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

I have XXXX  XXXX XXXX accounts in my experian credit report witch has lot of incorrect information in there such as addresses, phone numbers and employers name. 
I have written letter to credit bureau since XX/XX/2019, to have this information corrected or removed, but 4 times they send me letter that everything is accurate. 
Also I send same letter to XXXX  XXXX XXXX account cervices exact same day XX/XX/XXXX and until today I don't get respond from them. 
I think they just don't really want to help me to protect my right, and I know your company have been made to protect consumers rights. 
Thank you I hope you guys can help me to get out of this dirt
Product: Checking or savings account

XXXX / XXXX /  XXXX   filed claim with  Wells Fargo re ference to payment to  HOA  made  XXXX    XXXX   throug h Bill Pay and the Management company on behalf of HOA claims payment was not received. I have contacted WF b ank several times through online inquiry and via telephone as of this writing. The payment was submitted via electronic transmission. I have already retrieved proof of payment via the Bank website ; however, this information is of no use to the  HOA management company as it doe s not indicate whom is in the possession of these funds and as of what date. Therefore, I have requested  of Wells Fargo  evidence of payment such as tracer and other associated transmittal information for proof to where the funds were transmitted and received. They have indicated that there is no error on their part ; however, continually refuse to provide proof as to when, where and who is in receipt of these funds . Representatives name s on today 's call was  XXXX  and  XXXX   XXXX . Additionally,  XXXX  was urging to waist my valuable time in placing a pointless and useless conference call after business hours. The  HOA management requires that I provide this necessary information so that we may locate where the funds were  delivered. I seek your help for expeditious resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Did an unauthorized hard credit check
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial bank finish with their investigation and send me an attachted document. HOW EVER, Ally Financial bank once again fail to provide me THE SIGNED CONTRACT DOCUMENT BETWEEN MY PERSON AND ALLY FINANCIAL, WHERE IS THE CONTRACT WITH MY SIGNATURE AND AN ALLY FINANCIAL REPRESENTATIVE SIGNATURE??? ALSO FAIL TO SEND ME THE SIGNED CONTRACT BETWEEN ALLY FINANCIAL AND XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are inaccurately reporting late on my credit file. 

Equifax, XXXX  and XXXX  is reporting that I was 30 days late with XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX when I was not. 

XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX Equifax - XX/XX/XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : XXXX and XXXX  - XX/XX/XXXX Equifax - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not fully investigate nor provide and factual acknowledgement of proof of accurate details, they did not send me any physical proofs that I signed anything on a XXXX XXXX account, I never had nor purchased, nor signed for any product ... absolute fraud, and they are suppressing my credit score causing me financial stress due to it ... XXXX XXXX has been removed by XXXX XXXX, and XXXXand my XXXX score is XXXX and XXXX reflectively, XXXX  who never answers their phones, a violation under federal code ... has my score at XXXX when I have never missed a legitimate payment of mine ... always on time ..they also are holding a fraudulent account, XXXX XXXX  in my file, which is completely erroneous, as well as a company or bank name XXXX XXXX XXXX. who I did not purchase a XXXX thing from ... complete fraud ... Ive filled out fraud packets for all of them in XXXX of XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Product: Mortgage

I was granted a loan modification but could not afford the new, modified payment, I have entered into the short sale program with Shellpoint and submitted a fully executed offer today, the XX/XX/XXXX. My sale date is in three days and I am imploring you to postpone it so that I may liquidate my home and move on. Shellpoint will retain much more money this way and it will spare me the tragedy of being foreclosed upon. My agent will get you anything you need and is the one who has saved me from being foreclosed upon, to date. I am fully on board to sell and just need a bit more time to allow you to process the short sale file.
Product: Credit card or prepaid card

Im writing a summary of fraudulent charges made on my credit card. Im outlining events that took place from XX/XX/2020 to XX/XX/2020. 


Two fraudulent credit card charges were made on my JP Morgan Chase Freedom Unlimited Card. These two charges were made on XX/XX/2020 but did not show up as charges until XX/XX/2020. Each of the charges were for {$2600.00} each, totaling to {$5200.00} plus a transaction fee of {$100.00} for each charge. This a grand total of {$5400.00} that was fraudulently charged to my credit card account. I called the chase fraud number on XX/XX/2020 and they had my account suspended, a new card issued, and assurance that these charges and the transaction fees will be reversed. I called the number on the back of my card two more times to assure that this was the case. 


I issued fraud alert through XXXX. I filed an FTC identity theft report ( ID : XXXX ) at IdentityTheft.gov. I filed a police report ( Tracking number : XXXX ) through the XXXX Police Department. All these fraud reports were made on XX/XX/2020. I requested my credit report and checked to see if all my information was listed correctly and that no other forms of fraud or theft were associated with me. 


