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

My daughter had a checking and savings account and her and I had a joint checking account. On XX/XX/XXXX XXXX I noticed a large amount transferred from my daughter 's accounts into the joint account. I asked her if she did this and she said no. She then did a transfer back into only her accounts. On XX/XX/XXXX XXXX I noticed all the money in the joint account gone. I immediately went into Chase bank and initiated a claim. The personal banker could see that a wire transfer had been initiated by someone neither my daughter or I know out in XXXX Florida. My daughter ( lives in a different state ) went to a local branch and initiated a claim as well. The wire transfer was for {$12000.00} to a XXXX XXXX. Over the ensuing months we both had to repeatedly file the same paperwork. No response was coming from Chase. We had it expedited several times. Finally on XX/XX/XXXX my daughter received a check in the amount of {$6700.00}. This is {$5800.00} short. We continued to try to have the rest of our stolen money back from Chase and they refuse.
Product: Credit reporting

I submitted proper documentation to Experian about an account that is no longer allowed to be reported on my credit. The credit report that was sent to me by Experian on XXXX XXXX, 2015 stated plainly that the account in which I disputed was to continue on my report until XXXX 2015. After a few days in XXXX I reached out to Experian to have the matter cleared up only to be informed that they would not investigate any further, period. I am reaching out to you for assistance because as of XXXX 2015 and a dispute with both XXXX and XXXX for the same collection account, these negatives have since been removed from their records. I also forwarded proof of this to Experian to shorten the process in getting this account off of my credit report and they are refusing to uphold the law of reporting timeline accuracy. I am in the process of trying to purchase my first home and Experian 's disregard of the law is causing me and my fiance a lot of unnecessary pain and suffering. I have proof of deletion from XXXX direct dispute and I also have the Experian report stating the expiration date of this negative item and will also include credit report from both XXXX and XXXX proving that this account is no longer being reported, I just need Experian to do what is right in this situation.
Product: Credit reporting or other personal consumer reports

I had a XXXX credit card with XXXX. When I XXXX XXXX, I called the creditor, made a payment arrangement, then paid off the XXXX  credit card, I then lost my purse with everything in it. As soon as it happened, I reported it to XXXX, yet XXXX did not close the card on that date and unauthorized charges came through, then XXXX denied my access to online banking and I was unable to view my statements. XXXX never advised me to file a police report. I disputed the unauthorized charges with the merchant, but it appears I did not purchase the identity theft feature that they offer, and I did not file a police report, because I did NOT have my purse stolen, I lost my purse. I have also requested itemized statements from XXXX but they have not provided them. They told me they can only provide itemized statements if I pay for the statements. On XXXX of 2023 I ran my credit report on XXXX, because I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That's when I saw that XXXX was inaccurately reporting. I reached out to XXXX, but they asked for a police report. I told them I was willing to pay the unauthorized charges, because I need to be approved for a loan for XXXX XXXX XXXX verbally agreed to delete, if I paid {$160.00}. I paid {$160.00} on XX/XX/2023 with Check # XXXX, but the inaccuracy of {$160.00} was not deleted, they are still reporting late payments and I never received my {$200.00} security deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Product: Checking or savings account

I received a letter from Charles Schwab that stated they will close my accounts on XX/XX/2022 for undisclosed reason. I've been a loyal customer with both checking and brokerage accounts with them. I even have the XXXX XXXX Schwab XXXX card associated with Charles Schwab. A few weeks ago I received a phone call just clarifying the frequent activities on the account, and I was told that the activities were perfectly fine and I can proceed with using the accounts as I normally would. Fast forward and now I've received a letter that they will close the account. Charles Schwab is absolutely my favorite bank and brokerage and it's absolutely disheartening to see them lie to me about using my accounts as normal.
Product: Consumer Loan

The collection agency identified as CACI has already had right party contact with me and has verified the best phone number to contact me on. Since then they have contacted my family and requested location information as well as my employer. My complaint is that they have already had right party contact and should have no need to contact third parties for location information they already have.
Product: Debt collection

I was not living at this address at the time I was living at XXXX XXXX XXXX, Tx this will not come off I can show proof I dont live there
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have told title cash in XXXX Illinois that I do not have the money to pay then until tax refund. They are calling me 5-7 times a day and my work place. The car in which i have the title loan on was dzmaged in an accident and no longer is drivable.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its Legal obligation under the fair Credit Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify of dispute outcomes. These failures align with my experience, where Experian has Neither corrected nor removed this disputed despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates FEDERAL law and my rights as a consumer.Remove all acoo
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on their website on XX/XX/21 for my bankruptcy that got discharged but was still showing as open on my credit report. I got an email on XX/XX/21 saying that the information on my credit report was accurate, when I know for a fact that it is not. I called the company and they said they called and confirmed with the bankruptcy, and that it is still showing as active. They gave me the number and I called and recorded the information that said it was in fact discharged. At this point I don't know what else to do, I just want this showing correctly on my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX - XX/XX/XXXX Account Name : XXXX  XXXX - XX/XX/XXXX Account Name : XXXX XXXXXXXX - XX/XX/XXXX Account Name XXXX XXXX XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX  XXXX - XX/XX/XXXX
Product: Mortgage

