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

Experian Credit Reporting Agency has sent several result letters stating that they've investigated the accuracy of the XXXX  XXXX bankruptcy, and they're stating on the results letter that they've verified through third party XXXX XXXX which I don't understand how this is possible. I have a security freeze that was placed on my credit file since 2019. Please explain how my information is being communicate without my knowledge as no one from XXXX XXXX has reached out to me for permission to release my information.
Product: Checking or savings account

In XX/XX/2018 i deposit a check of XXXX and in XX/XX/XXXX i ordered something from XXXX XXXX  the order did not go right so i canceled the order and told navy federal to expedite my funds back into my account so the did. Now they are telling me in XX/XX/2018 XXXX XXXX XXXX gave me the MONEY back. Navy federal would not admit the human error they still had my oops account open plus the were removing money from my savings to my checking without consent from me and i told them to stop and they did not and now its a human error that they are leaving me liable for their error and i ask that you will investigate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scammed by XXXX XXXX he has attempted to open numerous accounts and was successful at opening one under XXXX with my name as the buyer in Texas XXXX XXXX XXXX as the merchant he got {$9500.00} after I already informed Synchrony bank that this was fraud/ identity theft Their investigation took three weeks and they opened him another card saying that I was involved because he had my drivers license number. I called synchrony again but they gave him another credit card which cost me {$9500.00}. there are several other companies that I filed disputes with through XXXX that I have not been resolved that I need help with. 

Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had the misfortune of cashing a check for a fraudulent client on XX/XX/XXXX. That check was for {$190000.00}. From that check under the fraudulent client instructions, I was supposed to transfer {$99000.00} to a made-up vendor 's bank which was located in XXXX. On XX/XX/XXXX, I initiated the International Wire Transfer from my local Chase Bank. 

Originally I was told by the bank and I have a saved Receipt that the funds from the check would not be available until XX/XX/XXXX. However, Somehow someway they were able to initiate the Transfer on XX/XX/XXXX. 

On the morning of XX/XX/XXXX, I found out that the client who I believed was legitimate was in fact fraudulent, and had been running check fraud schemes since XXXX. At this point, I called the bank to alert them, and to cancel the wire transfer. Until that point, all of that money in my account was usable ( I'm assuming they might have cleared it, but I don't really know ). 

The bank rightfully removed the {$190000.00} from the bounced check. However, the issue now lies in the {$99000.00} international transfer that was initiated on XX/XX/XXXX. They said they were doing an investigation and simply couldn't reach the other bank, so I should reach out to them. I know from keeping in contact with the fraudulent client ( who doesn't know I've figured him out and reported him to the FBI ) that the funds never arrived. I currently have $ XXXX in my business bank account, because I was lucky enough to move the small amount of money I had in the account out of the account, but obviously, the negative balance impacts my business 's credit and I also believe interest on it continues to accrue. 

If I were to pay Chase the amount they are claiming I owe, they would be unjustly enriched by {$100000.00}. Not only do I believe that is a wrong and unfair business practice, but it also hurts me and my XXXX. My XXXX  is brand new. I started it in XXXX. There is no way I could pay for that. 

When I try calling my local branch, they ignore my phone calls. I tried using their " secure message center '' but they send me the same bogus message telling me they've received my message and that they will give me a call. They call me at random times throughout the day and never leave a call back number. For almost a month I've been trying to get in contact with a live person about this issue and all i get is automated messages telling me to message them or go to my branch. When I go to my branch they tell me there's no way they can get in contact with the transfer people. It's insane to me. As a person who's never seen {$100000.00} anywhere but the movies this is terrifying for me.
Product: Vehicle loan or lease

I brought my car in XXXX of XXXX I always since in more then what statement says in attempt to pay off the loan quicker. I noticed that some of my payments were not being applied to the principle of the loan like I asked. I contacted the company both by phone and in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XXXX XX/XX/2023 and on XX/XX/2023 to XXXX, XXXX and Experian. Here is my tracking number most recent track # XXXX XXXX track # XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. Everytime i call they tell me can't find my paperwork. This is not making any sense. 

According to the law 15 U.S.C. Code 1681 ( i ) - XXXX in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 my 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 XXXX, XXXX 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 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 have a Commerce bank XXXX credit card. During the month of XXXX my access to the card was abruptly stopped. i was no longer able to log into my account and was not given information over the phones automated system about my balance or payment. 

