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

There is more than one issue : For over 2 years Ive been contacting Experian about a computer glich in their Experian Boost system that is through XXXX. Im not sure how it works but EVERY SINGLE DAY, at LEAST once a day, my bill-paying bank account from XXXX XXXX XXXXXXXX gets disconnected from the XXXX XXXX system so it doesnt see all the bills I pay on time every month. XXXX  has already removed my utility bill, my cell phone bill and my XXXX bill. This issue is frustrating. 
Also, my credit score just dropped XXXX points because, according to XXXX, all my credit card companies are not reporting my credit utilization. Only a few. Ive worked on my credit score for 7 years now. I understand how credit works better now but the XXXX point decrease seems highly unfair given I just graduated from Freedom Debt Relief with zero debt. Once you guys fixed the XXXX error, my score dropped by XXXX points. Why is this happening? 
And Why isnt anyone at XXXX fixing the computer glich that keeps disconnecting my only bill paying account? 
And, Why arent the credit card companies reporting my current credit utilization?!!!!! 
I have no debt, I pay my bills every month on time yet my score went down by XXXX. Please fix what you can. This is so unfair. Ive been crying all day. What a waste paying back all these corporations and not saving for myself. Shame on me for trying to be a responsible citizen. XXXX POINTS!!!!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$6500.00}XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$6400.00}, XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXXXX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXXXXXX  bal. {$0.00}, XXXXXXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, in fact did not consent to, authorize nor benefit from any of the following accounts attached in FTC report. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft. It has been past 4 days since Equifax has received my correspondence and has not deleted the accounts that were identified as identity theft by the consumer. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Product: Checking or savings account

My name is XXXX XXXX. My checking & savings account with chime was closed out of the blue with no warning & ask me for documents which I provided & then said I wasnt able for refund for my remaining balance in accounts.
Product: Mortgage

XX/XX/2017 XXXX XXXX points purchased XXXX XXXX XXXX XXXX XX/XX/2017 Purchase price {$4000.00} We were told the XXXX Sampler points would be applied to any new purchase because it is an investment and would be considered equity that would be credited toward the purchase of annual points. However, when we did purchase XXXX points, only XXXX of the XXXX were transferred over. We had not used any of those points we had paid for. 

The {$4000.00} we paid for the XXXX was not credited toward the purchase of XXXX points. The XXXX XXXX presentation lasted from XXXX XXXX till XXXX XXXX. We did not sign the contract until XXXX XXXX at night. We were rushed through the paperwork They would not give us our license back when we left for lunch. Even the manager would not give us back our license. My wife felt like she was going to pass out because she was XXXX, but they would not let us leave. Her XXXX XXXX was down. 

We purchased XXXX annual points at XXXX XXXX, XXXX XX/XX/2017 Purchase price {$15000.00} Amount financed {$12000.00} Sales agent XXXX XXXX XXXX, Director of Sales XXXX XXXX was the highest person there XXXX was QA They ran two Barclay cards for two joint applications. We only wanted one Barclaycard. We were told if we opened a Barclaycard we would never have to pay maintenance fees. We were also told points can be converted to dollars to pay maintenance fees because fees will go up 10 % every year and the inflation on the fees wont match our fixed income. We have learned you would have to charge {$100000.00} in a year to pay a {$1000.00} maintenance fee. 

We told them we dont have the money. They said if you cant pay this we will put it on a Barclaycard. Your points are now equal to a dollar value. We were told the new thing is that all your points are worth money so it doesnt matter if you cant afford it. The points will go up in value. 

We could not use our next stay at XXXX XXXX XXXX booked. We had to check out early. We were told once we were an owner, our room would be automatically upgraded, but the room was too small and was not upgraded. 

When we looked into selling points we learned there is no value. 

I am on XXXX, medically XXXX VA XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX  On food stamps
Product: Mortgage

I contacted my mortgage company Bank of America and requested assistance though a home loan modification in XXXX. I was told by my customer relationship manager that I was eligible for a home loan modification based on information submitted. I sent out the required documentation once I received the packet. I called him and advised that it was taking a long time to receive the information. He told me that the info should have been sent out overnight via XXXX. He stated that he would notify management of the delay. The information instead was mailed out weeks later. This was in the month of XXXX. In XXXX 2016 I received a letter acknowledging receipt of my info. The letter also advised that if any or documentation was required, I would receive a letter spelling out requirements. I was never provided as response as to why I was not receiving correspondences as the letter stated that I would. I never received anything else from the bank. I spoke to my Customer relationship manager several times and he would advise of what the underwriter was asking for. They asked for the same info for XXXX4 weeks in a row. The separation agreement between myself and the borrower, an explanation of XXXX of the child support orders, and a few explanations of deposits/withdrawals on bank statements. I repeatedly sent over the same documentation and they continued to acknowledge that they had it yet continued to ask for it. 2 business days before the sale date they requested the other borrowers information, as in check stubs, bank statements, tax returns. Initially they told me that I did not have to submit that information and could apply on my on. A Quit Claim deed was submitted as well. I submitted the other borrowers information on XXXX and they received. I was told on XXXX/XXXX/16 that the foreclosure would be submitted for postponement due to all docs on file. The sale was never stopped. In fact on the day of the sale I was still being asked for documents. I know that Bank Of America deliberately ran the clock out on me, never providing any alternatives to the modification, nor giving me the opportunity to request any other avenue of assistance, when they had all the required info to make the determination or a decision. They dual tracked my account with the intentions of stealing my home.
Product: Checking or savings account

On XX/XX/XXXX I noticed my account was locked at XXXX. The bank ( Truist ) closes at XXXX so I called on XX/XX/XXXX, they told me there was no reason to closed the account, no notes about it, anything. And my funds will be sending to my mailbox on XX/XX/XXXX, for the amount of XXXX XXXX that I had to wait XXXX business days ( XX/XX/XXXX ). I didnt receive the check, called again and they told me I could go to the branch and they would give me a check, I went yesterday XX/XX/XXXX. They didnt received an approval to give me the check. I told them I needed that money for today, XX/XX/XXXX because that was my rent money which was return to my card before closing, and now I have problems with my complex, they think Im just being irresponsible, I dont have the money to pay that now and being charged for late payment, I think its unfair because they told me I would receive my check on Friday, XX/XX/XXXX and didnt receive it. I really need help with this situation, please.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practice which violates the customers consumer financial protection act ( CFPA ). Pacifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected
Product: Student loan

Originally I attended the XXXX  XXXX XXXX in XXXX and XXXX in XXXX. When I XXXX my loans were eventually transferred to Navient. Navient has taken over my loans and throughout the years they were continuously placed in forebarance due to hardship Recently I found out through social media that the XXXX XXXXXXXX XXXX and Also Navient where my loans are currently with are both being sued for misleading students throughout the years and fraud activity and so on. 

My question to Navient which is where my loans are with is why hasnt the XXXX  XXXX XXXX and Navient notified me on the lawsuits and why are they threatening my constantly for years about making payments when they know they are under a lawsuit which they did not inform me of. Also, this has caused me great XXXX and stress throughout the many years because economically I can not afford to make these payments and both the XXXX  XXXX XXXX and Navient both knew they were misleading the students and knew we would never ever be able to fully repay these loans due to their misleading and scheming throughout the years. This is wrong and something needs to be done here because its affecting my credit. And they have refused to remove it from my credit.
Product: Checking or savings account

I am disputing 4 different charges of $ XXXX/each ( {$2000.00} total ) using XXXX XXXX made on XX/XX/2019.  Never received merchandise. Seller is not responding to any forms of contact to return payment or send merchandise. I contacted the bank ( XXXX XXXX XXXX XXXX ) as soon as this happened and theyve stated theyre unstable to dispute the charges as of XX/XX/19. I have filed a police report with the local police on XX/XX/19, as well.
Product: Checking or savings account

I am writing my complaint for Navy Federal Credit Union regarding multiple overdrafts fees. Despite havening sufficient funds when the transaction was authorized, I was charged fees due to NFCU lagging posing of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices, where transactions settled with insufficient balances despite initially available of funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Mortgage

I have a mortgage with Caliber Home Loans, and am working to refinance the loan. Early in the process we agreed to terms, and they requested we lock in the rate. So we did. However, they only locked in the interest rate. They changed the points amount throughout the process. We noticed early on that the points were increasing to get the previously agreed upon interest rate and amount related was increasing over time. 

