23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is regarding dispute number XXXX. 

The charge was on XXXX, it was disputed on XXXX, and a permanent credit with no additional documentation was issued in my favor on XXXX. I am submitting additional documentation for your records for Citbank 's record 's because billing disputes doesn't seem to be doing their jobs properly. 

As you can see, my copay was {$10.00}, but XXXX XXXX billed me {$20.00} in error. I reported the problem to XXXX XXXX and they failed to reverse the charge, so I disputed it. Over two months later, within the dispute period, XXXX XXXX finally issued a credit to my account on XXXX. So they were obviously alerted by Citibank to the continued problem with the billing error and credited the account. But it appears Citibank had yet to catch their credit because the disputed history still showed the amount as permanent on XXXX. I figured Citibank would eventually reverse the charge, honestly forgot about it as well, but Citibank didn't reverse it until I withdrew it and notified them in writing. 

I am assuming Citibank didn't catch it is because it was listed as a permanent credit? I tried to search for a {$10.00} rebill through Citibank 's transaction history, but I was never able to find one at the time because their website kept kicking me out and sporadically would not perform searches properly So, I ended up having to comb through my statements that I have saved for my records. I still can not find a rebill for {$10.00}. 

I also need to verify that this charge was not listed as misrepresented. If it was listed as misrepresented, I will need to take it up with XXXX XXXX 's as well at the state healing board. 

I am including the following documentation : a copy of the XXXX XXXX 's dispute, a copy of their eventual credit dated XXXX, my XXXX XXXX XXXX XXXX XXXX claim, the XXXX XXXX 's withdraw, the XXXX XXXX 's rebill that shows a posted date of XXXX ( this is well before my withdrawal dated XXXX, so I am unclear why they used this date ), and a screen print of the alert I sent to billing dispute. 

Finally, they should have asked me for all of the supporting documentation during the dispute period.
Product: Debt collection

Enhanced Recovery is reporting on my credit for a debt I have already paid. I never received any notices from them and when I saw it on my credit this past month I called & settled it immediately. I should have received a notice because if I would have then I would have contacted them immediately. This went to collection in error anyways because I was working with XXXX to pay this.
Product: Mortgage

In XX/XX/2016 I was granted a XXXX Veteran Property Tax Exemption by the State of Texas, that was backdated to take effect XX/XX/2016. At that point, every month, my property taxes were being drafted with my mortgage & insurance. As soon as the XXXX exemption was approved I started going through the process of refunding all property taxes that had been paid for the year XX/XX/2016 and to have them stop escrow payments going forward for future property taxes, as I am exempt. At some point in XX/XX/XXXX, I was told I would need to call back in XX/XX/XXXX to check on the status. In XX/XX/XXXX I was told they had no information and I would need to re submit all the documentation again an start over. I have been calling them every other week to check on the status of my refund and cancellation of further tax escrow. They have told me I need to call because they are unable and not allowed to contact me, unless I owe them money. Today, the again acknowledged that I do not have to pay property taxes, and that they owe me a nearly {$8000.00} refund. But they have no answers for me on when and how that will happen. They again tell me that they will stop the monthly draft for tax escrow payments, but this has been ongoing for 6 months now, and they are still taking money for property taxes that I do not have to pay. I am told every time I call that they are going to notate the information, pass it up the chain, and make sure it is taken are of. Every time I call they say the same thing. I ask them to call me to keep me updated and they tell me they do not contact customers. Then, like clockwork, I receive my monthly mortgage statement that includes a property tax escrow payment.
Product: Mortgage

My mortgage company received funding from the Homeowners Assistance Fund on my behalf in XX/XX/XXXX. ILHAF paid all money in the rear {$11000.00} plus 3 future payments totaling {$2700.00}. My mortgage company applied the payments incorrectly to my loan therefore causing a lot of issues for me. It has been a headache, time and energy wasted trying to get them to correct this issue. I called in XXXX and sent them a written request on XX/XX/XXXX regarding my payments being applied incorrectly. All the back payments and future payments sent by ILHAF were applied to the 1098 tax year XXXX, which should not have been. Two of the payments should have been applied to XXXX tax 1098. My mortgage payment are XXXX and has been for over 16 years. I have a conventional loan so the amount should not have changed. I do not have PMI or an Escrow account. Where did they apply my lost payment of {$920.00} plus {$19.00}? They also have a Corporate Advance Fee on there for {$19.00} which Im not sure why its there but ILHAF paid that as well in the lump sum amount of {$13000.00}. They actually applied PMI to my mortgage and that should not have been there. I have a conventional loan. Ive been in my home for over 16 years and have equity of over 50 %. I have never defaulted on my homeowners insurance. Now they are sending me statements saying I owe them a payment for XX/XX/XXXX, a late fee and {$19.00} for a Corporate advance Fee which is incorrect. Im tired!!! Can you Please assist me with this company?
Product: Credit reporting or other personal consumer reports

I requested information about a Hard Inquiery that is unauthorized and fraudulent, there have been XXXX occasions and they have not requested my problem. It is reflected on my XXXX credit report. 

FORTIVA/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have requested the company and XXXX to remove this fraudulent information from my report. 
Fortiva has responded on XXXX occasions that they can not find my information. I still demand the deletion of this information since it harms my credit report and my rights.

I will attach additional required information requested in my last claim number : XXXX
Product: Credit reporting or other personal consumer reports

The dentist stated the loan was denied for the implants. I never received any implants or services but was still charged. The account was closed but never removed from my credit. 

ComenityCBXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported : XXXX XXXX, 2024 {$9000.00} XXXX Reported : XXXX XXXX, 2024 {$23000.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2024 {$2000.00} XXXX CARD Reported : XXXX XXXX, 2024 {$2500.00} XXXX  XXXX Reported : XXXX XXXX, 2024 {$6000.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2024 {$550.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2024 {$72.00} XXXX XXXX Reported : XXXX XXXX, 2024 {$120.00} FAIR COLLECTIONS AND OUTSOURCI Reported : XXXX XXXX, 2024 {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a USPS Certified Letter to Experian, XXXX, and XXXX on XXXX XXXX, in regards to several discrepancies I discovered on my consumer report. Please investigate and DELETE the following account : XXXX ACCT # : XXXX Why is this account reporting 2 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Last Activity is reporting 2 different dates. Delete this account. 
When the requested above Deletions are made, please mail me an updated copy of my consumer report. 
XXXX XXXX ACCT # : XXXX Why is this account being reported with 3 different Dates of Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX This account reports 3 different High Balances and 3 different Dates of Activity. Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Why is this account reporting 2 different dates of Last Payment and 3 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Activity is reporting 3 different dates. I am entitled to a complete and accurate report.Delete this account.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$620000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$5200.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for thee violations.
Product: Payday loan, title loan, personal loan, or advance loan

I received notices that i owed on a loan i never established from Net Pay Advance. I informed them that i had never done business with the company. I asked for the signed loan agreement be mailed to me, which they have not provided. The company did send a fraud affidavit form requesting very personal/sensitive information. I was not comfortable providing this without having proof that someone had opened a loan on my name. I communicated through email, text and phone. Since then, they transferred the loan to XXXX XXXX XXXX XXXX XXXX I informed the agency that i have never opened an account with net pay advance. I did check my XXXX profile and could not find anything regarding net pay advance. The account # is XXXX. I need direction on how to resolve this and protect my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

1. Wells Fargo ( WF ) duplicated hazard insurance ( hi ) payment by paying my hi company, XXXX, the payments I was and continue paying to hippo. this caused my mortgage payment to increase {$1300.00} 2. several WF supv acknowleded WF '  insurance dept mistake by not paying attention to the payments already being made by me. 

3. see the following 6 attachments : *attacmnt 1 : wf 's request to send proof of insurance by XX/XX/XXXX. 
*attchmnt 2A, 2B, & 2C : my proof of insurance & payments to XXXX ; sent to wf XX/XX/XXXX from WF branch *attachmnt 3A & 3B : WF closing property insurance and adjusting my mortgage payment back to it's usual {$1200.00} ; proof of their mistake and correcting it XXXX. I thought the case was resolved as clearly shown on attachmnts 3A & 3B, but another wf rep called me XX/XX/XXXX to say i still have to pay for their duplicated hi payment. 

6. she will never show you the attachments 's i sent you and she is misquoting me 7. see complaint id XXXX for original complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and submitted documents that the items in my report are fraudulent. Ive attached my drivers license and social security card and have not had the items removed as well as the inquiries.
Product: Checking or savings account