Since then i have tried to reach out to commerce bank to figure out what's going on. I cant make a payment online or over the phone and don't know how much I owe. 

Commerce bank has reported me as 30 days late on my credit reports. They never sent me a bill statement and don't give me access to my online portal to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the companies, to no avail! The listed information is completely inaccurate and must be corrected.
Product: Debt collection

On XX/XX/2021 I sent out an 609 form to Trans Union in order to verify that in fact this was my account XXXX. 
To no response they have not verified nor have they validated my account information from XXXX XXXX showing me proof that indeed I owed or ever had an account with them. I enclosed a copy from XXXX  showing that there account from XXXX XXXX was deleted and removed from there system. This has cause me tremendous stress.
Product: Debt collection

I was contacted by Paragon Revenue Group in XXXX NC saying that I had three accounts that I owed them money for in XXXX of 2022. These were reported as medical debts on my credit report. I immediately sent them a letter via certified mail requesting them to validate/verify the debt and that they had the right to collect. On XX/XX/2022 they sent me a packet of documents in the mail, which I have attached to this complaint. In this packet were pages upon pages of personal and private detailed medical information about myself. They did not include a signed HIPAA release. They did not include any kind of original signed contract and they did not provide a contract showing they have a relationship with the original creditor to collect on this so called debt I owed. I did not realize that they had not provided the proper verification needed until I spoke to a lawyer this week who pointed it out to me. They refuse to remove the 3 collections from the credit bureaus upon requesting this. The phone representative was also threatening toward me and tried to strong arm me into making immediate payment without proving they have any kind of right to collect, what the amount is, who they are collecting for, etc.
Product: Debt collection

Midland Funding purchased an old XX/XX/XXXX XXXX credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address Midland had.
Product: Credit card or prepaid card

Disputed with company in XX/XX/XXXX and XX/XX/XXXX in the amount of {$300.00} when it showed a discrepancy with credit limit and amount in collection. Also name dispute. Several attempts have been made to have this removed from my credit report. Have disputed twice. Company states that they know longer have account and given there outside agency number to no avail. Tried calling the outside company and the company states that the name on file and my name is not the same and can't give me any information. Requested that they remove this from my credit report and was told nothing will happen if I can't give the name on the account.
Product: Credit card

A payment scheduled for XX/XX/year> in the amount of {$4400.00} from my Citizens Bank Checking account to be applied to my Citizens Cash Back Plus account was rejected without reason or notification. At the time of the scheduled payment there was sufficient balance satisfy the payment. Interest in the amounts of {$120.00} and {$31.00} were charged to my account as a result. 

Subsequent phone calls to Citizens Bank customer service and Citizens Cardholder Services I was offered the explanation that because of an account change that occurred between the date the payment was scheduled and the actual date of payment.

This limitation is not mentioned in either the Citizens Cash Back Plus Cardholder Agreement or the Citizens Digital Terms and Conditions.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with HUNTER WARFIELD, INC, I do not have a contract with HUNTER WARFIELD, INC, they did not provide me with the original contract as i requested
Product: Payday loan, title loan, personal loan, or advance loan

I made a phone call to figure out why my payments werent even making a dent in my XXXX dollar loan I received in XXXX its now XXXX and they didnt really give me any information other than that I signed the contract for the loan I have now paid XXXX dollars on a XXXX dollar loan
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were posted, and unknown to me, on my credit report : EQUIFAX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XXXX, XX/XX/XXXX. XXXX/XXXX, XX/XX/XXXX. EQUIFAX XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX.
Product: Checking or savings account

Subject : Complaint Regarding Account Opening Process at XXXX XXXX XXXX XXXX XXXX, MI Branch On XX/XX/XXXX  I spoke with the representative emailing all the necessary documentation, including an Employer Identification Number ( EIN ), articles of organization, and my identity documents, as an alternative to a Social Security Number ( SSN ). I expected to proceed with the account opening smoothly, but to my surprise, the representative went into default refusing to fill out a Form P1 ( Reasonable cause for not obtaining a payee number ) and requested a Social Security Number. This request caught me off guard as I was under the impression that providing an EIN, along with the other requisite documents, would suffice. 

My concern arises from the misunderstanding that occurred during this interaction. It is essential to clarify that while bank staff may request a Social Security Number, they are not mandated to obtain one. The distinction between requesting and requiring such information is crucial. In cases where a banker wishes to demonstrate their effort to collect a Social Security Number, Form P1 should be utilized, as it serves as a reasonable cause form. This form is designed to protect banking staff and ensure compliance with relevant regulations. 

