23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover has refused to process my fraud claim because of a previous claim that happened in XX/XX/XXXX that they did approve, that has absolutely nothing to do with my recent fraud claim. They have refused to accept everything that they requested : Police report, evidence of a newly issued drivers license, FTC report, their affidavit, and acknowledgment that my card, phone, belongings were not in my possession when the fraud occurred XX/XX/XXXX. My purse was stolen from a public place and then they used my identity to make unauthorized purchases at multiple stores and used my phone to verify the fraudulent charges in the amount of {$6200.00}. The supervisor refuses to help process and resolve my claim as fraud without substantial evidence and spoke to me in an absolute patronizing and condescending tone and language, Re-victimizing me and holding me responsible for the identity theft and fraudulent charges despite the fact that Im federally protected as a consumer and ignoring the fact that there are federal laws that are in place for my consumer protection. They are in violation of these consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to check my credit reports on XXXX and on the identity verification page, I was asked questions in which all the responses did not relate to me. For example, it asked me to verify which address I've lived in and all 4 options were not my address. I proceeded to put on " none of the above '' for all the questions and was denied my credit report access.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : DPT EDXXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX ... has violated my rights. 

15 U.S.C 1681 Section 604 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 1666B : A creditor may not treat a payment on a credit card, auto loan account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Regional Acceptance marked my last car payment as over 30 days late, when it was not only paid within 30 days, but also paid IN FULL. The payment was due on the XXXX of the month. I paid the loan in full on XX/XX/2024 at XXXX XXXX  and received the title a few weeks later. However, I just noticed they posted the payment on XX/XX/XXXX and reported it to the credit bureaus as late. I paid over the phone ( confirmation # XXXX ) through their automated system, but should probably have spoken to a person to ensure I received credit that day. 

I'm trying hard to fix my credit, but practices like this feel unethical, deceptive, and unfair. 
I am in the process of refinancing my home and this could affect my ability to close. 

I want them to fix this by reporting my loan as having been paid ON TIME for my XX/XX/2024 payment. I want this information fixed with all three major credit bureaus. I will not recommend doing business with Regional Acceptance, which recently was bought out by Truist.
Product: Mortgage

United Wholesale Mortgage paid {$3200.00} for my XXXX property tax on XX/XX/XXXX, which including {$100.00} interest and {$5.00} penalty because of late payment. I've sent a secure message to UWM to request a refund, but they just replied " According to our records, their is no refund at this time. '' I've also made a phone call and they said it the title company 's responsibility to advise them to make a payment. United Wholesale Mortgage start servicing my loan on XX/XX/XXXX and the property tax due date is XX/XX/XXXX, so they should have enough time to make the payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged XXXX times a month {$24.00} for credit monitoring and I can not get thru to the company to fix incorrect charges
Product: Money transfer, virtual currency, or money service

Ive received the following email on behalf of JPMorgan bank ( impersonation ) fraud. 
I am reporting the senders email to you to eliminate those criminals from hurting others! 

JP Morgan Chase Bank XXXX XXXX XXXX is located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, United States of America. Our website is XXXX XXXX XXXX 

Urgent Attention : Your compensation payment file worth XXXX {$20.00} XXXX United States dollars was brought to the attention of JP Morgan Chase Bank yesterday. We have contacted our corresponding bank in the USA to complete the transfer. Please contact JP Morgan Chase Bank for further details regarding this payment. 

All necessary arrangements for the transfer of your funds have been made at JP Morgan Chase Bank in the United States of America. Your funds have been prepared for transfer in our advanced macro transfer system. We now require the bank account details of your choice, where you would like us to transfer your funds. This will enable us to take immediate action to credit your funds into your account. 

Please provide the following information for the transfer : Banking Details : Bank Name : Bank Address : Account Name : Account Number : Routing Number : Swift Code : You also need to provide your personal details listed below for the documentation process between your Bank HQ and JP Morgan Chase Bank : Personal Details : Full Name : Current Address : Country : Nationality : Occupation : Direct Mobile Number : Email Address : Private Email ID : A copy of your identification : Please note that the only money you will need to pay is {$95.00} USD, which covers our official processing and paperwork fees. This fee can not be deducted from your total fund. Please do not reply if you are unable to pay the required fee. Thank you for your understanding. 

