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

I requested my free Annual Credit Report on XX/XX/year> and I see there is a XXXX XXXX XXXX listed under the Public Records section.

I have sent multiple letters over the course of the past 2 years to Experian asking that they verify the completeness and accuracy of this piece of information that is being furnished on my credit report AND that they share with me the steps they took to investigate the information. However, they have continuously refused to provide information on how they investigated the disputed information. It is my legal right according to consumer law 15 U.S.C. 1681i to be given such information within 15 days after requesting it. 

I informed Experian on numerous occasions that I was the victim of identity theft, and that I NEED this information to be reinvestigated and verified for maximum accuracy and completeness as required by consumer law. 

The information under this section is highly incomplete and needs to be updated with all accurate information or must be deleted immediately. 

There is no discharge date listed under this section. And there is an abbreviated and incomplete name listed for the Court. The Court Address and Phone number are not included. The incompleteness of this information on my consumer report has made it impossible for me to verify the information being furnished on my credit report. I have no way to contact the courthouse to verify that this information belongs to me or that it is presenting the maximum level of accuracy and completeness as is required by law according to 15 U.S.C. 1681k ( 2 ) maintain strict procedures designed to insure that whenever public record information which is likely to have an adverse effect on a consumers ability to obtain employment is reported it is complete and up to date. 

And I highly question Experians ability to investigate and verify such information without such pertinent information as address or phone number. How are they verifying that this adverse information does indeed belong to me and was not accidentally placed onto my consumer report?
Product: Debt collection

I was sued for a credit card debit a few months before the statue of limitations expired. I was served with papers and right before court date my husband died XXXX. I was in shock and forgot about court until morning of court. I did not attend .Midland has now garnished XXXX of my bank accounts. I have to respond to what is exempt .I am too poor to pay debt. My husband left us with {$5.00}. Im on SS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, also reporting loans as US Dept of Ed/ XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX  XXXX and USDE that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XX/XX/XXXX to XX/XX/XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XX/XX/XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX/ USDE is partaking in illegal reporting practices.
Product: Vehicle loan or lease

I have been trying to receive a gap insurance refund through axos bank and XXXX for XXXX months. Both companies keep giving me the run around and say it's the other company 's issue and that i have to talk to them. And now they won't even talk to me anymore ignoring emails and phone calls. I've wasted way to much of my personal time trying to resolve this issue to no avail. It's only a XXXX dollar check but I'm a struggling father of XXXX young kids with just XXXX Income. I'm beyond fed up and I feel like there is XXXX on my side. It's so simple just send me the money owed and done I'll be out of their hair.
Product: Debt collection

I got a letter in mail from XXXX on XX/XX/year> via XXXX stating original creditor is Prosper, and Jefferson is now the creditor ( dont know who they are never got anything from them XXXX XXXX but XXXX XXXX notice of debt via XXXX and I disputed it via email on XX/XX/year> ( copies of debt notice and email are included ) XXXX was notified via electronic dispute on or about XX/XX/year> about Jefferson adding this to my credit without me being notified, yet they resolved the issue as verified. Not sure what kind of investigation was done when nothing was requested from me, I have no clue who Jefferson Capital is and never received anything from them in regards to this debt XXXX has sent me Notice of.
Product: Checking or savings account

On XX/XX/XXXX a unauthorized transaction of XXXX was made to my account I called my bank and filed a claim and was told funds would be credited to my account in 1-3 business days its been 7 days instead of giving me credit to a 5 year customer and as they said over the phone they refuse to give me the credit until the case is closed I do not think it is fair for me to wait for a transaction I didnt authorize when I have been loyal for so long
Product: Credit card

I had applied for XXXX XXXX XXXX XXXX More Credit card from Citibank and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to refund of up to {$650.00} incurred towards purchase of new cellphone from XXXX XXXX XXXX after consumer spends {$2000.00} within 3 months. I purchased an XXXX XXXX XXXX from XXXX XXXX XXXX XXXX for {$740.00} at XXXX XXXX, Ohio on XXXX XXXX, 2015. I promptly faxed the receipt to Citibank Customer care ( Fax No XXXX ) around XXXX XXXX, 2015. The same had been acknowledged by Customer care as well as XXXX XXXX, Executive Response Unit from Citi Bank. I met the purchase target of {$2000.00} within 2 months instead of stipulated 3 months. However, I am yet to receive my refund of {$650.00} from citi bank. Every follow up is met with standard reply that it will take effect in next billing cycle. Today, I have been informed by citibank that they do not have the Fax copy of my receipt and would like me to send it back in order to avail the offer. I feel I have been cheated by the fraudulent advertisements of citibank and Citibank is intentionally misplacing documents to avoid paying the refund amount of {$650.00}. Please initiate suitable action against citi bank for fraudulent activities. Please find a similar CPFB case logged earlier for the same card ( Case # XXXX ). XXXX XXXX XXXX from CitiBank had called up and expressed false intent to resolve the issue. However, subsequent calls barring one customarily lands up on her voicemail which she never cares to return back.
Product: Credit card or prepaid card

