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

I reached out to Equifax to understand why they were displaying XXXX separate hard credit inquiries with XXXX different mortgage lenders. 

The information on their website states that all new mortgage loans are generally counted as XXXX inquiry for a given period of time ( 14 - 45 days ). 

I asked them why they were not displaying these XXXX separate hard credit inquiries as XXXX inquiry as is mentioned on their website : https : //www.equifax.com/personal/education/credit/report/articles/-/learn/understanding-hard-inquiries-on-your-credit-report/ I was told that this was not true by an agent named XXXX, saying that these mortgage lenders hard inquiries are supposed to be showing as XXXX separate inquiries even though they were pulled within a couple of days of each other in XX/XX/year>. As you can see, this information is not in-line with information that displays on their website. These are showing as XXXX separate inquiries and as a result has hurt my credit. 

I escalated the call and spoke to a " XXXX '' who did not seem to understand what I was saying and kept mentioning that they can only file a dispute on my behalf if these inquiries are fraudulent. 

They did not seem to understand that I was not questioning whether or not the inquiries were fraudulent- they are not fraudulent. They refused to listen to me when I shared that the way they were reporting this information is not accurate. 

I kept telling her this was not the issue and to please transfer me to a department that could better understand that the hard inquiries are not displaying correctly on my account. She refused to do so and started to speak in a way so that I could not understand her even though I repeatedly told her I did not understand what she was saying. She also refused the escalate the call. Very unprofessional and felt that I was being pushed aside. I will not stop until my account is corrected.
Product: Credit card

This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA XXXX It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) against Equifax due to their failure to respond adequately to my dispute. On XXXX, I sent a dispute letter to Equifax, seeking an investigation into inaccurate items on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and an incorrect name. Subsequent to this, I sent follow-up disputes on XXXX and XXXX. Unfortunately, I have not received any response from Equifax with investigation results. 

The Fair Credit Reporting Act ( FCRA ) explicitly states that if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation. Equifax 's failure to initiate a reasonable investigation is a clear violation of my consumer rights as outlined in the FCRA.
Product: Mortgage

Geneva financial created alleged money that was advanced on behalf of me from thin air by bookkeeping entry. They willfully and maliciously led me to believe they gave me a loan, in which I receive no alleged money.They did not disclose to me that my signature allowed them to create the money on my behalf. The money created never went into my account, nor did they disclose to me when they acquired the money through monetizing the note ( promissory note ). They led me to believe they were acting in good faith with clean hands and the alleged loan documents were lawful binding contracts. I was unlearned an unaware a novice to the laws and operation of the bank and real estate industry and this company took advantage of this fact to fraudulently deceive me. The alleged loan document contract is ultra vires, void by not meeting the lawful requirements of a contract, to wit : 1 A 'meeting of the minds ' did not occur ( full disclosure of the facts involved in the operation of the contract. 2. no valuable consideration was exchanged, on this note promises were made however I did give and ambiguous signature, they in return never signed, there was no risk or liability on their part, because no money was loaned. I am not liable by my signature as well. They did knowingly create fraud against me the proof which is on the the Summaries of transaction box 22 it clearly states " Total paid for by the borrower '' proving the home is already paid off by my signature but this company keeps sending documents through the mail misleading me to believe i still have an outstanding debt obligation.They too are threatening foreclosure action even though their first lien is past the 120 day STATUE OF LIMITATION .U.S.C.78c Section 10 violation of Regulation Z, violation of the code of federal regulation 12 CFR 226.23 and 12 U.S.C 226.23 Appendix H have all been violated which gives me right of rescission. Geneva Financial never disclose their note is a security. In selling my security to XXXX XXXX where is my portion of the dividends? Where is the interest from the money they are making through UCC 8-102. I have rights to the funding source which was my signature. They are not allowed to hold a note period. Nor or they allowed to loan their own money or depositors money, so where is the money coming from they loan me? They got the money from my credit. The security agreement was done in constructive fraud, and violates every disclosure requirements. Signing a note for me is fraud / lack of full disclosure and identity theft. Base off documents they made money off my credit 3 times, however it could be more. There was no disclosure stipulating the utilities left in the house, I was told all utilities left in the house belonged to me. A fridge, washer and dryer were stolen from the home which throws off all their loan calculations by XXXX dollars.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I seen a pair of XXXX XXXX concert tickets I notified the person about the tickets, we went back and forth about how to do payment and I asked gentleman to send proof of e-tickets and he did.I then called him about the tickets he told me I can transfer the tickets through ( XXXX ) and that I can go through my Mobile banking app ( Suntrust ) .I opened a account on XXXX thinking my bank had my back and transferred the money of XX/XX/XXXX day of the concert.Soon as money was sent I called seller to see why my tickets were not sent, call didnt go through and was on block.I then realized it was a scam.I called my bank immediately to stop payment they couldnt.
Product: Checking or savings account

