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

XXXX XXXX XXXX XXXX Account XXXX - XXXX i took a second look a my credit report and this account above is still not being reported accurately. Its showing that this account was charged off but in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates for Experian its shows Charged off for XX/XX/XXXX, XXXX XXXX XXXX but for the remainer of the year no data is avaliable. XXXX reports charged off for XX/XX/XXXX and XX/XX/XXXX and for the remainer of the year there is no data avaliable XXXX shows no readable data at all for XXXX. I'm now requesting you reinvestigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand this payment be update to paid on time immediately. Thank you for your understanding and prompt action
Product: Credit card or prepaid card

I have a CRA billing and payment problem with Chase Amazon Card # XXXX issued to me, XXXX XXXX. Chase notified XXXX only that I paid my bill " more than thirty days late in ithe XX/XX/XXXXbilling cycle. As a result, I had my perfect payment record destroyed and two creditors closed their credit accounts! Chase made a mistake. Under FCRA rules, Chase Card must mail me a statement each month so I know how much I owe. they did not mail me any statement. Chase claims to have sent electronic statements but, I did not receive any. Since last XX/XX/XXXX, I have been treated for XXXX and in the hospital. I do not see any computer statements at all. Under Federal and NYS consumer safety rules, I am not liable for any debt that is not mailed to me timely each month. However, I did pay the bill due during the XX/XX/XXXX ( attached ) statement cycle. I called up on XX/XX/XXXX and made a payment for {$210.00} by phone with Chase. However, Chase did not attempt to collect this check by phone. Chase just returned the check after making one attempt to collect it on XX/XX/XXXX. Federal and state consumer laws prohibit creditors from punishing consumers until they have collected the check at least twice. A check in NY is not considered NSF until it has been returned three times. Just to make sure I did make the payment, I called up and asked why the check was returned. Chase advised me to speak with a manager. I asked the manager on XXXX XXXX to accept a check for two payments for {$480.00} so the XXXX and XXXX cycles were paid. Please know the manager at Chase agreed to manually apply the {$210.00} due on XXXX XXXX and apply the balance due for XXXX XXXX cycle for {$270.00}. SO CHASE GOT THEIR MONEY AND THE STATEMENT PROVES THAT. The XXXX XXXX attached statement shows that I paid {$210.00} on XXXX XXXX. The XXXX XXXX attached statement shows that I paid {$500.00} which covered two months of payments. Please remove the creditor statement that states " more than 30 days late '' on the XXXX Credit Report for Chase Amazon Card # XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Re : {$2700.00} dated : XX/XX/XXXX and XX/XX/XXXX To Whom It XXXX Concern : On XX/XX/XXXX and XX/XX/XXXX, someone gained access to my accounts through Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX As a result, fraudulent charges for {$2700.00} were debited from my bank accounts. As I have my debit card and have never authorized that payment, I believe that my banking mobile app was hacked, and passwords stolen. In the amounts listed below. 

XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX I believe this to be true because my XXXX XXXX was compromised in XXXX. When I contacted wells fargo bank at that time they ran an investigation and it was said to be true. Since that incident, I deleted XXXX XXXX and believed my concerns had been resolved. Unfortunately, now the issue has arisen with XXXX. As a XXXX I have found that my clients prefer using digital money as form to make payments. In light of recent events, I have decided to remove all online banking apps containing money. 

I informed the bank wells fargo on the day of the theft. They have failed to reimburse me or try to understand that I did not authorize these charges. I contacted XXXX and they referred me back to my bank because it was through the mobile app.
Product: Checking or savings account

On XX/XX/2023, {$25000.00} were taken out of my account via Wire Transfer from my Wells Fargo account. I did not authorize this transfer, and I believe my online banking account was hacked. Within 30 minutes of the occurrence, I called Wells Fargo to try to stop or recall the transfer and gave them all the information they needed. I opened a case, but they said they would not be able to return my money even though I did not know who the recipient was and they stole my money.
Product: Checking or savings account

I live in NM 5 charges of XXXX for a store in XXXX was made 1 minute apart. I have never been to XXXX. I didn't go there shopping. My account is with credit karma. I filed a dispute the same day. The next day this same business tried to take our XXXX 5 times but I had stopped the card. Credit karma said they investigated it and couldn't resolve it so no credit back to my account. Even through it wasn't me.
Product: Checking or savings account

I tried moving funds XXXX XXXX XXXX XXXX from my Goldman Sachs Marcus XXXX to my XXXX XXXX XXXX and I received an email notification from XXXX XXXX or XXXX days later saying that they could not complete my transaction because my bank account was frozen. I checked with Goldman Sachs by calling, spoke with XXXX different people, and they all refused to tell me the reason due to " security reasons ''. The most that they would tell me is that it was likely due to either incorrect account informationXXXX XXXX activity, or XXXX more reason that I do not remember. I do not think any apply to me and have been using the account for a year with no problems. They said they will either send the money to a linked external account or send me a check, but they did not give me a time to expect it. Now I can not access my funds for some undetermined amount of time and haven't been able to for the last week since I originally tried making the transfer to XXXX. They said that they have the right to close my account at any time for any reason, which I understand since it was in the agreement that I signed upon opening the account, but they are not being forthcoming with information and didn't even send me any notification that this was going on ; I only found out because XXXX told me that my bank account was locked, which led me to call Goldman Sachs. 

