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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them DELETED from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I had the medical name XXXX XXXX claiming, i owe them lab bill which was from last year XX/XX/2019 meanwhile they have my XXXX info through the doctor office call the XXXX  office said i was cover time of the test period.I ask maidcaid office to give me a proof of coverage they want XXXX XXXX to bill them so they can pay. I am including XXXX card for billing XXXX XXXX refuse to do that. I tried many attempts but they being hard on me instead helping me i need these collections to be remove from my credit file which are result of incorrect billing error adding " CCS '' File Numbers File number XXXX in amount of {$400.00} File Number XXXX in amount of {$570.00} '
Product: Checking or savings account

Schwabb has done 2 investigations both yielding the same and inaccurate result about a fraud claim. They are using the same reason as the first time to deny my claim. I have stated on here the CFPB that I have been defrauded and Schwabb is doing absolutely nothing about it. I did NOT authorize any transactions and DID NOT receive any sort of merchandise or services for the money taken by the merchant from my account. There has been zero exchange of goods and services between me and the merchant. Schwabb has called and left voicemails, they have VERY limited hours for the department I am to speak to, and when I call the point person assigned to my case he nor anybody in the department picks up the phone. They closed a second " investigation '' without doing ANY investigating. They never spoke to me, and more importantly they still haven't said ANYTHING about reaching out to the merchant about this. And the reason for that is because THEY CAN'T REACH THE MERCHANT, BECAUSE THE MERCHANT KNOWS THEY ARE DEFRAUDING PEOPLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with fair credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX - account # XXXX, XXXX XXXX  - account # XXXX, XXXX XXXXXXXX - Account # XXXX, XXXX  - account # XXXX, XXXX XXXX # XXXX, XXXX XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX XXXX -account # XXXX, XXXX  XXXX- account # XXXX, XXXX XXXX -account # XXXX, Has Violated My Rights. 

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

15 U.C.S 1681 section 604 section 2. It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.C.S 1681c. ( A ) ( 5 ) section States. No consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I purchased airline tickets from XXXX XXXX and authorized an amount of {$1600.00}. This was immediately debited to my account and showed up as pending. A few days later, I received notification from my bank that the transaction had not been completed and that the money had been returned to my account. I tried to contact XXXX XXXX repeatedly to find out what had happened, but the wait time to speak with an agent was over 8 hours. Since I was desperate to get to our destination for a wedding as well as to see my terminally ill father, I booked alternative flights with another airline. It later came to light that XXXX XXXX had debited my account with XXXX further smaller transactions totalling the same $ amount as the original transaction, but because this is a multi currency borderless account, this was not obvious because the amounts were actually debited in British Pounds. I contacted Wise for further information about these amounts and found that under authorization they both said " authorization unknown ''. Wise agreed that since there had been no communication from XXXX XXXX as to what they were doing, that these transactions were not in fact authorized and they would initiate a chargeback to get the amounts refunded to me. They later reneged on that verbal agreement and said there was nothing they could do. I do in fact have an email from XXXX XXXX at Wise dated XX/XX/2022 which states that an amount of {$1600.00} was debited on XX/XX/XXXX. It also states that instead of debiting that amount the merchant split the payment and debited additional amounts BEFORE the first transaction was refunded on the XXXX and XXXX of XXXX respectively. I have attached a copy of that email. As it clearly confirms in the email, the transactions say " authorization unknown ''. I contacted XXXX XXXX separately and they said because the ticket is non-refundable, there is nothing they can do. I did tell XXXX XXXX before the flight departure date that I would not be using the tickets and therefore they were free to resell those seats, which I am sure they did. In summary, These smaller transactions were not authorized, Wise agreed that they were technically fraudulent and that they would help us and then renegued. I need to know that my interests are protected when I used my card, and in this case they were not. I need a refund as soon as possible.
Product: Money transfer, virtual currency, or money service

On @ XX/XX/2022 I received a letter from moneygram stating they had a refund and that I had to contact them or the money would be sent to the state of ky. I have spoken to them 5 or 6 times over the next @ 4 weeks, each time they give me a different story. The letter is attached. The original reference number was closed by them and a new number issued XXXX. 
Please help get me the money ( {$3900.00} ) they say they owe me. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I checked my Equifax credit score through the account I have on XXXX XXXXXXXX XXXX website. It was XXXX, but it showed me owing XXXX XXXX {$62.00} which was false. I owed XXXX XXXX nothing. 
I filed a dispute with Equifax through XXXX XXXX and on XX/XX/21 the {$62.00} XXXX XXXX balance was removed but my Equifax credit score dropped XXXX points to XXXX. 
There has been no activity at all to have caused that to happen so I filed another dispute with Equifax and I also filed a dispute with XXXX XXXX. 
Not only did either company 's representatives not understand the issue, the score remained the same and has not gone back to XXXX.
Product: Mortgage

As of XX/XX/18 i have been trying to get an UPDATED payoff demand so that Bank of American can receive a FULL PAYOFF ... ... ... ... ... ... .BAC is claiming the authorization was denied because the signatures dont matcH .... OF COURSE THEY DONT MATCH THE ORIGINAL SIGNOR IS DEAD!!!!!!!!!!!!!!!. I have faxed in the authorization, copy of death certificate, and the probate paperwork MULTIPLE TIMES. ( see attached ) Bank of America is REFUSING TO PROVIDE A PAYOFF DEMAND TO ME AS THE AUTHORIZED THIRD PARTY.

WHY is Bank of America allowed to do this -- - isnt this ILLEGAL????????????????

I want a payoff demand immediately and without further delay.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block, inc. ) Due to inequate customer service and on the fair practices which violate the customers Financial Protection Acts ( CFPA ) specifically cash up failed to take time and effectively measures to prevent an address fraud on that platforms leaving my account vulnerable and unprotected furthermore the disputes resolution process was unfair decisive as they did comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations. These actions have caused significant inconvenience and financial loss and I seek appropriate address for these violations
Product: Mortgage

My loan was sold to Roundpoint mortgage in XXXX and I have made successful monthly payments. My XX/XX/XXXX payment was off by {$.00} due to a typo on my part. I happened to be online for my account to get a payoff amount quote to discover that my XXXX payment was in a suspended account and not applied to my loan. I called to find out what was going on and that the payment had gone through my bank as usual. That is when they told me it was off by {$.00}. They said they had tried to call me on the XXXX day of XXXX, but they are not allowed to leave a message. I can see that a call came in when I looked the number up- it came in as junk. No email was sent to inform me of the discrepancy. I was told they would not do a one time courtesy waive of the late fee which is {$77.00} even though the discrepancy is {$.00}. I was quoted that they are following Fannie Mae investor guideline attempting to collect on the consumer debt. I paid the {$.00} and the {$77.00} late fee and received a one-time email confirmation of payment. My experience with mortgage servicing companies is they are not interested in partnership or relationship. They have an option to do better, but won't. It is the XXXX of XXXX today. Not even 30 days have gone by. I feel they are unnecessarily charging for something that could have been easily rectified.
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 account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, has violate15 Ud my rights. 

15 U.S.C 1681 SECTION 602 A. States I have rights 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

According to my rights under FCRA ; I have the right to request for information of incomplete material be removed from my credit report. The attached document has information for pending allegations that I have not been convicted of and should be removed per my rights under the FCRA for reporting incomplete information. Please remove this at your earliest connivence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

Upon checking my credit file, I noticed that I have two accounts listed on my trade lines from Arbor Professional Solutions. The fair credit reporting act requires that debt collection agencies give consumers the right to dispute any alleged debt and the company are required to validate the debt ... this company did neither I never received the right to dispute this account nor have I received any correspondence in the mail regarding this account. By law this account should not be listed on my trade lines
Product: Mortgage

phfa informed me that i will receive monetary assistance with my mortgage and utlities. it took more than 8 months to receive the first payment and have yet to receive the second payment or payment for any utilities. i have tried to contact plenty of people their employees change monthly, their site and program was put on hold. Never received an update from customer service reps as the keep informing me they cant see the status. my mortgage has increased from XXXX XXXX XXXX without my knowledge and i don't know next steps as i have yet to here from phfa and it has been 8 months since last contact
Product: Mortgage

Northwest Bank mortgage department is wrongfully overbilling my mortgage account. I always paid my account as agreed, {$220.00} since a loan modification was approved last year. My payments were due on the XXXX of the month, and I always paid prior to the XXXX, however Northwest doubled up on payments several months ago alleging that I was always one month late in paying my monthly debt. Although I spoke to and was bounced around by several individuals at Northwest, none of whom could reasonably explain why I'm being overcharged. Instead, I'm told that it was a banking glitch that they are working on resolving it, until finally Northwest is tacking an additional payment onto my account. I am being overcharged a full month, in addition to late fees.
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, 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 XXXXXXXX, 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 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 or 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 or other personal consumer reports

A credit card account ending in XXXX has been paid in full and charged off as of XXXX. USAA is reporting that the charge off was closed on XX/XX/XXXX with another late payment of XX/XX/XXXX. This is inaccurate. I have proof of payment on this account showing when the charge off closed in XXXX. A charge off being closed in XX/XX/XXXX is impossible as the account has had no date reported for a year until these new bizarre late payments. 