Sincerely, XXXX XXXX XXXX, Chief XXXX XXXX, JP Morgan Chase Bank, United States of America.
Product: Mortgage

The mortgage company Mr. Cooper has failed to pay my property taxes out of my escrow. The company failed to pay the taxes last year, and I literally had to argue with them to get the pay XXXX taxes paid, which didn't happen until XX/XX/XXXX. Now they've failed to pay the XXXX installment and again I am arguing with them to get taxes paid. I've had numerous phone conversations. A promise to have the delinquent taxes and late fees paid by XX/XX/XXXX was not met. I don't know where to turn to get help. Reading many comments online, it seems customers often run into this problem with Mr. Cooper.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8800.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Late/Open XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} Late/Open Inquiry in Dispute : XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/2010 with my I signed up for home security services with XXXX. We signed a contract for XXXX  months. During the contract period I divorced my ex husband and we both called in to XXXX to early terminate the contract. The debt has not been paid. I have received " Demand for payment '' from XXXX XXXX XXXX. How is it legal for them to " Demand Payment '' XXXX years since the contract expired?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX credit card accounts that are not minds and was open up in my name as fraud. I File an identity theft report and a police report. Here are the accounts : XXXX XXXX balance XXXX XXXX XXXX balance XXXX XXXX XXXX bank balance {$380.00}
Product: Credit reporting or other personal consumer reports

TransUnion, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion, date last active for XXXX is XX/XX/XXXX and date last active for XXXX is XX/XX/XXXX. 



XXXX XXXX ACCT XXXX- Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion, date last active for XXXX is XX/XX/XXXX and date last active for XXXX is XX/XX/XXXX. 



XXXXXXXX XXXX  ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is XX/XX/XXXX and date last active for XXXX XXXX XX/XX/XXXX. 



XXXX XXXX ACCT XXXX - Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is XX/XX/XXXX and date last active for XXXX XXXX XX/XX/XXXX. 



XXXX XXXX ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is not reported and date last active for XXXX XXXX not reported. 



XXXXXXXX XXXX ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is not reported and date last active for XXXX XXXX not reported. 



XXXX XXXX ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is XX/XX/XXXX and date last active for XXXX XXXX not reported.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that this account is inaccurately listed as a collection and the company has not provided a chain of title to validate. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and complete. The status of this collection account is incorrect and therefore does not comply with the FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX 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 Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : Account numbers : OPEN DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self attestation to you TransUnion Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is defaming my character, I am submitting this complaint on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax If you dont remove the illegal chapter 7 public record im Executing a lawsuit already spoke with attorney!
Product: Credit card or prepaid card

Goldman Sach 's is stating that they never received the payment on the credit card which is more than enough to pay off the balance.

I am not able to get this resolved.

I have enclosed proof of the cancelled check.

Thank You! 

XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I returned my online ordered items to Macy 's store in XXXX XXXX XXXX and was issued with a gift card in the amount of {$170.00}. and early this XXXX when I attempted to use it and found was locked by Macy then I made 5 phone calls ( 2 from home and 3 from the store ) plus 2 emails since XXXX trying to get this gift card unlock ; every time when I called, every customer service at the gift card department I spoke with, promised will get it unlocked after 7 to 10 days but it's still not being unlocking until now. 2 emails sent to their gift card department XXXX also never get a single response. when I attempt to resolve this issue with Macy they gave me a case number which is XXXX.
Product: Credit reporting

In XX/XX/XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX
Product: Debt collection

This company has repeatedly called me and spoofed their phone number they call every day and multiple times a day.
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX regarding incorrect information on my credit report. I listed the accounts and pointed out the violations in my consumer report. It's been over 30 days, and I haven't received a response. Attached are copies of all the letters I sent. 

This company has violated FCRA Section 623 ( a ) ( b ) by not marking the disputed account as disputed. Additionally, Section 605 ( c ) has been violated due to incorrect reporting of the last activity date, which should reflect the last payment made.

