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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) 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 a my file at Bureau 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 item 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. 
XXXX XXXX  XXXX Date opened XX/XX/2020 Balance : {$5200.00}
Product: Checking or savings account

Hi, In early XX/XX/2018, I opened Citi checking and savings accounts in response to a promotion they were running. The promotion offered a {$400.00} bonus after you deposit {$15000.00} into combined savings and checking accounts. I never would have opened these accounts had they not offered this bonus. I opened the accounts at XXXX XXXX XXXX XXXX XXXX CA XXXX. The banker who opened the accounts for me, XXXX XXXX, assured me that the offer was attached to my account. 

The terms said you qualify for the bonus after 60 days and it will be awarded within 90 days after that. I had {$15000.00} in on XX/XX/2018, 60 days later was XX/XX/2018, and 90 days later was XX/XX/2018. I have called Citi and used their online chat numerous times to ask what the reason for the delay is, and am always told that everything looks fine and they will " research '' the issue. 

The bottom line is that Citi has not honored the terms of its offer, and I feel like the bank is using deceptive advertising to rip me off. If I did not fulfill my obligation on time to Citi, it would charge me an expensive fee for paying late or overdrawing my account. Shouldn't this bank face a penalty for not honoring its obligation to me as well? 

XXXX XXXX checking account ... XXXX savings ... XXXX
Product: Credit card or prepaid card

I have received several phone calls made to my work phone, as well as my cell phone, and my husband has also been harassed via his cell phone, mailed correspondence. This debt was a credit card, original debtor XXXX XXXX XXXX, which is now being handled by XXXX XXXX XXXX or MCM. This debt was paid for an agreed amount of XXXX. XXXX ( settlement ). A check was issued in the amount of XXXX. This check shows as being endorsed by MCM on XX/XX/XXXX. The check was made out to XXXX XXXX XXXX  with myself an my husband 's name listed as in reference to. I spoke with a representative from MCM and was informed that an e-mail was generated to XXXX XXXX trying to locate how the check was credited or if it even was. They also stated that because both of our names was on the check, when the account was in my name, that they didn't know where or how to credit my account. This last contact is the first time someone had explained that much to me. This has been going on since XX/XX/XXXX. They simply keep saying I owe this debt even though no one can explain where the cashed check went to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXXDEPT OF ED XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

still showing an account that should have been deleted, its been deleted off of the other two credit bureaus but Experian reuses to take it off. The debt has been paid and not suppose to be in my credit report. XXXX XXXX XXXX XXXX  for this company and they corrected the information with the 3 rd party collection agency and with the credit bureaus. ( XXXX XXXX XXXX XXXX XXXX XXXX original creditor ) ) should not be on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I signed with debthelpers in XXXX at which time XXXX XXXX   agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. XXXX proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with debthelpers all my payments had been on time and paid in full now my credit is showing a derogatory credit history for XXXX. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to XXXX and ask them to adjust the contract ( already agreed by Citi ) and there are approximately eight credit accounts on the same contract with XXXX, no other creditor has an issue. I have spoke with XXXX XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX XXXX {$3600.00}.
Product: Checking or savings account

On XX/XX/year> my debit card was stolen and used at a local grocery store in the amount of {$2000.00}. I contacted chime as soon as I realized the funds were being taken out of my account. They closed that card and reissued me a new one. I was traveling to California when this was happening. I wasnt even in the state of Arizona when the charges were made. I have provided Chime with the police report, as well as my XXXX location showing that I was in XXXX CA. They have denied this claim five times. Now when I try to call them I cant even get a call back. How they work is you call XXXX and a tele prompt comes on and verifies its your number. Then says it will call you back. It doesnt call me back after it verifies its me. I have dealt with their dispute department for the last 8 weeks and nothing is being resolved. Ive been hung up on, lied to saying the funds were being put back, just to find out that they denied the claim again. Please help me get my money back. They wont provide me a number to speak with whoever does the investigating, or who their governing bank is that backs them. The last rep I spoke to said that its visa. And I informed her about visas 100 % guarantee against fraudulent charges. And she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} 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: Debt or credit management

I used Lexington Law to fix my credit and did not do what was they was suppose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Miscellaneous XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment Travel/Entertainment XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Mortgage

BANK OF WELLSFARGO HAS REOPENED MORGAGE LOANS AND EQUITY OF FORCLOSED OR FAKE FORCLOSURE OF PROPERTY AND MORGAGES LOANS THAT WERE DISCHARGED FORM XXXX. THEY HAVE SEPERATED MY MARITAL RIGHTS AND MY HUSBANDS RIGHTS AND ACTED AS THE CO BORROWER FOR THESE LOANS. THEY HAVE USED MY NAME XXXX MY HUSBAND IN SINGULAR FORM. THESE ARE WHAT IT APPEARS TO BE NOTES MATURING. I AQUIRED THIS FROM THE XXXX BRANCH IN XXXX FROM THEM ON XXXX/XXXX/2015 AND THESE ARE ALL SHOWING ACTIVE AND OPEN. WELLSFARGO HAS NO RIGHT TO MY NAME TO OPEN ANY LOANS, EQUITY ECT. NOR I HAVE RIGHTS OF POWER OF ATTORNEY TO DO SO. WELLSFARGO TRIED TO CHARGE ME WITH TRESSPASSING AND MY HUSBAND XXXX DAYS AGO BUT BECAUSE OUR COUNTY SEEMS TO BE IN QUESTIO OF WHO OWNS MY HOME WE WERE TOLD WE ARE WAITING ON XXXX DISTRICT AQTTORNEY TO LOOK AT ALL THIS. ALL OF OUR BELONGINGS ARE IN OUR HOME AND WE HAVE NOTHING BUT THE AIRMATRESS IN MY PARENTS HOME. VIOLATION CONSUMER FINANCE PROTECTION ACT MEETS THE GUIDLINES HERE. AS PER THE NUMEREOUS LIES IN WRITING TO ME AND CONSUMER PROTECT THIS PROVES THE OBVIOUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting my credit history to all 3 credit bureaus and that information is incorrect. To start they are stating they had my mortgage since XX/XX/XXXX and they were not even established as XXXX XXXX until XX/XX/XXXX. Furthermore HFC held my mortgage inXX/XX/XXXX to XX/XX/XXXX when it was sold to XXXX. Please see attached cover letter to explain more in detail with other docs involved to dispute this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these inquiries must be verified ( A ). I will bring legal action against you if you do not verify these inquiries. To help this situation be settled as quickly as possible, kindly uphold the law. 
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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the 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 items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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: Credit card

Someone fraudulently used my card Tried to dispute charges but Wells Fargo won't resolve promblem
Product: Money transfer, virtual currency, or money service

I received my tax return of {$4000.00} on a Venmo prepaid card. I went to the bank and took out {$1000.00} cash from the account then attempted to use the card at an ATM. It did not work so I went to a different gas station and again attempted to use it that time it did work and I was able to get {$20.00} worth of gas shortly there after I noticed an authorized transactions on the card. It was being drained very quickly and money transfer were being made to people who I had no idea who they were. In addition I was told by the customer service at Venmo that the email and phone number had both been changed on my account I said thats impossible because Im the only one thats had my card in my phone the whole time then I started remembering about skimmers that have been a big problem everywhere I assume but this was all done in XXXX, Washington Went on the chat option on the website and asked immediately that the card be canceled because I was getting an authorized people using it, and the money was going down. They said that they would take care of it and I said as I was a flight attendant and getting ready to take off, I would have to sign off then the next day I checked the account on my phone, and it was being drained more and more and more and I had not used it at all. Not one bit I again Contacted them via the chat option on the website. Explain the situation from before and ask them to cancel the card immediately the woman on the other, and clearly did not understand what I was asking for even though I asked over and over and have the screenshots of these chats to prove so she promised me it would be done and again I took off when I landed. I immediately checked my card and it had been drained all the way down to zero I immediately called Venmo and luckily it was able to get through to somebody who understood my needs, and she went through and disputed every charge as they were all fraudulent 100 % fraud fraud fraud fraud fraud. I told her the only time I used it was the XXXX dollar cash withdrawal that I took and in the small print of the customer service agreement I noticed that they said that they would replace my funds if I had an authorized usage that would take 10 business days then while they did their investigation, so I was in the assumption that this would be done the next day I got an email saying that my account had been closed and that was that and the decision would not be reconsidered I emailed back and said I understand this. What about my money am I gon na get my money back? You said the customer service agreement that you give the money back and they said nope the account been closed and your just out of luck I said well I can prove that I asked two times to Cancel the card and it had never been done and I have a screenshots to prove it. They have not responded to that request and just told me that that that decision to close my account will not be reconsidered now I dont know whats gon na happen to my state refund I dont know where thats gon na go. I cant get a hold of anybody there. I find it very very, very poor business sense and its a fraud.
Product: Mortgage

XXXX XXXX did not record a Accommodation Recording Deed. The XXXX XXXX XXXX Recorders Office informed me that my property was purchased by my partner and and the Accommodation Recording never happened. In fact the Recorders Office claim that when I added my partner as a Joint Tenant several weeks before I removed my name from the Deed that I was paid {$75000.00} and when I removed my name from the Deed at the request of the mortgage company we used to refinance my property in order to purchase a second property the Recorders Clerk explained that I was paid {$170000.00}. I explained to the clerk that the {$170000.00} was the amount we borrowed on my property. The Title Company who did the escrow for the property we bought reviewed the Deed and assured me it was a refinance not a purchase price. My partner passed away without a will and borrowed {$95000.00} on my original home so we could purchase a third property. I never received any money for my property or sold my property to my partner. We had an agreement that he would remove his name as Joint Tenant on a fourth property, which is my primary residence and I would release ownership to the first property I owned solely ( the one we refinanced several times to purchase other homes ) My partner choose not to remove his name as Joint Tenant. The Recorders Office is making a claim that is not true. XXXX XXXX was purchased by Fidelity Title and claim they have no records for XXXX XXXX. Other XXXX XXXX Offices claim they can not help me. The fact that the Recorders Office claims my property was sold, than fraud was committed against my ownership. I understand that Deed Fraud is not rare and home owners do not become aware until they plan to sell or make a change to their Deed. I am claiming ownership to these properties, but fear I may lose my ownership rights. Who do I contact for help. Who investigates fraud claims.
Product: Consumer Loan

I paid my car loan off with SunTrust bank in XXXX 2014. To date they report to XXXX that I owe them & XXXX. They mailed me a lien release letter & I have title to the car! They insist their records are accurate. I 've been fighting with them since XXXX, personal visit to bank, phone cal mail & fax letters! I just received a letter today stating my account is being reported accurately. Help, this is lowering my credit score! I'am at my wits end. XXXX removed this from my file, XXXX is still showing {$11000.00}! Help please, I 've paid dearly due to the real estae crash & I want this cleared up. Thank you.
Product: Credit reporting or other personal consumer reports

I DID AUTHORIZE THESE INQUIRES 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

the same woman repeatedly calls about 3-4 times each week. she also calls my mother the same amount of times. she over talks me. she is very rude and threatening she works for a company called XXXX XXXX
Product: Other financial service

Received an e-mail from INGO.com online check cashing asking me to verify that I signed up for their service, which I did not do. When you call the phone number it asks you to input your social security number. Of course I would n't do that. When you finally get to a representative, they are hostile and try to get you to give them your SSN. These people need to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have applied for a Reverse mortgage on our home. One of the conditions of the lender ( HUD and FHA ) is that one must open all accounts if they are frozen. This is required for a loan. We have tried for three days ( XX/XX/XXXX-XX/XX/XXXX ) to have my wife 's credit file open with Equifax. There was no problem with the other agencies. It is impossible to get a human to talk with. You go through 10 minutes of prompts, answering questions, and the response is that an agent is unable to assist you at this time. I understand that due to this covid virus, they may be short of help. I contacted Representative XXXX XXXX office and asked for their help. They could not get a human to talk with. Many people, like us are looking for assistance, having to live on Social Security and a small pension. All we ask is for someone that is supposed to help us, do so.
Product: Credit card

Good afternoon, I'm submitting this complaint againstmatch.com for the unauthorized charge to my credit card ending in XXXX. I ended my monthly subscription with XXXX on Friday XX/XX/XXXX and I've received notification that a NEW monthly charge of {$52.00} was just processed WITHOUT MY CONSENT Again, my subscription was cancelled on XX/XX/XXXX The last day of my subscription was XX/XX/XXXX My subscription cancellation confirmation number is - XXXX There are screenshots attached to this complaint My credit card company ( Fortiva ) has informed me that it would be a 90 day resolution process and I have been unable to get anyone on the phone or in an e-mail conversation at XXXX. Your assistance with this is most appreciated! 

I'm available to discuss anytime - XXXX. XXXX. XXXX THANK you! 

XXXX XXXX
Product: Mortgage

LoanCare LLC has been my mortgage servicer for the last several years, through my loan being sold. When we were looking to refinance our home mortgage, we knew we didn't want to consider LoanCare due to several issues that have occurred while they've been the servicer. 

We refinanced with another company, and our loan was paid off XX/XX/XXXX. I've been trying to contact LoanCare LLC re : the return of my {$5400.00} escrow account that they still have. I sent several emails through their " Send Us A Message '' link on their website, but haven't received a response. I have tried calling several customer service numbers, and once I enter my { now paid off } loan number, I get a recording re : XXXX XXXX information with no options. I can't speak to a person or go anywhere else in their voice mail system. Finally, some how, I pressed enough random buttons that I got to a person. I asked her about my escrow balance, and she told me that they hold it for at least 20 days. I asked her why, and she said, " that's the process '' then HUNG UP ON ME. 

What I want : the ability to get some sort of response notifying me of the status and reconciliation of my escrow balance and my loan balance. It is RIDICULOUS that this company will not respond to emails and won't give me access to a customer service rep through their normal voicemail options by phone. While my loan is paid off ( thank goodness ), they still have my money and I'm still a customer.