23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023 at approximately XXXX XXXX  someone took {$400.00} from my cash app account. I disputed the charge and they closed it within ten minutes and I asked for the documentation they used to make there decision and they sent me a paper with my name and the amount. On multiple dates before this ( and still ongoing ) somebody is trying to take money out of my account but I've been keeping my card locked and then right before I make a purchase I'll unlock it and lock it back right away its a hassle .I ordered a new card, I reset my pin, changed my password, and it's still happening. I want my {$400.00} back I didn't make this charge and that is half of my rent, after reading several reviews it seems to be one of their best practices. They should not even be in business if this is how they are going to protect customers money .I 'm so upset because they can see all the charges that someone is trying to put through still and they still will not listen to me. This is not right what they do im sure this business has made a good chunk of money by taking from customers something needs to b weed done
Product: Debt collection

Navy federal Credit Union has be Contacted Me & Harrasing me and I have not Contracted with them, I have ask them to Verify By Wet ink Signature and Requested a XXXX  they Refused it. 

The Debt was already paid in full, and clear on My Credit Report, they then turned around in reposted a Debt that Was paid & then Violated My Rights as a Consumer, by giving My Personal SSN to other Companies and Selling My info to everyone which I have not contracted with as well.
Product: Mortgage

Residential Loan was transferred from XXXX XXXX to New Rez in the last quarter of XXXX. New Rez inaccurately established required additional funds for escrow and insurance. I was forced to pay the additional monies took keep from being noted as past due. New Rez was contacted several times and thus concluded they were in error. 
After XXXX months of trying to get my funds reimbursed, I finally received this email from New Rez. 

" According to our records, check # XXXX was issued on XX/XX/XXXX, for the XXXX XXXX in the amount of {$930.00}. Please allow XXXX to 15 days from the date of disbursement to receive the refund check. 
We would like to apologize for the delayed response and any inconvenience this issue XXXX have caused. It is our goal to provide you with exceptional service, we hope this email addresses your questions and concerns. 
If you have any questions or concerns please contact our customer service team at XXXX. '' Never received the monies and continued to contact by email. With the same response as, " we are looking into it. '' Having been a XXXX Bank XXXX and XXXX of XXXX XXXX 36 years, several concerns come to light. Lack of training, poor management with possible lack of background to conduct oversight. Volume of problems. Forced placed insurance? Is this an Affiliated Business Arrangement/Ownership? Proper ongoing escrow analysis. Solvency of the servicing agency. More regulatory oversight may need consideration of review. It is noted companies have spun off to warehouse more residential loans. Volume of servicing problems should not be to the extent they are. I noted XXXX on the site as well. Elementary mistakes create extensive problems for those noting overdue in payment history thus now affecting the credit rating which affects interest rates and insurance.

New Rez has admitted to the mistake but the monies were never received. The email will be attached with the complaint. 

I took the time to point out possible need for more investigative oversight to seek possible means of enhanced education and proper management and oversight of risk to reduce consumer issues. The next wave of refinances are closely approaching as rates fall. Let 's be prepared.
Product: Debt collection

I recently received a copy of my credit report and found proof that XXXX XXXX XXXX is illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. 
This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 
According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian XXXX regarding my account and not being able to get my daily credit score or 3 bureau reports which they offer for XXXX per month. I spoke with several representatives regarding this issue and was also escalated to a department to rectify the issue. They transferred me to Experian disputes stating something was wrong with my SSN but when I spoke with the representative in disputes they stated everything looked good. I continue to get the run around and as of now can not access my current report or pay to get the monthly reports from all 3 bureaus.
Product: Credit card or prepaid card

Chase bank issued a fraudulent credit card in my name even though I had a XXXX fraud alert on my account. Chase Bank did not contact me using the phone number on the XXXX fraud alert. The fraudulent credit card was used to extract more than {$8000.00} of the account. 

