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

I have filed multiple disputes with Equifax, XXXX, and XXXX. I have not recieved the results of the investigation. There are numerous discrepancies on my credit report that need to be fixed or deleted. Please assist me by ensuring the bureaus investigate.
Product: Prepaid card

NetSpend mailed my card to the wrong address that had my tax return on it in the amount of XXXX I called them to file a Dispute for all the transactions that where made on the account they told me I was not eligible for a Dispute because the card was activated at the address that the card was mail to but it never was me that activated the card I never received it I also did a police report at my local police headquarters they are not helping at all in my transactions list there was a payment made at the courthouse here in my home town I told police but they still haven't Begin to look into it I have a list of transactions over XXXX transaction that are unauthorized net spend is also not trying to help at all if possible I would like to sue net spend for mailing my card to the wrong address also a address that I've never had not sure where they got the mailing information I called the IRS as well the IRS possibly gave net spend the wrong address to mail my card to and or net spend sent my card to the wrong address on there end I never received the card myself so I don't know the full card number all I know is the last XXXX digits of the card which is XXXX also my social is XXXX
Product: Mortgage

hi, i made 2 mortgage payments on XX/XX/2020 at local branch of 5th/3rd bank i have had the same problem at this branch 5-6 years ago. i paid with 2 separate checks and submitted 2 separate monthly statements. ( accts # XXXX and XXXX ) the one acct was credited twice and the other acct shows a missed payment!!!! i went to branch and the clerk the made the mistake said he couldn't do anything but would send the info off to who knows where.anyway 3 weeks later i am getting collection calls and i got some email alert about my credit score NO FOLLOW UP, NO SORRY FOR MIX UP, LATE FEES YOU BET WHAT A bank i hope to here from cfpb. what we need is a bigger and stronger CFPB not smaller thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EXPERIAN for still allowing the fraudulent accounts on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/ Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. REMOVE INSTEAD ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card or prepaid card

I have been unable to make a payment to me XXXX credit card with Comenity/Bread Bank because I am unable to access my account. When I attempt to login I receive a message that my account information is incorrect. I have attempted to reset the password numerous times and either never receive the code or receive errors when attempting to enter the new password. Its not you l, its us. We have experiencing systems issues. Please try again later. The information you entered does not match our records when changing the password. I have received countless calls from Comenity bank requesting a payment over the phone but no assistance with fixing my account issues. The account is now passed due and has affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit report they have pulled my XXXX and XXXX report i have tried to get this dealt with but they have not been helpful at all
Product: Debt collection

National credit systems are reporting a collection on my credit report, they are not licensed in the state of Arkansas. So therefore they can not properly validate the debt. I have asked to have this item removed several times with no luck.
Product: Checking or savings account

This complaint is against BMO Harris Bank. 
I had opened online one year CD with BMO Harris Bank. 
It matured on XX/XX/2021. I called to redeem the CD on maturity, The bank told me that they will send the balance, a little over {$38000.00}, by check and that I should receive the check in 7 to 10 business days. When I did not receive the check after 10 days I called the bank and they told me to wait for another 2 days. When the check did not arrive after 15 days I called the bank again. This time they told me that the check was actually mailed on XX/XX/2021 and perhaps wait for it a little longer. If I did not receive the check after that I would have to sign and Indemnity form and wait for 90 days to get the check re-issued. I asked for tracking number from the carrier so I could find out from the carrier why it was not delivered. It turned out that check was sent by ordinary mail with no ability to track the delivery. The bank would not pay any interest for the 90 days delay. Alternatively I would have to purchase, at my expense a surety bond to receive the payment earlier. Either way the bank is penalizing me even though the bank itself acted irresponsibly in sending the check in an insecure manner without any guarantee of delivery. If the bank is going to delay the payment by 90 days I should at least get interest on it
Product: Checking or savings account

XX/XX/XXXX Applied for a Citibusiness XXXX XXXX Account with banker XXXX XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX branch during a promotion that ran from XX/XX/XXXX through XX/XX/XXXX. 

XX/XX/XXXX I visited the branch again to finalize account opening procedure and to make an opening deposit. XXXX XXXX attached the promo code to my account and provided me the Terms & Conditions of the promotion. Please see the attached document titled " Citibank XXXX XXXX Checking Account Offer Terms & Conditions. '' XX/XX/XXXX I made a deposit of {$100000.00} at the same branch to meet the requirements for the {$1500.00} bonus level. Funds were maintained through XX/XX/XXXX ( please see attached document for account transaction history ) as required according to promotion terms : " maintain one of the Qualifying Balance Levels in such account ( s ) for 60 consecutive calendar days after the Qualifying Balance Level is met during the the initial 30 calendar days funding period '' According to the Terms & Conditions of the promotion below, bonus of {$1500.00} should have posted by XX/XX/XXXX : " The Cash bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete all Offer requirements. '' As of submitting this complaint on XX/XX/XXXX, I have not received the {$1500.00} bonus as promised.
Product: Debt collection

XXXX sent information and I got served by. XXXX. The collection agency has an incorrect amount of what owe. 
I get countless mail. 
XXXX XXXX contacted them before being unable to keep up with their excessive late fees and over the limit fees and was told they was no program that i could in at the time. 
I get non stop calls
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/2014 IS A FRAUDULENT ACCOUNT AND DOES NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.
Product: Debt collection

On XX/XX/year>, I sent a cease-and-desist letter to Hunter Warfield, requesting that they immediately stop all communication with me regarding an alleged debt. In the letter, I stated that I disputed the debt and that any further contact would be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I also explicitly requested that they not contact my workplace or me directly in any form, written or oral. 

Despite this, on XX/XX/year>, I received an email from Hunter Warfield regarding this alleged debt, specifically mentioning XXXX XXXX XXXX, XXXX. This communication was in direct violation of my cease and desist request. Furthermore, they have continued to attempt to contact me via email, phone, and other means after receiving my cease and desist. 

I believe this repeated contact is a clear violation of the FDCPA, which prohibits further communication once a valid cease and desist request has been made. I am filing this complaint because Hunter Warfield has failed to comply with federal debt collection laws, and I request that they cease all further communication about this matter.
Product: Credit reporting or other personal consumer reports

I extend my gratitude for your efforts in addressing some of the fraudulent entries on my credit reports resulting from an alleged identity theft. I appreciate the time and attention you have dedicated to this matter. However, there remain unresolved items that require immediate attention and removal. I kindly request XXXX Credit Bureau to address the following outstanding items, previously unattended in my prior complaints. For your reference, I have listed the relevant details below. Additionally, I've included my FTC Report # XXXX for your comprehensive understanding : -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- TRANSUNION -- -- -- XXXX -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. This formal complaint serves as notice that the failure to eliminate these specified items from my credit report may lead to legal action. I have informed my legal representative of my intentions, and they are prepared to address any willful noncompliance.
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  Account Number : XXXX Account Name : XXXX 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: Debt collection

XXXX continues to assign an account to collection agencies that I do not owe. I contacted the last agency XXXX XXXX and told them this account is disputed because the service is still active and has never become delinquent. XXXX was handling the billing for XXXX XXXX and that billing was transferred back to XXXX XXXX. The XXXX XXXX account is currently active and has been for over 8 years. There is apparently some transfer of funds issue that occurred between the 2 large companies but the account has never been past due. Currently ERC is attempting to collect this debt. I thought it was closed back in XXXX of 2017 when I contacted XXXX XXXX and explained the internal billing error between these companies. My next course of action will be to file a lawsuit aginst all parties involved.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/XXXX, I received several emails from a financial services app called Chime, letting me know that an account was opened using my email address, and that a service called XXXX  was activated. ( This appears to be an overdraft protection feature, covering up to {$5.00} of overdraft ; this feature was used immediately, with whoever opened the account purchasing {$.00} worth of something from the XXXX XXXX XXXX ). 

I have checked my bank accounts and credit cards, and I can't seem to find any evidence that my personal financial information is linked to this Chime account that was opened using my information. However, on Tuesday, XX/XX/XXXX, I received notice that a Chime Visa card was being sent to me, and the address in that email matched my actual physical address. As a XXXXXXXX XXXX XXXX XXXX, my personal information WAS recently compromised, with everything from my social security number to my address and phone number being stolen, along with thousands of other employees '. I have credit monitoring and everything, but this was a disturbing first case, I think, of someone using my information fraudulently. 

My complaint is that I immediately tried to contact Chime to get them to cancel the account, and I have emailed them several times now : three times on XX/XX/XXXX, once on XX/XX/XXXX, and once again this morning ( XX/XX/XXXX ). On XX/XX/XXXX and XX/XX/XXXX, I received automated email responses that assured me they take fraud very seriously, but then also asked whether I was sure that I hadn't opened a Chime account months or years ago. And no matter how urgently I've tried to communicate their need to shut this account down immediately, I have yet to receive any communication that suggests a real person is taking care of this, or that there's any urgency to address fraud when someone brings a case like this to their attention. I don't know how much of my personal or financial information might be in their database right now, I don't know who might be using it, and I don't know how much risk my own credit reports/credit score might be under ; I would have loved for a Chime representative to communicate with me, but because they have not, I hope the CFPB can help.

