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

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block/delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal accounts which are listed below 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 These accounts have resulted in several fraudulent accounts appearing on my consumer credit report. I've attached a list of of accounts in question a well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached data. XXXX ( as one example ) shows no payment amounts being paid when I clearly have been making payments. Monthly. Sometimes twice a month. Also, my balance is incorrect on all 3 credit bureaus which impact my credit utilization and I want to apply for a mortgage soon and I need that to be fixed. The credit card is paid off each month. It's bad enough that XXXX XXXX continues to keep my deposit and keep this as a secured card after four and a half years of consistent payments on Time payments and excellent payment history when I have a XXXX card that gave me an unsecured card and increased my limit three times in one year. Why does XXXX XXXX  refuse to return my security deposit and make this an unsecured card? They give me no explanation and I need an explanation that is clear and accurate. I also need payments that I made to be reported accurately on time and balance has to be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was unable to find the correct option for my complaint as it was not available on your menu. However, the complaint is still important and in need of your help. I have an Experian account that I have been trying to cancel since XX/XX/XXXX2018. I have used the proper phone numbers provided by Experian on their web site and was kept on hold for over 45 minutes the first two times I made this attempt back in XX/XX/XXXX 2018, and yet no customer service rep picked up my call. 

I discontinued the credit card I was using to pay for my monthly Experian report due to this inability to cancel my membership and I made two additional attempts to connect using the proper phone channels and had the same experience with being kept on hold for longer that 30 minutes and still no customer service rep picking up the call. 
I work two full time jobs and it is almost impossible for me to have enough time to sit on the phone for these long periods of time in hope that for someone Experience will eventually take my call.. 
This morning I spent the past TWO hours on hold ... I used the two different phone numbers suggested by Experian and I XXXX to see if anyone out there could guide me to a more successful strategy. 
I found an email address and sent my complaint and request for canceling my account but was told that the only way I can cancel my membership is through the very same numbers I have been dialing this entire time. 
I am now getting emails from Experian stating that I now owe them for my membership even though I have done all I can think of to get this situation resolved. THIS is absolutely unacceptable as their membership documents state that my membership is not cancelled unless a customer specialist does it for me. So, how am I to cancel my membership as they request if they do not pick up their calls? 
I hope you are receiving other complaints from Experian customers who are trying to discontinue their membership so that you can help Experian develop a successful strategy for other consumers who simply wish to discontinue their membership and help those of us who simply wish to discontinue our membership.
Product: Debt collection

I contacted Portfolio Recovery Associates on XX/XX/2019, and advised them that I was issuing a Cease & Desist order to them. I spoke with an individual who identified herself as " The operations manager '' and refused to place a cease & desist restriction on the account.

Portfolio Recovery Associates records all their internal phone calls, so this violation of the FDCPA is well memorialized. My attorney will be requesting a copy of the call in discovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to Experian, XXXX  and XXXX  along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from identityiq they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information on my credit report.
Product: Debt collection

FAMS contacted me in XXXX, harassing me to pay them for a debt that was not validated ; they even threatened, stating, " They are going to garnish my income if I do not pay them. '' Out of fear, I paid them {$340.00} to settle this account because I was unaware of my protections in the FDCPA, Michigan consumer protection laws, and the CFPB regulation F rights. On XX/XX/year>, I communicated with FAMS and spoke with an agent named " XXXX XXXX '' informing her that I was inserting my consumer protection rights and that I demanded a refund because this company violated the FDCPA ( 15 USC 1692 et. seq. ), Michigan consumer laws ( MCL 445.901 et. seq. ) and Regulation F ( 12 CFR Part 1006 et. seq. ) ; this company is not licensed to collect a debt in XXXX as XXXX XXXX requires it of Licensing and Regulatory Affairs according to XXXX XXXX XXXX XXXX see attachment for proof. These deceptive and unfair practices have caused significant damages that have caused me not to be able to feed my children and pay bills, including statutory damages. I do not owe this company, and this company misrepresented the amount that was alleged to be owed to them, all while using threatening subterfuge tactics for their gains. I informed the agent on the call I would be filing a CFPB and XXXX  Attorney General complaint. Therefore, CFPB, I will contact my state 's authority ( XXXX ) and the XXXX XXXX XXXX regarding this issue. XXXX 's failure to honor my fair resolution of the complaints will leave me no choice but to pursue legal action in federal court. Thank you.
Product: Mortgage

I refinanced my mortgage in XX/XX/XXXX, with my mortgage finally transferred to Chase for servicing in XXXX. My biannual property tax bill due in XX/XX/XXXX was not paid by any of the companies involved with my refinance or mortgage servicing, and I received a overdue tax notice On XX/XX/XXXX. I immediately notified Chase by phone and they assured me they would take care of the bill right away. I sent an image of the bill through their Secure Message Center, and received confirmation from Chase on XX/XX/XXXX and " Please rest assured I have forwarded your request to our Tax Department for review. 
Please allow 7 days for processing. 
Please keep in mind, it could take up to 30 days for the payment to process and reflect on your monthly statement. '' I called on XX/XX/XXXX to check the status, but there was no further information. 

On XX/XX/XXXX, I received a Final Notice Before Tax Sale from the county property tax office. I logged on to my account to see no payment had been made from my escrow account for taxes, I called Chase immediately to check the status. The tax department representative told me no action had been taken on paying my property tax bill, but they would process the payment right away. 

I am concerned that Chase will be slow to pay this bill, or not pay it at all, sending my home to a tax sale.
Product: Credit card

I am writing to formally submit a complaint regarding the discriminatory experiences I encountered while attempting to apply for a credit card at Wells Fargo Bank, specifically at the branch located in XXXX, North Carolina. My complaint pertains to the bank 's inconsistent treatment of credit card applicants based on their immigration and residency status, which is in direct violation of U.S. regulations and the principles of equality and non-discrimination.

During my attempts to secure a credit card from Wells Fargo Bank, my applications were repeatedly declined, with bank representatives insisting that I needed to provide proof of XXXX citizenship or XXXX residency. It is important to note that this requirement was never communicated in any pre-application documentation or during the application process, and there is no public disclosure of such a requirement as a condition for credit card approval by Wells Fargo. 

Of great concern is the fact that two acquaintances with immigration and residency statuses similar to mine were able to obtain credit cards from the same Wells Fargo branch without any issues. This discrepancy in treatment has led me to believe that there is an inconsistency in the bank 's application evaluation process. 

In an effort to address this issue, I visited the branch and filed a complaint for resolution within the Wells Fargo system. However, to my disappointment, no one from the bank has reached out to me to address my concerns, nor have I received a clear and satisfactory response regarding the specific requirements, if any, for XXXX citizenship or residency for credit card approval. 

I hold a valid Social Security card and am currently legally employed in the United States. Additionally, I possess credit cards issued by other financial institutions, which suggests that I meet the necessary criteria for credit card eligibility, provided that consistent standards are applied to all applicants.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was having trouble finding a job and I was {$1300.00} behind on my payments. I contacted the XXXX about it since theyre who I pay. We came to an agreement that I would pay {$50.00} extra on my monthly bill for 2 years to pay back the {$1300.00}. I made all of those payments on time but they still kept reporting me as delinquent every month for most of those 2 years. That is Fraud plain and simple on the part of the XXXX They agreed to the new payment schedule and it was followed with all payments made, so the payments werent late. This needs corrected on my credit immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the 3 CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021.
Product: Mortgage

XXXX XXXX XXXXXXXX. not in its individual capacity but solely as Trustee of the XXXX XXXX XXXX XXXX filed foreclosure against me XX/XX/XXXX, and Fay Servicing as the servicer. XXXX Bank XXXX. informed me it does not own or service my mortgage loan and has no authority or responsibility to review and/or approve or disapprove of Fay Servicing 's decisions and actions and does not retain loan/property level information so I informed XXXX XXXX XXXX counsel , and it retracted alleging Fay Servicing retained their firm as XXXXXXXX XXXX XXXX XXXX agent and attorney in fact producing a power of attorney dated XX/XX/XXXX, but XXXXXXXX XXXX XXXX. allegedly acquired the mortgage on XX/XX/XXXX, from XXXXXXXX XXXX XXXX XXXXXXXX. Fay Servicing acquired Servicing rights from XXXX XXXX  XXXX on XX/XX/XXXX, XXXX Power of attorney is invalid. Fay Servicing had no authority to act on behalf of XXXX XXXX XXXXXXXX. 's behalf nor did it have authority to hire counsel to pursue foreclosure against me. There are many more problems with this wrongful foreclosure, and I have documental proof to substantiate these facts. 

Thank you very much.
Product: Money transfer, virtual currency, or money service

My complaint number XXXX was closed without explanation. The company stated that an attachment was available but there is no way to open any attachments. The issue is still unresolved and CashApp refuses to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX  XXXX Bankruptcy Reference # XXXX Asset Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : $ {$54000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

We were in the process of a loan modification. It was a long frustrating road but we had finally gotten approved for a Partial Claim Modification. We have a trial period starting in XXXX with a payment of {$1400.00}. We were actually very relieved to receive this outcome. Two weeks go by and we receive a letter in the mail from BOA stating that our escrow account was revisited and our new payment would be {$1600.00}. I call my XXXX and ask what was happening. She tells me that something must have changed from last year, such as ; property taxes went up or my homeowners went up. I explain to her nothing went up. I know this because we receive copies of our tax documents and homeowners. She tells me she was going to have a customer service agent come on and explain it to me. The XXXX tells me all the scheduled payments being made to city taxes and homeowners. Everything she is explaining is also in the letter received. My new monthly escrow payment is {$570.00}. I ask the XXXX what was last years escrow payment. She tells me {$610.00}. I thank her and my XXXX comes back on the line. I tell her I am at a loss because my escrow payment actually went down from last year. She just keeps repeating herself, stating that they are not obligated to give me a lower payment. Basically we ended the call with NO explanation on how or why my mortgage payment went up {$250.00} before I even made the first payment. I feel that BOA is trying to take advantage of us in a desperate situation. I am already upside down in this mortgage. We owe over {$190000.00} and the last house that was on the market sold for {$75000.00}. We truly can not afford another {$250.00}. Someone please help us. How is this legal??
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Acct has violated my rights. 

# XXXX ( XXXX ) 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

1. My Kabbage checking account has been locked, there is no way for me to get my remaining balance ( {$72000.00} ) back. 
2. I called their customer service ( ( XXXX ) XXXX ) multiple times, the only way to take my balance back is to use the debit card linked to the account, however they put a fraud alert on my debit card and I can't use it at all. 
XXXX. XXXX : There is no way to get my remaining balance ( {$72000.00} ) back after they locked my account, which is insane, and I've called them at least 5 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTOM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THE CREDITOR NUMEROUS TIMES, SPECIALLY NOW WITH THE CURRENT COVID 19 SITUATION ITS VERY HARD TO REACH ANYBODY. BUT BOTH ACCOUNTS HAVE BEEN OPENED FRAUDULENTLY AND THEY DON'T BELONG TO ME.
Product: Bank account or service

I have been banking with SunTrust Bank, XXXX. They run all credit and deposits at the end of the business day. When they run debts, they start with the highest and go to the lowest. They do this in order to extract extra overdraft fees and not deny payments when your account is overdrawn. 

I recently had a situation whereby I had approximately {$450.00} in my account and a deposit of {$360.00} giving me a credit of {$820.00}. I had several withdrawals on XXXX/XXXX/2015 listed below : {$7.00} {$23.00} {$29.00} {$46.00} {$85.00} {$280.00} $ XXXX $ XXXXHowever, I made the {$280.00} withdraw late in the day and was not denied use of my bank card, so I thought I had enough funds to cover. But I accept that I was overdrawn. However, Suntrust 's computer withdraws from my account taking out the highest debt XXXX and in order to charge more bank fees. Because of this practice, I was charged {$38.00} on XXXX checks for a total of {$150.00}. Whereas if they started with the lowest debt amount, which is how it shows up on both my statement and online, I would have only been charged XXXX late fee of {$38.00}. 

The following day, I deposited {$200.00}, but due to the extra {$110.00} in fees, I incurred an additional {$38.00} late fee. 

While I am willing to accept responsibility for overdrafting my account, I find it fundamentally unfair that SunTurst, XXXX uses a method to extract the most fees possible and it continues to allow a customer to access funds when they are overdrawn. Had I been denied when made the {$280.00} payment with my debit card, I would have known that I did not have the funds to cover the charge and I would not have made it or I would have checked my account to find out why I did not have the funds. 

I honestly am not upset about being charged a fee when I overdraw my account. That is fair. But their calculation methods as well as their allowing me continued access to funds when they are not available without warning is not fair and I feel cheated.
Product: Checking or savings account

Since CHASE cancelled my on-line access to my accounts, I not longer have access to my checking account or credit card records so I will describe my situation with approximate dates. 

IN late XXXX I deposited a significant amount of checks at the Chase ATM in XXXX XXXX. The ATM ate an unknown number of endorsed checks and immediately shut down with no receipt. Banking staff could not help I field a complaint with CHASE XXXX XXXX XXXX. CHASE gave me a credit for the missing checks, and then debited my account for the over credit. However CHASE refuses to provide the documentation and images for the missing checks. XXXX closed their case refusing to provide the requested documentation. I filed a second case with CHASE XXXX. Again the case was closed, yet CHASE stil refused to provide with any explanation in writing for the DEBIT. They want me to take their word for it. 

On XX/XX/XXXX I did received correspondence from CHASE with images of CHECKS which WERE NOT IN DISPUTE. They sent me images of Checks that were already preiously deposited AND NOT the missing checks. I replied to their letter the same day again requesting the images for the correct checks. CHASE refused to answer.

My many emails to CHASE XXXX office have also gone unanswered. And, if a case of bullying, CHASE has cut off ALL of my online access to both my checking account and my credit cards accounts causing me significant financial injury