I was solicited from HSBC to open a new premier checking account where I could receive cashback on my direct deposits. I applied for a new checking account and was approved and deposited my opening deposit. I also transferred monies from another account that I had into this account. I logged into or tried to log into my online banking and saw the account was restricted. I called HSBC and they stated that my account was closed for a reason they are not able to disclose on XX/XX/2021. I have called several times and they keep telling me that they are unable to tell me when they are going to mail me my bank account funds. It has been over two weeks now.
Product: Mortgage

Freedom Mortgages states that they paid my homeowners insurance from my escrow account on XX/XX/2021. The amount of my homeowners insurance was deducted from my escrow account at that time. The insurance company ( XXXX XXXX ) states that they never received my insurance payment from Freedom Mortgage although it was deducted from my escrow account. I called Freedom Mortgage on XX/XX/2021 and they stated that the check for the insurance had been cashed by XXXX XXXX on XX/XX/2021. Freedom Mortgage further stated that they would send a copy of the cashed/canceled check to XXXX XXXX to clear up the matter. At that time, myself and a representative of Freedom Mortgage conference called XXXX XXXX. XXXX XXXX stated that as soon as they received the canceled check they would make my account paid in full. XXXX XXXX never received a copy of the canceled check. I called Freedom Mortgage again on XX/XX/2021 at which time they stated that they will email a copy of the canceled check to both XXXX XXXX and myself within 48 hours. Neither of us received a copy of the canceled check ( again ). I called Freedom Mortgage again on XX/XX/2021 and discussed my frustration with the situation and inability of the company to account for the money taken out of my escrow account. The representative reassured me that within the next 48 hours they would have a copy of the canceled check to both me and XXXX XXXX. She also stated that she will follow up with me to make sure I got it. I told Freedom Mortgage at that time that if they did not follow through within the next 48 hours ( as I have been promised by them on a couple of occasions ) that I will file a complaint with CFPB. The representative assured me that the matter will be taken care of expeditiously. It is now XX/XX/2021 and I still have not gotten a copy of the canceled check and neither has XXXX XXXX. The escrow money has not been returned to my account by Freedom Mortgage and I had to pay my homeowners insurance out of pocket or XXXX XXXX was going to cancel my policy.
Product: Debt collection

I got my cell phone connection with XXXX ( Account # XXXX ) in XX/XX/2019. As part of the deal I was supposed to get a {$150.00} gift card, which I never received. I closed the account in XX/XX/2019. I was retroactively billed for {$150.00} gift card. I reached out to XXXX, who assured that they will investigate. I explained them that if investigation concludes that I never received/used the initial {$150.00} gift card, then they can cancel off the charges. Instead I was told, if that's the case they can not cancel the charges since the rewards department and billing department are separate.Instead, I would be issued a new {$150.00} gift card by the rewards department, I can then call the billing department and use the new {$150.00} gift card to pay back the outstanding bill. They never returned back to me with the results from their investigation. Instead, they keep reaching out to different debt collectors ( 4 different debt collection agencies so far ) and continue to harass me to pay for the gift card. They have also got these charges listed on my credit report/credit history. I have tried to get this issue investigated through XXXX, XXXX and XXXX  but XXXX keeps changing debt collector agencies ( most recent one being Jefferson.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was paid in full. both the account states it was late. it was not. In addition XXXX XXXX XXXX was added to my credit report one was filled with my bankruptcy. The second one was disputed, as i did not receive any notification. Nor do i believe this debt belongs to me.
Product: Credit card or prepaid card

On today XX/XX/22 My card was charged over {$250.00} in fraudulent charges by a company called XXXX and when I contacted the card company they told me I had to wait for the charges to settle in order to investigate but that even if I dispute the charges there was no guarantee I would be credited or reimbursed The XXXX company has no contact information and is based out of XXXX I tried contacting a support email address I found via internet and got no response I would like these charges disputed and my funds returned
Product: Checking or savings account

I applied for a checking account with Chase Bank. I already have a credit card account and a self-directed brokerage account. I tried to deposit money into my self-directed brokerage account when I received a land contract payoff last year. The would not let me deposit the money directly into my account. They said I needed to meet with a service person and I need to make an appointment but due to COVID, they weren't sure when they would be able to meet with me. So I had no choice but to deposit my funds elsewhere as I wanted to reinvest the money immediately, not lose a week or weeks, etc. They would not give me an appointment at that time, they said someone would call me to set it up. So, just a few weeks ago I decided to open up a checking account, they were offering a {$200.00} rebate for opening an account on line. When I applied, they would not give the {$200.00} rebate and said I needed to add a direct deposit to the account within so many days and then I would get the rebate. Then I received an email on XX/XX/22 saying I was approved for the checking account. When I tried to sign in to access the checking account it said my account was blocked for security reasons. I called and they said they closed my account. I asked why. They said they would not disclose why. That I can't open any more accounts with Chase in the future. No reason given. I tried to call three times and was told three times that they won't open any accounts for me and won't tell me why. I have an approximate XXXX credit score, I checked my XXXX and no information on that. If they suspect fraud, I should be able to satisfy their questions, come in and prove my identity. Whatever is required. This is very stressful. I am constantly wondering why in the world I would be denied a checking account. Please help me get some answers, so at least I have peace of mind that they made a mistake and I didn't do anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion makes you jump through every hoop imaginable and when you actually finally got bits and pieces of your credit report you can't even get your score. On XXXX XXXX I can only dispute XXXX item and on their own website for TU I can only dispute XXXX thing at a time and they make the process tedious and unmanageable. I can never get my XXXX XXXX and I can never get a full copy of my credit report no matter how many times I ask and how many times I send in picture ID and other evidence of whatever they want. It's constantly a game they play.
Product: Credit card

Complaint Regarding Secured Credit Card Account and Withheld Refund of $ XXXX Regions Bank XXXX XXXXXXXX XXXX XXXXL Account Closure Request ( XX/XX/year> ) : Regions Bank XXXX XXXX XXXX XXXX I contacted the bank to request the closure of my secured credit card account, which I had maintained for nearly 5 years with timely payments and excellent credit history. 
I specifically requested the release of my {$5000.00} security deposit at the time of closure. 
I was informed that the account would be closed and that I would receive a check for the {$5000.00} within 60 days. 

Partial Refund ( XX/XX/year> ) : On XX/XX/XXXX, I received a check for {$3.00}, which was labeled as an overpayment refund. However, I did not receive the {$5000.00} deposit. 

Follow-Up Call ( XX/XX/year> ) : I called to inquire about the status of my {$5000.00} refund. 
The agent informed me that the initial account closure request from XX/XX/XXXX was denied due to an error by the previous agent, leaving the account open. 
The agent stated that a new closure request would need to be submitted and another refund check requested. 

Frustration and Lack of Resolution : After multiple communications, I remain frustrated and confused as to why the account was not closed and why my {$5000.00} has not been refunded. 
When I requested escalation, a supervisor informed me that I would need to visit a bank branch to resolve the issue. 
I have already visited a branch three times, and each time I was instructed to call the credit card customer service number, leading to a cycle of unhelpful referrals. 

Concerns : The bank is effectively withholding {$5000.00} of my money despite my repeated and clear requests for account closure and refund. 
I feel that my rights as a customer have been violated due to the lack of transparency, accountability, and resolution.
Product: Mortgage

I have been in the process of refinance with Box Home loans since XX/XX/2020. They have been non-responsive to me when trying to clarify what they needed ( no response to emails or inquiries through my account page with them ). They have asked for verification on " interest in properties '' that I have never owned and then will no clarify where their information comes from. I have responded quickly to any request for documentation. After 6 weeks, my application has not even gone through the initial review phase. We have a previous relationship as I have done one home purchase and one refinance through them. I am really frustrated about what appears to be their incompetence. 
Thank you.
Product: Debt collection

Credit Management, L.P. of XXXX, TX XXXX Is attempting to collect {$220.00} on the behalf of XXXX XXXX XXXX when I have not had a XXXX XXXX XXXX account in some 17-18yrs. I check my credit report on a yearly bases and never has such a debt shown up even once. Yet this company is threatening to throw this on my credit reports at a time when credit worthiness is so vastly important to so much we as a society do, home-ownership, purchasing a car, paying for our children 's college education ( in my case ) -even to the point of being hired. The purchasing of debt-old debt in most cases, and illegally re-aging or using as leverage to force those of us desperate to not take the hit to our credit-even temporarily ( for even a XXXXpoint hit for 2-3months-can hurt a person looking to buy a house at that time ) needs to be enforced harder, with bolder penalties. For these are very real lives these companies are toying with. And Credit Management has been caught enough times doing this that they should know better and not be allowed to hide behind the " Ooops! We made a mistake '' excuse, while throwing the affected consumer sideways.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Employers : XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Debt collection

This Portfolio Recovery Associates is not original creditor my information was sold to them and they put this derogatory mark on my credit XXXX XXXX and they keep harassing me with phone calls repeatedly.
Product: Checking or savings account

Wells Fargo charged a monthly service fee on the account even though I met the requirements of having greater than {$500.00} in direct deposits during the month. 


On the phone I was informed this is because their monthly fee period does not align to calendar months and although the direct deposits had come through on XX/XX/XXXX the " monthly fee period '' ended on XX/XX/XXXX. 

This is apparently because they determine " monthly '' fee periods by number of business days ( she said XXXX business days on the phone ) instead of the actual days in a month. 

This was never explained by the banker who opened the account or the representative I spoke to the month prior who informed me to waive the fee I just needed to have {$500.00} in direct deposits during the month. 

Ultimately, this feels like a deceptive business practice to increase fees because they still refer to everything as the " monthly fee period '' and in an instance like this if the period ends before the last day of the month you only have XXXX direct deposit for that period and thus will not meet the direct deposit requirements.