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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$81.00} Medical XXXX Balance : {$220.00} XXXX XXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Two hard inquiries by XXXX from XX/XX/XXXX must be removed. I have two investigation letters from XXXX ( one dated XX/XX/XXXX and another dated XX/XX/XXXX ) requesting TransUnion ( and the other 3 reporting agencies ) REMOVE the duplicate hard inquiries on XXXX XXXX. TransUnion has yet to REMOVE them, and it is XX/XX/XXXX and my credit rating suffers : I am in the midst of refinancing and will pay a HIGHER interest rate if these TWO hard inquiries are not removed. 

On XX/XX/XXXX either Trans Union of XXXX XXXX XXXX ( XXXX ) entered TWO identical hard inquiries onto my credit report. Neither admits fault. I contacted both Trans Union and XXXX. XXXX investigated and asked via letter that all four agencies remove the inquiries on XX/XX/XXXX. TransUnion has not. They shift blame to XXXX. I contacted XXXX again & they offered to send another letter which I received last week. I have tried on TransUnion 's web site and contacted them via phone but neither has been successful. I can not dispute a hard inquiry on their web site & tried to do so by explaining it using an 'account ' dispute but they simply disregarded my explanation & closed my request. Please help. Thank you.
Product: Credit card

Today, XX/XX/year>, I opened the XXXX  Rewards app, which is a credit card I have and I accidentally pressed a button that, without any confirmation screen, redeemed all my miles as cash on my account. I didn't want that. This terrible interface did not allow for accidents like that to have a confirmation screen or something that could prevent accidents like that. I contacted the company and they said they can not revert this back. Is an interface as misleading as that allowed? Is there any way to look into that and help me to revert the situation?
Product: Debt collection

I am under an agreement payment with this debt collector since XXXX of 2022. However, they haven't done anything to verify the credit bureau. It still shows on my credit report that the debt is still the same amount.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding these are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

1. Paying into an escrow account that I feel should not have been paid to Select Portfolio Servicing , Inc .

2. Paying Property taxes - no property taxes ( exemption due to XXXX since XXXX and age ) but the Mortgage Company withheld escrow for taxes and insurance from the time they acquired the mortgage.

3. Non-escrow account built and billed based on non-existence property taxes ( charging an escrow of {$6.00} x 24 months ( {$140.00} ) which should not exist because ; however, " the statement states that account has a monthly reserve requirement of 0 months - no escrow needed.

( 1 ) insurance is only {$140.00} ( paid each month by me ) with no increase in the last 3 years ( 2 ) no property taxes exist to be paid since ( XXXX ) - no taxes since becoming sole owner in XXXX 4. Can not understand the reason for the {$180.00} monthly charge to Escrow but only {$140.00} is needed for insurance, but Select Portfolio , Inc. shows a shortage in the Escrow account. Why?

5. Select informed me that I can not send extra principal payment without first calling Select Portfolio Servicing , Inc . In the past, I have always sent two checks : a monthly payment and a check for the extra principal but on the statement " No prepayment penalty '' XXXX Mortgage Payments : XX/XX/XXXX {$1000.00} for an extra principal ( check # XXXX ) and {$670.00} regular payment ( check # XXXX ) Should have been : {$1000.00} ( principal ) - and {$330.00} ( principal ) total = {$1300.00} NOT {$820.00} - - want to know where the money was applied for the month of XX/XX/XXXX and XX/XX/XXXX? 
XX/XX/XXXX - no statement provided for disbursement of money XX/XX/XXXX - {$1000.00} ( XXXX cents short ) paid for XX/XX/XXXX and XX/XX/XXXX {$520.00} mortgage payment applied for XX/XX/XXXX - {$6.00} to close the escrow account totaling {$530.00} {$510.00} applied to the principal account ( should not have been put in escrow ) because I did not request that of Select Portfolio ; however, no escrow should be owed because there is no escrow account ; therefore, payment should be applied to XX/XX/XXXX Mortgage Payment as verbally discussed with Customer Service on Monday, XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX Escrow Cancelation - Refund Due {$720.00} Insurance will be paid directly to XXXX XXXX XXXX XXXX by Mortgage Holder : XXXX XXXX XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} ; XX/XX/XXXX - {$180.00} XX/XX/XXXX - XX/XX/XXXX Overpayment Shortage ( Escrow ) - Refund Due {$220.00} XX/XX/XXXX - XX/XX/XXXX ( {$180.00} x12= {$2100.00} - ( {$1700.00} Insurance ) = Refund Due {$370.00}
Product: Money transfers

Set up a online money transfer with western union to be sent to an account in XXXX. Western union had my authorization to take money out of my checking account electronically which they did right away. However, the account number at the receiving bank in XXXX was incorrect due to which the bank in XXXX declined to accept the money. I received an email right back from western union on XXXX XXXX 2015 that the money would be refunded to my checking account due to the aforementioned reason. Its XXXX XXXX 2015 and the money has still not been returned to my account. My bank in the XXXX has been notified about this issue. I have called up western union 4 times. Each time there was a different response. XXXX representative even told me that the bank in XXXX is delaying the transfer. I do not understand how this is possible if the receiving bank declined to accept the money transfer. I feel it is pretty irresponsible on their part to dis regard my enquiries and also not return my money. The transaction is tracked with western union by the XXXX number XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer XXXX have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX PLUS XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX -CAPITAL XXXX XXXX -GM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

Following complaint # XXXX with TD bank, the company has yet another tactic they've used in the past to silence underprivileged, XXXX, youth Americans by threatening an account closure and not necessarily saying the reason it's for. TD Bank claims they have the right to close my account at their own discretion. They never warned of any wrongdoing, other than too many transfers from my savings account to my checking in order to not overdraft. Being that I was recently a victim of a gas station skimmer attack on my personal debit card, TD Bank claims representative presumingly knew that was a likely event from the same {$100.00} charges from gas stations in other different areas in where the county I live in. This continuous behavior from a national bank on treating XXXX consumers with no protected rights has been a long issue within the financial industries in America. This is a discriminatory tactic TD Bank has used against me, and I am asking the CFPB to help fight back with me.
Product: Credit reporting or other personal consumer reports

This account has inaccurate reporting. The company has failed to properly investigate. lots of fraudulent/Marketing strategies happened. Attempting to charge me with amount that does not belong to me. If not resolved, I will sue for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my EXPERIAN CREDIT report and noticed that they are reporting inaccurate Information in the personal Information section. To protect me from possible fraud and to diminish speculation, below is my accurate Personal Information : NAME : THIS IS MY LEGAL NAME : XXXX XXXX XXXX. 
EXPERIAN needs to delete any other references to Names, as they are not mine and I have never used any of them. 
ADDRESS : EXPERIAN has to make sure that my Address is listed correctly. My address should read : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Hawaii XXXX EXPERIAN needs to remove any other Address and Name Information they are currently reporting, as they are not accurate and could lead to possible Indentity theft and/or fraud.
Product: Debt collection

Aqua Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

I have applied for a rate and term refinance on my primary home, With Chase. And they denied me, supposedly due to not enough reserves in my account witch was incorrect. then I refiled and the agent said that the computer logarithm accepted my file. yet again underwriting denied me, and asked for an explanation but no one can explain the math of how they arrived at an incorrect debt to income. My tax returns show an income of $ XXXX yet I'm told that the underwriter arrived at {$44000.00}. The math is simple. But I am not being represent wright. 
I am not sure if it's redline or chase just doesn't want to lower my rate because they'll make less on the overall life of the loan. 
But I think that during these unprecedented times with covid_19 chase should do the wright ting for a healthier future of their client. 
How was I eligible for a loan in the first place with a lesser income but now with a higher income a can't even refi. 
thank you.
Product: Debt collection

XXXX solicited me to switch from XXXX XXXX XXXX by making false statements that the XXXX would work 100 % on their network, which was not true : at the time, the XXXX would only work at reduced speeds on XXXX 's network.
Product: Debt collection

Accnt # XXXX Original Creditor : XXXX XXXX XXXX Current Owner : XXXX  XXXX Ref ID : XXXX Current Servicer : Resurgent Capital Services LP Debt Paid for settlement of {$360.00} on XX/XX/2017 from original balance of {$450.00} Resurgent reopened debt reporting to Credit Bureaus attempting to collect the difference. 

Resurgents in false and inaccurate reporting adversely affected my credit score resulting in my denial of paid closing costs and down payment assistance programs because of a lowered credit score thus causing delays in my home loan underwriting process, higher mortgage interest rate and delays in my cleared to close.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN THIS COMPANY HAS VIOLATED MY RIGHTS I HAVE SENT THEM THIS COMPLAINT MULTIPLE TIMES AND AT THIS POINT ITS HURTING MY CHANCE OF PURCHASING A HOME. THEY ARE IMPROPERLY REPORTING ITEMS ON MY CREDIT REPORT THESE ITEMS NEED TO BE DELETED ASAP. I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. XXXX IS A GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE FOLLOWING ACCOUNTS LISTED BELOW DELETED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. - XXXX 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I did transaction ( send money to XXXX ) with Xoom company ( XXXX owner ) transaction # XXXX for {$1000.00} dls we supposed to take this money on XXXX company in XXXX, it was not successful and I cancel this transaction, after I did second transaction same day # XXXX for {$1000.00} to take the money in XXXX, this transaction was successful and I take the money that day Xoom system was taken my money from both transactions my checking account was charged for over fee 3 times cause not enough money for 2 transactions same amount I believe system didnt recognize first transaction was cancel and they try to charg me for both day after Xoom company just block my account saying I own one transaction for {$1000.00} dls and still they calling me, one of this call I was very clear with the person I was talking on the phone and I ask I really own this money and she says NO but I need to pay and after couple weeks they will send money back I dont wan na pay something I dont own it was system mistake and they have to correct, they just block my profile and now they put me on collection for not reason. On XX/XX/XXXX i speak with someone again, this woman send me email and she says i need to send back with my bank statement showing what transaction they charge me, same day I send the bank statement with not answer they never check my email today they call me again asking for this money I ask for proof of what transaction I take the money and own they refuse I just wan na clarify this situation im trying hardly to keep my credit health and Im scared this company will effect to me with no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 Credit Bureaus XXXX, Experian and XXXX several times regarding 3 accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I received notice the bureaus without cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 
XXXX XXXX {$0.00} {$250.00} {$5400.00} XXXX REPOSSESSION {$510.00} XXXX XXXX {$4000.00} {$46.00} {$4600.00} XXXX CHARGE-OFF {$1500.00} XXXX XXXX {$3000.00} {$3600.00} {$3600.00} XXXX CHARGE-OFF {$3600.00} Additionally I realized now the following Hard Inquires on my credit report which are not my own and do not meet the FCRAs Definition of Permissible Purpose All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : As ordered by a court or a federal grand jury subpoena. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Unless the Credit Bureaus themselves can provide a subpoena showing just cause to allow these to remain they need to be removed immediately. 