If I try to move the funds in the app directly, then it gives me a vague error instructing me contact them.
Product: Credit reporting or other personal consumer reports

Hello, XXXX was called at ( XXXX ) XXXX XXXX XXXX  XX/XX/year>, and XXXX investigated and confirmed that there are no lates. 

XXXX further stated that they have NO correspondence from Experian, so Experian is dishonest and have acted in bad faith. She looked at the entire account has no credit bureau investigation. 

Experian has numerous times FAILED to provide documentation of late when I have recording of XXXX and XXXX confirming I have no lates. 

At XXXX XXXX  XX/XX/year>, I escalated the matter with XXXX ( supervisor at XXXX ), who stated they're not showing anything about they're late and there is no documentation of any correspondence from Experian. 

Both Experian and XXXX have both been notified XXXX with a written request, with no cooperation, of the erroneous entry of XXXX reporting a XXXX late on my credit. In addition, XXXX was called XXXX times. 

XXXX XXXX XXXX was contacted XXXX XXXX  XX/XX/year>, and she assured that my account is in perfect standing with no lates. 

XXXX XXXX XXXX was contacted XXXX XXXX  XX/XX/year>, ALSO assured that my account is in perfect standing with no lates. 

I mentioned the concerns how this erroneous entry is adversely impacting my credit and that it's in direct violation of XXXX XXXX. 

Thus, XXXX and Experian have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA so they are required by law to promptly DELETE all information which can not be verified..

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Experian is in violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Please investigate and enforce the laws, rules, and regulations on both parties, please. 

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

Experian and XXXX should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

This all started in XX/XX/2020 I notified the bank there were unauthorized transactions on my account dates XX/XX/2020 amount {$8.00} {$280.00} {$8.00} XXXX all on the same day from XXXX  XXXX  card to card location XXXX XXXX I do not know anything about XXXX they sent me some form to fill out I did and return them about a week or two later I tried to use my card it said it froze due to fraud suspension I called and called finally I got through and ask why was my account frozen they said I needed to send in my driver license and social security card I did so on a number of occasions so I called and always received a different answer now this has been going for over a year I did what they ask me to it has gotten to be too much I need my money I just want to close the account and received my money a year is too long for any bank. bank name direct express address XXXX XXXX XXXX XXXX XXXX tx XXXX thanks for some help in advance...
Product: Credit reporting or other personal consumer reports

I have contacted both XXXX  XXXX several times & received documentation that account # XXXX credit card was in fact reporting to all three bureaus since opening in XXXX I forwarded documentation to Equifax & contacted them disputing account not reporting at least 3 times Account still not reporting. This account is in good standing with XXXX balance Plz report it Additional, XXXX XXXX absolutely refuses to increase my credit limit after 3 years of excellent payment history All my other cards XXXX XXXX XXXX has increased my limits several times but they refuse despite my excellent payment history with many accounts & fair credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a loan of XXXX dollars opened in XXXX, as a joint loan. With preferred credit that was closed on XX/XX/XXXX. I have never had a joint loan, and never with perferred.credit. never even heard of the company until now. I would like it taken off my credit report. I am a single mother trying to get into a house that this keeping from renting.
Product: Mortgage

After 11 years with XXXX, they transferred my loan to Carrington Mortgage Services on XX/XX/XXXX. XXXX services my loan from XXXX. In those 11 years, I was late only 2 times in XXXX. I received a letter from XXXX dated XX/XX/XXXX informing me that they were canceling the MPI requirement on my loan and beginning XX/XX/XXXX my monthly mortgage payment would {$1000.00}. They also performed the last escrow analysis on XX/XX/XXXX, right before the transfer. In that analysis ; my monthly payment went from {$1000.00} to {$1000.00} - a {$53.00} per month savings for me. Lastly, during those 11 years, XXXX performed an escrow on my loan ONE time per year. 