Because we noticed this and brought it up a number of times, they gave us a lenders credit to offset the difference. Therefore, we don't personally have any damages ; however, this is an extremely sneaky practice by Caliber to increase the amount they charge people for mortgages. I am sure there are a significant number of people that they have done this to that have not identified the changes.
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 XXXX XXXX XXXX. 

Account : XXXX XXXX  XXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX # XXXX, Account : XXXX XXXX # XXXX XXXX DeptedXXXX : # XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 with antedates the report by more than seven years.

15 USC 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: Debt collection

You sent old looking random statements as proof this is my debt countless times owed to Portfolio Recovery LLC. I NEVER EVER paid anything to your company EVER and this is a COLLECTION and NEVER signed a direct contract with Portfolio Recovery. This should NOT be flagged. This is all FALSE and NO PROOF this is my debt STILL. 

Regarding {$650.00}, {$430.00} and {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting late payments during covid and while on deferment these are FCRA violations. Remove this late payment reporting in XX/XX/2020 on account XXXX XXXX XXXX XXXX.
Product: Mortgage

My mortgage company sold my mortgage, changed my account number, lost my payment, did not give notice of a late pay and reported me to the credit bureau as 30 days past due. 
I have paid my mortgage on time every month for over 25 years. My mortgage payment was due on XX/XX/23 and I sent payment on XX/XX/23 from my bank and this was verified. The mortgage company sold my mortgage and changed my account number several months before. They sent me notice of the account number change later in XXXX. At that time, I made changes to my payment for XXXX. That was due on XX/XX/23 and I sent payment on XX/XX/23. That payment was received by my mortgage company and applied to my XXXX payment. I was also reported as 30 days past due. After multiple hours and multiple calls of trying to contact them, they constantly stonewalled me. They said research was the department that could make a determination and they cant talk on the phone. Therefore, I was not able to resolve the issue. I have proof that my payment was sent out and there was no contact by the mortgage company that payment was late or going to be late. In fact, all mail correspondence with this company has taken several weeks to reach me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, In XXXX through XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) approved me for COVID-19 Forbearance Plans ( *with no impact and no negative credit reporting to my credit file ) of which I rmade all of the payments. 

XXXX then approved me for a COVID-19 Permanent Modification ( {$1500.00} per month ) in XX/XX/XXXX, which was also under conditions that the COVID-19 Permanent Modification would not negatively impact my credit. 
XXXX Representatives informed me on their website, by telephone and written correspondence that my account would be reported as current and there would not be any negative impact to my Credit File/Credit Score for being approved for XXXX  's COVID-19 Forbearance and Loan Modification Plans. 

As of today, XX/XX/XXXX, I have remained current and have never been late on any of my mortgage payments On XX/XX/XXXX, I received a Credit Alert from Experian that indicated XXXX Flagged my Credit File as a Loan Modification. By " Flagging '' my mortgage as a Loan Modification, XXXX has caused negative impact and negative credit reporting to be placed in my Credit File. 

As a result, XXXX has not honored their stated/agreed upon conditions that the COVID-19 Forbearance Plans and COVID-19 Loan Modification would not have any impact to and would not negatively impact my Credit File/Score. 

As of XX/XX/XXXX, my Experian Dispute Results on my Credit File reflect XXXX  listing my Principle Balance as {$190000.00}. This is incorrect as my Outstanding Principle Balance on my XXXX Statement reflects the correct balance as {$190000.00} ( see uploaded attachment ). 

Please note that I DO NOT have XXXX  and my mortgage payment of {$1500.00} includes property taxes, escrow and Home Owner 's Insurance. It may be possible that XXXX is not properly and/or inaccurately distributing and not taking into account my mortgage payments since Late XXXX through XXXX of XXXX to include property Taxes, Escrow, and Home Owner 's These are XXXX XXXX  error to correct and not mine. My Credit File/Credit Report should not be negatively impacted because of XXXX not keeping their conditions by placing negative information on my Credit File/Credit Report, along with errors, inaccuracies, and incorrect information reported by XXXX. 

Additionally, I have made several complaints with the CFPB against XXXX in the recent past of XXXX and in XXXX for inaccurate credit reporting ( inaccurate balances ) and related issues that have negatively impacted my Credit File/Credit Report, but were subsequently corrected by XXXX. 

Thank you for your help. 


Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

" JP Morgan has signed a five-year deal with the US Treasury Department to provide account validation services for federal government agencies. As part of the agreement, JP Morgan 's corporate and investment bank will corroborate payment information for the department 's fiscal service prior to its payments being issued. JP Morgan verifies payment information by using its secure customer information network, industry data, and payment processing data. '' JP Morgan is directly involved in issuing income tax refunds. 

Question 1 : Please verify this deposit. Did JP Morgan authorize this deposit on behalf of the US Treasury? 
My husband and I received a deposit into our joint savings account on XX/XX/XXXX. Please verify this deposit was made by your bank on behalf of the US Treasury? Date : XX/XX/XXXX Amount : {$4500.00} Company Name : IRS TREAS XXXX Company ID : XXXX Customer Name : XXXX, XXXX XXXX XXXX  Customer ID : XXXX Trace : XXXX Bank of Origination Name : XXXX XXXX XXXX  of Origination Phone Number : XXXX
Product: Checking or savings account

On XX/XX/XXXX, I attempted to purchase 2 money orders, one for {$1000.00} and another for {$100.00} at a United States Post Office at XXXX XXXX XXXX, XXXX, NY. There was a fee of {$5.00} for money orders for a total of {$1100.00}. The total amount was put in for payment by the clerk for both money orders and the fees. I put in my Chase debit card and added my pin. An " Exceed Limit '' error occurred and No money orders were given. I contacted Chase customer service to investigate source of error being there were sufficient funds in my account. I was informed that the charge of {$1100.00} had been charged and was pending. I informed her at that time that no money order was given. She indicated, if nothing was given, it will not go through. After a couple days, the {$1100.00} was indicated as paid to the Post Office on my bank statement. Called Chase again, spoke to Claims department, they indicated, it was paid and I had to go back to Post Office to get money order ( Chase closed complaint ). At Post Office, I spoke with XXXX XXXX at XXXX, she checked the transactions for ( XXXX, the clerk ), XX/XX/XXXX for the clerk I went to. She indicated there were no transactions for that amount on their system for that day. I again, notified Chase, they indicated the money was paid and to go back to the Post Office to reconcile ( yet another compliant was closed at Chase, yet again ). The Post Office escalated my complaint to the USPS Consumer and Industry Contact Office, Bhanu Chemmangaattuma ( XXXX ) confirmed an error prevented money orders from being dispensed andthat no transaction in the amount of {$1100.00} was received by the post office. I contacted the Corporate office of Chase and provided proof from Post Office no money order was disbursed and no money was received. They indicated they would investigate and get back to me ( Chase gave another complaint number ). When they failed to get back to me, I contacted them. Chase Corporate indicated that their records reflect the payment was made on XX/XX/XXXX, which is shown on my banking statement. At that time, they indicated, I would have to address my concerns with the Post Office ( Again complaint was closed by Chase ). On Sunday, XX/XX/XXXX, we went to the city of XXXX police department and made a complaint with XXXX XXXX, XXXXe # XXXX. A report was made ( 24-7239 ) where they indicated, it appeared the problem was within Chase and a possible glitch in the system. I attempted to contact Chase again, they would not help me. I tried to get legal services to assist, but they were several XXXX dollars. As it stands now, after 3 complaints with Post Office, 4 dispute claims with Chase, proof provided to both parties, I was not given a money order from the Post Office, they denied receiving any money. Chase took the money out of my account indicating it was paid to Post Office. Hence, I have no money order and {$1100.00} was taken from me. It has been over a month, with several attempts to resolve the issue, with no resolution and I am seeking justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I disputed online and sent a letter to Experian regarding a collection appearing on my credit report with the company XXXXXXXX XXXX  XXXX, which this collection isnt mine. Also, I contacted the original creditor several times, no answer. 

On XX/XX/21 Experian online alerts stated, The dispute for the account with XXXXXXXX XXXX XXXXXXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certi-ed to Experian that the information is accurate. 

Legally, according to FCRA any items unauthorized or unverified MUST be removed. 
Experian didnt provide any proof of this collection.