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

I opened this account with the proper address XXXX XXXX XXXX XXXX  XXXX California XXXX XXXX XXXX 's statements get to our home delayed and times we receive no statements due to fact that the statements get lost in mail or sent back to XXXX XXXX. 

I requested that the address to be corrected and no action had been made to correct the address. XX/XX/2020 - XXXX XXXX charged me an ANNUAL FEE which is not a goods or service. Regardless, I did not get the statement so being busy with my business - this annual fee was not paid. I incurred a 30 day late which took down my score from the 700 's. 

I eventually paid the annual fee, but this time request that XXXX XXXX please change the address to the correct legal address so I receive their statements. I have requested that XXXX XXXX remove the 30 day late and refund the {$27.00} late fee. I would have paid gladly but now my family harmed due to XXXX XXXX 's failure to take down our correct address and make requested change. 

NOTE : Please only pull a soft pull both to XXXX XXXX and CFPB. I can not have my score destroyed further due to this address error and non- receipt of my statements. Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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
Product: Credit reporting

On XXXX 2015, I was forced to pay a Judgment that is reported by a third party for {$1800.00} to XXXX XXXX XXXX, On XXXX XXXX, 2015, I sent a copy of a cashers check and a letter from XXXX XXXX XXXX requesting to Experian requesting to delete or update my credit report. Experian refuses to update, or delete on my file regardless of my request, letterhead by XXXX XXXX XXXX " requesting that to delete it on my file as per request by XXXX XXXX XXXX ''. I 'm unable to rebuild my credit, this on going issue is causing my family financial injury " injury as I 'm unable to have my name added to a mortgage '',
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about a negative account listed on my report in XX/XX/2020, however when I complained the company pulled my credit report without my consent and leaving an inquiry.
Product: Student loan

I enrolled in graduate school this past fall, and reached out to all my loan providers to confirm deferment of my monthly payments. After a few phone calls, everything was set. I went through all of the fall semester without issue. I randomly logged into my Navient account this past XXXX to check on my account, and I noticed a payment scheduled for XXXX. Totally clueless, I called them immediately to see what was going on. I was advised more than once ( on separate phone calls ) that the issues was related to the clearinghouse that confirms full-time enrollment. Navient advised that all I needed was to provide them with an enrollment verification, and everything would be fixed. Unfortunately, I was out of the country for part of my winter break, and in conjunction with the holidays, I could not get this to them prior to returning to school on XXXX XXXX. I called Navient again, and was told for the first time that I owed them interest-only payments during in-school deferment. This was the first I had heard of this. I asked for a manager. The manager ( XXXX ) was extremely rude and unhelpful. She told me I was not charged in XXXX by mistake, and was charged in XXXX. I was not charged in XXXX. I received no payment reminder emails during the month. The manager offered zero help in the way of mutually working some plan out. She advised me I could sign up to make 15 straight monthly payments, but having not planned to be making these payments during graduate school, I told her that I did n't know how I could start coming up with that money out of nowhere. Finally, her suggested solution, if you can call it that, was that I just refinance with someone else. I feel like I was misled and disrespected.
Product: Mortgage

RoundPoint Mortgage purchased our loan from XXXX earlier this year. The payment process was seamless and our automatic payments continued to be transferred from our account to RoundPoint. No payments were missed or deferred. We can provide all bank account withdrawals as well as payments to RoundPoint. We started to get letters stating we were delinquent/late as well as missing payments. I spoke with a representative regarding the first letter we received and was told that there were some small issues regarding the transitioning from XXXX to RoundPoint but that we were in fact in good standing. We again started getting more letters regarding late payments. We called, emailed, and filled out the contact sections on their site. No response from the emails, no results from the calls, as well as being on hold for long periods of time just to be disconnected. We are being assessed late charges as well as negative marks to our credit hampering possible future loan needs. 

* sorry don't have exact dates of communication
Product: Credit card

Everytime I try to pay the credit card on time they don't take it out and another thing something is charging me XXXX and I do know what it is I don't have anything I have to pay so I need to know what's going on
Product: Money transfers

I recently used Chase Quickpay to sell a pair of concert tickets I could no longer use. The buyer sent payment through Chase Quickpay, which I accepted. After the payment was accepted, I gave him the tickets. 
The next day I got an email that said the transaction had been cancelled. When I called Chase customer service I was told that everything looked fine on their end and that it would just take a couple days to process and that I should receive the funds by Tuesday. 
I logged in again on Monday and saw that the money had been reversed with the note that it was cancelled. I called customer service and was told there was nothing they could do and that I should n't have used Chase Quickpay for the transaction. Apparently the other party had cancelled the transaction from his end later that same day. 
As a long-time loyal Chase customer, I am very disappointed with this response. I have multiple accounts with Chase, including checkings, savings, investments, auto loan, and XXXX credit cards. I would never have used Chase Quickpay if I had known that it was possible to cancel a transaction that has been sent and accepted. I felt confident using Chase Quickpay because I had assumed that Chase would offer its loyal customers basic protection against fraudulent activities but I 've since been informed otherwise.
Product: Prepaid card