I tried to resolve this, however Chase Bank is adamant that they do not need call the phone number on the XXXX fraud alert. I have had to spend a great deal of time correcting this problem ( including police report, letters, several phone calls XXXX. All of this could have been avoided. Chase bank does not seem to think XXXX Alerts are important. What is the point of having a fraud alert if the Chase bank does not take it seriously. 

The website for the Consumer Financial Protection Bureau ( CFPB ) with the law below. It states " If you provide a telephone number, the lender must call you ''. 

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

I provided police reports. Someone open an account with XXXX XXXX. I didn't authorize this account. This is fraudulent and needs to be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, CREDCO add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i requested dispute reasons : this account needs to be removed not corrected because of 1. Date of Last Active - FCRA Violation. Creditor Reported XX/XX/XXXX for transunion and XX/XX/XXXX for XXXX. do not correct, please remove 2. Date of Last Payment - inaccurate. creditor reported to transunion my last payment was XX/XX/XXXX. please remove ( do not correct ) on my credit report. creditor monthly payment is inaccurate please remove from my credit report. XXXX shows XXXX XXXX  transunion shows XXXX $ creditor failed to update most recent dispute update 3. Payment History - inaccurate. Creditor reported " OK '', for XXXX, but reported 30 days late for Transunion. I previously disputed this account stating : " This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Payday loan, title loan, or personal loan

I received an offer for prequalified line of credit from personify on XX/XX/XXXX. I made application provided all of my documents and let me know would be 24 hour process to qualify for the loan. I heard nothing back in a few no correspondence from the company whatsoever on calling on XX/XX/XXXX, I was told I was declined without reason. Now my credit is affected because of the inquiry and I have no reason why I was declined. Should not be able to send out pre-qualifications and preapproval without being able to provide a loan. I feel baited into this application because it was directed to me personally and I would not have otherwise applied if I had not received the mail and offer
Product: Mortgage

On XX/XX/2024, I used my mortgage company website to request my supplemental real estate bill and HOA annual bill to be paid out of my escrow account. As I was not sure if the mortgage company did so. The drop down options within the company website does not provide an example close to my issue at the time. However ; I selected what was close and also explained what I was requesting in the box below. The company website states, to provide 3-5 business days for a response. I waited and after 5 business days I did not receive a response from the company and sent the same message again on XX/XX/2024. I finally received a response and was fine with the outcome that I had to pay those two bills myself eventhough, I have an escrow account. Fine no problem. 
Here is the issue, On XX/XX/XXXX ( same day ), I checked my credit report and on my report for this company there is remarks stating that I disputed the account and no issue was found. THIS IS A LIE. I NEVER disputed anything on my credit report, I never had an issue with how my account, the status or the information on my report for this company is reporting to the credit bureaus. I just wanted to have my real estate and HOA bill paid out from my escrow account. On the same day I tried to go through the company chat option, about 5 times and all the chat box would do is timeout and state no one was available and this was around XXXX. I called and spoke with customer service agent, I explained this issue and she stated she was not sure what to do but provided me XXXX email address to help with my credit report issue. Of course, I received NO RESPONSE to this day via email. however ; the company keeps sending me letters stating they need more time to research my complaint, I have received about 5 of these letters, most recent dated XX/XX/2024. And nothing has been fixed and no phone call received regarding this issue. 
I want my complaint taken seriously and issue fixed ASAP!!! I never said there was an issue with my account, or how its reporting to the credit bureaus, I just wanted to have my real estate bill and HOA bill paid from escrow, no where in my initial request did I state anything about my credit report or an issue with how it is reporting. So there should have been no reason for my credit report to be touched or a remark added. All these companies only care about is a potential customer credit buraeu reporting and to have this company just put remarks on there when there is no reason is determintal to my ability to possible obtain credit. Possible creditors do not care about the back story of this issue and companies seeing remarks on my report for the biggest loan I have stating I disputed this account is hurting me and my credit. Im just a number and whats on " file '' at the bureaus.

