according to XXXX  and XXXX, both of my Wells Fargo accounts are in the status " Paid_As_Agreed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX taking more than 30days to reply to misreporting on a late payment that was removed by my creditors American Express and deemed on time. Contacted American Express and they mentioned only XXXX can take it off. Disputed it twice and no response or deletion. XXXX said I had to reach out to American Express. Enrolled in financial relief program and had late payments incorrectly still reported as late. Never missed a payment when enrolled and program and yet still received late payments on credit report. Please delete this false reporting
Product: Credit card or prepaid card

I had made purchases with my card and would never receive my items so I would have to file a dispute with the credit card company. I went to make a purchase last week and my card would not work. I logged on to my account and spoke to someone via chat and they told me my account was closed. She said I would get a letter telling why but, I have not received this yet. I asked when I would receive another card and she said I would not be getting a new card.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding Portfolio Recovery Services LLC ( PRA ) handling of a debt validation request and their subsequent reporting on my Experian consumer report. My attempts to rectify the situation through correspondence have unfortunately proven futile, prompting me to escalate this matter and file a formal complaint. 
On XXXX XXXX, a debt validation letter ( Exhibit A ), seeking clarification on the reported debt of {$870.00} on my XXXX consumer report was received by PRA. Regrettably, PRA responded with an unsigned letter ( Exhibit B ) & ( Exhibit E ) asserting the validity of their claim, accompanied by misleading and confusing information. The key issues with their initial response are as follows : PRA 's response contained conflicting statements, as they asserted to be both the current creditor and a debt collector. This contradiction raises concerns about the accuracy and transparency of the information provided.

Despite my explicit request in the debt validation letter for a breakdown of the amount owed, PRA failed to provide a clear breakdown of how they calculated the debt. Instead, they supplied eight random statements with varying balances, ranging from {$490.00} to {$830.00}. This discrepancy further adds to the confusion and misrepresentation of the debt in question. The alleged demanded debt is being reported with a {$870.00} balance, but no proof of this calculation was presented in their documents. 
Subsequently, on or around XX/XX/XXXX, I submitted a second letter ( Exhibit C ) to address these issues and request a thorough investigation. However, PRA, in their response, ( Exhibit D ) not only refused to investigate but also insisted on continuing to report unverified and adverse information on my consumer report.

The continued reporting of inaccurate and unverified information by PRA has resulted in credit denials and severe financial stress for my personal business. It is my firm belief that as a consumer, I am now a victim of PRA 's ongoing violations of the Consumer Financial Protection Bureau ( CFPB ) order mandated in XXXX ( CFPB XXXX XXXX ). No Contract exists between me and PRA, also this debt is an alleged debt that PRA has chosen to pursue without a lawful claim.
Product: Credit card or prepaid card

the issue im having is with CARD.COM XX/XX/2019 XXXX transfer of {$300.00} put onto pre-paid card, they refuse to re issue a new card for me to access the funds. 
XX/XX/2019 i spoke to " card specialist '' who was giving me every excuse under the sun for not being able to re issue a card, there is a hold on my account. an account I havent used in 8 months ... ..
Product: Credit card

I have ID Theft on my XXXX credit card # XXXX, was fraudulantly charged XXXX different transactions down in XXXX California, XXXX miles away while I was at work, on the week of XXXX. I filed XXXX fraudulant charge claims through Wells Fargo Bank on XXXX via phone. On XX/XX/XXXX Wells Fargo Bank rejected my claims even though I submitted them Police Report, my proof of at work from my employer. I 've to appeal my case, and now still pending. My complaint is why I was responsible for the XXXX fraudulant charges, and where 's the zero liability coverage.
Product: Credit card

When logging into XXXX online or on a mobile app, there is a prompt that forces you to accept new conditions, otherwise you can not login to use any online services. 

There was no warning of this change of terms allowing time to read and understand them before they came into effect. I am instantly, without notice, locked out from accessing any of my account features unless I accept the new terms. 

The new terms are specifically two documents : - a 10-page " Online and Mobile E-Sign Disclosure and Consent Agreement '' and - a 125-page " Digital Services Agreement '' There is no summary of changes to know what is different compared to before. 

Having all services effectively withdrawn from customers without notice pending acceptance of XXXX complex pages of legally binding documents is outrageous and should not be legal behavior. 

Clearly the expectation is for everybody to just blindly accept the terms. 

I understand that this is not limited to Chase credit cards but Chase banking products/customers as well. See the following for additional impacted consumers : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I opened a checking account with Chase in XX/XX/2018 under a promotion where I received a bonus for setting up an ACH. I provided the bank with a promo card that permitted me to maintain a fee-free account as long as I maintained the direct deposit. 

There was no problem for the first few months, but in XXXX I began to receive a $ 12 monthly service fee. I didn't notice the fee because I set up the account as a side account which I would have a small part of my paycheck go into. The first year shows only ACH deposits. Upon learning about the fees, I called Chase and was told that they could only reverse 4 monthly fee charges on the phone and that I would have to go into a branch to get the others reversed. Additionally, I was told that I was charged because I didn't have {$1500.00} in my account. When I noted that I was not charged for 4 months initially even though I didn't have a {$1500.00} balance, there was no explanation. I was told it would not be a problem to reverse, I just had to go into the nearest branch. 

The representative also suggested that I put money into the account to be on the safe side. I attempted to do a transfer from my XXXX XXXX bank account, but experienced technical issues on the Chase side. After calling a few times, I was finally able to get someone at Chase to fix the technical issue and I was able to do an electronic transfer. 

When I went into the XXXX, VA Chase branch, the manager laughed when I told him the story and he told me that he couldn't reverse the charges and the customer rep probably knew that and just wanted to get me " off the phone ''. He said he would not be able to assist me with the fees.
Product: Debt collection

XX/XX/year> Re : Reporting a company listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX GA XXXX : Illegally reporting medical debit after being disputed. XXXX XXXX reported to of an unknown individual that is not my legal identity and insurance information. Collecting for XXXX XXXX XXXX
Product: Debt collection

There is a medical collection on both XXXX and XXXX reports in the amount of XXXX. This debt has been removed and re appeared on my credit reports with out me being notified. Its not on my XXXX report though. I tried to resolve this with the credit bureaus and got no where. It has been sold several times to multiple collections agencies and not once did I receive notice of this. This was added to those credit reports on XXXX. When I did the online disputes it was removed then added back under a different collections agency.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice that were some things that was not correct. I sent a letter to Transunion on XX/XX/year> here is my tracking number XXXX. It has been more than 30 days since the credit bureaus have not responded. That is a violation 15 USC 1681i ( a ) ( 1 ) ( A ).

According to 15USC 1681e ( b ) it states this ( b ) accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So then I ask them to provide a description of the investigation according to 15 USC 1681 i ( 7 ) ; ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide a description referred to as paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer regarding the description But they did not do that as well.

According to 15 USC 1681s-2 it states that A. ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer. Any reporting information agency must have reasonable cause.

B ) Reporting information after a notice and confirmation of errors.

If the person has been notified by the consumers, that specific information is inaccurate.

This is unfair and if they are doing this to me can you imagine who else they are doing this to? Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing the Commonwealth Financial entry on that is reflected on my credit report in XX/XX/. I retrieved a copy of my credit report on XX/XX/XXXX and noticed that they had placed an entry on my reports that was inaccurate, unverifiable and erroneous. The bureaus responded by stating the account was verified. To that end, I submitted a letter to Commonwealth as recent as XX/XX/XXXX. This letter was sent certified with a return receipt. To date, I have not received any correspondence from this company. 

This baffles me as to how the credit bureaus were able to verify the information yet the company has not responded to my request? Further, Commonwealth placed this entry on my report without sending me a dunning letter informing me that they were attempting to collect a debt. Hence, did not allow me the opportunity to dispute the validity of their claim. Further violating my consumer rights. Too, I have never did any business with this company, never heard of them, nor have I signed any contracts with them. 

DELETE THIS ERRONEOUS, UNVERIFIABLE, INACCURATE ENTRY FROM MY CREDIT REPORTS.