On XX/XX/2018, XXXX XXXX Central time, I had walked into a Jared Jewelers [ XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ] to get two watch batteries replaced. During this time, a younger gentleman in his mid XXXX  was helping me with my watch battery replacement, and we were chatting about watches. I just discovered my love of watches a few years ago, so I was enjoying discussing different brands and styles. He asked me about future purchases, and I said I don't plan to purchase anything right now but maybe in the future. He then stated they have a payment plan where I could pay " around {$60.00} a month '' if I ever decided to buy anything. Knowing that I wasn't planning on buying anything that night, I said that was good information to know for the future. Upon ringing me up, he handed me an XXXX to fill out basic information such as my address, etc to " see if I qualify for the special he was talking about. '' He also lead me to believe this was necessary to fill out so he could put the two watches on file in their system so I could continue using the watch battery for life promotion they do, and the company would know which watch is which. We continued talking, and by the time I got to the last page of filling out basic information, I realized he had coerced me into signing up for an actual CREDIT CARD. No where in the conversation and interaction was the word card, or credit card ever mention. No mention of APR, no mention of what I was signing up for. It was presented to me as if these steps were necessary to complete my watch battery transaction so my information could go on record and I would be to take advantage of the watch battery for life deal they offer. I have spent YEARS trying to rebuild my credit after having my score tarnished from past student loan issues. I have worked multiple jobs, over 60 hours a week and then some, to make sure my score is being repaired. I have not had a credit card in over 7 years, and I was being very selective of which card to apply for as my first. I couldn't believe that in a blink of an eye, this young man at a jewelry store coerced me into getting " just a credit card '' as he put it. Not only will this card do a hard pull inquiry ( he didn't even know what this term meant ... ) but it seemed like this was no big deal to him. I feel absolutely violated that I let my guard down at a jewelry store. I want everyone to be aware how sneaky these people can be. In a matter of minutes, this XXXX-something individual was able to ruin over 5 years of hard credit repair work with misleading me into signing up for a credit card I absolutely did not want.
Product: Checking or savings account

Back in time more than say 16 months ago, Chase would refund every small business overdraft that was issued. Then all the sudden they forced a one year moratorium on my refunds and then once the moratorium was over they changed policy and will now only refund 3 overdrafts in a calendar year because in the chase employee 's words my account was deemed a " low value account. '' I asked what criteria was I being devalued and they never would provide an answer. 
I do not dispute that Chase has the ability to change its account procedures. I believe it should be able to. However shouldn't it have to tell me of this change BEFORE i incur several XXXX dollars in overdraft fees? This is ludicrious.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My information XXXX have been impacted by the XXXX XXXX Breach and XXXX XXXX breach XXXX have got into the hands of the wrong person XXXX XXXX Code XXXX XXXX Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The XXXX makes the XXXX findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Money transfer, virtual currency, or money service

PNC I have submitted documents from a unauthorized transaction with my account they have had the case open for 3 months and have said their decision still stand this is fraud and unauthrized transaction PNC is still declining after I have provided my documents
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Product: Credit card

My account ending in XXXX had fraud on it and I filed this complaint last time and a person from the bank names XXXX got back, but she never did anything about it and she dropped contact. I tried calling and reaching her numerous times and even sent the information to her that she requested but she just disappeared.
Product: Mortgage

My home mortgage was transferred to PHH lending after closing. Shortly after purchasing our home, we had major flooding that caused us to file insurance claims through XXXX. XXXX administered two checks that required endorsement by PHH. These checks were issued for two separate coverages. One was sent to our HVAC company and the other was written directly to XXXX  preferred general contractors. We thoroughly followed all protocols when trying to get these checks endorsed and sent directly to the companies. It is important to note that the checks were made out to the companies for the repairs but needed PHH and myself to endorse. PHH continues to hold the general contracting check refusing to release the funds. We have provided thorough documentation and estimates that they have requested showing that the work has been approved by XXXX and itemized. We have been living out of her home for two months and this is delaying the process. Whenever we contact customer service, our questions are deflected and we never find resolution. When we ask questions about the legal process and contacting the proper channels, we are placed on hold and hung up on. Ive never experienced this level of incompetency by a mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

regarding payment of XX/XX/2022 mortgage payment. XXXX XXXX is reporting it late although the payment was made my first servicing company. The mortgage was sold to another servicer. So payments were made and forwarded but they first servicer returned the mortgage payment instead of forwarding. attached is proof that payment was sent... then credited back to me... 
I need the negative late payment reported removed. 
XXXX XXXX Regarding XXXX. XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX days before the late payment error. If finance charge included, there should be no late payments pursuant XXXX XXXX XXXX ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

From XX/XX/XXXX to XX/XX/XXXX, I attempted to purchase a multicity airline ticket through the American Express portal via the XXXX XXXX XXXX available for platinum Amex card members. 

The portal kept issuing an error that I needed to enter my loyalty number. I called Amex customer service 2 times to find out what the issue was. I was told to 1 ) logout and login 2 ) clear my history on my browser 3 ) restart my browser. I completed all these steps multiple times but the issue was not resolved. 

In the meantime, the original price of my ticket increased by {$900.00} which Amex customer service agents attempted to get me to purchase. Technical support is unavailable and the reason for the error has not been made clear to me. 

I feel this is an attempt by Amex to not honor benefits theyve advertised to platinum card members.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint twice through this website and Transunion does what they always say. Theyre working on it. Thats not good enough. My credit report states that the information meets the FRCA requirements. I was not in attendance at that school when this account was opened. I will contact an ombudsman if this is not resolved. I have 100 % payment history with every other credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unknown hard inquiries on my account from the source : XXXX XXXX on the dates : XX/XX/ XX/XX/XXXX XX/XX/ XX/XX/ I called the company numerous times and they constantly told me I needed to call XXXX  and XXXX  says I need them to handle the matter. The company is giving me the run around and I no longer can deal with the stress of no one trying to solve my problem.
Product: Credit card

XXXX  decides to stop functioning when I use the " Convert Rewards '' function on my Venture X. I can use my phone number to receive codes any other way and it works flawlessly, as soon as I use it to " convert rewards '' to an airline partner it gives me various different errors depending on the troubleshooting method I used. Was on the phone for close to 2 hours to end up being told its a known bug and they are doing nothing to fix it, the technical service agent also complained that no one is doing anything to fix the known isssue.
Product: Debt collection

The original creditor and the credit agencies unknowingly and without my consent traded my information to misrepresent and hinder my credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from XXXX Toyota in XXXX. I was in an accident on Tuesday XX/XX/2019 and my car was totaled. I was 0 % at fault. Toyota was notified within a day of the accident and immediately closed my account. I personally contacted them to make them aware of the accident, too. Toyota was sure to let me know that I did not have any missed payments on the car. My insurance was handling the financial part of reimbursement to Toyota ( XXXX XXXX XXXX ). I was working with multiple people, but one woman 's name was XXXX XXXX. Her contact was XXXX. The claim was completed immediately after the accident. When I went to purchase a new vehicle, I found out that my credit score had dropped significantly. I looked and saw a delinquency charge from Toyota just 2 and a half weeks after the accident. I was never notified of this charge by Toyota, either by mail or phone. I called my bank and asked them what the charge was from, and they said that Toyota submitted a delinquency charge against me on XX/XX/XXXX, only about 3 weeks after the accident. I do know that Toyota received their check from my insurance company on XX/XX/XXXX paying entirely for the totaled lease vehicle. Toyota was no help at all in this matter - and sent me on a wild goose chase which costed me hours of my time. I now can not finance or lease a new car due to this drop in credit resulting from a wrongful delinquency charge by Toyota.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I recieved a letter from Innovis Consumer Assistance XX/XX/2022. I highlighted the statement Innovis requested from me. I have attached the documents Innovis Consumer Assistance has requested to block the fraudulent information. I also mailed Innovis Consumer Assistance, XXXX XXXX XXXX, XXXX, GA XXXX - Certified mail.
Product: Checking or savings account

On XX/XX/ I received a text from my bank asking me if I attempted a transaction of {$12.00} on my debit card and provided me a case number and telephone number in the text. I was sceptical and did not reply to the text because I did not recognize the telephone bank number. However, I check my bank account and to my surprise there were 4 debit card charges of {$12.00} each for that day. I called the number provided immediately to dispute the charges and stop further unauthorized transactions. I was surprise again that the number was not a 24 hours access number nor any of the bank 's XXXX numbers I got from XXXX or the mobile app. I was afraid that my account has been compromised and there is no way to stop it since this is happening on Saturday night to early Sunday morning and no one at the bank to talk to. I called again that XXXX  around XXXX and was able to speak to a bank personnel. I relayed my issue to him and have my debit card cancelled and a new one issued but was shocked when I was told that the bank can not do anything about the fraudulent transactions since they were " pending '', I have to wait until they " went through ''. I do not understand why the bank can not stop the payment of the fraudulent transactions but have to wait until they are paid to file a complaint. Now, my account is compromised, I can not access my funds until I receive a new debit card but someone can access it with free range and I am short of {$48.00} from my hard earn money which I left in my bank for safe keeping and they allow someone else other than me to have access to it and stole it under their very nose and to tell me there is nothing they or I can do about it. I am having a hard time to understand this. My bank is Capital One.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments you can clearly see on Equifax that there is a late payment on closed account on XXXX, XXXX and XXXX on XXXX  account number XXXXXXXX XXXX XXXX im now requesting you investigate and provide verification proof with records showing that I had late payments. if this information can not be verified I demand these late payments be updated to paid on time immediately or delete this account from Equifax immediately. thank you for your understanding and prompt action. whenever a consumer reporting agency prepares a consumer credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. under section 1681b