I want the remark removed, I no longer want to receive any more letters stating they need more time to investigate this issue. This is already almost 2 months now, are they hoping I forget about this. Fix it!!
Product: Debt collection

Account Resolution Services is not treating me fairly and is breaking the law. I am a victim of identity theft ; my reference number with the FTC is XXXX, and this company is demanding payment for deletion even though the debt was a product of fraud. They are calling me harrasing me in fact after I demanded they cease all contact with me. I want them to remove their collections from XXXX and XXXX. They never sent me a bill or letter before the collection was reported to the CRA 'S and they know that but still demand payment for deletion. Also when I disputed the collection with XXXX they did not ceace collection attempts and reporting to the CRA 's. They will not stop harrasing me. Please help me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Fair Credit Reporting Act ( FCRA ) Dispute - Experian Mortgage Information Dear CFPB, I am writing to file a complaint against Experian for failing to update and correct inaccurate information on my credit report regarding my mortgage ( account number XXXX with Mortgage Financial ). This inaction violates the Fair Credit Reporting Act ( FCRA ). 

Dispute Timeline : XX/XX/2024 : I submitted a dispute to Experian, and XXXX XXXX XXXX submitted a request for correction of information. 
XX/XX/2024 : XXXX  XXXX submitted another request for correction on my behalf. 
Experian has not addressed the dispute despite both efforts. 

Impact : XXXX and XXXX already updated the information based on the disputes. 
Experian 's inaction is hindering my credit score.

Request : I request that Experian update my credit report to reflect the accurate information provided by myself and XXXX XXXX, including : * Mortgage balance * Payment history ( removing negative remarks ) * Removal of any bankruptcy remarks Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Citibank Sears MasterCard has been charging {$19.00} a month since XXXX/XXXX/2015 for " XXXX CreditRep '' and I do not know what it is and did not ever authorize this charge. 
I submitted a written dispute with Citibank upon discovery of the charges ( XXXX/XXXX/2015 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get in contact with the credit bureau for 6 months and have not received a response via mail
Product: Credit reporting

Someone has opened a vehicle lease in my name on or around XXXX XXXX. Someone has opened a Home Equity Loan in my and on or around XXXX XXXX. 
I was not in the United States in XXXX XXXX. 
I have never purchased a home and therefore would not have a need for a Home equity loan. Someone has stolen my identity and used it to buy a car and a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The website XXXX offers free credit reports every week from XXXX, Experian and XXXX. These 3 companies have blocked me from obtaining my free credit reports from this website and each time I try, they say : We are unable to process your request... please mail your request.. '' Please see the attached files. This has been happening for almost 2 years, that I am unable to obtain my reports from this website.
Product: Debt collection

This debt was resolved in XXXX with a different collection agency. Account closed. On XXXX  this debt was reported to XXXX as unpaid, resulting in a drop in credit score. I never received notice of this account via mail, phone or email. Represent claims XXXX notice letter was sent XXXX and a half weeks ago. Could not give me an exact date. I requested a copy of the original letter sent, representative laughed at me as she told me they didnt have it, then proceeded to say she submitted a request to billing for a copy as she continued to laugh. This company belittled me, told me it was my fault as I am not competent and do not know how to handle my debts, lied to me and told me the account came straight from original creditor yet later in the call accidentally mentioned another collection agency that has had the account ( the original agency I paid ). When bought to his attention that he accidentally let go of this information he raised his voice to me and became even more combative and defensive. Every agent I spoke to was very unprofessional. Very argumentative and insulting, laughing, yelling, name calling. They also do not have my correct name
Product: Debt collection

These accounts are unauthorized and unverifiable and is damaging my overall credit profile.
Product: Checking or savings account

On or about XX/XX/XXXX I XXXX XXXX opened a checking account thru bank of the west online I had to verify my personal identifiable information by providing a picture of my Driver 's license and provided my social thereafter I was notified I had until XX/XX/2023 to fund my account for it to remain open! I intended and even used routing and account number on my federal tax refund to be direct deposited in my bank of the west checking account yesterday XX/XX/2023 when I called online customer service and a local branch in XXXX I was notified my account has been closed! Bank of the west closed a new account of mine without any due notice to me even still getting text messages attached showing I had until XX/XX/XXXX to fund it! Now my taxes will be rejected and mailed to me and bank of the west caused me economic harm and potential violation of Missouri human rights violations since I'm of diversity and they did this without notice! Shame on Bank of the West for causing me economic harm! How u gon na have me verify my identity online via my ID and SS # and then close the account without any notice or without merit!
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative. 

I recently reviewed my Experian credit file, and noticed a few things are incomplete and/or not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. 

These accounts : XXXX ... XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX.are NOT COMPLETE AND ACCURATE. 

I sent a letter asking EXPERIAN to make sure everything is complete and accurate and TO PROVIDE HOW THEY VERIFIED THE INFORMATION. 

They sent my investigation back and said everything is complete and accurate, but if you check my attachments everything is not complete and accurate, and according to XXXX XXXX XXXX XXXX, they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the Consumer Reporting Agency shall ( i ) PROMPTLY DELETE THE ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE REINVESTIGATION of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. 

And according to this law, they are suppose to provide me a DESCRIPTION OF THE INVESTIGATION according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by NOT LATER THAN 15 DAYS AFTER THE REQUEST from the consumer for that description.

But AFTER MULTIPLE REQUESTS BY ME, they did not do that as well.

Finally, according to 15 USC 1681s-2 they are suppose to : NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THAT PERSON KNOWS, OR HAS REASONABLE CAUSE TO BELIEVE, THE INFORMATION IS INACCURATE.
Product: Debt collection

I sold my home in XXXX on XX/XX/XXXX. The new owner took possession of the house a day later on XX/XX/XXXX. A week prior I called all the utilities ( gas, electric, garbage and security system provider ) to cancel all services. I specifically remember sending an email and phone call to XXXX ( my security service provider ) to cancel their service as I had sold my home and was moving out of state. All of their security equipment was left with the house. 
I moved to New York state and purchased a new home on XX/XX/XXXX. Shortly there after I received a letter from XXXX that I owed an additional month payment of {$39.00} for the month of XX/XX/XXXX. I protested this to them but paid it anyway to be done with this situation. In XX/XX/XXXX I received a collection letter from a debt collection service ( XXXX XXXX ) that XXXX sold the debt to requesting a payment of {$790.00} to settle the debt. I refused and XXXX XXXX reported on my credit report as an unpaid debt the only credit reporting service to do so. I sent XXXX  XXXX  supporting documents that I did not owe this debt and it was removed from my credit report. This same debt from XXXX was sold to another debt collector ( XXXX debt } on XX/XX/XXXX demanding {$190.00}. I refused and XXXX XXXX reported it as an uncollected debt. My credit score went from XXXX to XXXX. I made several attempt with XXXX XXXX to have this negative report removed by sending in many supporting documents as before however they will only note on my credit report that it is " disputed ''. No other credit reporting agency has this negative item on my credit report. I would like your help in trying to remove this negative information as I have a long history of paying my financial obligations in full and on time as my credit history shows.
Product: Credit card or prepaid card

To whom it may concern, We have had a credit card with Discover for several years. During this time it was supposed to be set up for automatic payments for the minimum balance due and we would then pay the balance once every month or two.

Recently we received a derogatory mark on our credit report from Discover. After reaching out to them they indicated our payment was late and there was nothing they could do to help us. I informed them of our autopay situation and they said you are not set up on autopay we can't help you. I informed them we'd changed banks in XXXX and given them the updated banking information but they said they had no record of it so it was our problem. 
Discover never notified me of a failed payment and did not send any notification that my bill was past due. They simply applied their late fee and gave me a derogatory mark, which is my only missed payment in my entire life. 
I attempted to reach out to their executive relations team via email and received a paper letter several weeks later, with no direct contact or reach out. 
Discover needs to rescind this inaccurate late payment mark from it's records and my credit reporting - I am not responsible for the failure of their company or their website. 

Thank you for your time, XXXX & XXXX XXXX