And finally the following account was just added to my account and was not opened or authorized by myself and needs to be immediately removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR N/A N/A $ USD XXXX
Product: Credit card

XX/XX/year> spoke with XXXX XXXX XXXX agent XXXX informed my balance owed {$450.00} to a closed account and sent to collections. And card is not active. 

I said okay due to circumstances and stated I will continue paying balance owed until paid in full. Efforts payment applied until XX/XX/year>. 

On XX/XX/year>, I contacted XXXX XXXX XXXX XXXX for balance status. Representative XXXX stated balance due {$290.00}. Next I request speak to supervisor XXXX stated balance due is {$390.00}. Both representatives reluctant to discuss payments applied to my account record. 

Perhaps I could have over paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Product: Credit card

I opened a Chase Slate card late last year. 
I 've been paying 3-4 times the amount due each month. The last two months I rec 'd notice ( in an email and text ) that my payment was due. When this happened to me this past month I decided to sign on to their app to make sure I had actually paid. I found that I had made the following payments ... XXXX XXXX {$60.00}, XXXX XXXX {$200.00}, XXXX XXXX {$130.00}, XXXX XXXX {$200.00}, XXXX XXXX {$300.00}, XXXX XXXX {$100.00} AND I had XXXX late charges ( XXXX XXXX {$25.00}, XXXX XXXX {$35.00} and XXXX XXXX {$35.00} ). When I called to find out what was going on and to see if I could have these late charges waived, I was told they could waive XXXX and that the late charges were occurring b/c I was paying too EARLY! They claimed I had made my payment before the new cycle had opened. After speaking with a supervisor and getting all XXXX late charges credited back, I made sure that my next payment did not get to them TOO early ( I sent {$200.00} on XXXX XXXX ). I also told them that this was a sneaky way of making money. Responsible people may WANT to pay their bills early and should not be penalized. 
I work for XXXX as a XXXX and know good and well they have the capability to look back to a prior month to check for early payments. This really needs to be looked into as I feel they are taking advantage of honest people who want to pay their bills on time. 

( Someone also needs to check this text box. When I type, only XXXX characters appear on each line. The rest may appear once I submit but they disappear on your web page. )
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute to update the balance of my XXXX XXXX XXXX XXXX account, which was an installment car loan. I paid the balance off ; therefore, I wanted the balance to reflect {$0.00} and paid in full. I submitted account documentation that demonstrated I paid the account in full. 

The dispute process took 30 days ; after the dispute process was over, TransUnion deleted my account instead of updating the balance. My credit score has now dropped because the debt to available credit has increased. This error has caused me not to receive credit for all of the on-time payments I made in the past, as well as paying the balance off. 

I called TransUnion customer service number and spoke to a representative who told me they could not assist me and that the dispute results were final.
Product: Debt collection

I received notification from XXXX on XX/XX/XXXX indicating that a collections account had been reported by Amsher Collection Services which negatively impacted my credit history. 

Amsher Collection Services reported a {$3700.00} balance and did not send written notification nor validation. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ].

As a direct result my credit score dropped by over XXXX points and went from exceptional to good. This is unacceptable and has prevented me from obtaining a loan for a vehicle I was in the process of purchasing. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. 

No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.
Product: Credit card or prepaid card

I fully paid the balance including the total interest fees of my Chase credit card in XX/XX/2018. There is XXXX balance. Now, JPMorgan Chase bank is charging me an extra interest fee ( hidden fee ) for XX/XX/2018 to XX/XX/2018. They did not warn me about the extra interest fee before paying off the balance and closing the account. I would like the U.S. Department of Treasury or another government agency ( that is in charge of monitoring U.S. banks nationwide ) to investigate JPMorgan Chase Bank 's practices and policy for their interest fees and other fees. Millions of Americans ( who are like me ) may have been charged with extra hidden interest rate fees. I hope you would investigate JPMorgan Chase bank in regards of their interest fees, especially hidden extra fees.