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

I pulled my credit report in XX/XX/XXXX, rather Experian sent it to me in XXXX, XXXX at no time on the report sent to me by Experian did there note nor was there indicated a repossession on my credit file, I went to purchase a vehicle in XXXX, XXXX and the dealer showed me my report they ran which also showed NO REPOSESSIONS on my credit report. I was denied based on credit utilization and told to get my balances down which I did ; I went yesterday to attempt to purchase the new vehicle again and now all of a sudden, XXXX  is listed a repossession on my credit file which was never there. I am now being denied based on a repo on my credit file. How can these credit unions get away with just inserted whatever they want on your credit with no oversight? This is ridiculous. They can't go back in time to XXXX and all of a sudden add a REPOSSESSION! How is this possible? Experian refuses to investigate this saying " well they said its accurate '' so despite me showing the report they sent me and the report from the dealer from XXXX and the report not where it wasn't there and now it is, no one will help me. Its absurd! I am also filing a complaint with the CFPB regarding Experian inability and unwillingness to look into the matter. I am also requesting a 100 word statement on my credit file describing the shady tactics. I feel my complaint to this office regarding another matter with XXXX reporting inaccurate information on an old account has prompted this vindictive and retaliatory action of all of a sudden inserting and changing along with backdating information. The statute of limitations on this debt has expired and should only be on file for " up to '' 7 years. XXXX is in violation of FCRA and FDCPA. Its ridiculous and unfair. You can seen the report Experian sent me from XX/XX/XXXX there is no REPO listed, you can then see the credit report ran by the dealer in XX/XX/XXXX again no repo listed, then in XX/XX/XXXX you can see all of a sudden Experian has listed a repo on my file that wasn't there previously and it goes back to XXXX.
Product: Money transfer, virtual currency, or money service

I purchased a Western Union Financial Services Money order from XXXX, their agent, on XXXX XXXX XXXX XXXX in XXXX XXXX XXXX last year. I never used it or fllled it out. This XXXX I wrote my name in the pay to line, endorsed it on the back, and deposited it to my bank, XXXX. Western Union charged back the entire amount, {$420.00}, without explanation. I subsequently contacted Western Union and sent them copies of both sides of the money order they returned to my bank, with the debit to my account, and my purchase receipt. They claimed the M.O. was expired because it was over a year old. THERE IS NO STATEMENT ON THE M.O. THAT IT IS ONLY VALID FOR ONE YEAR. Instead the terms on the back say if not cashed in one year, they will start charging {$1.00} per month. 
So far, Western Union insists I either have to pay them {$30.00} to " trace '' the M.O, which I have no need to do ( and get a notarized statement ) or apply for a " refund '' for my money which they have, for a {$15.00} fee. THIS M.O. WAS NOT LOST OR STOLEN. I DO NOT NEED A REFUND! They need to credit my bank account for the illegal and illicit chargeback. 
attached is a pdf with one of my letters to them, including copies of the money order, receipt, and my bank record, which they received from me.
Product: Debt collection

This company, Prime Business Service, is reporting a duplicate account and debt. I have disputed with them several times and they do no respond. XXXX companies can not collect on the same debt at the same time per the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiries ) I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I recently recently reviewed my consumer credit reports and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts, for they are hurting my ability to obtain credit. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX, Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX accounts has resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO report.
Product: Mortgage

On XX/XX/XXXX I closed on a VA streamline refinance at my home with a notary. I was contacted by the closing company, Mortgage Connect, on XX/XX/XXXX to inform me they had lost the closing package in their office. They instructed me to contact XXXX XXXX  for information about how the error would be resolved. 

When I contacted XXXX XXXX  on XX/XX/XXXX they confirmed that they were aware of the issue, but it was unprecedented, and it would take some time to resolve. At this time they confirmed my original mortgage had been paid off. No time frame was provided for resolution. No communication was received from XXXX XXXX  the following week. 

Saturday, XX/XX/XXXX my wife logged into our online portal. It showed our original mortgage had been re-instated, a payment was due, and late fees had been applied. The XXXX XXXX  escalation team was able to remove the late fees, but unable to confirm if a payment would need to be made. They assured me I would hear from someone on Monday to clarify and provide additional information. 

I received a call Monday from a XXXX XXXX  representative, who agreed to call me back at XXXX. I did not receive another call that day. I sent an email to the CEO of XXXXXXXX XXXX that night to ensure he was aware of the unprecedented situation and request his oversight to ensure a swift smooth resolution. I received no communication from XXXX XXXX  on XX/XX/XXXX. 

I called XXXX XXXX  on XX/XX/XXXX. I spoke with a member of the escalations team who assured me I would hear back from the person taking care of the issue by the end of the day. I had not heard back by XXXX, so I called back and was put in touch with XXXX XXXX the exception handling- team lead assigned to my issue. She informed me that a request had been submitted to take care of the mortgage payment in question, but had little information to offer on the process moving forward. 

I have not received any documentation of the error, nor have I been provided any clarification or transparency as to how this issue is being resolved other than I will need to close again. I have not received documentation of the loan payment they claim they made on XX/XX/XXXX. It is unclear if they are asking me to close on the same loan, or a new loan. They have scheduled me to close again on XX/XX/XXXX. 

I have asked on several occasions for documentation of this unusual situation for my records. To date XXXX XXXX  has only provided a letter from Mortgage Connect stating that the closing had to be canceled with no mention of why. I asked for the reason of the cancellation of the closing to be included. I was informed this morning by XXXX XXXX at XXXX XXXX  that Mortgage Connect would not provide another statement. Upon contacting Mortgage Connect, they confirmed they are in fact in the process of drafting the requested letter. They did not provide a time frame the documentation would be available. 

It would appear this error has been mishandled in many ways. Any oversight your organization can provide in this unusual situation would be appreciated.
Product: Prepaid card

Over the holiday season in XX/XX/year>, a family member gifted me a prepaid Amex gift card with a total of {$500.00}. I was waiting to use this card for the right purchase and finally attempted to use it that following XXXX at a guitar store in my XXXX  town ( XXXX XXXX XXXX ). The total for the electric guitar was in the $ XXXX but upon checkout, the card would not go through. The cashier tried several more times, thinking it could be an issue with the zip code. As this was my first time trying to use an Amex prepaid card ( I have been gifted XXXX gift cards before ), I tried giving them the Amex headquarters zip code and the zip code where it was purchased. The card still did not work. In the beginning of XXXX, I also tried to use this gift card to make a purchase online with the company XXXX. The representative processing my payment over the phone also had trouble with my prepaid card. This time, I was attempting to make a split payment, but he was nice enough to find me a discount so that the total amount was less than {$500.00}. Even then, my prepaid card failed to go through, this time due to an issue with the security code. I called Amex at their 24-hour customer service line and was connected with an agent. He was incredibly unhelpful and stated that the card doesn't work online sometimes but never offered a solution, guidance, credit or refund.
Product: Mortgage

I am in an active chapter XXXX bankruptcy in which the mortgage service is to follow rules set forth by CFPB on how pre and post petition payments are to be applied. Ocwen now PHH mortgage servicing has continued to perform my annual escrow analysis based on prepetition arrearages. The escrow has remained in a negative balance and was never made current upon chapter XXXX plan approval to pay arrearages which included funds advanced as well well as amount to bring current. They are essentially double dipping and getting paid on the arrearages through payments from my trustee as well as current monthly payments. This has also resulted in unnecessary payment increases. I have sent written requests in XXXX & XXXX to which they either completely ignore or state they my claim isnt valid. They are improperly serving my loan being in a chapter XXXX plan and misapply post & prepetion payments.
Product: Debt collection

XXXX XXXX XXXX on XX/XX/2017 I tried several times to get this off my credit report from all 3 credit bureaus but to no avail. I will take accountability for my own debt and will pay it off like the records showed but this one is clearly not mine. I have only noticed it recently while I was trying to fix my credit.
Product: Checking or savings account

XX/XX/XXXX - unauthorized transaction on my account for {$110.00} using a debit card that had never left my apartment. I immediately attempted to cancel the card but there is no way to do this without calling Ally Bank. After waiting over 90 minutes to speak with a representative, they cancelled the card while also letting me know that there were multiple other pending charges that had been declined from that same night. Two days later on XXXX XXXX  another charge was attempted on that card. After another 60 minutes on hold, the representative informed me that the other charges were pending, not declined, and I may have to separately dispute them after they post. This is still on a debit card that had never been used. Ally Bank has made no statement as to how debit card information is being accessed for fraud purposes and their inabilty to manage this is a problem for all their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached complaint which includes my identity verification documents, FTC Identity Theft Report, and Copy of Most Recent ChexSystems credit report.
Product: Credit card or prepaid card

I made over a {$2500.00} overpayment on my Capital One WalMart credit card at the beginning of XXXX and requested a refund for the overpayment XXXX XXXX. I was told it would be sent out in a few weeks. I hadnt received it by the first week of XXXX and when I called they finally told me they put a hold on it for 12 days until XXXX XXXX for review and then finally released the funds and sent a check. They said to be patient and I would receive it by the end of that week. I did not and when I called back they said it was an automatically generated check with no tracking and to again be patient. They said to give it 15 days from when they mailed it XXXX XXXX. I still had not received it on the XXXX day which was XXXX XXXX. When I called back XXXX XXXX, I waited on the line and senior supervisor, XXXX, said he was going to check on why there was no tracking for me. I also asked him to cancel the check and send out a new one and he gave me a hard time about it After 20 minutes and holding multiple times, I was disconnected. I am having to call back over and over and fight to get money back that is owed me by the credit card company. I have a busy life and take care of people with disabilities and a sick child. I dont have time for this. This shouldnt happen. Please help.
Product: Credit card or prepaid card

I closed the Genesis Indigo card right before the annual fee would have been due. The card wasn't worth paying another {$90.00} annually & the credit limit was only {$300.00}. I only had a balance of {$130.00} left to pay but the card was asking for {$40.00}. I paid {$25.00} & was going to pay the other {$15.00} before the due date. The card accepted the {$25.00} but then tacked on a late fee for {$29.00}. I opened a dispute with XXXX XXXX XXXX XXXX XXXX. I'm only paying what I owe & I'm sending in {$40.00} payments. To date I have an {$80.00} bal. I'm refusing to pay all these late fees etc. They leave a VM 2x daily & the number is blocked!! It's a digital VM & it's annoying.
Product: Credit reporting or other personal consumer reports

Hey Experian, I was looking over my report XX/XX/year> and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) , the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX XXXX  XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that this company made unauthorized inquiries on my personal credit report. I have listed the name of the company below, and the dates the inquiries were made. 
EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX CREDIT REPOR XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT REP XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below does not belong to me. I was XXXX  in XXXX XXXX   during the time that this account was opened. My XXXX  XXXX # ID XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX/XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

MEDICAL DATA SYSTEMS , INC . reported a bill to collections that they never sent to me. My bill from " XXXX XXXX XXXX XXXX '' amount is {$610.00} but I have no knowledge of this bill and this is messing up my credit score. I would like this to be disputed.
Product: Checking or savings account

Someone used my bank of america debit card to make unauthorized transactions. My card was used with XXXX  for these fraudulent transactions. I submitted three different claims with my bank but they gave me money for only two claims and denied the third claim saying no error took place. All three claims were regarding same merchant ( XXXX  ), and all were unauthorized transactions. I have attached the scrrenshots of all three claims and also the claim denial notice for one of the claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX ACCT # XXXX 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: Money transfer, virtual currency, or money service

Hi, on Friday XX/XX/XXXX I accidentally sent {$500.00} to a wrong person through XXXX I accidentally inputed wrong information about the recipient and the money was sent to the wrong person. I tried reaching out to the person I sent the money to but he didn't seem like he was willing to return my money. I also called within 10 minutes of transfer to inform the bank about my situation and submitted an appeal. I really need to get the money back because I'm very short on money right now and it was meant to be used for very important thing. Please help me with this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a dispute to the XXXX credit bureaus and they have not responded with any dispute updates. Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) account must be deleted if not 100 % accurate, timely, complete. I have a XXXX XXXX account listed on my credit file each bureau have a different account number which I do not recognized. ( See Attached ).
Product: Credit card or prepaid card

I applied for the Bank of America credit card, the BOA made a hard inquiry on my credit reports, and the BOA gave me a letter and said that we need your SSN and income verification. When I provided these files, they said that they could not recognize the SSN and asked me to send it again. 
After providing the second SSN, they made a hard inquiry again and they said they can not approve my application. The reason is " unable to verify the identification ''. Why did BOA make 2 hard pull from my credit score and declined at last even though I provided the files they needed?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2000.00}
Product: Credit card or prepaid card

I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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

Dispute of Inaccurate Hard Inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX and XXXX all three company 's will not do anything.. I have accounts that are reporting that I have asked to be removed either closed or I never use or still reporting after I request to be removed they won't remove them but change the way they appear or make the accounts stay longer on my reports they won't or understand the law or statue of limitations of items my credit with all three have been in many credit breaches and credit inquiries that I never authorized I have a fraud freeze and locked and still they won't remove delete but change the history and change how they report also they change how many years it will remain
Product: Mortgage

We have not been recognized by new mortgage servicer Caliber Home Loans as being in the Loan mitigation process prior to the transfer from XXXX XXXX.
Product: Mortgage

I closed on a loan with Rocket Mortgage, for the purpose to payoff credit cards, At the time of closing, Tuesday XXXXXX/XX/XXXX, they informed me that funding would take place 3 days after, that would be Friday, Then Friday Mortgage agent XXXX XXXX informed me that the 3 days had to pass and that since it fell on Saturday that it would not take place until Monday. Checks to pay individual credit cards would be delivered via courier, which could have been done saturday. 
As of today Monday XX/XX/XXXX, there is no funding and all closing papers have been signed All the information has been misleading