One last note : Chime 's phone tree is an absolute nightmare. It goes nowhere -- whether you tell them you're an existing customer or not, they redirect you to the website or to the email address, XXXX. It was not possible to speak to a real person when I tried it on XX/XX/XXXX, and that is why I've been emailing them so much. If I could have called and gotten it resolved right away, I would have.
Product: Money transfer, virtual currency, or money service

Friday, XX/XX/2019 attempt to purchase 2 XXXX XXXX tickets from an XXXX XXXX XXXX on XXXX. Paid him {$200.00} via paypal through friends/family transaction. Paypal does not pursue claims unless it is through a business transaction. XXXX XXXX XXXX XXXX XXXX XXXX told me it is unable to recant or place hold on funds since it is through a personal/friends/family transaction. XXXX XXXX XXXX will not refund the {$200.00}. Please see supporting documentation in attachments.
Product: Credit reporting or other personal consumer reports

I am requesting your support with this incorrect account on my credit report, which has been hurting my reputation as a customer. I need your help to remove these accounts because they have been reported incorrectly and negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is filled with discrepancies, and unauthorized accounts inwhich I'm now disputing and have disputed. The credit reporting agencies have deemed the disputed accounts as verified but did not support this with any hard copied documents that shows ownership. I'm respectfully requesting the Method Of Verification used in process of these accounts inwhich I'm disputing, ( 1 ) XXXX XXXX XXXX {$240.00}, ( 2 ) XXXX XXXX XXXX XXXX {$3600.00}, ( 3 ) XXXX XXXXXXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX {$600.00}, ( 5 ) XXXX XXXX {$3300.00}, ( 6 ) XXXX XXXX {$0.00}, ( 7 ) XXXX XXXX XXXX  {$480.00}, {$290.00}, {$240.00}, {$150.00}, ( 8 ) Missouri XXXXXXXX XXXX {$9300.00}, {$5300.00}, {$5000.00}, {$2700.00}, {$1300.00}, {$120.00}, {$94.00}. 
Please block all accounts above.
Product: Vehicle loan or lease

I have tried for two years to get the title to my car from VW Credit after purchase. 

After my initial complaint to CFPB VW Credit sent the title to my car without providing me with the bill of sale. It's not possible to transfer this title to my name without a bill of sale. 

When I received the title I found that it was signed on XX/XX/21 with the odometer reading from my odometer statement included, proving that they did receive my odometer statement two years ago. 

VW Credit withheld my title for two full years without cause. They are now withholding the bill of sale necessary to transfer this title into my name. 

VW Credit lied to me about the status of my title, lied to me about my right to legal counsel, and continually frustrated my attempts to have the title to a car I purchased two years ago transferred into my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for mortgage deferment / forbearance for two rental properties I own. XXXX / XXXX services both mortgages. I received auto-reply messages saying my forbearance request was received and I should turn off the AUTOPAY direct debits for the loans. I did so. On XX/XX/XXXX, I received LATE PAYMENT notices for both loans. I responded to XXXX with detailed emails and phone calls ( that are not answered ). I received an auto-reply from Loss Mitigation with a Ticket Number and instructions on how to apply for forbearance ( which I had already done, twice, with two confirmations of their acceptance. ) See below : # # # XX/XX/2020 ( Reference number : XXXX Please use this ticket number in any correspondence with us. ) Subject : Loss Mitigation Dear Valued Customer, Thank you for contacting us. 
A Message About Coronavirus ( COVID-19 ) and How to Apply for a Forbearance Thank you for contacting us about your mortgage. If you are experiencing financial hardship due to the coronavirus ( COVID-19 ) pandemic, continue reading for information about your relief options. 
On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law. The CARES Act allows mortgage borrowers to request a forbearance with an initial term of up to 180 days ( 6 months ). When the initial term expires, mortgage borrowers can request an additional term of up to 180 days. 
# # # More phone calls that never get answered, more emails that have an auto-reply. 

I then SELL the homes. And the loans are paid off. AFTER the sale is closed I learn that XXXX has marked my loans as 60 days late making it impossible for me to modify any other loans. My web portal ( to login to XXXX ) is now closed. And they still don't answer the phone. 

Please help. 

XXXX XXXX
Product: Mortgage

XXXX, TX XXXX has been vacant for more than 12 months and has become a health and safety hazard for the community. The property is not well maintained and the HOA is not able to collected needed assessments from this property to help pay for services the HOA provides the community to help maintain property values.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with XXXX XXXX that was opened XX/XX/XXXX. I used this account while in college and my grandfather was a co-signer on the account. In XXXX, my credit card expired and a new card was never re-activated. Unknowingly to me, there were auto-charges for {$200.00} on the account that were still be executed by XXXX and another company I do not recall. These bills were being sent to my grandfather 's office in XXXX and were being paid. In XXXX, his office was sold after he passed away and a forwarding address was provided for mail that was delivered to that location. These charges were again executed in XX/XX/XXXX and I never received a bill or notice of late payment from XXXX or XXXX financial. I found out about the pending charges via a notification from XXXX XXXX that my credit score had reported. I immediately paid the bill in XX/XX/XXXX and closed the account. I then sent a dispute letter to the XXXX XXXX regarding the charges that were made on an inactive credit card and explaining that I never received a bill or notice of late payment to the forwarding address for my grandfather 's office. To this day, I still have yet to receive correspondence regarding confirmation that the bill was paid, which I requested the day I paid the bill and an additional time I called to follow up. According to XXXX, XXXX and TransUnion they have reported the account was closed but continue to report the account balance at {$270.00} ( principal charges and fees ) which I have confirmed is not true. Further, my dispute letter was sent to XXXX financial in XXXX of XXXX and I have yet to receive any response to my dispute to the address I provided.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$690.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX