23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my 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 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: Mortgage

XX/XX/20 In regards to CARE ACT I was advised my FHA loan that is current was not an option rather I was advised by my mortgage company PPH. I was told by resolution team XXXX XXXX I only eligible for their 3 month forberance offer by phh.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Mortgage

On XX/XX/XXXX I discovered an unopened envelope from my mortgage Servicer. 

It contained an escrow overage refund check of {$1000.00}. The check expired 180 days after issuance, which was XX/XX/XXXX. 

I immediately contacted my mortgage servicer, Select Portfolio Services for re-issuance of the check. On XX/XX/XXXX, I spoke with XXXX. He said it would take up to 60 days for my to receive a new check. I e-mailed a copy of the voided check to them on XX/XX/XXXX. 

I followed up on XX/XX/XXXX and spoke with XXXX who said it was still being processed. 
I followed up on XX/XX/XXXX, spoke to XXXX who said nothing was done yet, then spoke to manager XXXX who said she would escalate. 
I followed up XX/XX/XXXX, spoke with XXXX who said it would be done within 10 days, nothing. 
I followed up on XXXX, spoke with XXXX who transferred me to the ombudsman Dept. I left a message. 
I followed up with ombudsman Dept on XXXX, XXXX said going to check into it. 
I followed up on XX/XX/XXXX and spoke to XXXX, no update I LMTC on XX/XX/XXXX I followed up on XX/XX/XXXX, XXXX said no update I followed up on XX/XX/XXXX XXXX said waiting on escrow LMTC XX/XX/XXXX. no response
Product: Credit reporting or other personal consumer reports

It has come to my attention that the credit Bureaus are not removing files when I sent with an FTC fraud report since it is required by law 605b of the FCRA. If you do not remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal action. I prefer to avoid legal proceedings, so please comply with the law. 
Please remove the following items, as they are fraudulent and were opened without my consent or knowledge : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/year> I sent {$1300.00} to a phone number via chime. With chime your Supposed to be able to pay anyone With or without a chime account. The person that I was sending it to did not have a Chime account so I sent to her phone number so she could put it on her bank card. The recipient never received a text And it was saying the money was off my account so she Called chime from her phone The automatic system told her that her balance was XXXX. But She'd never Made an account with them so she spoke to someone and apparently someone made an account in their name with her phone number She told them that it was fraud they told they removed her phone number from the account but she could not have the money Because she never made an account with them she can prove That she has had that phone number for 10 years. I tried to dispute it. They denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX today I tried to login to Experian 's website to verify my address which was time sensitive. I could login to their phone app but that did not help. I tried to login to the website with the same information but was told my login information was incorrect. I tried to have my password reset but was told by the site that no account could be found with my email address. Tried to create a new account but the site said I already had an account with that address. You can see the loop I was stuck in. 

I called Experian 's customer support number and in the process of trying to get a person on the phone the system dismissed me and hung up. Never had a rude IVR before. Called back and went through the password reset process which sent an email to the address the website could not locate to reset my password and verify my username which was my email address. Reset the password but still could not login. The IVR then gave me the option to speak to an agent. I spent 45 minutes on the phone total and was told multiple times that my account might be locked out but the agent could not verify this nor could she unlock it. I finally after being placed on hold and told I had to wait 24 hours for my account to unlock itself at least five times I was transferred to her supervisor. She told me she could help but had to ask me a series of questions to verify my identity. This was the third time I had to verify my identity and the least secure thing I needed to do ( unlock my account ) required the highest level of verification. After going through the process I was told I would receive new emails to reset my password again. I said wait, I have already done this an it did not unlock my account, are you sure this is going to work. I was told it would and I would have to wait 10 minutes for the emails. I wish I would have demanded she stayed on the line because of course after resetting my password a 2nd time I am still getting the same error that my username and password which I just changed are incorrect.

This is a complete failure of a customer support center. I also do not like the fact that the XXXX is or is allowing Experian to outsource financial support call centers to a foreign country. No I am stuck either calling back and going through that entire process again or waiting 24 hours to see if that is really the issue with my account. Its XXXX and customer service for government services has to be better.
Product: Credit reporting or other personal consumer reports

I am writing to once again dispute certain unauthorized inquiries that continue to appear on my credit report, despite my previous attempts to address this issue. Despite my repeated disputes. I have previously disputed these inquiries and provided evidence to support my claim that they are unauthorized. However, it appears that the inaccuracies persist, which is concerning as these unauthorized inquiries can negatively impact my credit score and financial reputation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I contact XXXX XXXX about a fraudulent bank wire, between my account at XXXX XXXX and Chase Bank for the purchase of XXXX truck in the amount of {$3900.00}. XXXX XXXX replied they will ask Chase Bank to conduct reverse wire transfer and Chase Bank replied it will take 90 days to conduct a fraudulent investigation. On XX/XX/XXXX my bank XXXX called and notfied me that Chase Bank have completed their investigation and fought the transaction was fraudulent but could not return my money do to there were no funds in XXXX XXXX XXXX  account. I ask XXXX XXXX and Chase Bank can they help me out with this situation and they both refuse to
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXXL XXXX - XXXX
Product: Credit card

XX/XX/XXXX XXXX credit card account with a credit line amount of {$6000.00} has been paid off in full since XX/XX/XXXX, The other credit card account ending with a credit line amount of {$3000.00} has been paid off in full since XX/XX/XXXX Another revolving account of {$500.00} line of credit has been paid off in full since XX/XX/XXXX The only action of date taken by usbank card members services, was that I called XXXX and discuss my complaints with them. I have been with usbank since XXXX, with a great payment History and excellent credit scores at all three major credit bureaus. My vantage score powered by XXXX is XXXX with usbank, XXXX with experian and XXXX with XXXX XXXX. 
Usbank letter dated XX/XX/XXXX wants to raise the APR to XXXX XXXX, Balance transfers to XXXX XXXX and Cash Advances to XXXX XXXX, starting XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service representative.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 : at XXXX I contacted my bank to let them know that I was wiring money to family. At or around XXXX XXXX, I returned a call from a Western Union representative. I was told that the transaction was confirmed and that the receiving party could go pick up the funds which Western Union advertises as " Money in minutes ''. I have the emails showing that transaction was confirmed, only to receive a cancellation, without warning, while receiver had to wait 12 hours at a Western Union waiting to pick up the money. I wasted hours of my life, calling Western Union, answering the same questions, over and over again. On that particular transaction XX/XX/18 I was given a confirmation number XXXX. The money never made it to the receiving end. I was told, 1 hour later, that the transaction was cancelled due to security issues. Lies, lies, and more lies. Nobody knew where my US {$1000.00} went, my family member waited 12 hours at the receiving Western Union end, only to be told another unsubstantiated story. Each time I called, it was a different story. They finally conceded they had my money but it was going to take up to 7 days to get my US {$1000.00} back. Their suggestion? " Mam you need to do a new transaction ( while they had my my $ US {$1000.00} ). I asked them to either credit my money immediately as I don't have another US {$1000.00} sitting around at home. In spite numerous phone calls ( from XX/XX/18 to XX/XX/18 ), the issue was not resolved. Nobody could give me a reasonable answer. Every time I called, I was given absurd and different reasons as to why the transaction was either cancelled or delayed. Problem still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting that I am ( 120 ) days late with a current balance on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and therefore there is no payment to be late on. XXXX and XXXX are reporting correctly. This false reporting of a lates is seriously harming my credit score and these line items either need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information. I have contacted the bureau to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint because Experian is damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. Ive been a victim of identity theft an account was opened in my name by XXXX XXXX XXXX. The account has been removed from a XXXX on XX/XX/XXXX of XXXX and he has been removed from XXXX on XX/XX/XXXX. Admission is deletion especially if the other credit bureaus have remove this account from my credit report. I have provided all of the documentation to them such as a identity theft report, copy of my Id and police report. Experian has failed numerous of times in helping me get this matter remove. Under law 15 USC 1681 in 15 CSC 6992G, I have rights as a consumer where it protect me. Hear me out on XX/XX/XXXX of XXXX I open up a dispute with experience on the behalf of this account again, experience has felt doing their proper investigation and updated me with the account has been verified that it belongs to me in less than seven days. There was no proper documentation that was attached to this dispute as by supervisor XXXX on my call today. Immediately after open into dispute via phone with the representative I mailed that documentation to them the next day. It was confirmed over the weekend that they receive my documentations and they uploaded to the portal they open the case immediately closed it again which states on my credit report on XX/XX/XXXX to the account dispute has been modified by an Experian dispute specialist. Im asking for this matter to be escalated an account to be removed from my character report as if demanding my buying power as well as my character. 
Im very frustrated and seeking help asap. This is the only account negatively impacting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : Consumer reporting agency To whom may be concern, I XXXX XXXX XXXX consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that consumer has rights to privacy which XXXX, XXXX, and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The fair credit reporting act was intended to insure that consumers reporting agencies exercise their grave responsibility with famines and respect to the consumer right of privacy! Under the Gramm Leach Bliley Act of 1999. I enclose all documents social, ID and statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was using all credit bureaus to update my all personal information data and closed accounts still can not remove my all closed account but credit reports show all outdated information as well.
Product: Checking or savings account

I opened a savings account with Regions Banks on XXXX and made a deposit in the amount of {$12000.00} and one withdrawal in the amount of {$1400.00}. Since then, I have not touched the account, and just recently when I went to get funds out of the account I was told the account was closed. I have a statement with the account number and proof of deposit but no one at Regions is willing to help me locate my funds. In addition to them not being able to find the original deposit I was also supposed to be getting direct deposits into another checking account monthly since XXXX and I did not start getting them until XXXX even though the depositing company says they were sending them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account numbers listed below Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. These entries are not authorized and incorrect : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are inquiries that were not approved and i did not give my consent 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: Mortgage

I am a home owner in Colorado. In the past year I was forced to seek assistance with my mortgage payments due to being out of work due to XXXX I was XXXX  to something called The Homeowners Assistance Fund or HAF. I was approved for assistance from HAF and received funds which was supposed to bring me current on my payments up to XXXX of 2024 according to my case worker from HAF. I have seen records from HAF & The state of Colorado telling me all of the Funds was sent and received by my mortgage company, Planet Home Lending or PHL. However PHL is reporting to me that the final payment for the month of XXXX was not received. I have been sending records back and forth with the mitigation department at PHL since the end of XX/XX/year> and finally are apparently waiting for the state to respond to the mitigation department at PHL. It is now XXXX going on XXXX and this payment is still missing and is being reported as such on my credit effecting it negatively I feel bullied by PHL a little bit, and my case worker alluded to maybe PHL is not being entirely honest about this missing payment. I have multiple emails from my caseworker indicating this missing payment has been sent to but PHL says other wise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I visited XXXX to obtain my free credit reports from the 3 credit bureaus. I had no trouble with XXXX or XXXX, but when it came to Experian, all of the identity questions were answered correctly but there was an issue on the website to where it was not available. I had tried redoing the identity questions multiple times but each time I received an error message " there seems to be a technical issue. '' This is extremely frustrating as I do not have time to receive it through the mail in 15 days, but that seemed to be the only option after spending over 15 minutes on the phone with an automated system, not even a live person. 
There needs to be some alternate option to receive it online in order to make this more consumer friendly, because the current system in place is an absolute joke.
Product: Money transfer, virtual currency, or money service

I received a check from XXXX XXXX, NV on XX/XX/XXXX for {$13000.00}. Bank of America is the bank that is listed on the check. At the time, I did not have a bank account that would accept a check larger than {$10000.00} so I had a friend deposit it into their checking account at XXXX XXXX 
The check was properly endorsed over to them and deposited into their account on XX/XX/XXXX, however, it was returned because you can not use mobile deposit for third party checks. A substitute check was issued as a replacement. 
We then properly deposited the substitute check in person, both of us present with photo ID on XX/XX/XXXX. This check was also returned because it was outside of the cash within 90 days period. Another substitute check was issued which at this point would be useless since it cant be re-deposited due to the date. 
I've been in touch with XXXX XXXX to have them reissue the check, but they're adamant that their records show it was successfully cashed on XX/XX/XXXX, which isn't the case. XXXX XXXX has been very helpful in this situation with providing whatever I need to show proof that the money was returned. XXXX XXXX won't budge without confirmation from Bank of America. 
Here 's where I need your help : since I'm not authorized on the account, BOA won't release the necessary information to XXXX XXXX. It's frustrating to think that a simple conversation could resolve this and get me the money I'm owed. I'm reaching out in the hopes that someone can assist in bridging this communication gap and finally get this check sorted out. 
Your support in getting BOA to provide this essential information to XXXX XXXX would mean the world to me. Thank you so much for considering my situation and offering your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit card opened without my knowledge or authorization. The credit card company is XXXX XXXX XXXX XXXX. My account was crossed referenced with someone else for a few years so I was unable to access my report. After finding out the account appeared on my credit I reached out to XXXX XXXX to close the account in XXXX. They then reported the account as 30 days late in XXXX after a credit dispute with XXXX also in XXXX, it was updated to closed again in XXXX. I have initiated disputes with XXXX, Equifax and XXXX. There is missing data from XXXX that I brought to the attention of the fraud specialist at XXXX. They allowed XXXX XXXX to report the account was 30 days late on a closed account then they allowed then to close the account again. When I disputed the account I included a FTC identity theft affidavit also.
Product: Credit card

I contacted Chase because I noticed my Chase XXXX  credit card account had been closed. The month previously I used the feature within the Chase app to create a payment plan. The plan allowed me to set my monthly payments in effort to resolve my balance. The outspoken terms mentioned in the agreement stated it would set me up to pay off my entire balance in approximately 48 months. I paid on the payment plan according to the agreement. A month later I noticed the account was closed. I contacted Chase because of the mistake. I spoke with my account manager and the customer relations supervisors and according to them the account was closed as a result of the payment plan. The supervisors informed me that I would have to call into Chase customer service in order to set a " payment plan ''. They continued to say that the plan I selected through the Chase app does create a " payment plan '' however, it closes the account. I explained to the representatives how that information was not disclosed to me and I did not agree to having my account closed. At this time I had made a large payment of {$1000.00} with the expectation of paying my balance off much sooner then the XXXX, or so, months provided in the payment plan available via the app. I explained to the representatives that I would have never agreed to close my account. They mentioned that in the extended discloser there is a blurb that creating the payment plan via the app will close the account. I found issue with this because I never wanted my account closed and there was no bold or stopping point that indicated my account would be closed. As a customer I expect for an action of that magnitude to be announced before I able to agree to terms for a payment plan, which is something that is request by consumers on a regular basis. If you have to call in to make a payment plan you should DEFINITELY have to call in to close your account. This is now affecting my credit negatively.