23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, 2016 I went to the Chase bank located at XXXX XXXX XXXX to make a withdrawal for {$3000.00}. While I was in line for a teller, a bank representative suggested I use one of the new ATM machines they had recently installed since they had higher withdrawal limits that the usual ATMS and it would be quicker than waiting for a teller. 

I went to the ATM and selected my withdrawal amount ( {$3000.00} ). My account was debited for {$3000.00} but the ATM only provided {$1600.00}. A banker from the branch named XXXX XXXX tried to help on the spot. While I was still at the branch he submitted an inquiry for the pending {$1400.00} and once he got off the phone, promised me that the money would be returned to my account early the next day. He suggested I make the withdrawal again since it would be replaced swiftly anyways but I did n't want to risk another {$1400.00} to the bank. 

Two weeks later on XXXX XXXX, I still had n't received the funds and my emails to XXXX were not answered. When I called the customer claims department they told me the inquiry had been closed without explanation. I opened another claim and received a letter on XXXX XXXX, 2016 saying that claim had been declined because it had been filed incorrectly. I opened another claim and received a letter on XXXX XXXX saying claim had been declined because they did n't find issues with the ATM. It has now been 2 months since J.P. Morgan 's ATM took {$1400.00} of my money and 3 different attempts at getting it resolved. 

This new branch ATM is faulty, took my money and Chase has not returned money. Chase claims department has performed a sub-standard job by making me file the same claim multiple times. Chase claims department should consider statements from their own branch banker- XXXX XXXX as evidence of what happened. I have exhausted all options to get this resolved within the bank so hope that you can help me get Chase return the {$1400.00} they have taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning this is now the third time that I have reached out to Transunion. Ive also contacted Transunion on XX/XX/2022 and still there are inquiries that were not removed. Why do I have to keep reaching out to your bureau in regards to the same thing. You have not removed the inquiries that I sent a complaint about on XX/XX/2022. For the third and final time Please remove the inquiries that I have requested to be removed on XX/XX/2022 under complaint # XXXX as well as XX/XX/2022 under complaint # XXXX. These are the following inquiries that still shows on my credit report that has not yet been removed XXXX XXXX XXXX, XXXX XXXX, XXXX  and XXXX 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 an account without my written instructions. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$4000.00} -This is not my account.
Product: Debt collection

I placed an order with XXXX also know as pacific credit group and was promised a XXXX5 day shipping. This did not happen and I called them a week after the order was placed to cancel and was told it was. They then proceeded to ship the item against my wishes and I called before the delivery to tell them to return to sender as I would not be in he state and nobody would be home. The package was delivered to the wrong address with ups has handled the claim and was to handle it directly through emporium/pacific credit group. They are calling non stop daily and at very unreasonable times some at XXXX and some at XXXX at night. I have mailed them a letter to stop this and they were to have escalated this to multiple supervisors multiple times and nothing is being done about this.
Product: Credit card

I received a credit card in the mail from Coinbase. I havent open an account with them. The name listed as the account holder on the card is XXXX XXXX XXXX, XXXX isnt my middle name. It is impossible to reach a customer service person at Coinbase, they ask for the phone number associated with the account, but I dont know it, due to it being opened fraudulently.
Product: Student loan

I found out about Covid forbearance refund in XXXX. I had reached out to XXXX ( they couldn't find any information on my acct as of XX/XX/XXXX. XXXX it was moved automatically to Aidvantage. I reached out to them on XX/XX/XXXX, XXXX this was prior to consolidating for PSLF ( this was done on XXXX XXXX, XXXX ). They said it would be processed and to reach back out in 4-6 weeks if I had not heard anything. I reached out to them again on XXXX XX/XX/XXXX and was told it didn't get processed, I explained that now the loan have been moved to XXXX XXXX the rep said it could still be processed thru Aidvantage since I started the refund request prior to applying for consolidation, I was also told to reach back out in 4-6 weeks if I had not heard anything. I reached out to Aidvantage again on XX/XX/XXXX as I had never received refund or any correspondence, I talked to a more informative rep then and was told the request was never processed, I did ask to speak to superior but she said she discussed with superior and refund would be " expedited. '' I was then told to call back on 4-6 weeks. On XX/XX/XXXX, I reached out to Aidvantage and was told they couldn't do the refund as my loans weren't with them any longer and was told to reach out to XXXX. I reached out to XXXX and was told they can not process refund as they had no history of my payments- just the new consolidated loan in from XX/XX/XXXX. I have exhausted my time attempting to get granted covid forbearance refund without any explanation. I even sent an email to XXXX on XX/XX/XXXX and uploaded my payment history during covid forbearance made to XXXX prior to moving automatically to Aidvantage in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting the method of verification for an alleged bankruptcy listed on my credit file XX/XX/XXXX via certified mail.I received a response from XXXX on XX/XX/XXXX stated they received my dispute and went over the investigation process. I received no results to this matter for over 120 days. I filed a complaint with cfpb on XX/XX/XXXX they responded with a typical message and sent another letter in mail stating the dispute process on XX/XX/XXXX. I have yet seen any results from this investigation I requested a Method of verification and have not been provided that information. My complaint was closed with the cfpb after the company responded. 