XXXX of my parents died in 2014 and their names were on the mortgage held by Penny Mac. After they died, as their executor of their estate, and their daughter, I tried to get Penny Mac to talk to me concerning their mortgage because I was having trouble paying the mortgage at the time and could not afford to hire an attorney to start their succession. I needed to restructure the loan, but they would not help me because the mortgage was in their names. Penny Mac told me on XXXX different occasions to send in their death certificates and wills, which I did and they would help me. I sent them on XXXX different occasions and also sent them copies through email and when I would call they would give me the runaround, like they never received them, they were n't in the computer, the law department had not seen them and signed off on them yet, etc. They sent me a foreclosure notice and now the home I have been living in for 40 years is going to be sold next week at auction and because they would not work with me, I am now forced to file bankruptcy on my parents estate to stop the foreclosure. I have been told that Penny Mac Board of Execs are made up of the people who caused the housing meltdown and are getting double paid for houses going into foreclosure, through insurance and monies collected through foreclosures. Their names are on the mortgage and the succession has not been done yet, so this ca n't legal, can it??? Penny Mac seem unable to helpme and want me to lose my home.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX AUTHORIZED REPRESENTATIVE ( POA ) HAVE ALL RIGHTS TO ADDRESS ANY ALL ACCOUNTS ON MY CREDIT REPORT. NOT NO CORPORATIONS ( DEAD ENTITY ) should never speak or report without my consent. I HAVE IRS TRANSCRIPT THAT SERVE AS MY AFFIDAVIT THAT IM THE POWER OF ATTORNEY OF MY ACCOUNTS, AFFAIRS, and ETC OF MY ESTATE. I DO HAVE XXXX XXXX XXXX TRANSCRIPT TO PROVE THAT THIS DEBT BEEN DISCHARGED AND SHOULD BE UPDATED ON MY CREDIT REPORT AS PAID IN FULL WITH A XXXX BALANCE ON ALL AGENCIES CREDIT REPORT : XXXX, EXPERIAN, XXXX. Im giving them XXXX DAYS TO FIX THIS ISSUE IMMEDIATELY! This is defamation of Character which carry a heavy penalty on my credit report that will be handled in XXXX XXXX cause XXXX a living sovereign man.
Product: Mortgage

My mortgage was just taken over by Flagstar from XXXX mortgage. I finally was able to log in and try to get it set up today. My payment was due XX/XX/XXXX with them following their take over from XXXX. I did not receive an email from Flagstar until XX/XX/XXXX which was after the due date for the payment. Today I logged in and provided my checking account information and made the payment. They would not allow me to set up my auto draft because it was after XX/XX/XXXX. I did not ever have my loan number from them to make a payment on time. They waived the late fee which is seems they were required to do for 60 days. My issue is why can I not set up auto payment? I have to wait and do it after they process my payment they tell me. I had no say in this transfer process but I can not set up auto pay so I can ensure I make my payments timely. I have all of my bills on auto pay so I never miss a payment and do not have to worry about it. Given I can not set this up I'm likely to forget and then I will get a late fee. XXXX did the same thing to me and it should not be allowed. There is no reason I can not set up auto payment given I have logged in and made the payment and provided the routing number and account number so I can ensure I meet my obligations. It feels like they do this to increase the chances they can charge a late fee to consumers by preventing them from easily setting up auto pay.
Product: Payday loan, title loan, or personal loan