I strongly believe that the bank staff XXXX XXXX and branch manager XXXX XXXX at the XXXX, MI XXXX should be well-informed about Form P1 and its purpose, as it plays a vital role in protecting both customers and the institution itself. By utilizing Form P1, clients can attest to the fact that the bank requested their Social Security Number but it was not provided. This procedure aligns with the provisions outlined in XXXX XXXX XXXX and Treasury Regulation XXXX ( c ), which allow for the waiver of penalties in such cases. 

I kindly request that you address this issue promptly and ensure that your staff at the XXXX, MI branch is educated on the proper application of Form P1 and the difference between requesting and requiring a Social Security Number for account opening. It is crucial to provide a more transparent and efficient process for customers who may not possess an SSN but have valid alternatives, such as an EIN, as recognized by the relevant regulations.
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 violates 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

I am in the market to refinance my currant mortgage held by XXXX XXXX XXXX XXXX in Nevada. I went on line and found a company called LoanDepot. I spoke to XXXX XXXX on XXXX/XXXX/2016 who took {$10.00} and we talked about possible loans available for my situation. That situation is simply we have a 5.6 % mortgage loan and now that home values are coming back up I wanted to refinance for a lesser rate, no cash out nothing, just refinance. As a XXXX Veteran he said I could qualify for a VA loan. I explained I had done that twice and he said you can do it again. If the loan was assumed and not paid it would be on m Credit Bureau. Okay. So he gave me a rate of 3.625 % and told me he 's been doing this for 9 years, he 's a great person etc. He said he would send documents email later that day and call me in the evening and go over everything because logging in can be a little tricky. then they would get a VA appraisal for {$200.00}. No call, nothing. LoanDepot never called back. On top of that XXXX showed that LoanDeport through XXXX inquired XXXX/XXXX/2016 on my credit report twice and really kicked my credit score. Then I get a call from their customer service (? ) wanting to know how things were going. When I told them what happen they were like, oh, asked who my loan officer was and hung up. You need to look into this company. Something is very wrong with what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 do not understand the payment history on my account. Repeated attempts to find out why there were repayment plan payments applied when I never agreed to a repayment plan. Local branch and mortgage loan opertations could not explain. I also do not understand why they were satisfying Late charges and expenses instead of trying to get my account current. what was going was to no avail. Credit History has been impacted.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FRANKLIN COLLECTION SV Account Number : XXXX Date : XX/XX/2018 Amount : {$470.00}
Product: Checking or savings account

Someone used a fake identity to withdraw {$20000.00} from my checking account on XX/XX/23. The report has been reported to my bank and they are investigating.
Product: Credit card

I recently applied for a Discover card. They advertised a 10.99-22.99 % APR. My credit rating is XXXX, I have never gone through a bankruptcy, I only own XXXX other cards, I 'm XXXX years old, own my own home and have paid my bills on time for the past 40 years. I have only {$6000.00} worth of debt ( half car loan and half credit card ), half of which I am transferring to the new card. I 've been employed with the same employer for five years, and if anyone expected to receive a favorable APR, it was me. So imagine my shock when I was approved for the card, which after six months at 0 % APR, shoots up to 20.99 %. I really think this is deceptive advertising. If I can not receive a better rate than XXXX, I ca n't imagine there is anyone getting close to a 10.99 % rate. When I complained to the customer service person, she said I should call back in 6 months to see what they could do. I 'm not holding my breath about that, I will probably never use the card unless I can pay the balance each month.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX ....
Product: Credit reporting or other personal consumer reports

The XXXX Account with XXXX XXXX was deleted from my XXXX report for fraud and incorrect information. Transunion is still reported the account.
Product: Mortgage

I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BK OF AMER with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never been late.
Product: Payday loan, title loan, or personal loan

A loan was opened in my name which I did not apply for. The information given to Explore Credit was all my information but the bank account number the loan was deposited in was not my account. The email address given to them was not my email address either but they would not disclose what email address they have. The loan was applied for in late XXXX or Early XXXX of this year. I called Explore Credit and they were going to file it as fraud but would not give me any information on the loan except the loan number which is XXXX. I spoke to a representative name XXXX on XX/XX/2021 in regards to this fraudulent activity. She said they would try to reverse the deposit out of that person 's account and if they can't she may need more info from me to get this resolved. I wasn't given details in regards to this loan such as amount, bank account number