I am XXXX XXXX, an XXXX Passport Holder and promoter of new XXXX XXXX XXXX XXXX XXXX XXXX, incorporated in the State of XXXX ( hereinafter mentioned as applicant Company ). I am also XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX established in XXXX. 51 % of shareholding of the applicant XXXX is held XXXX, 42 % by me and 7 % by XXXX XXXX. We visited Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX  XXXX for opening of Current Account in the name of the applicant Company. To my utter surprize, the lady at the counter refused to open the account with mere reason of the promoters being foreigners. The reason quoted by the gentle lady is beyond my imagination. I was really hurt with the response of the dealing gentle lady. Rather I felt cheated by making a decision of making investment in your XXXX. I wouldn't have minded, had the concerned Bank asked for any number of documents before opening the account for their due diligence. I would have gladly provided all required documents. But refusal simply on the reason of key promoters being foreigners is not at all acceptable. 
We the promoters are law abiding citizens, more so I am member of XXXX XXXX XXXX. How is it possible that a Bank of such a repute can refuse to open the account just because of the reason that the key promoters are non XXXX Nationals. 
I would like to know, is this policy of the Bank with the approval of the US Government? XXXX the XXXX side, your Govt promotes XXXX, on the other hand your Banks discourage the foreign investors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax experienced a security breach where over 100 million people were affected. This was discovered over one month ago however they did not disclose this information to those affected. I only found out that they had been breached via news outlets.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights! 
15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions! 15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years! 15 USC. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am filing complaint to this company I found inaccurate information to this LVNV FUNDING. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX The following accounts are being incorrectly reported by delinquent date. The original delinquent date is more than 1 year prior, making this account ineligible to be reported. I demand it be removed from my account immediately.
Product: Debt collection

I am writing to file a formal complaint against TransUnion regarding their failure to properly verify a disputed account from XXXX XXXX. Over 30 days ago, I submitted a dispute regarding this account, and TransUnion has failed to provide a legally required verification or substantiate the accuracy of the account in question. 

In violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate disputes and provide a resolution within 30 days, TransUnion has failed to meet the deadline for providing proper verification. Rather than conducting a thorough investigation, TransUnion relied solely on information provided by XXXX XXXX, which is not the party associated with the account in question, as the issuer of my credit card is XXXX Bank. This action is inconsistent with the standards for accurate and fair credit reporting as mandated under the FCRA. 

Further, this error is having a severe and negative impact on my familys financial stability and overall livelihood. The negative marks on my credit are creating significant obstacles for my family, particularly in our efforts to secure stable housing. The inability to remove these inaccurate reports is preventing us from obtaining a home, and this burden is exacerbating our financial difficulties. 

The failure of TransUnion to act in compliance with the law, especially regarding Section 609 ( a ) ( 1 ) ( A ) of the FCRA ( which gives consumers the right to have information removed from their credit reports if not verified ), is causing undue hardship. Despite XXXX Bank 's verification, I am requesting that TransUnion delete this account from my credit report in accordance with their obligations under the law, as the verification process has been faulty, and the account is adversely affecting my familys quality of life.
Product: Credit reporting

I got an alert for a new employer listed and I am currently self employed. I need more information and Credit Karma has n't provided anything other than XXXX XXXX, 2017 XXXX XXXX as the new employer which is not me or my employer
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : credit cards not mine XXXX XXXX XXXX XXXX FCRA Violation : other loans not mine XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX FCRA Violation : names and address not mine 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation XXXX auto loan not mine XXXX XXXX XXXX
Product: Debt collection

I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have no contractual agreement with this company Midwest Recovery Systems and I revised this to be send back to the original creditor.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and Experian. 

Please delete the following accounts : XXXX  XXXX Account Number : XXXX Balance : {$440.00} XXXX XXXX Account Number : XXXX Balance : {$5300.00} XXXX XXXX Account Number : XXXX Balance : {$5100.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$880.00}
Product: Debt collection

I never received a " True Bill of Commerce ''. I have not entered into any contracts with this entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is pulling my credit, sometimes every other day. I don't seem able to cancel and make them stop. They are using various names : XXXX XXXX, XXXX XXXX Interactive, XXXX XXXX XXXX. This has negatively impacted my credit and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAGEMENT XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that SOURCE RECEIVABLES MANAGEMENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

Around XX/XX/XXXX, I called Navy Federal about funds being available to cover my mortgage in another account. I was told to transfer funds from one account to the other once my military pay was available on the XXXX of XXXX and it would cover the mortgage. I did as customer service advised and transferred. Days later I received an email message to call the security center from Navy Federal. Later I learned I was a victim of phishing. Navy Federal has not helped me at all my accounts were frozen and forms that needed to be submitted it seemed they were unwilling to give them. The credit Union is not truthful to its customers because they told me they paid the mortgage on three occasions and my mortgage and other bills remain unpaid. Lastly, after talking to Navy Federal again today I dont believe they are doing any type of investigation because I was blamed today and XXXX was taken out of my account not even sure when it was taken I asked the customer service and was told I owed the bank over XXXX and the bank was not paying the mortgage. These issues have been going on for weeks. My stimulus check is supposed to go to my account I am a bit concerned about that. It is really sad that Navy Federal treat people in such a manner. Lastly, when I said I was filing a complaint the customer service representative said I could care less.