I noticed the two charges and their transaction fees were reversed a couple of business days later and I was issued my new credit card and account number around a week later. Ive heard nothing about this case for over a month after it being resolved. 


On XX/XX/XXXX, the Chase Fraud department sent a pdf to the Statements and Documents section of my account. This pdf is basically summarized to say that the fraud department completed the review of the unauthorized transactions on my account and found that I have received benefit from both transactions. The Chase Fraud department is telling me that I benefitted from these transactions when I did not benefit from these charges at all. 


Today on XX/XX/XXXX, I read the notice that Chase still holds me responsible for the charges made on my account. So my newly-made account was recharged the two {$2600.00} fraudulent charges after already being reversed for over a month. 


I want to take further measures in protecting myself by reporting this to the CFPB. 
I took and will continue to take very proactive measures and report the charges as fraud to Chase and other third party agencies as I receive more information about this case.
Product: Mortgage

BofA has mishandled my escrowed property taxes since originating the loan, over and over again, miscalculating reserves, increasing the monthly withholding by about {$1000.00} per month, then decreasing and sending me a check for withholding too much, then failing to pay the taxes and incurring penalties and interest, then increasing the withholding again. I am shocked and appalled by their incompetence, and repeated insistence that I am to blame for their failures. It reminds me of the movie The Rainmaker, just that they have n't called me " XXXX XXXX XXXX ''. The only thing I 'm asking for right now is a refund for the penalties and interest that I incurred, in the amount of {$1300.00}. If they ca n't do this, and my appeals to you and their other regulators come to no avail, I intend to file a claim against them in small claims court, but to add claims for emotional distress and my time up to the maximum allowable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Also violations of defamation of character Acct name : Department Of EducationXXXX Acct XXXX XXXX ( Dept of ED/XXXX ) 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 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

According to my consumer account with XXXX, the Original Guarantor is DEPT EDXXXX XXXX HAS ALREADY DELETED and REMOVED FROM consumer report because their is no validation of debt between the consumer and company
Product: Credit reporting or other personal consumer reports

I received a credit card application from XXXX, Discover, XXXX, XXXX and XXXX XXXX in the mail dated XX/XX/XXXX and XX/XX/XXXX. They have all been declined. They alll have the same name and my address on them. 

XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Discover : Application ID XXXX XXXX : Application ID XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Tonight, I discovered unauthorized inquiries on my credit report, and I have no idea why. I reviewed my credit report like I always do, but this time there were unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Given this issue, I request that the documents Ive submitted be thoroughly reviewed so I can have peace of mind.
Product: Credit card

I structured my XXXX payment through XXXX as an electronic payment which Apple wouldve received on the same day that payment was scheduled, XX/XX/XXXX. Apple, according to XXXX, instructed XXXX to send a paper check instead. Through the mail. XXXX processed that check on XX/XX/XXXX and did as Apple requested, mailing it. Apple received that check on XX/XX/XXXX, but did not post it until XX/XX/XXXX, resulting in a {$52.00} interest charge for late payment. 
The fact that Apple declined an electronic payment and instead created this situation of unnecessary delay, not only through requiring a mailed check rather than electronic payment, but also by failing to post it even though it has been in its possession as of XX/XX/XXXX is entirely Apples problem. Charging me interest under these circumstances strikes me as a scam and I am quite concerned about this. I have had this Apple credit card since XX/XX/XXXX. I have always paid the balance in full electronically on the last day of the month and my account has always been credited immediately with that payment. This changed two months ago when Apple twice converted payments from electronic payment to paper check and Failed to post the check upon timely receipt. In both circumstances Apple charged interest. They reversed the interest charge from my XXXX payment after I complained to you, but have not done so for XXXX. I was told by two Apple supervisors that Apple is trying to move customers away from third-party payment platforms like XXXX, and instead encourage people to pay through Apple XXXX. By creating a situation causing the late payment, and then charging interest, I believe Apple is engaging in unfair and deceptive trade practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I contacted XXXX for a fraudulent inquiry that was placed on my credit report. I completed mailed documents that they required and also contacted the credit bureau on three different ocassions and it has not been resolved and removed and has tremendously affected my credit. I also received another fraudulent XXXX   charge that I never requested. I feel that something fraudulent is going on with pay pal. Several of my family members reported several fraudulent XXXX charges recently. They have not corrected and removed the fraudulent inquiry and it is now XXXX over 90 days and that very poor abusive and illegal service.
Product: Credit card

XXXX Someone used my online nordstrom and macy 's XXXX and made several purchases. Luckily I was able to get all the credits back from chase after I report for credit card fraudulent except XXXX transaction that was made from XXXX accout it was already picked up from the store. Transaction date is XXXX {$1800.00}. 
I was even traveling during that time i came back to the states on XXXX. XXXX denied for unauthorized transaction on that one. Also doesn't want to provide me any type of evidence or documentations.chase asked me for more documents and evidence when I can't get from anywhere. I even went to police station and reported for credit card fraudulent as identity theft the report number is # XXXX It doesn't seem either of paypal and chase wants to be responsible for this case and they want me to prove that it was not authorized by me. I even provided my boarding pass and stamps from passport that I was not in in the country during that event.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having problems with Experian for some reason. They will not update my report. 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 stunning payment record with this company. I think it is ridiculous that I have to file multiple complaint to get them to update my report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my 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 creditor. Please have my account updated ASAP : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited XXXX checks into my chase bank account from my clients that I work for on XXXXXXXX XXXX2024. And today on XXXX XXXX, 2024 I receive a notification that both of my checking account are frozen. They tried to say that XXXX of the checks popped up as fraud because XXXX of the checks from the same person have the same amount. But in their system its showing up as I did a duplicate check which I didnt. I went over the checks with them and the proof that I had and they still said that they can not release my funds to me or unlock my bank account, they even confirmed with the check writer that the check is not fraudulent, and still will not unlock my account. Now I dont know what to do because chase has all my money from both accounts and my bills are due today and I have no funds to pay now.
Product: Student loan

The school closed in 2017 couldn't continue to go did not receive a degree
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a copy of my credit report. I have been trying to get it after I was denied credit based on the information Equifax reported. This was last year and still no luck. I have sent all the supporting documents as per their request but no reply from the company. Please Help!
Product: Debt collection

XXXX XXXX XXXX manages XXXX Apartments. XXXX Apartments has sent my information to a collection agency called National Credit Systems , Inc . Since XX/XX/XXXX I have been receiving calls and letters from NCS requesting payment for something I never agreed to pay. I signed a lease with XXXX XX/XX/XXXX that ended on XX/XX/XXXX. As stated in the lease, the contract only automatically renewed on a month-to-month basis if neither if either party failed to give 60 days notice. I gave my 60-day notice and did not enter another agreement with XXXX Apartments. There was no new lease signed, I did not agree to any of the charges they tried to bill me for. When I received my first letter from NCS I informed them, through certified mail on XX/XX/XXXX, that I had no knowledge of the charges. I asked if they could validate them and provide a detailed explanation. I have receipts from that letter that my letter was received on XX/XX/XXXX. National Credit Systems ignored my requests and continued to ask for a payment in a letter dated XX/XX/XXXX. On XX/XX/XXXX I sent NCS another letter explaining to them that I think my rights had been violated by failing to validate a debt at my request and continuing to attempt to collect a disputed debt, both FDCPA violations. I asked them, again, to validate this debt. I specifically asked for them to provide me with the following : 1. Proof of right to own/collect this alleged debt 2. Balance claimed including all fees, interest and penalties 3. Contract bearing my personal signature 3. License proof to collect debts in my state To date they have yet to comply with my requests for validation. The lease they insist on providing me with expired with no new agreement on XX/XX/XXXX. XX/XX/XXXX, I fulfilled my final payment to XXXX Apartments and had a XXXX balance. XX/XX/XXXX, I received extra fees and charges ( I also disputed and was told by XXXX I should've done a walk through - XXXX was NOT doing walk throughs at the time due to covid ) I never agreed to and along with threats to my credit report. I am distressed that XXXX Apartments and National Credit Systems has continued to harass me, after I asked them not to contact me until they can validate this debt. They have now included this information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the information they report. At this point I feel this company and any claims for amounts owed is untrue and not properly investigated. Im very bothered by the months of harassment and disregard of my rights by National Credit Systems and XXXX Apartments. 

This company presented me with a new lease because they knew the old one had expired and when I declined to sign the new lease they knowingly used the expired one to harass and illegally collect from me. 


I would also like to note that I filed a complaint with NCS XXXX and XXXX Apartments XXXX. I'm not trying to submit double complaints to XXXX, however I am trying to file a complaint with the source of this matter, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX Account # 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: Student loan

My student loan payment is due on XX/XX/23. Today is XX/XX/23 ; when I attempt to make the payment, I am unable to select todays date as the submission, forcing me to select the XXXX, but then the system states it would be a late payment and would be charged a late payment fee. Any attempt to make my payment is rejected even when I did select the XXXX. 

Essentially, they won't accept my payment because it's a weekend even though their online system is meant to be XXXX service. The bill should be in submission and marked as paid.