23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred in XX/XX/2020 from XXXX XXXX to Gregory Funding. 
However, around the same time, I did a refinance. My property taxes was paid by the refinance company and Gregory Funding in XX/XX/2020. 

After several calls to XXXX County Tax Revenue department a supervisor by the name of XXXX informed me that the money in the amount of {$5800.00} was sent back to Gregory Funding since my account was already paid by XXXX XXXX XXXX. He further stated that Gregory Funding must reclaim their own funds. 

As of today, I have not received my escrow balance in the the amount of {$5800.00} from Gregory Funding. It is very difficult to communicate with them and I keep getting the same people and being told that the research department is working on it. 

I spoke to a supervisor by the name of XXXX XXXX a couple of times about the matter. The last time I spoke to him was on XXXX. He told me that the research department spoke with someone at the XXXX County Tax office and I should receive the refund soon. I called again on XXXX and was told that I was not going to receive the refund. I was connected to XXXX XXXX voice mail and Ieft a message again for him to call me but he never called me back. 

I would like a resolution to this matter by Gregory Funding refunding my {$5800.00} that is due to me from my escrow balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in XXXX if XXXX to request confirmation of a debt reported on my account to one main financial. They listed my account as charged off. Twice they said they verified the information with one main, but when I contacted the company they said they had no record of the account. Now the status has changed to paid/charged off, but they are still reporting late payments every month. If they sold off the debt my payments are no longer late to them last month. When I attempted to contact XXXX four times over the past month they said I would have to call their customer service number at XXXX XXXX. Every time I call I get a message that they are unable to take call at this time. I just want answers and am feel that they make it impossible to vet clear answers on the complicated service they provide to lenders making it difficult to get real answers and factual proof of validity.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to dispute an unauthorized inquiry that appears on my credit report, which violates 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). This law strictly regulates who can access my credit report and under what circumstances. A hard inquiry can only be conducted with my prior written authorization or for specific permissible purposes, as outlined in the law. 

Under 15 U.S.C. 1681b, I have the right to dispute and request the immediate removal of any inquiries made without my explicit consent. These unauthorized inquiries are negatively affecting my credit score and overall credit profile. 

Additionally, this situation involves multiple violations of federal laws, including : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft These violations reflect the unauthorized access and inaccuracies on my credit report, which must be corrected immediately to protect my consumer rights. 

I have attached a copy of my photo ID and proof of address for verification purposes. Please investigate this matter and remove the unauthorized inquiry from my credit report. I kindly request that you provide me with an updated copy of my credit report once the correction has been made. 

Thank you for your immediate attention to this matter. I look forward to your confirmation and an updated credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying to see what I was preapproved for with XXXX  XXXX with the understanding that it would not affect my credit and I would not receive a hard inquiry. I received a hard inquiry and my credit score decreased.
Product: Checking or savings account

From XXXX XXXX of XXXX, funds were withdrawn from my account at an atm. The bank did not notify me of these transactions that were taken from atms that has fees associated with them. On XX/XX/XXXX when an auto draft was scheduled to come out of my account for a bill, it declined due to insufficient funds. I logged into my app to see I only had about {$53.00} in my account. I immediately reached out to Bluebird by American Express to report the charges and cancel my card. I filed a dispute with bluebird which they said the investigation would take about 45 days. Less than 45 days I was sent an email that my dispute was denied and that if I wanted to request documentation of their findings I can submit a request in writing. I sent a request in writing along with a tracking number ( XXXX through XXXX ) to ensure they received it. When I called they said they never got the request but I have the tracking that shows it was delivered on XXXX XXXX XXXX. I keep filing trying to appeal their decision and request the documentation but to this day I have not got any proof. The withdrawals were not mine. I still have the card on my person and the locations were not where I am from. I have also filed police reports as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since mid-XXXX I have had a few fraudulent transactions on my credit card I had with XXXX XXXX  XXXX, which I reported to them through their customer service in XX/XX/XXXX. However, they never started an investigation or provided me with credit for the fraudulent transaction. 

Due to their failure to properly investigate fraudulent transactions, I was advised by FTC to file an Identity theft report and forward a copy to XXXX XXXX. 

On XX/XX/XXXX I filed a fraud report on FTC Identitytheft.gov indicating a total of {$370.00} of fraudulent transactions prior to XX/XX/XXXX on my credit card issued by XXXX XXXX  XXXX, and I certified mailed a copy to them. 

Initially, on XX/XX/XXXX XXXX XXXX  notified me they have opened a fraud investigation, and then on XX/XX/XXXX closed the investigation indicating my credit card account was legitimately opened. This shows that once again they have completely failed to pay attention to the detail of the Identity Theft filing of " Fraudulent Transactions '' as opposed to " Fraudulent Account Opening ''. 

I have attached a copy of the Identitytheft.gov filling I originally mailed to XXXX XXXX, along with XXXX XXXX  responses, so perhaps a more responsible staff at XXXX XXXX  can review and take appropriate action. 