Now that Carrington is servicing my loan, I am so afraid of losing my home. They performed 3 " Annual '' escrow analyses XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) ; my payment went from {$1000.00} to {$1100.00} in one year - {$100.00} more! 
XX/XX/XXXX - it went from {$1000.00} to {$1100.00} XX/XX/XXXX - it went from {$1100.00} to {$1100.00} XX/XX/XXXX - it went from {$1100.00} to {$1100.00} This is more than I was paying prior to the MPI being removed. In addition, Carrington is NOT showing the XX/XX/XXXX Escrow Analysis in my document history. And on XX/XX/XXXX I sent them an email asking why they performed so many escrow analyses when they had only been the servicer of my loan for 1 year ; they DID NOT respond. 

I bought my home in XXXX. Initially, I had an adjustable-rate for a couple of years, but when XXXX XXXX became the servicer in XXXX I changed to a 30-year fixed-rate, my home would be paid off in XXXX. Carrington has my maturity date listed as XXXX/XXXX/XXXX - 8 additional years. 

Currently, I am in XXXX forbearance, but want to refinance my home when it ends. Carrington is the 4th servicer ( XXXX XXXX Mortgage was the first ) and my loan payment has NEVER adjusted 3 times in one year. At this rate, I am afaid that I will not be able to afford my home ; I do NOT want to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, I was defrauded by a ticket seller claiming they had four ( 4 ) tickets to the Indiana XXXX XXXX game in XXXX, Indiana. I contacted the seller via text and we negotiated the price to {$370.00} USD in exchange for four tickets. He claimed he used XXXX XXXX XXXX and we could only use bank-to-bank transfer as a means of payment since he was out of town with digital tickets that he could transfer through the XXXX XXXX application. 

I sent the money to the seller via the Chase XXXX app, an amount of {$370.00} XXXX. After I sent the money, the seller disappeared. I tried to call and my number was blocked. I could tell where this situation was heading so I called Chase as quickly as I could. I sent the money at XXXX XXXX  on Friday, XX/XX/XXXX and was on the phone with Chase at XXXX XXXX, only 21 minutes later and then again at XXXX XXXX  with the two conversations lasting 36 minutes and 41 minutes respectively. 

On the phone with Chase, I told them I wanted to file a dispute because the seller had defrauded me and had went so far as to block my number. We were able to contact him from a different phone number and asked him if he still had the tickets and he said that he did. Chase told me that XXXX is being marketed as an application to be used only between real-life acquaintances and to hope that the criminal would send the money back in good faith. XXXX has never been openly promoted as only a way to transfer money as I took the time to search through all promotional items and commercials ( one commercial even goes as far as to mention paying your dog-walker for her services ). 

So since XXXX can not be used for merchandising, though never being explicitly stated, Chase told us we were out of luck and they would not file a dispute. After discussing the dispute, they made a courtesy claim. We called them back on the morning of Sunday, XX/XX/XXXX at XXXX XXXX for 11 minutes in which they told us they had closed the case and never made mention of it to us. After discussing our future with Chase, they told us this was our error and not theirs and hung up on us. 

On the phone during my initial conversation, the Chase worked made mention of the loophole that the criminal had exploited. In essence, he claimed Chase and XXXX are both aware, and thus complicit, in scamming and criminality. XXXX and all major banks are taking no responsibility despite being fully aware of how their services are being used. {$370.00} XXXX is the difference between paying my bills and not. The two services are not only turning a XXXX eye but encouraging the use of their services to be used for fraud. The seller used a fake name and a spoof phone number and made out like a bandit. XXXX uses legal jargon buried in their Terms and Conditions to protect them despite advertising differently.
Product: Debt collection

Collection Items found own report that are not mine. 
Original creditor : XXXX XXXX Account name : XXXX XXXX XXXX Account : XXXX Amount : {$1200.00} Original creditor : XXXX XXXX Account name : XXXX XXXX  XXXX  Account : XXXX Amount : {$910.00} Original creditor : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account : XXXX Amount : {$630.00} Original creditor : XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX Account : XXXX Amount : {$6.00} Original creditor : XXXX  Account name : XXXX XXXX XXXX Account : XXXX Amount : {$390.00} Inquiries do not belong to me. 

Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX Date : XX/XX/XXXX Creditor Name : XXXX - XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent out letter to Equifax about these hard inquiries on my account and also filled out a FTC report and they keep denying my request for removal. How did they verify these accounts are accurate? Please send me any type of documentation that you had that shows that you verified this is accurate. who did you talk to? what time did you talk to them? what was their name? What department did they work in? what did they say? Dis they show Equifax any proof? How did they validate the accuracy of these accounts? Please send me any and all documentation that you have that shows that you actually did your job and validated these accounts.Send me these documents within 15 days. If you cant not send me these documents in 15 days, delete this from my account immediately. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 XXXX. Section 604 of fair credit reporting act. 

Closed Accounts XXXX XXXX XXXX XXXXXXXXXXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX