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

I had applied for Chase XXXX XXXX card. They put my application in review and I had to send my SSN card copy and address proof for review to be completed. They decided to approve the application. But when I got my card, they closed my account saying credit check was performed again and then rejected. Please provide me a credit card or remove the credit inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

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 consumer reporting agency can not furnish an account without my written consent and instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX and Experian, regarding this account and they keep rejecting my dispute letters. 

The account below is in question of its inaccuracy. 

Company : XXXX Account # : XXXX Inaccurate information on account : ( dates ) -Date Opened -Last Reported -Date Last Active - Verify date of last payment All the information is wrong and according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly or delete them. 

XXXX deleted this account from my report because of the inaccurate and unverifiable information on my credit report. 

I provided proof of the mismatch information. 

Thank you for your time.
Product: Credit card or prepaid card

I paid XXXX by check to Best Egg Card Services. My bank mailed the check to their office. The check was cashed and never applied to my account. 

The following was their response : Thank you for contacting Best Egg. In looking at the attached, it appears your check was cashed by XXXX, and not received by Best Egg. You may want to reach out to them as to the status of your funds. If you have any questions or concerns regarding this matter, please contact us at ( XXXX ) XXXX. 

This is what I wrote back : I don't understand. I mailed it to this address last month and it was applied to my account no problem. Is this not your mailing address? If someone else got a hold of my check at your address then don't you need to do sue diligence and figure out who is taking checks from your business and where they are going? Please help me understand as your answer is very vague. 

This was their response : I am reaching out to our payment processor to identify how the check was cashed by XXXX but intended for Best Egg. Once the research is completed, and we are provided the funds we will back date the application. We will be in touch shortly. 

I have not heard back despite my best efforts and have yet to be credited almost two months later. Someone stole my check from the office and cashed it. I want a credit as the error and issue is on their end.
Product: Mortgage

Weekly payments are automatically drafted from my account. Ive never missed a payment and several months out of the year, I make an extra payment, Round point mortgage is applying those payments incorrectly and charging me late fees that they refuse to reverse even though at no point has my account ever been past due.
Product: Mortgage

I paid off my mortgage with United Wholesale Mortgage in XX/XX/XXXX. United Wholesale Mortgage failed to provide me with the original note and deed of trust. I mailed a Notice of Error to United Wholesale Mortgage in XX/XX/XXXX asking for the original note and deed of trust. United Wholesale Mortgage still has not provided me with the original note and deed of trust.
Product: Money transfer, virtual currency, or money service

Recurring payments were set-up through XXXX to XXXX XXXX party recipient through Chase Banks ' online banking system. The recipients account was at First Bank. For over a year there was no issue in XXXX with recurring transactions. Then funds were sent to a different recipient early in XXXX. Three recurring transactions were sent to another account in XXXX, XXXX and XXXX before we caught the error. It was perplexing as we made no change to the account recipient. 

After investigation we discovered First Bank has shut off all online account activity for the recipient due to online inactivity - even the XXXX account. However, what is puzzling, is that funds should have bounced back to our account when no XXXX account is active under such email or phone. Instead funds were redirected to another account ( information was withheld due to privacy ) - we have no clue who received the funds. 

After months of speaking with First Bank, Chase Bank, and XXXX, we were offered no resolution and each company points the finger at the other. We have filed a police report and and consumer complaint with the Federal Reserves. We have lost {$1000.00} 's because of a glitch or intentional Fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX. Card # XXXX XXXX XXXX XXXX. Card was open on XX/XX/XXXX with a limit 0f {$1600.00}. At some point I had financial difficulties and was not able to keep up with payments. Eventually, credit card amount was charged off by the company. But I was able to settle the account in XX/XX/2014. Despite meeting my obligation, the account has not been updated w/ credit bureaus. I have discussed this twice with XXXX XXXX without getting anywhere. I would like help to get XXXX XXXX to update this account with credit bureaus. 

Thanks.
Product: Credit reporting

I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information.
Product: Debt collection

Global radius solutions is a company that I have never done business with, heard from, interacted with. This is a medical debt collector. Hippa violation!
Product: Credit reporting

Creditor Contact DetailsXXXX XXXX enrolled me in auto-pay without my permission. They did not send emails or any other notice of payment due. The first notice was through email after my account was already 30 days late. This lowered my credit score significantly. 
XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Attempted to contact Credit Fresh to advise I never received this loan. Debt XXXX are harassing me for a debt I never accrued. 

This is fraud.
Product: Credit reporting or other personal consumer reports

I have tried to get this company to drop this account for around 3 years now. I am a victim of identity theft. I finally got my identity theft victim letter from the IRS which I will be attaching. Along with my FTC identity theft report which I will also be attaching to this message. These are not my accounts and I'm requesting that you delete them and all that associated with.
Product: Debt collection

Worker didnt verify my address back to me and was unable to answer questions on how they got my information and why its on my credit profile.
Product: Debt collection

Intimidating voicemails left to me intended for someone else. No right to call and disturb me, this number is not associated to persons name left in my voicemail. My voicemail greeting does not match name this company is looking for.
Product: Credit reporting or other personal consumer reports

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 Here are unauthorized inquiries on my credit profile for over a year. Equifax has continuously verified them but won't provide the information they used to verify or who the contact is. I have filed an identity theft report already. However, Equifax still refuses to remove the unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS REMOVED/DELETED/BLOCKED THESE ACCOUNTS AND WITHOUT ANY NOTIFICATION OR AUTHORIZATION FROM ME. I HAVE ATTACHED MY FTC REPORT ( S ) PER THE FCRA 605B LAW STATES THAT EQUIFAX MUST REMOVE/BLOCK THESE COMPANIES FROM PLACING THESE ( IDENTITY THEFT ) ACCOUNTS BACK ON MY CREDIT FILE. PLEASE SEE ATTACHED FCRA 605B LAWS AS IT PERTAINS TO IDENTITY THEFT. THIS WAS NOT AUTHORIZED BY ( ME ) TO BE DISPUTED. EQUIFAX HAS GONE AGAINST " MY '' WILL AND PLACED THESE LISTED ACCOUNTS FROM A " EQUIFAX BREECH - 2018 '' & IDENTITY THEFT BACK ON MY CREDIT FILE UNAUTHORIZED.
Product: Credit reporting or other personal consumer reports

I have noticed some inaccurate information on my consumer report and would like it removed immediately. Personal information. Only the name, XXXX XXXX should be present on my consumer report. The XXXX XXXX is inaccurate and should be removed immediately. This is personal information and I do not want it shared, which is my right under the privacy act of 1974.. Inquiry on my consumer report 15 USC 1681 permissible purpose I have not given permission for this company to pull my credit report. Inquiry information : XXXX Important dates Inquiry date XXXX XXXX, XXXX XXXX XXXX accuracy of reports. 
There is an inaccurate account reporting on to my consumer report. The account number is incorrect and incomplete. The balance on this account is higher than the actually alleged debt ( proof provided ) this collection account is reporting as open in which this is a closed collection account. This account is reporting {$620.00} past due as of XXXX XXXX which is inaccurate because if this is a collection account no payments were made there for no payment were ever late. So I can not legally reflect XXXX past due. This account has a 1 month term category on this account but this is not a term loan account. This account reflects to be updated XX/XX/XXXX. It is XXXX this account has several inaccuracies and per title 15 and the FCRA this inaccurate account must be removed for violating the fair debt collection and reporting act Account information : Balance {$620.00} Balance updated XXXX XXXX, XXXX Original balance {$620.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Cell Phone This account is not mine. Its not accurate and I would like it removed immediately.
Product: Debt collection

This is regarding collection from XXXX thru Resurgent Capital Services. 
My first response to correspondence was in XX/XX/XXXX. I have communicated with many different servicing agents regarding these accounts since. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All of these companies state that XXXX owns these alleged 4 debts and I have asked for verification from all of them, again dating back to as early XX/XX/XXXX. 
These debts are listed as follows. 
XXXX XXXX {$3000.00} XXXX  XXXX {$2700.00} XXXX XXXX   {$590.00} XXXX XXXX {$1600.00} ( no response from Resurgent yet for XX/XX/XXXX inquiry so far ). 
I have asked for proof of the debt and original documentation with every request. I explained to them that they must have been " sold '' this debt and not have the paperwork due to the fact that I sent fraud claims to both XXXX  XXXX and XXXX XXXX   on both accounts. Instead of helping me with the issue, XXXX   XXXX and XXXX XXXX removed the entire accounts from my credit report AFTER the sent these debts to XXXX. XXXX can see my credit report and validate this. 
Now I have asked, written letters and repeatedly asked for validation with XXXX. The letter I attached to them dated XX/XX/2018, I told them that these 4 account were fraud and they ignored my requested and mailed back a " internal prepared '' statement by the servicer ( Resurgent Capital ). I have more documents than you care to read but have attached all supporting documents- except on the XXXX XXXX {$1600.00}, they have not responded to my XX/XX/XXXX inquiry for that debt.
Product: Checking or savings account

I opened a Robinhood individual investment account ( XXXX ) to buy and transfer crypto. I linked my XXXX checking account and transferred $ XXXX on XXXX XXXX and a {$500.00} transfer on XXXX XXXX. I made several purchases and transfers of crypto. I then decided to open a Roth IRA with Robinhood and did a Roth to Roth transfer from XXXX on XXXX XXXX, which ended up being {$190000.00}. On the evening of XXXX XXXX I recorded an email saying my account is restricted and action is required. 
You currently have restrictions placed on your Robinhood account. Here are the details of the restrictions : All Accounts - Withdrawals locked : You can no longer withdraw money from your account. 

I tried to use the chat function in the app to ask about the restriction and when it would be removed, but the chat function did not work properly. I had to search the app to finally find an area to have someone call me. You can not call them directly. I requested call backs several times. On XXXX XXXX I was left a voice mail, asking me to return the call and a case number was provided. I called the number, put in the case number, the automated system said the case number was closed then disconnected my call. I put in several requests for calls where I was called back twice. In each case the person said the account was restricted because I purchased and transferred crypto. I asked when my account would be accessible and I was told they dont know. I asked to talk to a supervisor and was told they could make a note and I would be called in 24-48 hoursthis never happened. I requested to close my account ones the phone and in emails and my request has been ignored. I asked why my newly transferred Roth was also restricted so I could not withdraw my funds and was told if one account is restricted then all accounts are restricted. 

I was emailed a questionnaire and answered the questionnaire via email on XXXX XXXX. 

Originally I was expected to hear back from them on XXXX XXXX and now the app is saying by XXXX XXXX. 

In some cases I have read that Robinhood had kept other restriction on for 90 days, so they were not able to withdraw their funds. 

I need assistance in getting all of my accounts lifted from restriction and for my funds to be fully withdrawn immediately and deposited to my XXXX account on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference CFPB XXXX, XXXX  claimed ( kindly see attachment page 5 para 2 ) XXXX  representatives did not receive a POA and therefore could not process the claim. ( Kindly see attachment 2 page 1 ) Showing when the check was issued and paid. No transactions could not be done without a POA if needed! ( I was XXXX at the time and my spouse had a general POA ) Requested Date : XX/XX/2013 Transaction ID : XXXX Issued Date : XX/XX/2013 Voucher ID : XXXX Kindly see attachment, payment history showing balance due. If XXXX  did not receive the check until XXXX  XXXX as stated, why XXXX  payment history ( same attachment ) show payment received in XX/XX/2013?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed for XXXX XXXX Bankruptcy case number XXXX. XXXX was included in the Bankruptcy. On XXXX of XXXX I had the case dismissed against myself and started calling the creditors to start paying them for the full amount owed prior to going into bankruptcy. On XX/XX/XXXX I called XXXX to pay the amount of {$2500.00} in full ; however, they referred me to their attorney 's office XXXX XXXX XXXX. I made a payment for the fully amount owed with confirmation number XXXX. XXXX is now hitting my credit stating that this account was a charge off and no payment was ever made. I have called on multiple occasions and I am not getting any assistance or response back.
Product: Mortgage

I have attempted several times to get my mortgage modified with Rushmore Loan services XXXX XXXX XXXX, my loan number is XXXX, last name XXXX. I have also attempted several times to stop the foreclosure until my haf application results come in but they ignore all my requests. 

I advised them of damage to the home from XXXX XXXX and again, disregard my pleas and have continued with the foreclosure. 

Right now I have a pending Haf application and they still don't want to stop my pending foreclosure. My sale date is XX/XX/2023. 

Can someone please help me have them stop the foreclosure sale until Haf makes a decision and for them to then modify my loan? 

I have been trying for 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX : {$41000.00}.
Product: Credit reporting or other personal consumer reports

I disputed a credit error on my credit report with Experian XX/XX/year> in the amount of {$3000.00} with a company that I never had a contract with.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced {$550.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$360.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that this complaint is filed against XXXX, XXXX, and Equifax for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. XXXX reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by XXXX. 6. XXXX also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. XXXX also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and XXXX has failed to do so. 8. XXXX reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. XXXX also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. Equifax report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be seen.
Product: Checking or savings account

I receive message on XX/XX/XXXX about fraud activity on my checking account They asked questions. I gave my account number to a 3rd party, which i should not have done. They then told me I was responsible for paying back XXXX i asked if i could get a statement, but since my account was locked could not. It would cost me XXXX a page which since I did not have money in my account I couldn't get it. I feel if they are going to tell someone they have fraud on there account they ought to have to give proof. I did say something about it to the one person i talked and he said we are a bank, so i am supposed to believe him just because he said we are a bank, anyone can say that
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I just reviewed my Credit Report and as of XX/XX/2018 XXXX XXXX/XXXX XXXX reported that I have a Debt in the amount of {$280.00}. I contacted the company and asked them to verify the social security number and also the date of birth because I was out of state in college when this charge occurred. The Customer service rep at XXXX stated that this was not my debt because they had a different social security number and also a different date of birth. I will like this to be removed off of my credit report immediately. I am a young college student that is trying to continue having good credit.
Product: Debt collection

I am a victim of identity theft and recently received a credit alert that a debt collector " Columbia Debt Recovery '' has placed a collection account on my credit report for an apartment complex that I've never even heard of called " The crossings at XXXX ''. This account is not mine, I have never lived at or done any type of business with this crossings at russet place. I have filed a police report for this identity theft and have attached it to this complaint.
Product: Vehicle loan or lease

XX/XX/2022 I was denied an extension of credit based on alleged delinquent payments to other creditors. Ive sense only received an adverse action letter that does not follow federal law. 

adverse action 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.

**Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. **