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

Experian XXXX XXXX XXXX XXXX is reporting an XXXX for my information when landlords enter my social security number and other personal information. 

My identity was stolen years ago and was used to rent property in a state that I have never lived in. I followed the correct procedure to handle this matter by filing a police report and I submitted my Identification and proof of address to Experian XXXX XXXX XXXX XXXX 

Experian XXXX XXXX XXXX XXXX refused to investigate the report even after I notified them of 605B Fair Credit Reporting Act stating they have 30 days to investigate and either remove or confirm the information. 

Experian XXXX XXXX XXXX XXXX has a website : XXXX XXXX XXXX where it says explicitly that they do " TENANT SCREENING '' reports for landlords and small businesses. If you click on " tenant screening '' it lists " public records '' and " eviction reports '' as part of this tenant screening. 

At first Experian XXXX XXXX XXXX XXXX first denied doing anything but credit reporting but after I showed them their own website they decided they could not lie any longer to me that they in fact do send reports out with eviction information they have in their database. 

Experian XXXX XXXX XXXX XXXX said they will not investigate any matters that are submitted to them, and their eviction reporting for my profile will continue to report even after I sent them the police report and corresponding documents. 

XXXX XXXX XXXX XXXX was able to investigate and remove their false information from my identity theft case. Experian XXXX XXXX XXXX XXXX refuses to investigate it.
Product: Checking or savings account

On XX/XX/XXXX  I purchased a brand new XXXX XXXX XXXX XXXX online via XXXX I paid online from my Chime checking account. The total purchase after taxes was {$980.00}. I picked up the phone a few days later. I also purchased the XXXX XXXX protection plan from XXXX XXXX in the event that anything ever went wrong with the phone.Everything was fine. However, aprrox. two weeks later, the phone was stolen from me. I have not had the phone or seen the phone since. I immediately contacted chime and filed a dispute. Although I provided screenshots and proof of where I submitted a police report to them, they denied giving me my money back, claiming there was no error and refuses to pay me back. I have called and argued to no avail. I have also contacted XXXX since the phone is still under warranty, but they want {$250.00} to file a claim for a new device and that's not in my budget right now. I have proof of everything and I can't get a new phone because I saved all the money I had for a very long time to purchase this and now I'm devastated. Please help.
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account has been reinserted into my credit report. This account was previously removed because it was a result of identity theft, and I would like to formally dispute its reinsertion. Please provide documentation proving the legitimacy of this account. XXXX XXXX XXXX Account Account Number : XXXX Amount XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX
Product: Credit reporting or other personal consumer reports

I have requested to opt out of reporting all non-public personal information and removing such accounts from my consumer report. I have notified Self Financial Lead Bank, and XXXX  XXXX XXXX through XXXX. Per 15 usc 6802 and 16 cfr 313.7 ( f ) as a federally protected consumer I am opting out of all authorization I the consumer may have given to disclose non public personal information. 5 USC 552A ( d ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

DESTINY CREDIT CARD DID NOT TELL ME ABOUT A {$170.00} per year cost and I made XXXX {$100.00} payments but my balance stayed the same so they stole {$500.00} from me thats why I will not give them anymore money
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authority. I was charged fees due to lagging posts of credits and charges. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

My cardholder/wallet with my physical XXXX XXXX XXXXXXXX visa card was stolen when I returned to XXXX from a business trip from XXXX on XX/XX/2023. 

Between XX/XX/2023 to XX/XX/2023, I had access to the XXXX XXXX XXXX Business visa card saved in my XXXX XXXX wallet and a copy of the virtual card, which I still used to complete purchases. 

I was not aware that the physical card was stolen until XX/XX/2023, at which time I discovered a number of charges made on my XXXX XXXX XXXX Card. I filed a police report, called into my banks to cancel all stolen cards, including US Bank. I also disputed all such fraudulent transactions made on my US Bank Card. One of the fraudulent transactions was made at XXXX XXXX on XX/XX/2023 in the amount of {$1200.00} in XXXX, XXXX ( the " XXXX XXXX Transaction '' ). 

US Bank issued a credit adjustment for all of the reported fraudulent transactions until XX/XX/2023, which is when they charged me {$1200.00} for the XXXX XXXX XXXX. I received a letter in the mail providing that they have concluded I have received the service or benefit of the transaction, the investigation has been closed, and I may not contest the transaction. However, I never received any benefit or service related to the transactionon the day of the transaction, I was not in XXXX ( I have location data showing that I was in XXXX and XXXX XXXX ) and I did not purchase anything that day from XXXX XXXX. 

I called US Bank upon receipt of the letter and requested an explanation for why I was charged for the fraudulent XXXX XXXX Transaction. Their assessment that I must have made the XXXX XXXX Transaction because I made a purchase at In and Out in the amount of {$6.00} was incorrectI made that transaction with my stored XXXX XXXX wallet card and could not have made the XXXX XXXX Transaction because I was not in possession of the physical card. After having a conversation with them, the US Bank agent noted that they must not have evaluated all of this information and will give me a call back within 48 hours to discuss further. 

After a week and follow-up calls to US Bank , I have still not receive a call back, and {$1200.00} still appears on my credit card account summary as a charge.
Product: Mortgage

I recently divorced. As a condition of the decree I was ordered to have my wife quit claim a condominium we purchased and then have her name removed from any financial obligation to the property by asking the Valon Mortgage company for an assumption. I have called at least 6 times three of which I was told my issue would be " escalated '' to get an answer. In the month that has gone by since I submitted all of my phone calls, and emails to the agent responsible for my application have gone unanswered. I promptly submitted everything asked for with respect to documentation but had one person on the phone say they didn't see where I had ever submitted anything. I can't get a human being on the phone who can provide any information at all. I called again today, was told they started another " case '' and siad they would respond in XXXX to XXXX  days. They have told me that three times in a month and I still have heard nothing. I have a XXXX day deadline to have this done. They have wasted a month and I am still no closer to an answer or resolution. I have impeccable credit, very littel debt, and have been residing in, and paying for, this residence for XXXX  years. I need them to process my paperwork so I can get on with my life and not have to sell my condo to satisfy this judgement.
Product: Mortgage

As a veteran, I used my VA entitlement to assume an existing VA loan from Freedom Mortgage. During the loan application process I had full online access to their portal. After closing on XX/XX/2024, I discovered I couldn't log into my account anymore. I contacted Freedom Mortgage and was told they'd have to submit a trouble ticket to their IT dept. As a result, I had to make my first payment ( due XX/XX/XXXX ) via the telephone. I again asked about getting my online access restored and was told the trouble ticket was submitted and I would have to wait until they resolved the issue. Yesterday ( XX/XX/XXXX ) I contacted XXXX again and got the same run around. I insisted to speak with a supervisor and ultimately was told that their policy is to restrict online access for all assumable loans. The supervisor explained it was for security reasons since the loan data contained personal information about the previous owner ( loan originator ). I asked why they can't redact that information or create a different view so that person 's info is protected. The supervisor then said it was a policy handed down from XXXX XXXX and that Freedom only services the loan. I asked if there was anyway to build a work-around and was told " No ''. I would have to continue mailing a check each month or paying by phone. This is ridiculous to me. We live in the digital age. We manage our finances on computers and our phones- not thru the XXXX Postal Service. I reminded the XXXX that tax season is approaching and asked how I would get my tax documents. He said I would have to call and request those docs to be mailed to me. Again- completely ridiculous. I also told the supervisor that I travel extensively for work and I'm often at remote job sites for 4-5 weeks at a time with no access to my " paper '' mail delivered to my home. He offered zero solution. I have to believe that financial institutions and mortgage companies are required to provide online access to customers. There's no reasonable explanation why they can't remove/redact the previous loan holder 's info and allow me access to my account. I am the homeowner and I'm using my VA entitlement. I also spoke with another mortgage company today ( XXXX ) and explained my issue and they said that's not their policy and they've never heard of being refused online access. Please tell me your organization can assist in resolving this.
Product: Debt collection

For 8 months now, XXXX XXXX from Monterey Financial in  XXXX Ca has contacted both my personal cell and office phone repeatedly. Everytime Me XXXX calls is the amount of debt has changed and the threats continue. I have asked that MrXXXX but call and all communication Can be sent in Writing through Us Mail or Email. On XX/XX/2018 .. Mr. XXXX contacted my office phone again. I informed him that I was not able to make a {$9000.00} payment today or in a lump sum..he asked Why. I told him that I am a single mother of XXXX ... in which he replied.. didnt you have kids when you acquired this debt. I asked for his name and his supervisors name.
Product: Mortgage

I had a XXXX XXXX in XXXX and deemed XXXX in XX/XX/XXXXas a result of XXXX and XXXX. In XXXX of XXXX my then wife arranged to re-finance our home as we were falling behind financially due to my XXXX, she was given a loan in the amount of {$280000.00}. for a home valued at {$250000.00}. It was not until XXXX that I became aware of the re-finance which resulted in our divorce. 
The problem I have it that my wife was not working and had not worked prior to this re-finance and had no viable of repaying the loan, the home is currently in the process of foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights ot privacy and confidentiality under 15 USC 1681. 
1. Open Sky CC, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy. 
15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 3XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 4XXXX & XXXX BXXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States Ihave 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. 
Please delete late payments immediately, unless you want to be held {$1000.00} per violation
Product: Vehicle loan or lease

I have a loan with EXETER FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Mortgage

I have called many times to be told that I need to send an email message on the website under my account. I can not talk in detail to a person that understands it or can answer my questions. I just keep getting messages that they do not see anything wrong with my escrows or shortage. Since Freedom bought my loan from XXXX of XXXX my i have a shortage of XXXX that they can not and will not explain. Also, they made me increase my flood insurance which i did and sent them the declaration, but they still have not removed the charge for the extra insurance they are charging me for the last year. Again, you can not talk to a live person that can reconcile the problem. They just listen and send a message to the escrow department and I never get a call back just a message saying its correct. I want to get my loan audited because my escrows have went up {$1000.00} per month on my monthly payment in 1 year. I just got another notice saying they are going up again. It makes XXXX sense. I have had about 6 mortgages and have never experienced this.
Product: Debt or credit management

I talked to a customer service agent and they asked for my information and told me that they would look into the issue. I called back a week later with no response emails no response and then eventually just gave up but I still want my {$300.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to Equifax in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 2 XXXX XXXX XXXX accounts and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have asked for verficiation of the investigation results from XXXX, Transunion, and XXXX on multiple occaissons on two accounts. XXXX XXXX and XXXX. They have not provided me with their verification method of investigation and have not fixed any errors regarding these XXXX accounts. XXXX continues not to provide me with a copy of my credit report and after sending in documentation multiple times to correct my birthdate and social that they have listed, they still have not corrected this. XXXX also continues to report three accounts under the XXXX XXXX XXXX that were discharged and forgiven in accordance to the federal lawsuit that my loans were part of. I have called and sent all documents and still they continue to report incorrect information.
Product: Credit reporting or other personal consumer reports

The properly updated my address information ; however, they have my past address as my current and my current address as my past. They need to switch that. Also, I have not worked at XXXX XXXX XXXX since XXXX. That should just be deleted. All employers need to be deleted because the prior one They list only list my title and that was with the XXXX XXXX XXXX XXXX through the XXXX XXXX I am no longer working since XXXX. Over a decade
Product: Debt collection

I do not believe I owe this debt at all and they are claiming that I owe them. This is damaging my credit worthiness, credit capacity, and credit standing. I demand they remove this information from all of my consumer reports.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial request, I have yet to receive a satisfactory resolution from Equifax. In contrast, both XXXX and XXXX promptly addressed my concerns and removed the unauthorized hard inquiries from my credit reports upon my first request.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed XXXX late payments currently reporting NEGATIVE on all three credit reporting agencies. I initially reached out to the credit reporting agencies and asked them to remove the late payments or update them as paid as agreed but the did not do this. They stated they would update the account so that it would not show any negati8ve information but it still shows SEVERAL months later. I reached out the XXXX and they stated that my loans have been in good standing since they transferred over in XXXX. I also reached out to the prior servicer of my loans which was XXXX XXXX XXXX  and they to stated that my loans are on a XXXX status. Since my loans have been in XXXX status they can not have late payments reported to the credit reporting agencies., Per the Family and Educational act of 1974 I have a right to privacy of my student records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX worked for XXXX XXXX & XXXX. Experian would not work 3 times after asking their chat box for help I was asked to send a request to XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX using a form they specified on the XXXX XXXX site. However, form was no where to be found. Please help. Seems like a delaying tactic to avoid them making my report available. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX
Product: Student loan

I recieved a bill that stated i was past due and I owed {$550.00} and that I was past due. This is almost {$200.00} more than my monthly payment. When I call I have to wait on hold for at least 20 minutes. Then when I talked to the lady she said no, I owed {$340.00}. She could not explain why I owed that much. Then she told me that XX/XX/XXXX my payment is going up. I am on Income Based payment plan and am not up for my application until XX/XX/XXXX. The lady claimed that I must have been informed that my payment was going up. I said no I was not and that I have been paying the same amount for months. I then asked to speak to a supervisor. After waiting 30 minutes, one was still not available. She told me they would do " research '' then call me back. I said no that I did not want to default because apparently my payment is already late. She told me they would n't report it to the credit bureau until I was 90 days late. I would not accept this. I told her I would look at my payment history and call back. I called back 30 minutes after and got a new lady. She said no, my account is not late and in fact it is up today. However, she also told me that they are missing one payment of {$200.00}. This {$200.00} was taken out of my bank account nearly 3 weeks prior but they claim they never got it. She told me I had to take it up with my bank. Again, I demanded they give me some sort of resolution to the problem. She told me I had to print off my bank statement and mail it in for them to " research. '' Meanwhile, {$200.00} is missing!! 

Also, I have tried to set up my auto payment out of my account for more than the minimum that I have to pay. They have told me that is not possible, they ca n't draft more money out of my account than the minimum balance. I find this very hard to believe.
Product: Credit card or prepaid card

I purchased and also used points for plane tickets on my chase preferred credit card XXXX  cancelled the flights. I used chase travel company to charge flights because I also had used my points for two of the tickets. Chase credited the points back to my card but will not refund the difference. XXXX has told me they credited there agency which is XXXX. I do not understand with numerous attempts that they will not credit me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/year>. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that XXXX XXXXXXXX XXXX pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.
Product: Credit card or prepaid card

Worlds foremost bank aka XXXX XXXX shows up in a loan application Along with XXXX XXXX # XXXX XXXX  XXXX # XXXX I need to know info On accounts They app was with ex husband XXXX XXXX And one XXXX  XXXX on my credit reports # XXXX