As it appears XXXX XXXX  XXXX, has no intention of complying with consumer FCRA rights and has deliberately ignored all efforts to properly investigate fraudulent activities. 

As I agreed previously I have paid for the charges I authorized on my credit card with XXXX XXXX  XXXX, and this account should be reported as paid satisfactorily as opposed to currently being reported as a negative item " Legally paid in full for less than the full balance ''.
Product: Money transfer, virtual currency, or money service

TD Bank is blocking me from being able to link my mobile wallet to my bank account. I need them connected so I can deposit if I decide to see assets.
Product: Checking or savings account

On XX/XX/year> I deposited my own check into my Wells Fargo personal checking account drawn on XXXX for funds in the custody of XXXX. The amount was {$50000.00}. I had done exactly the same thing in the same amount on XX/XX/year> and funds were good the same day. 
On XX/XX/year>, the paying bank XXXX released the money to Wells. As of today, XX/XX/year>, the {$50000.00} is not available to me but Wells admits having the funds. BUT>>>they will not release the money without authorization from initially XXXX and then they said XXXX. Both XXXX and XXXX responded by saying there is no need to " authorize '' money they no longer control. I doubt seriously Wells tried to contact anyone until I complained. Multiply my experience by XXXX and you get some serious float. 
Meanwhile I have checks for tax payments bouncing. 
Given Wells Fargo 's less than stellar track record over the last several years regarding retirement accounts, I worry that my problem may not be just incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2018 I believe it was I transferred my title of my vehicle from XXXX  to XXXX. In doing so I had to pay the sales tax off on the loan for the remainder of the lease to even be able to register in XXXX  state. I went ahead and did so. For numerous months XXXX XXXX was overcharging me ( principal + interest ) on interest I was required to pay off before registering the vehicle. After numerous phone calls and countless numbers of attempts they said that they looked into the problem and correct my bill to just principal in which I owed. I was still getting charged in XXXX for interest I had paid in full in XXXX as numerous phone calls and no help on their end could not correct it. I went ahead after talking to numerous XXXX XXXX agents and paid my principal on the loan in XXXX of 2018, XXXX XXXX  Reported that I paid only the interest and reported me for late payment. I was being overcharged essentially and paying it so a problem would not occur and this situation would not happen. I have proof on my personal bank statement that the principal was paid in full for ever month ( More importantly XXXX ). This is a computer error on XXXX XXXX incompetency on correcting the problem. My account is fully paid and fully closed with them and I am still struggling with getting them to correct their mistake. My credit report has been perfect to date and this is seriously upsetting that it has not been corrected. I am just looking for resolution in them doing what it right and knocking this incidence off of my credit report. Thank You.
Product: Credit card or prepaid card

I have made all my payments on time but was surprised to see that GS Bank who issued my Apple Card reported my account 30 days late for XXXX 2022. I'm in the process of purchasing a house and if the late report is not removed, My loan is going to be denied. I contacted the customer service number and was told the late report was going to be removed but nothing has been done so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband and his family / his brother XXXX XXXX / XXXX XXXX XXXX caused issues and ruined my credit and tried to have me evicted after abusing me nonstop. 

The courts have info and the polcie were bribed not to arrest him and others who abused me. 

This means I cant obtain a lease! 

Please help!! 

Errors by the polcie and bribed lawyers shouldnt be my problem. I was even XXXX and robbed from and XXXX
Product: Prepaid card

I received a {$100.00} VISA gift card from a realtor and have not been able to access the funds loaded on the card. In XXXX XXXX attempts to use the card in retail and on-line purchases were denied. After those attempts I noticed the 3 digit security code ( CV2 ) on the back was missing with a blank field where it should be. I tried resolving my issue on the company website XXXX XXXX  but they required the security code to file my complaint. 

When I called the company toll-free number I was told the card had been flagged for fraud and, to receive a replacement card, I had to fax them photos of the card, front and back of my driver license, and receipt of purchase. Those requirements pose problems as I dont have a fax, the card was a gift, and Im not comfortable sending my license information via fax to an unknown company. 

On the website XXXX XXXX XXXX many people complained their cards were flagged for fraudulent use, requiring sending personal info to the vendor, and still not getting a usable credit. 

Please register a complaint with the company for failure to resolve my issue.
Product: Credit reporting or other personal consumer reports

Lies is all EXPERIAN dose yet again saying I can view disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not remove collection XXXX XXXX  account that is being reported in accurately on my credit report is that conducting proper investigation as required by the Fair Credit Reporting Act. THIS SAME EXACT XXXX XXXX  ACCOUNT WAS REMOVED BY XXXX THROUGH THEIR PROPER INVESTIGATION FROM MY CREDIT FILE.
Product: Checking or savings account

Constant overdraft fees, Even after I notified the bank to stop payment, they still keep processing the payment, sending it back and charging me overdraft fee..
Product: Debt collection

National Credit Systems , Inc wrote to us in XXXX of this year about a debt that they bought from a company called XXXX XXXX XXXX XXXX. We submitted a debt validation to National Credit Systems , Inc 1. asking them for their license to collect a debt in the State of Florida XXXX XXXX. Validate debt XXXX. Provide the original contract with my wet ink signature 4. Has an insurance claim been filled on this alleged debt 5. Provide the accounting ledger in accordance with XXXX XXXX Now XXXX is threatening to report fraudulent unveried alleged debts to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 written requests to each of the 3 credit agencies Experian, XXXX, and XXXX  to verify items on my credit report. 

In the results of each companies investigation and subsequent investigations, they stated in writing that they " verified '' these items and are being " reported correctly '' but did not provide me with any verifiable proof according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) & under Section 611 ( 5 ) ( A ) of the FCRA. 

Letters were sent to Experian on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Each letter was signed and sent with a copy of both my driver 's license & passport card.
Product: Credit card or prepaid card

Account was under dispute, Comentity Bank still charged late fees, even though the credit card agreement states no late fees will be charged while account is under dispute
Product: Credit card

To whom it may concern my name is XXXX XXXX I received a notice from my bank XXXX XXXX years ago stating they were asked to take all the founds out of my acct ( XXXX XXXX ). When I asked my bank they informed me to contact the clerk of courts. upon contacting them I was shown how to complete paperwork to submit to the courts. Now this company named ( Midland Credit Management ) ( XXXX ) act # XXXX has contact my job to garnish my wages, I was told to go to the courts and submit the same paperwork again. A. court date was sent that no one informed me about, I need help I am being told a credit card open on XX/XX/XXXX with a charged off date XX/XX/XXXX with a current judgement principle XXXX, current interstate of XXXX with current cost of XXXX total of XXXX. This debt doesn't belong to me and this is all the information this company in sending me can you help me please XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as 400 less now and with incorrect comments. Despite XXXX XXXX lawsuit of XXXX XXXX by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXXr.
Product: Credit reporting or other personal consumer reports

remove all negative items dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me XXXX  because I have no hope with this system
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I applied for a credit card with JP Morgan Chase bank on approximately XX/XX/2020. I currently have Several other cards with them ( credit score ~XXXX ). They claim I did not pass Identity verification based on questions from my credit report. The questions asked did not apply to me and I was denied. After denial I asked which credit bureau they used which ofviously had erroneous information about me so I can get it corrected. They refused to tell me. The customer service person would only suggest for me to reapply. If they use this same bureau there is a high probability I would be denied again. If I knew which credit bureau hopefully I could get it corrected. This would save us both time. 
All I need is the name of the particular credit bureau they used. 

I find it very ironic they can not identify me since I have servral other cards with them and I log into my account to apply. They already had all my personal information and everything remaind the same except I am retired now.
Product: Credit reporting or other personal consumer reports

HI, XXXX XXXX or Equifax Is reporting an inaccurate balance on my Equifax report which resulting in me losing XXXX points!!! UNBELIEVABLE!!! When On XX/XX/2023 I made a payment of {$240.00} & a payment on XX/XX/2023 of {$20.00} more dollars & XXXX reported on the XXXX of XX/XX/2023, my balance went down from {$400.00} to {$200.00}. & my scores went up on XXXX XXXX XXXX Equifax & I'm still waiting for XXXX to update the new balance. How Ever, today XXXX It shows a report of {$400.00} balance back on my self account on Equifax report!!! WHEN I HAVE PROOF I ALREADY PAID THIS ACCOUNT DOWN NOW 27 % UTILIZATION! & BALANCE IS {$200.00} NOW!! Why would Equifax report inaccurately or XXXX XXXX? Because Equifax says it's getting reporting from XXXX XXXX but they only report on the XXXX of the month & they already reported the balance down to {$200.00}!! not {$400.00}!! This is a huge inconvenience & messing up my future plans for buying a home, a new car ( I was in a car accident & my car was totaled, not my fault & its been enough!!! ) I DONT NEED THIS!! & now either EQUIFAX OR XXXX XXXX IS MESSING WITH MY LIVE & FUTURE! It's already been a pain that XXXX says XXXX XXXX didn't update & report the new balance of {$200.00} but Equifax XXXX XXXX XXXX did report the correct balance in the beginning of XXXX. So I do NOT understand why is there a new report saying the balance is back at {$400.00}? My payments were took out of my bank accounts & everything was fine. I BEEN WORKING SO HARD TO GET MY CREDIT CARD BALANCES DOWN, JUST TO BE DISHONORED! I NEED THIS PROBLEM FIXED ASAP & MY XXXX POINTS BACK PLEASE! THIS IS GETTING DEPRESSING, THESE COMPANIES DO NOT CARE ABOUT MY LIFE!! THEY ARE VIOLATING MY RIGHTS & BREAKING THE LAW, REPORTING INACCURATE INFORMATION IS ILLEGAL!
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my XXXX consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Debt collection

Paid company {$4300.00} to be applied to Ally car account for previous car lease on XXXX XXXX  XXXX.Ally still attempts to collect on debts not owed due to offer of settlement that was believed to resolve the aforementioned account. The payment was applied to but didnt satisfy the entire balance and obligations.