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

On XXXX, I logged into my Chase account to wire money to a brokerage. I am active military deployed. After placing two wire requests, I noticed the first was successful while the second triggered a review. 

Wanting to get ahead of the problem, I called into Chase. After a 30 minute hold, I worked with a CSR to verify my identity through confirming my details and providing information from my debit card. After this was complete, I was assured the wire in question would go through within 20 minutes by the end of the business day. I let him know I was deployed and he made note of that in my account. 

A few minutes later, I received notice of a message on my phone that I needed to call into Chase to verify account details. I was placed on another hold but this time, it was 45+ minutes. After picking up, the CSR had me go through another battery of questions, this time from my public records. Upon going through this, the call dropped and the CSR made no attempt to connect with me again. I am now being subjected to another 40+ minute wait. 

I then noticed my Chase account to be locked to 'protect me from suspicious activity. ' I then got an email that my wire was cancelled. This was been an extremely poor experience and it is clear to me that Chase simply does not care. They will waste time and pose extreme inconvenience to deployed Soldiers without any consideration or concern of consequence. 

So as I write this, it is my hope that after 150 minutes, and despite being proactive upon seeing a review triggered, I will have the chance to resolve a simple task of verifying my identity and not to be treated like a criminal.
Product: Debt collection

XXXX! Over 30 days ago I sent a letter certified mail to this company requesting them to validate the debt on an account reflecting on my credit. They have yet to provide any documentation. Im requesting this account to be removed from all 3 credit bureaus due to the company not being able to validate the debt with any documentation with my signature showing the debt is mine.
Product: Credit reporting or other personal consumer reports

Experian RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 

I previously disputed the following information on my Experian credit report : Account Name : XXXX XXXX Account Number : XXXX Disputed Issue : unverifiable account Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically XXXX Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected. 
Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 

I look forward to receiving a response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020- XX/XX/2020 way2go has taken and charged me multiple times for the same transactions. I have emailed and called and have been on hold for over 3 hours no one will answer. I have read they have done this to other people. everyone has a long wait to talk to them no matter what time you call.
Product: Credit card or prepaid card

I had a payment card processing account with Square Inc.. On XX/XX/XXXX they sent me an email stating my account was deactivated and I would receive my funds within two business days of XX/XX/XXXX. On XX/XX/XXXX they sent me another email stating " Due to the recent chargebacks on your account, any funds currently in your Square account will be held for an additional 10 days. '' However I have not had a single chargeback on my account. I waited the 10 days anyway and still couldn't withdraw my money so after contacting support multiple times which their customer service is geared so they can steal people 's money. Everytime you contact them they tell you that the team that can release your funds only communicates by email so sit and wait for an email which never comes. It's literally impossible to speak to anyone who has the power to release your funds. So, Finally on XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX  In retaliation to me filing a complaint a " manager '' from Square named XXXX stating that my funds would be held indefiinitely. Which to me means this is basically a criminal organization that steals money from small business owners. The payments weren't paid to Square customers paid with credit and debit cards with the expecation that I was getting paid for services rendered. Square has no right or reason to just keep my money and I want my money because its not THEIR money its MY money! I'm attaching pdf copies of all the emails I've mentioned as well as a screenshot showing that I have no disputes and my balance.
Product: Mortgage

We sent in a Loan Modification application on XXXX/XXXX/2015 to the lender, Bank of America. at that time, they had a sale date scheduled. we requested a postponement to allow a review and it was pushed out to XXXX/XXXX/15. we waiting for over XXXX weeks to get an update, calling weekly, only to be dropped into the voicemail of a XXXX XXXX who was the assigned SPOC. he never returned our called. we sent in updated documents on XXXX/XXXX/15 along with a Notice of Error, QWR, and Demand for Response - XXXX Days. As a result, the sale date for XXXX/XXXX/15 was canceled. we continued to call for an update and were told on XXXX and XXXX by different agents that the file was in review and no docs were needed and there was no sale date set. We received a letter from the Counsel for BOA on XXXX/XXXX/15 that there was a new sale date set for XXXX/XXXX/15. we sent another Notice of Error citing that BOA told us the file was complete and in review so no new sale date should have been set without explanation or cause. on XXXX/XXXX/15, we spoke to XXXX XXXX who stated that the file was incomplete since XXXX/XXXX/15 and that he called XXXX times. the number he called was out of service, which he acknowledged. he knew we were the counsel for the borrower and I asked if he had our number. he said he did but that " we do n't have to call you if we do n't want to ''. we were floored by this attitude and lack of consideration. he also said the file was closed on XXXX/XXXX/15, XXXX day after we were told the file was complete and in XXXX review. as of today, we have sent in all of the requested documents BOA claims were requested, they were faxed and email on XXXX and XXXX for good measure. this is a gross mismanagement of the review and Loan Mod process and we insist that the sale be postponed and/or canceled to allow for a proper review.
Product: Credit reporting or other personal consumer reports

I just checked my credit report I saw some hard inquiries that didnt have permissible purpose XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX These Inquiries has no permissible purpose to be on my credit report. Delete inquiries due to violation of 15 USC 1681b
Product: Mortgage

I am XXXX XXXX. My husband, XXXX XXXX, died XXXX. He had taken out a mortgage with Ocwen Loan Servicing. The note is insured & should have been paid off upon his death. Ocwen refuse to pay off the loan & requires that I continue to pay it or they will foreclose. They said the insurance is for their protection. I have to pay this mortgage although I did not sign or authorize the mortgage. 
Ocwen was notified of the death of the borrower ( XXXX XXXX ), and a death certificate sent to them, yet they refuse to use the insurance to pay off the mortgage. Ocwen, consistently states that they can not communicate with me because I am not authorized on the loan ; yet, they continue to require monthly payments, or they will foreclose on the property. Ocwen should return all of the money that I have paid after the death of XXXX XXXX, for the past 2 1/2 years ; with interest. Ocwen is being paid double. Ocwen states that I I am not authorized on this loan, yet they continue to send & request payments each month & will not/have not used the mortgage insurance to pay off XXXX XXXX 's loan. This is not a good practice and it 's causing me great financial hardship and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, With all do respect Experian Credit Bureau is failing to increase my scorce with my payments on my cards. I think because I had a membership XXXX membership that included all three credit bureaus that they are just making my scorce fluid and not including my paying off cards or close to that. Anotherwords they are not increasing the score as a formula of abuse and exploitation so that I get the membership again and make me feel badly. This is Elder abuse and they need to fix this. I also asked for my freeze to be lifted which was on XX/XX/2019 and then again on XX/XX/2019 and quess what it has not be lifed. No pin numbers that are suppose get mailed are ever mailed. XXXX did that twice at Experian and XXXX XXXX was requested to do the same. I pay off cards and they did not increase the score from 3 months ago. 
They either make mistakes or are full of it. I will sue these persons ... .Something else is wrong. I think it is because I realized they are PHISHING FOR consumers pin numbers to breach their bank accounts. They are using personnel who do this which results in what happened with XXXX. I can not access my accounts because I am not a member. Please stop Experian and XXXX XXXX from this kind of abuse and exploitation.
Product: Credit card

XX/XX/XXXX a payment of XXXX was made to my bank of America credit card account. On XX/XX/XXXX the payment was posted to my credit card account. On XX/XX/XXXX bank of America withdrew XXXX from my checking account two weeks after posting my payment. 
I first contacted boa on Monday XX/XX/XXXX then again on XX/XX/XXXX and again on XX/XX/XXXX. Boa still hasn't returned the unauthorized withdrawal of my funds. They say. It has to go through a process. They have had more than three days to return my funds but refuse to do so. Please help me.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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: Credit reporting, credit repair services, or other personal consumer reports

i sent a claim on XX/XX/XXXX concerning mariner finance about my account from XXXX XXXX showing that is was 30 days late.my account has never been late and im asking them to correct the mistake that damaging my credit report. my usps delivery conformation is XXXX XXXX XXXX XXXX XXXX and i understand that they have 30 days to respond from the date that they sign for it to comply before its a violation of the law.
Product: Student loan

I have not had a chance to reach them to request information. Mohela is so confusing and they are never available within the hours they have posted online. When repayment restarted, the payment was lower. My income has not changed since repayment started, but now they are saying that my payment has changed. It was {$380.00}. Now on two different pages on my account show two different amounts. My " Home Page Payment Information '' shows that starting XX/XX/XXXX, I have to pay {$800.00} a month. I absolutely can not afford that. Then when I go to my " Account Overview, '' it shows that my monthly payment amount is XXXX. I don't understand and I'm scared. Mohela is the worst company who has ever had my loans and it feels like they want to make the payments unreasonable so they can charge late fees, which will add interest and give them more money. '' I don't know what to do. I am going to try to call again over the next several days, but it's either extremely long hold times and then your call gets " accidentally '' hung up or long hold times and then they say they are closed even though I called within the hours posted that they are open. I feel like I will die and these loans will still not be repaid. I'm scared!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested 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 : XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the 1970 FCRA these unverified and Unauthorized Accounts must be removed ASAP.
Product: Credit card

I would like to report suspected fraud. Over the last week, several credit cards and mail from credit cards have been sent to my house for someone who doesnt live at my address. Ive rented this home for over two years and have just recently seen this name.

Credit related mail has been sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have several correspondences from XXXX XXXX XXXX, Capital One, XXXX XXXX XXXX and a few unmarked envelopes. XXXX XXXX doesnt live at my address and hasnt at least since I moved in on XXXX XX/XX/2021. Ive also contacted the home rental management company and they have no record of XXXX XXXX.
Product: Payday loan, title loan, or personal loan

XX/XX/2018-I signed a personal " unsecured '' loan for approximately $ 33k for home improvements roofing, siding and doors.I was promised in writing no lien would be placed on my home if financed through XXXX  XXXX XXXX and Aqua Finance Inc. " No lien '' was on their main web site and further emails I received. I was told verbally at least 6 times no lien will be filed.Aqua Finance company placed a UCC lien on my home without my knowledge.I was told by both entities no lien would be placed. After reviewing contract after discovery of lien, contract uses verbiage on application referring to UCC, security interest. VERY misleading and dishonest. If at any time I was notified by Aqua finance that a lien would be placed, they used misleading verbiage. XXXX  XXXX XXXX claims Aqua deemed it necessary to lien because the loan amount was over {$25000.00}. I was never informed or notified of intention to lien. Aqua refused my request to review the phone call of myself and Aqua authorizing the transaction and what was recorded. I specifically asked and clarified no lien on the call. XXXX  XXXX XXXX  has removed their " no lien '' advertisement since my complaint and has not resolved anything. All payments have been on time and I pay more than the agreed payment. Never late!
Product: Debt collection

The company did not provide proof between me and FMS Financial Solutions. They also did not provide a signed copy of this.

They also did not provide a contract between FMS Financial Solutions and supposed original creditor.
Product: Credit reporting or other personal consumer reports

I am trying to opt out of sharing my information and would like to request a copy of any data they are currently holding.this company. I tried to call the number and I keep getting disconnected
Product: Money transfer, virtual currency, or money service

I am writing to file regarding multiple funds missing from my account and the closure of my account without reimbursement. Despite having sufficient funds in my account, banking information attached to my account, Cash App allowed my funds to be stolen and then closed my account. This issue aligns with the recent CFPB findings against Cash App for similar practices, where they failed to protect customer information during a data breach in XXXX XXXX XXXXXXXX XXXX policies and practices for handling unauthorized transactions were inconsistent and noncompliant with federal regulations. I believe these practices are unfair and request an investigation into my account transactions. They have also prevented me from accessing any account statements from XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX  Account # XXXX
Product: Debt collection

I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if I do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I paid in full this credit card with the understanding from the creditor that they would update my credit reporting by closing the account and deleting this account completely from my credit profile.
Product: Credit reporting or other personal consumer reports

I am sending this request that credit bureaus need to reinvestigate the Accounts from my credit report as well as correct or update this Accounts from my report during the investigation period. As of this date, the credit Bureaus have failed to respond to my request, nor no investigation results I've been received. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this debt on two previous occasions with two separate debt collectors. Each time the cases were dropped. I sent certified letters. File complaints via CFPB. None of the debt collectors were able to provide the debt was mine from XXXX XXXX XXXX. My identity was stolen. The other collectors were XXXX XXXX and XXXX / XXXX. I will be sending a certified letter to ERC.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : CENTRALPORTF Account # XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Debt collection

I had an account with American Express, and in the month of XX/XX/2023 they reported an inaccurate late payment on my credit report. In XXXX of this year, I recieved a message that I missed a payment and I disputed it and my account was closed by American Express in XXXX and reported to the credit reporting agencies as closed, however, they continue to report my account 30, 60, 90 days late inaccurately as a closed account can not have an open balance. The late payments being piled on to my credit profile is unlawful and should be removed.