The charge off date needs to be updated to the date the paid in full, not XX/XX/XXXX. 

Update the charge off closing date to the day payment was received immediately!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me an email that report was complete. It was filled with discrepancies. First the majority came back on the same day of XXXX XXXX XXXX as accurate when I didn't dispute with the CFPB until XXXX letting me know they didn't research them at all. 2nd there are accounts that show no status, but Experian said was verified which couldn't be true with no update from company. All these accounts they say are verified are FRAUD accounts. I would like to know who they talked to at each company to verify these accounts. I just want these fraudulent accounts removed. The counts in question are below. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( 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 TransUnion 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 a Collection account at XXXX on XX/XX/XXXX Account number ( XXXX ) an Collections account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an Collection Account opened at XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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

n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXXhas violated my rights. 


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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I'm filing this dispute against XXXX  and Equifax based on their inaccurate credit reporting - TransUnion is showing my credit score at XXXX Equifax is showing my credit score at XXXX I filed a complaint two weeks ago and they both made minor adjustments, however BOTH bureaus are still reporting my credit card usage as 24 % - in fact, it's closer to 10 % What's more troubling is the fact that they're showing my Age of Credit History at 10 months, which is horribly incorrect. I've maintained an impeccable credit history for 3 years now This needs to be adjusted as again it's impacting all of my ability to obtain a car loan, as well as, my overall good standing. I'm about to engage in government contract work and this may very well prohibit me from doing so
Product: Credit reporting

XXXX XXXX Bank XXXX, has Fail to validate at my request on XX/XX/XXXX there is no date of last payment, the last payment made was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked EXPERIAN CREDIT BUREAU several times to remove inaccurate personal information that is reporting on my credit. For example my name being reported incorrectly, unknown addresses, and the employer status that is invalid. 

I have contacted EXPERIAN CREDIT BUREAU on several attempts to get this matter rectify. First attemptXX/XX/XXXX, Second attempt XX/XX/XXXX, Third attempt XX/XX/XXXX. On my third attempt I expressed if this matter isn't corrected, I will be force to file a complaint with CFPB. My petition was disregarded. EXPERIAN continues to report the wrong personal information in my file. 

I hope who ever reads this complaint will be able to help me in this matter. I have been a victim of identity theft once before in my life. It is a terrible, stressful, and unfortunate thing to deal with. Therefore I am trying my best to protect my information at all levels. THANK YOU IN ADVANCE.
Product: Credit card

I have the Citi Thank You Premier card and wanted to transfer some Thank You points to XXXX. When calling, their agent asked for my XXXX member number as well as my password. 

I refused to do so as this would mean the agent would be able to access my XXXX account online. After complaining about this to Citi, the reply from one of their Security Specialists was " in regards to your XXXX ID and password, we are able to ask for that information over the phone at this time. '' Although he confirmed that he 'd be escalating the matter further, it 's deeply concerning that their policy is to ask for a customer 's username and password to an account over the phone.
Product: Credit reporting or other personal consumer reports

My sister and I were on a FHA loan. We decided to sell the home and requested our loan servicer ( XXXX  ) to place us in forbearance during that process. They agreed, and the loan was approved for forbearance for XXXX, XXXX, and XXXX of 2024. When XXXX came and the home still wasnt sold we asked if we needed to pay the entire amount due or if what was owed could be placed at the back of the loan, so that we could start fresh with XXXX payment. We were approved and placed in a trial program ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which was to start XX/XX/year>. We never missed a payment and were never late. We sold the home XX/XX/year>. While in the trial program, the loan was transferred to a new loan servicer ( XXXX XXXX  ). On my credit report the mortgage loan reports as XXXX  days late, which is inaccurate. An approved forbearance can not be reported as XXXX  days late and, while in the trial program we were never late. I disputed this inaccuracy with all XXXX Bureaus and the information has not been updated to reflect accurate information. Due to this error, I can not buy a home now or in the near future and am forced to rent a home for my family. I have attached the proof of XXXX  and XXXX XXXX. I provided this same proof to the Bureas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to validate account in writing twice and have not received a response, the status has not been updated as disputed on my credit report. 

First Attempt occurred on XXXX No response 2nd Attempt occurred on XXXX No response
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM XXXX XXXX   XXXX XXXX..NEVER HAD ANY BANKRUPTCY
Product: Checking or savings account

Chase took {$300.00} out of my checking account they said because of inactivity. I had no warning so I went to the bank in XXXX XXXX CO, they said the {$15000.00} had been inactive so they took out {$300.00}, I then close my account before they took out more of my money. 2017
Product: Credit card or prepaid card

On XXXX and XX/XX/2016 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.