My card was stolen, they close it out and sent me a replacement card. I was unable to activate the new card and all of a sudden the old card read active again and charges were bring made on my account that I did not make. I have called and called and called just to get hung up on. Im missing over {$500.00} I need my money ASAP please.
Product: Checking or savings account

A CHECK WAS PAID IN MY BUSINESS ACCOUNT IT WAS A FRAUD MY SIGNATURE AMOUNT OF FUNDS AND WRITING WAS NOT MINE WELLS FARGO DID NOT CONTACT ME OR CATCH IT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion credit agencies had refused to remove an account on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Product: Checking or savings account

I had an IRA-CD with U.S. Bank that matured in late XX/XX/2024. I had recently had another such IRA-CD mature with U.S.Bank and wanted to transfer it to another bank, and the process was so difficult, it took me a month. So I planned simply to renew the other CD, but was told that if it " rolled over '' for another two-year term, the rate would be an abysmal XXXX percent because that was the " market rate ''. ( Most banks were paying XXXX to XXXX percent at that time. ) I do not live anywhere near a physical branch of U.S. Bank, so this entire exchange and discussion was by phone. I called the bank a day or XXXX after the maturity date of the CD ( because you can't renew on the date it actually matures, you have to wait a day ). I said I wanted a better rate. A gentleman told me I could have a XXXX term at XXXX percent, and I said that would be fine and that he should go ahead. I thought that was the end of it. However, recently I was looking at my online accounts and saw that the CD had merely rolled over for another XXXX years at XXXX percent. Since this bank also has implemented a $ XXXX " maintenance fee '' on already existing CDs, I now am basically earning nothing. I called U.S. Bank at about XXXXXXXX XXXX XXXX on XX/XX/2024. Someone who said she was " XXXX '' said she would review my original call seeking to change the rate and I could check back in a week. I called about XXXXXXXX XXXX on XX/XX/XXXX, worked my way through the phone tree, was transferred twice, told my story to someone, was transferred to wealth management, went through another phone tree, and finally spoke to a woman who said she was named XXXX. She said a XXXX had been reviewing calls about this but did not see an update put into the record. She tried to message XXXX and finally reached her and said XXXX said I had not called in to request a new rate. I said that was not true. I was told I could speak to another manager named XXXX. She said it looked like I had indeed called the bank on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX and other times. She said she would have to listen to the recorded calls, which could take time, but that she would have an answer by Thursday ( XX/XX/XXXX ) and would give me a return call. She gave me her phone number, XXXX. ( By the way, I have a recording of this call with her. ) She did NOT give me a return call on XX/XX/XXXX, so on Friday, XX/XX/XXXX, I called her at about XXXXXXXX XXXX XXXXXXXX and left a message asking her to call me back. She did not. My CD, which ends in XXXX, is still listed as at a two-year term at XXXX percent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account I believe that these accounts have been inaccurately reported to the credit bureaus, and I am requesting that they be removed from my credit report. 

According to the Fair Credit Reporting Act, credit reporting agencies must investigate disputed items on a credit report within 30 days of receiving a dispute. I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate or incomplete. 

I would also like to request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureaus for them to investigate the following accounts for accuracy and validity on the following dates below : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a XXXX from XXXX. At the end of the lease, I did the pre-inspection and was told that I could return the vehicle to any XXXX location. I brought the vehicle back to the XXXX XXXX location. I received a copy of the Lease Return Form, and they gave me my license plate. I later received notification from DMV that my license could be suspended for not having insurance on the XXXX. I contacted DMV and said that I had turned in the leased vehicle ; however I was told that I also had to surrender the plate. I went thru the " ordeal '' of returning the plate ; I then received my final statement from XXXX, and figured this story was over. But, NO! I received another letter from DMV showing the plate as surrender, but giving the warning that the vehicle should not be driven on the roadways without plates and insurance. I again called DMV because I had surrendered the car over a month before, and was awaiting the refund of my registration fee for the vehicle. I was informed that the vehicle was still registered to me!!! 
I immediately called XXXX to report this error. I was told basically that XXXX only collected the money and facilitated the return, but I would have to return to the dealer to have my name removed from the registration? I asked where the car was : they did not know. I explained that if that vehicle is involved in any type of accident, I could be sued because technically the car is registered to me and at my home address! I was basically told that it was not their problem because they were " Indirect Lenders '' and had nothing to do with registration, title, etc... I asked for someone to speak to ... and they gave me the run around ; an " XXXX XXXX '' ; XXXX XXXX XXXXXXXX. ; and the XXXX hours ended with me not being assured that the vehicle that was returned to XXXX would no longer show as registered to me ; no written release from obligation on the vehicle with a section to hold me harmless should anything happen to the returned vehicle ; no apology ; no credit return for the registration moneys I am loosing... just a question on how and when I was going to make the final payment for the Disposition Fee!
Product: Money transfer, virtual currency, or money service

XX/XX/year>, XX/XX/year> {$210.00} sent in driver license for verification and the company still deactivated and now I have money in that account and now I can't get it out
Product: Payday loan, title loan, or personal loan

I have been attempting to resolve an issue since XX/XX/2019. Every time I submit a complaint WLCC d/b/a Arrowhead Advance closes it stating it is a duplicate. The problem is they have NEVER RESPONDED. They are fraudulently closing my complaints as duplicates and NOT RESPONDING to said complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE.
Product: Credit reporting or other personal consumer reports

It is apparent that ( according to the enclosed report ) these companies are very unreliable when it comes to reporting my data accurately. All of these errors are on my credit reports and should be updated. 
Please also note that XXXX and Equifax show that I have a 30 day late payment when XXXX is showing two. However, I am certain that I made ALL my payments on-time.
Product: Checking or savings account

Hello : This year, specifically this summer has been a busy time for me and an expense time period. I got married, planned and went on a honeymoon, and am currently unemployed looking for work. 

During this time period I have had many expenses flowing into/ out of my bank accounts and credit cards. To reduce risk of fraudulent activity I only used my credit cards for large purchases. Believing that my Bank, Chase Bank, was continuously monitoring my account for fraud. 

On XX/XX/XXXX I logged into my account from my phone to view my bank account which I noticed was low, and noticed there were a series of fraudulent transfers, ACH transfers from my Chase Banking Account ( Checking Account ) out of the account through some service at XXXX ( XXXX immediate ACH transfer ). These transfers were large in size ( $ amount ) in XXXX and XXXX, over the most recently 60 days, and I immediately called Chase to have my account rectified, monies refunded, etc. Chase was rather unhelpful over the phone. I was continually bounced between ( a ) customer service ( which only handles certain aspects of an account ), ( b ) claims services, and (  c ) fraud monitoring. 

The fraud transfers, $ Dollar amounts, vendor, and date are noted below. 

1 - XX/XX/XXXX - {$1200.00} - to XXXX XXXX - via XXXX ( from Chase ) 2 - XX/XX/XXXX - {$610.00} - XXXX XXXX - via XXXX ( from Chase ) 3 - XX/XX/XXXX - {$600.00} - XXXX XXXX - via XXXX ( from Chase ) 4 - XX/XX/XXXX - {$930.00} - XXXX XXXX - via XXXX ( from Chase ) 5 - XX/XX/XXXX - {$590.00} - XXXX - via XXXX ( from Chase ) 6 - XX/XX/XXXX - {$71.00} - XXXX XXXX - via XXXX ( from Chase ) 7 - XX/XX/XXXX - {$26.00} - XXXX - via XXXX ( from Chase ) 8 - XX/XX/XXXX - {$25.00} - XXXX XXXX - via XXXX ( from Chase ) 9 - XX/XX/XXXX - {$35.00} - XXXX - via XXXX  ( from Chase ) 10 - XX/XX/XXXX - {$15.00} - XXXX XXXX -via XXXX ( from Chase ) Two days after I noticed the charges in XXXX I called Chase to notify them of what I saw as fraudulent charges. Chase never notified me. It appears they did not think any of these charges were a-typical or out of the normal course of my daily life despite being a customer with Chase, originally a WAMU customer since I believe XXXX. 

After I called them last at night when I realized the charges, the Chase representatives stationed in XXXX were entirely unhelpful. It appeared they were reading from a script and did not re-assure nor provide helpful incites. 

As noted above, I was in the process of getting married earlier this summer and making sure all vendors paid. I then planned my honeymoon and went on the honeymoon. 

Chase did not contest the charges in a timely manner and XXXX has not released the information regarding the individual that created the account and made these fraudulent charges. 
I need CFPB to help me refund my money and help liaise between Chase and XXXX. 

I need these funds to cover routine monthly expenses. I am not being adequately covered in this situation by any lending institution. 

Best and Talk Soon, XXXX
Product: Credit card or prepaid card

XX/XX/2020, For the amount of XXXX and an available balance on my credit cards. My card was declined because they had mistakenly taken my last C.C. Payment from the wrong account. After calling to schedule the missed payment, my account is decline a small fee. I spoke with a representative prior to the purchase and was not informed my cards wouldnt work. I have a 100 % on time payment. Called and resolved the issue. Capital One decides to decline my purchases because my payment is scheduled for the next payment date. The one time removal of the late fee was used. I thought Capital One values customers. Ive been with them for 5 years and never made a late payment. I was Embarrassed in line holding up shoppers for 25 minutes. For {$13.00} charge. This company is not loyal to customers. Ill be paying both of my CC off next month and never using them again. No more interest charges from me and I will NEVER EVER recommend this company and be the first to let people know how untrusting they are. Loyalty goes a long way.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A. State 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 or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$28.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A XXXX LOAN IN MY NAME ACCOUNT NUMBER XXXX BALANCE IS XXXX. 

IM DISPUTING THIS ACCOUNT BECAUSE I WAS PROMISED THIS ACCOUNT WAS SUPPOSE TO BE DELETED FROM CREDTI REPORT, AND XXXX PROMISED ME. 

PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I did not authorized the followings inquiries : EQUIFAX PENDING INQ : 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