The company has also failed to validate the collection account, violating FDCPA Section 809 ( b ), according to the FTC 's opinion.
Product: Mortgage

Our loan was switch from XXXX XXXX to Pennymac in sometime in XXXX. In XXXX Of XXXX, my XXXX XXXX  baby got XXXX XXXX XXXX  at the same time. Then XXXX went through our home. Being the sole provider, I was out of work for an entire month trying to heal from the effects. I called pennymac to try and get some help in XXXX and they rolled my XXXX payment into XXXX XXXX XXXX. They made me believe this was my only option but it still wasnt plausible for my family. I got online in XXXX to see if I could get some assistance with mortgage. I got a call from XXXX XXXX in regards to this inquiry. XXXX stated to me that " Pennymac '' was doing some illegal things and even used words like fraud and gave me the choice to hire them. They said that pennymac was given XXXX XXXX dollars for loan forgiveness. Told me I could do all the things they were doing by myself but made it seam impossible. Through the XXXX  month process that XXXX took me through, they told me not to worry and that they were trying to get my debt forgiven and get my payments lower. They told me this through the whole process so naturally I thought the XXXX month debt would be forgiven. After the process, pennymac comes with this deal saying they will put all the payments that I didn't pay on the back of my loan. XXXX told me this was my only option. So by XXXX of XXXX I was back to paying full mortgage. Having paid XXXX {$5000.00} TO tell me that I'm in the same boat. Now that we are in XXXX, pennymac has now raised my mortgage {$400.00} a month and when I called, they could not tell me why. They tried to tell me my taxes did it but my taxes did not change. I'm afraid I'm going to lose my home because there isn't any way that I can sustain payments this large.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up on any response from Transunion after days of investigation. As I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Transunion has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation of the following accounts : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXX BANK XXXX
Product: Prepaid card

Hello to whom this may concern, My name is XXXX XXXX. Around the Last week of XXXX, XX/XX/2024 I believe, I contacted XXXX my sponsor regarding my funds and card. They informed that my card was shipped out, but I never received it. Further more they told me to contact Money Network to follow up. When calling I was informed that my money had been spent and withdrawled in XXXX XXXX California.Transactions were made in the amount of {$14000.00} dollars stolen off my card. I made a dispute, they informed me that they are denying my claim.I live in XXXX XXXX which is a hour away, I never go to XXXX XXXX. Someone stole my card now im suffering.Please help me get my money back I have also made a police report on the situation as well.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

. I have been in disputes with XXXX and Experian Credit Bureau since XX/XX/2023. XXXX is still reporting that I owe them for XXXX loans when in fact my accounts were transferred to XXXX. Experian has disregarded my request to investigate this issue. My credit report is currently stating I owe the exact amounts to both, XXXX XXXX XXXX, for XXXX loans. Ive contacted XXXX numerous times and they claim they would update the information. XXXX has acknowledged that I do not owe them any funds as my accounts was transferred to XXXX. My credit has been drastically affected from this process.
Product: Checking or savings account

REGIONS MANAGEMENT FABRICATED REASON FOR ILLEGAL ACCOUNT FREEZE. In XX/XX/XXXX, I updated my mailing address on the Regions website. Shortly thereafter, XXXX. XXXX emailed me claiming that they need my physical address ( even though they already had it on file ). I replied to her w/the requested information. Two days later, she replied that since my DL on file has expired, she needs my updated DL too. [ Note : This policy/rule does NOT exist anywhere in Regions literature ]. I then received a letter dated XX/XX/XXXX ( attached ) stating that 60 days from the date of the letter, my account would be closed if this isnt resolved. Unhappy with Regions handling of this, I proceed to make arrangements to open a new bank account elsewhere. Two days after I transfer some money from my Regions account to my new bank account, Regions froze my account due to fraudulent check writing!!!! XXXX XXXX and XXXX fabricated this reason in order to lock me out of my account ; this was retaliation for choosing to switch banks instead of complying with their made-up rules. I visited a Regions branch on XX/XX/XXXX and spoke with the manager, XXXX XXXX, to resolve this. She said only the back office can unlock the account and theres nothing she can do. However, the XXXX rep I spoke with said ANY branch manager can remove the freeze. I am being given the run-around. There was NO suspicious activity on the account and therefore, should've NEVER been locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted a letter to XXXX on XX/XX/2018 regarding the negative items on my credit report and ask them to verify them bearing my signature within the 30 days allowed by law.i haven't received any information concerning this as of XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Debt collection

The account manager repeatedly called my number several times everyday. The account manager also left messages regarding my debt over a voicemail violating my privacy. I will attach a sample of a voice mail.