I sent a letter to XXXX certified mail on XX/XX/XXXX requesting the method of verification of an alleged bankruptcy listed on my credit file. I received a letter on XX/XX/XXXX stating the bankruptcy was certified from a third party. I requested the name of the company who certified this information I received no information. I filed a complaint with the cfpb on XX/XX/XXXX I received a letter in mail stating once again it was certified but they failed to tell me who certified this information as requested 3 times. 

I sent a letter to Equifax certified mail on XX/XX/XXXX requesting the same information as the other bureaus a method of verification of an alleged bankruptcy on my credit file I received no response from the bureau for over 120 days until I filed a complaint with the cfpb. The company did not respond after 30 days and this alleged bankruptcy by law was suppose to be removed due to the no response after 30 days. Equifax sent a letter requesting proof of identification and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has been reporting my scheduled, on time, auto payments as late to all three credit bureaus since XX/XX/XXXX thus affecting my credit score. I called customer service to inquire about the discrepancies and was transferred to theirs Collections Department. A collections representative advised there was nothing that could be done about this because of the auto payment program which I am enrolled in. Capital One is taking my on time payments and continues to report them as late, based on an auto payment plan they provided to me. My credit report reflects 150+ days late to current date, XX/XX/XXXX, because of Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank reported negative information to my credit profile under questionable circumstances. 

While I believed I had Autopay set up to cover the monthly payment, there had been some change to my account which disrupted the normal payment process. This resulted in a minimum payment of {$70.00} due XX/XX/XXXX to not satisfied until I discovered the issue and made the full balance payment on XX/XX/XXXX. Over the several months around this time frame I attempted to set up Autopay with Citibank at least 3 times, with what I understood to be confirmation each time. 

The effect on my credit record of Citibank reporting this single late payment of {$70.00} in XX/XX/XXXX results in two negative factors for recent missed payment and bad payment history. This combined negative reporting causes a substantial reduction in my FICO score, which affects my interest rates as I am attempting to obtain a home mortgage. Citibank 's response to a single {$70.00} missed payment, which I earnestly attempted to avoid, and which I rectified in full once I leaned about the problem, is costing me tens of thousands of dollars in mortgage interest costs ( a single point on my $ XXXX XXXX-year mortgage is {$80000.00} ). 

As a Citibank card member since XXXX I have had around {$30000.00} worth of purchases/balance transfers using this card. With the exception of the recent missed payment due to an account change, I have had a flawless payment history with Citibank. 

I respectfully request Citibank to update my credit profile by removing the negative reporting of my account on my credit profile.
Product: Credit reporting or other personal consumer reports

Even after submitting FTC report # XXXX, these unauthorized inquiries remain on my credit report. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of compliance, and each company received a certified letter indicating the inquiries were unauthorized, requesting their removal. I am now requesting immediate deletion of the unauthorized inquiries listed below. Enclosed is my new FTC report for reference, number XXXX. The purpose of this message is to address several unauthorized hard credit inquiries on my credit report. I am disappointed by the lack of action. When will XXXX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please stop the delay tactics and remove the following inquiries : EXPERIAN : XXXX XXXX XXXX NULL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. You have XXXX business days to remove the reporting of any items in my credit file that resulted from incorrect credit report details. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the bureaus about some items on my credit report on the 3rd week of XXXX that I don't recognize and I wanted to validate if they were mine. I haven't gotten a response from them after 30 days so I sent them more letters to give them a chance to get back to me and verify the information they put on my report or else they would have to delete it. I take my credit seriously and it has a huge impact on me and according to the FCRA their failure to respond to my disputes is a violation of my rights.
Product: Mortgage

My mortgage company was billing me close to {$50.00} a month for a Third Party Add on Product. I have an automatic draft thru them and did n't realize the increase for for several months, when I noticed it I though it was a lender placed insurance so I called them to confirm so I could send in proof of my homeowners policy. I was shocked when they told me it was an optional insurance thru one of their affiliated companies, some type of home warranty. I had never talked or corresponded with this company prior but they insisted I must have signed up for it and I would need to call that company to inquiry further. I called they number they provided me an was given the run around, they canceled the policy going forward but would not refund the money they stole from me. They advised I must have returned a mailer or given verbal consent. I denied this and they informed me they would place a request to send me proof or a refund. It has been several weeks and have yet to hear from them. I believe this is a violation of UDAAP and feel my mortgage company should be held responsible and refund the money that they took from me without my consent.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate a fraudulent account on my credit report, despite providing them with all required documentation, including an identity theft report.

I have repeatedly disputed the fraudulent XXXX XXXX account ending in XXXX, which is not mine and was opened as a result of identity theft. As required by law, I provided Experian with the following documentation : 1. identity theft affidavit documenting the fraud.

2. Other supporting evidence proving that I did not authorize or open this account.

Despite this, Experian has failed to conduct a proper investigation. Instead, they have simply stated that they verified the account wi
th XXXX XXXX and have refused to remove it. They have sent me the same generic response multiple times, without addressing the evidence I submitted.

Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to : Conduct a reasonable investigation of disputes, especially when evidence of identity theft is presented.

Remove fraudulent accounts when sufficient documentation is provided.

Experian 's actions violate these legal obligations. Their reliance on XXXX XXXX claim of accuracy without properly investigating the evidence I submitted demonstrates a lack of compliance with the FCRA.
Product: Mortgage

We bought our house in XX/XX/XXXX and had the loan with Caliber Home Loans. We made every payment and in the XXXX for XXXX it shows the mortgage insurance premiums paid. In XXXX we made ever payment with Caliber and then in XX/XX/XXXX the loan was bought by XXXX XXXX. We started making payments with them and in XXXX XXXX from both companies it shows the mortgage insurance premiums paid. 
Then in XX/XX/XXXX we received a letter from XXXX with an escrow analysis and payment update saying that our escrow account will fall below the minimum balance required between XXXX by {$1500.00}. So they were going to address this shortage by increasing each mortgage payment by {$120.00} over the next 12 months. 
This all seems wrong to us as per the payments we have made we have been paying the mortgage companies what they were charging us, which included the payments they needed to make for the PMI. So we shouldn't owe any money and our escrow account should not be having a negative balance that they are now asking us to pay double PMI per month to " try to pay back ''.
Product: Money transfer, virtual currency, or money service

Im filing a complaint again Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA )
Product: Debt collection

I received a phone call today at XXXX Tuesday XX/XX/XXXX about a debt of {$780.00} for services dated back to XX/XX/XXXX. The ladies name was XXXX and I told her the debt was not mine. XXXX said on the phone that Allied business services has called me 52 times. I would think that's harassment. This debt also does not appear on any of my 3 credit reports.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 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 accounts : XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$270.00}
Product: Mortgage

I refinanced my mortgage in XX/XX/2012, FHA loans are required to pay PMI Insurance until you meet certain requirements. Well one of the requirements is that your appraisal value has to be a certain amount and your loan has to be paid by a certain amount. I called Mr Cooper mortgage company to find out when will I be able to drop the PMI Insurance and each time I call I get a different answer from the workers. This time I spoke with XXXX XXXX and he told me that I have a {$0.00} appraisal value on my home and that I would have to keep PMI insurance for the life of the loan. When they took over the loan it wasnt a {$0.00} appraisal so how can it go from X amount of dollars to XXXX. This is unacceptable and I will not stop complaining until they fix this situation.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH capital one 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 ( MONTHS REPORTING LATE ) 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, XXXXXXXX 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 reporting or other personal consumer reports

Under 15 usc 1681i ( 7 ) EXPERIAN should have provided me with the results of their investigation. Instead they claim accounts were verified without providing me with a description of their investigation. This is a direct violation of my consumer rights.
Product: Debt collection

XXXX XXXX contacted me in regards to my outstanding account with XXXX, Account # XXXX. I agreed to settle the debt for {$1000.00} on XX/XX/XXXX. Agent advised me that I will receive an email that states that account had been settled and that they will contact XXXX XXXX, XXXX to alert them that debt had been satisfied. I received the " paid in full '' letter from XXXX as promised, but XXXX   XXXX claims that XXXX has not yet released the money I paid. I tried calling XXXX 11X and advised them that XXXX  is still waiting for them to release money I paid. XXXX continues to give me the run around. At first XXXX advised me that they will contact XXXX right away, the next time I called the agent said the end of the month and on another call the manager said on the XX/XX/XXXX they will contact XXXX and on the last call I made the manager said he can no longer assist me since account is no longer with them because debt was already settled. I don't know what else to do no one seems to have the answer to where my money went. XXXX  as of XX/XX/XXXX has not yet received my payment. 

Attached is receipt of settlement I made with XXXX to satisfies debt owe with XXXX XXXX.
Product: Credit reporting

I tried looking up my credit on creditkarma and could not get it to work until I tried using my father 's name with my social security number and it worked. I need to get my father 's name off of my credit report and social security number.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$24000.00}