I had XXXX  XXXX in XXXX of this year, and went back to work on light duty in XXXX and being on XXXX the paycheck was decreased but the loan was covered until XXXX. Due to bills being behind and I have not being able to work extra due to light duty, and just discovered another health issues that has also being hinder me from working extra since I am back on full duty since XX/XX/XXXX. I have talked to them they could not do another loan because I did one already, due to health issues earlier. They called my job 3 times, They are calling on Sundays. They are calling 3 to four times a day. When I try to explain they are just telling me what I need to do, I have spoken with a miss XXXX and she has left messages on my jobs and I have asked them not to call my job, I have stopped answering my phone, because they are aggressive and I have a XXXX XXXX and I am not allowing them to upset me. I do realize I owe this loan, but if they would be patience I can resume making payment next year XX/XX/XXXX. some dates are XX/XX/XXXX @ XXXX & XXXX XXXX XXXX, XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX XXXX XX/XX/XXXX @ XXXX, XXXX, XXXX @ XXXX this a just some of the times and you can clearly see XX/XX/XXXX and XXXX is the weekends
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information being reported on my XXXX XXXX account ( # XXXX ). Despite filing a complaint with the CFPB against the major credit bureaus, no resolution has been reached. I have identified numerous inaccuracies and demand that this account be deleted. I have made several complaints in the past, but each time, no action has been taken. 
Attached are several documents from Experian, XXXX, XXXX, XXXX XXXX, and XXXX XXXX, which provide evidence of inaccurate reporting by the credit bureaus. Document # 1 is the original CFPB complaint that I previously submitted and was not taken seriously, so I request that you review it thoroughly. Document # 2 is the XXXX XXXX report, where I have highlighted that the account is fully paid off and shows no late payments ( XXXX ) days late. However, the credit bureau reports otherwise, indicating an inaccuracy. Document # 3 from XXXX confirms that I have XXXX late payments. Document # 4 further supports that the account is paid in full. Document # 5 from XXXX XXXX shows several highlighted inaccuracies, including incorrect reporting of the date opened, high credit, last date active, and discrepancies among the major credit bureaus regarding how the account was reported in XXXX. Documents # 6 and # 7 outline the laws that credit bureaus must follow, specifying that if inaccurate information is reported, it must be deleted. With the evidence and documentation provided, it is clear that there are significant inaccuracies in the reporting of my XXXX XXXX account. I am requesting that this account be either deleted or corrected ON TIME PAYMENT, as it is my right to have accurate information reflected on my credit report.
Product: Mortgage

I have a retirement account with Charles Schwab. On their web site, they advertise that customers with certain amounts of money with Schwab qualify for mortgage rate discounts. From their web page, it looks like I qualify for a 0.25 % rate discount. For this promotion, they have a tie in with XXXX XXXX. When it came time to find out what the mortgage rate was, the XXXX people assured me that the discount was applied but the rate they offered me was the same as what both XXXX and XXXX XXXX offered with no discount. I consider this to be very deceptive advertising and operating on the part of both Charles Schwab and XXXX XXXX.
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I called equifax to have them look at my file and fix it, also called XXXX, and XXXX All 3 agencies will call the creditors and when the creditor says it is a legitimate debt. I know that most of the collections in my file is medical and they have allowed collectors to put date that they place it for collections, rather than the date of service. This is not fair practice as states have statue of limitations on all debts. Oklahoma is 3 years non contract and 5 for contracts and most of mine are out of statue of limitations. To be collected or sued on. I have brought this up several times and well the debt collection agencies seem to be able to do what ever they want to damage your well being even if you know the laws of your state.
Product: Mortgage

I was taken off of scra military benefits. Automatic payment schedule got messed up ... I never got call back. I keep getting forwarded to same non responsive person. Email or sent hidden. I finally got a hold of someone when they thought I could refinance..to see how to catch up on my payments. Paid XXXX. Through XXXX XXXX. But phone message says I only paid XXXX and I owe for XXXX. Yet it also said the last payment was XXXX XXXX. XXXX different messages non of them rt. Everytime it forwards to same voice mail. Even when I try to get forgot password or sign up for new online it routes me to same non responsive person. NATIONSTAR Morgage. Took over my account from XXXX XXXX XXXX I had since 1998. But since being with nation star they did not honor paper work XXXX XXXX showed me they sent..finally got rt interest applied but not sure retroactive was applied. Then they took me off of scra again for no reason. Husband sent documentation but still struggled with what was going on with account. They sent someone to my house where the Tennent lives saying it is important they contact me about morgage. People comming and taking pictures. Then recently mailed a package to house were my Tenet lives that is under morgage even thou they know where I live in Texas.
Product: Checking or savings account

I files a fraud complain and CHASE bank denied, I recently got a copy of the police report which I will attach to this form, I'm requesting for CHASE to at least check the ATM camera, that will prove XXXX I was not the one that withdrew the money, I have pictures from my home camera that I was home at the time of fraud. i don't even drive, so what I was telling CHASe is how can I be in XXXX XXXX XXXX when I live in XXXX please help me. i know lots only {$4700.00} but its all I have
Product: Payday loan, title loan, or personal loan

I've called at all times of the day several days a week only to be left on hold for 20 plus minutes only to have my number and message taken and not be called back. When I opened the loan they took seconds to answer. Now that I want to pay it off early they refuse to answer the phone. They could make payments possible online but they don't. It's clear they want the loan to remain unpaid to collect as much interest as possible. It's infuriating when all I want to do is pay what I owe. It appears this is part of the Elk lending business model.
Product: Credit reporting

XXXX XXXX XXXX is reporting a XXXX account that is not mine. And they will not validate the account according to the FCRA rules